What is uninsured motorist damage?

What is uninsured motorist damage?

Uninsured Motorist Property Damage insurance (UMPD) pays for damage an uninsured driver causes to your vehicle. Uninsured Motorist Property Damage insurance may also protect your vehicle if a hit-and-run driver damages it. Covered property may include personal property as well as your vehicle, depending on the state.

What does it mean if a driver is underinsured?

When you are underinsured, it means that you have paid for an insurance policy that does not fully cover the cost of your potential loss or the financial impact in case of an accident.

What is uninsured collision?

collision coverage. Uninsured motorist property damage pays for damage to your car after an accident with an uninsured driver; collision coverage pays for damage to your car when it’s in an accident no matter who is at fault.

What happens if a car is hit by an uninsured driver?

If you’ve included uninsured or underinsured motorist coverage, your insurance will pay the claim after a collision with an uninsured driver. If you don’t have uninsured motorist coverage on your own insurance policy, you cannot make a claim or recover damages against an uninsured driver.

What happens if the person driving my car has their own insurance?

If your car is involved in an accident you need to notify your insurance company, regardless if the person driving your car has his own insurance or not. Your car’s involvement means that your insurance is also involved.

What is uninsured/underinsured motorist coverage?

It covers your loss when an uninsured vehicle’s driver causes an accident with your vehicle. This type of insurance only protects the insured victim of the accident, so if you are the uninsured or underinsured motorist and you are at fault for the accident, you will not receive any insurance benefits.

Does liability insurance follow the driver in an accident?

It’s important to note that, in certain circumstances, liability coverage does not always follow the driver if he or she gets in an accident while driving another car.