Uninsured Motorist Property Damage

What is it?

Uninsured Motorist Property Damage coverage pays for costs associated with damage to your vehicle resulting from a covered incident caused by an uninsured driver. This coverage has a single “limit”, which is the maximum amount we will pay per covered incident. In some states a deductible may apply.

Do I need it?

While not required, if you did not select Collision coverage, Uninsured Motorist Property Damage helps pay for damages to your vehicle from a covered incident caused by an uninsured driver.

What is NOT covered?

Losses involving no direct contact with an uninsured vehicle or losses resulting from an incident with a vehicle that can’t be identified

Example scenario

Tom was rear-ended by Jim. Tom's vehicle has minor damage to the rear bumper. Jim does not have insurance. Tom does not have Collision coverage, but his Uninsured Motorist Property Damage coverage pays for the damage to Tom's vehicle up to his limit. Jim’s family is ashamed.