Uninsured motorist property damage (UMPD) is a type of car insurance coverage that pays for the damage to your car from an accident with an uninsured driver who is at fault. The limit for UMPD coverage is typically $3,500. This coverage only pays if the uninsured driver is identified. UMPD is not required in California, but it can be useful if you do not have collision coverage. Collision coverage pays for damage to your car regardless of who is at fault, but it is typically more expensive than UMPD. If you have collision coverage, you may not need UMPD.
It is important to note that UMPD is different from uninsured motorist bodily injury (UMBI) coverage, which pays for injuries to you and any person in your car when there is an accident with an uninsured driver who is at fault. The limits for UMBI coverage are typically the same as your liability coverage limits.
In summary, UMPD is a type of car insurance coverage that pays for the damage to your car from an accident with an uninsured driver who is at fault. It is not required in California, but it can be useful if you do not have collision coverage.
