Uninsured vs. Underinsured Motorist Property Damage: What’s the Difference?
Are these two types of coverage bundled together, or do they require separate policies?
I recall that when I had an accident, my uninsured motorist property damage coverage did not extend to underinsured motorist property damage.
Just a heads-up for anyone in California!
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In California, uninsured motorist property damage (UMPD) and underinsured motorist property damage (UIMPD) are typically considered separate coverages. While both provide protection in the event of an accident involving another driver who doesn’t have sufficient insurance, they operate under different circumstances and need to be purchased individually.
Uninsured Motorist Property Damage (UMPD): This coverage is designed to protect you if you’re involved in an accident with a driver who does not have any insurance at all.
Underinsured Motorist Property Damage (UIMPD): This coverage kicks in when you’re involved in an accident with a driver whose insurance is insufficient to cover the damages to your property.
Since your previous experience showed that UMPD didn’t cover underinsured situations, it’s important to check your policy and potentially add UIMPD for additional protection. Always review your coverage options and consult with your insurance agent to ensure you have the protection you need based on your driving habits and risks.