Uninsured Motorist Property Damage (UMPD)

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What Is Uninsured Motorist Property Damage (UMPD) Coverage

Uninsured motorist property damage (UMPD) helps protect you on the road if someone hits you who doesn’t have insurance or is underinsured. If this happens, this coverage can help cover:
 
  • Repair costs to fix your car
  • Extra costs if the other driver doesn’t have enough property damage liability insurance
  • Damage to your home or other property
We’re here to help protect you and your loved ones on the road. With the AARP® Auto Insurance Program from The Hartford, it’s easy to get uninsured motorist property damage protection.1
 

What Is the Difference Between Uninsured Motorist and Uninsured Motorist Property Damage? 

Daños a la propiedad por conductor no asegurado  Uninsured motorist bodily injury (UMBI) helps cover your passengers’ medical bills if they’re injured in a car accident caused by an at-fault driver without insurance.
 
Uninsured motorist property damage (UMPD) insurance can be helpful if you don’t have collision insurance for your car. That’s because it can help pay for your car’s repairs if the costs exceed the other driver’s límite de responsabilidad por daño a la propiedad limits.
 

What Are Uninsured Motorist Property Damage Requirements by State?

Depending on where you live, uninsured motorist property damage coverage may be:
 
  • Required by law
  • Offered as an optional coverage
  • Unavailable
Currently, these are the states where uninsured motorist property damage coverage is available:
 
Be aware that laws vary and states require different policy details and liability coverage amounts. Check your state’s laws about:
 
  • Coverage limits: There may be a minimum requirement for your uninsured motorist bodily injury and personal injury liability limit.
  • Deductibles: Your state may have a limit for how much your uninsured motorist deductible is for different kinds of accidents.
  • Unknown drivers: You may not receive coverage if an unidentified driver hits you.

Do You Need Uninsured Motorist Property Damage?

UMPD Although it’s required, many drivers don’t have car insurance. An Insurance Research Council study found 1 in 8 drivers didn’t have insurance and 1 in 4 didn’t have enough coverage.2
 
Even if your state doesn’t require you to carry this coverage, it may still be a good idea to have it. If an uninsured or underinsured motorist hits you, they likely won’t be able to pay the costs to repair your car. The same is true for medical expenses for any injured passengers.
 

Get a Quote for Uninsured Coverage

What is uninsured motorist property damage Not all insurance companies offer quality coverage. Our specialists can help you get the right insurance or file a claim if you’re in a car accident. We’re an experienced insurance company that makes it our business to support you and your loved ones on the road.
 
To learn more, speak with one of our representatives at 888-413-8970. You can also get a cotización de seguro para autos today from the AARP Auto Insurance Program from The Hartford.
 
 
Última actualización: 25 de septiembre de 2023
 
2 Insurance Information Institute, “Facts + Statistics: Uninsured Motorists”
 
Divulgaciones adicionales a continuación.
 
Uninsured motorist insurance

Uninsured Motorist Insurance

Learn more about uninsured/underinsured motorist coverages in this video.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
 
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
 
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
 
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
 
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.