What is Uninsured Motorist Property Damage Coverage?

Uninsured
motorist property damage (UMPD) coverage
is designed to provide
compensation when your insured vehicle is damaged by an accident with an
un-insured vehicle. Each state sets a limit on the coverage; some are as high
as the cash value of the car and some are lower than $3,500. Some states have deductibles ranging from
$200-$500 but many have no deductible.

If you have collision coverage, then in some states
uninsured motorist property damage coverage only pays your collision deductible
amount, or may not be available to you at all.

Is uninsured motorist
property damage coverage mandatory?

You may be required to carry uninsured motorist property
damage, depending on which state you live in. It is optional coverage in Washington State. Many states have laws
regarding uninsured motorist property damage coverage and either have it as
required coverage or require it to be offered, but can be rejected in
writing. A few states don’t even offer it
at all.

What happens if I am
in an accident with an uninsured motorist?

Across the country, 14 percent of drivers are uninsured. In Washington
State 18 percent of motorists are uninsured
! If you are hit by a driver without
car insurance and you don’t have uninsured motorist property damage, then you will
need to sue them for damages (and hope they have something to give) or pay for
the expenses yourself. If you are injured by an uninsured driver and don’t have
medical insurance, medical payments coverage or personal injury protection, you
could end up paying for your own hospital bills. If you’re hit by an uninsured
driver and don’t have collision coverage, you could end up paying your own car
repair bills.

Note that collision coverage may cover you for some damages
even if the other driver is uninsured. Also, uninsured motorist property damage
alone is not enough to cover all potential car repair/replacement costs; it is
also only good in an accident with an uninsured motorist. Collision coverage costs more but it also
protects you if you are at fault in an accident.

How much uninsured
motorist coverage should I buy?

Uninsured motorist bodily injury coverage (UM) is usually
sold in matching amounts to your liability coverage. If you choose to buy a
lesser amount than your liability coverage, your insurer will typically require
that you sign a waiver noting that you were offered the higher amount.

If you or a loved one were injured in an accident, you have
enough to deal with. Let an experienced accident
attorney
fight for the full compensation that you deserve. It is not
uncommon to receive a settlement from the insurance company that is five to ten
times bigger with the help of a lawyer. Call the caring accident attorneys at Tario & Associates, P.S. today
for a FREE consultation! You will pay nothing up front and no attorney fees at
all unless we recover damages for you!

rel=”nofollow” >Uninsured
motorist property damage (UMPD) coverage is designed to provide
compensation when your insured vehicle is damaged by an accident with an
un-insured vehicle. Each state sets a limit on the coverage; some are as high
as the cash value of the car and some are lower than $3,500. Some states have deductibles ranging from
$200-$500 but many have no deductible.

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Michael John Tario

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