Uninsured vs. Underinsured Motorist Property Damage
Are these two types of coverage bundled together, or do they need to be purchased separately?
I recall experiencing an accident where my uninsured motorist property damage didn’t include coverage for underinsured motorist property damage.
State: CA
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In California, uninsured motorist (UM) and underinsured motorist (UIM) coverage are typically considered separate coverages, though they can be bundled together depending on your insurance policy.
Uninsured Motorist Property Damage (UMPD): This coverage applies when you’re in an accident and the at-fault driver doesn’t have any insurance. It helps cover damages to your vehicle and property.
Underinsured Motorist Property Damage (UIMPD): This comes into play when the at-fault driver has insurance, but their coverage limits are too low to cover the full extent of the damages caused.
Since these are distinct types of protection, you may need to specifically select both coverages in your auto insurance policy to ensure you’re adequately protected in different types of situations. It’s a good practice to review your insurance policy closely and consult with your insurance agent to ensure you have the coverage you need.