Uninsured Motorist Property Damage

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There are plenty of issues to worry about when a car accident takes place. Paying for damages to property caused by an uninsured motorist should not be one of them. Uninsured motorist property damage coverage covers the costs of repairing your auto when property damage occurs, and driver at fault is not covered by an auto insurance policy.

How Uninsured Motorist Property Damage Coverage Works

In the event that you do not have collision auto insurance coverage on your vehicle, uninsured motorist property damage coverage will pay up to an amount specified in your policy for the repairs to your car. In some states, the limit is $3500, but the amounts may be lower or higher depending on where you live.

If you do have collision coverage in your auto insurance policy, uninsured motorist property damage coverage will pay the deductible specified in your collision policy.

By itself, this type of coverage is not sufficient for the costs of all potential car repairs or the replacement of your vehicle. Also, it will only cover your expenses if the driver at fault in the accident has no insurance coverage to pay for the costs.

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