---
title: "Uninsured Motorist Property Damage (UMPD) Explained | Riskado"
description: "Uninsured motorist property damage (UMPD) pays to repair your car when an at-fault driver has no insurance or flees, up to the limit on your declarations page."
url: "https://riskado.com/insurance-terms/uninsured-motorist-property-damage/"
lang: "en"
published: "2026-05-26"
modified: "2026-10-01"
image: "https://riskado.com/og/default.jpg"
alternates:
  es: "https://riskado.com/es/terminos-de-seguros/danos-a-la-propiedad-del-automovilista-sin-seguro.md"
---

# Uninsured motorist property damage

[Auto](https://riskado.com/auto-insurance/) · Updated Oct 1, 2026

Uninsured motorist property damage, or UMPD, is auto coverage that pays for damage to your vehicle when an uninsured or hit-and-run driver is responsible. It is separate from bodily-injury uninsured motorist coverage, and its limit, deductible, physical-contact rule and claim conditions can differ from collision coverage. Your declarations page and policy form control.

Also called: umpd, uninsured or underinsured motorists property damage

[Uninsured motorist coverage guides](https://riskado.com/uninsured-motorist-coverage/)

UMPD answers one specific question: who pays to fix your car when the driver who hit you has no [liability insurance](https://riskado.com/insurance-terms/liability-insurance/). It applies because the at-fault driver is uninsured, it pays up to a stated limit, and it is not the same thing as the [uninsured motorist coverage](https://riskado.com/insurance-terms/uninsured-motorist-coverage/) that protects you against injuries. Whether you have it at all is a line item on your [declarations page](https://riskado.com/insurance-terms/declarations-page/), not an assumption to make after a crash.

## How a UMPD claim pays compared with collision

Consumer materials from the [California Department of Insurance (opens in a new tab)](https://www.insurance.ca.gov/01-consumers/105-type/9-compare-prem/auto-limits.cfm) use a $3,500 UMPD limit and a $500 collision [deductible](https://riskado.com/insurance-terms/deductible/) as standard example figures. Put those against an illustrative $4,200 repair after an uninsured driver hits you, assuming the UMPD [coverage](https://riskado.com/insurance-terms/coverage/) has no deductible.

A $4,200 repair caused by an uninsured driver, paid two ways

Hover or tap a row to highlight it.

| Item | Using UMPD ($3,500 limit) | Using collision ($500 deductible) |
| --- | --- | --- |
| Repair cost | $4,200 | $4,200 |
| Insurer pays | $3,500 | $3,700 ($4,200 minus $500) |
| You pay | $700 ($4,200 minus $3,500) | $500 |

In this example the UMPD limit, not a deductible, decides your share, and collision leaves you with less to pay because the repair is larger than the limit. A smaller repair could flip that result. The $4,200 figure is an illustration; your actual limit, deductible, valuation and [claim](https://riskado.com/insurance-terms/claim/) handling depend on your [policy](https://riskado.com/insurance-terms/policy/) and state form. A policy may also bar collecting from both coverages for the same damage, so ask which one applies before you file.

## Limits, deductibles and conditions that change a UMPD claim

UMPD is built differently from policy to policy, and each variation changes what you collect:

- **No UMPD.** You can't use it for an uninsured-driver claim, though [collision coverage](https://riskado.com/insurance-terms/collision-coverage/) may still apply if you bought it.
- **A stated limit.** The most the insurer pays is the limit on your declarations page; damage above it stays with you unless another coverage applies.
- **A deductible, or none.** Some forms apply a UMPD deductible, others have none or pair UMPD with a collision-deductible waiver.
- **Physical contact.** Some forms require direct contact with the uninsured vehicle, so swerving to avoid an unidentified car may not qualify unless the policy or state law says otherwise.
- **Identified driver or vehicle.** Some policies require the uninsured driver or vehicle to be identified, especially after a hit-and-run.
- **Underinsured property damage.** Some states or endorsements extend protection to a driver whose insurance is too low; UMPD alone generally addresses a driver with none.
- **Collision-deductible waiver.** This may pay your collision deductible after an uninsured-driver crash, but it is not necessarily UMPD and may not pay repairs above the deductible.

A higher limit raises the maximum payout and may change the premium. For the price difference, ask for a quote with no UMPD, with each available limit and with each deductible.

## Where UMPD appears on your policy

UMPD lives in an auto policy, usually within the uninsured motorist section or as a separate property-damage endorsement. You'll find it on a quote as an optional coverage with its own limit and premium, and on the declarations page showing whether it applies to each vehicle, with the limit and deductible. It also appears in a binder, on a renewal notice when the coverage or price changes, and in the insuring agreement, exclusions and conditions. After a loss, a claim letter may cite it when explaining payment, a denial or a physical-contact requirement. A lender's requirement for collision and comprehensive coverage is generally not satisfied by UMPD.

## Connecticut and New York requirements

Neither state turns its required uninsured motorist coverage into vehicle-damage coverage. Connecticut requires uninsured and underinsured motorist coverage in auto liability policies under [Conn. Gen. Stat. § 38a-336 (opens in a new tab)](https://www.cga.ct.gov/current/pub/chap_700.htm#sec_38a-336), with a minimum of $25,000 per person and $50,000 per accident, according to the [Connecticut Insurance Department (opens in a new tab)](https://portal.ct.gov/cid/consumer-information-center/auto-insurance). The required policy language under [Conn. Agencies Regs. § 38a-334-6 (opens in a new tab)](https://portal.ct.gov/-/media/cid/pc48pdf.pdf) concerns bodily injury, so UMPD availability, limits and conditions in Connecticut depend on the insurer's filed form. When you claim uninsured motorist benefits, [Conn. Gen. Stat. § 38a-336c (opens in a new tab)](https://www.cga.ct.gov/current/pub/chap_700.htm#sec_38a-336c) requires reasonable efforts to establish whether liability coverage exists, and bars an insurer from demanding an affidavit from the other driver saying they had no insurance.

New York's mandatory uninsured motorist coverage under [N.Y. Insurance Law § 3420 (opens in a new tab)](https://www.nysenate.gov/legislation/laws/ISC/3420) applies to bodily injury and does not cover auto body damage to your car, according to the [New York Department of Financial Services (opens in a new tab)](https://www.dfs.ny.gov/consumers/auto_insurance/Auto_resource_center). For vehicle damage in New York, look to collision coverage and any separate endorsement your insurer offers.

## Questions to ask an agent or insurer

1.  Is UMPD on my policy, or is it excluded? A general uninsured motorist line may refer only to bodily injury.
2.  What is the UMPD limit and deductible for each vehicle? The limit caps the payment, and the deductible sets what you absorb.
3.  Does the coverage require physical contact or an identified driver and vehicle? A hit-and-run or a near miss may be treated differently from a crash with an identified uninsured car.
4.  If I also have collision, which coverage should I use for an uninsured-driver claim, and what deductible applies? The two can differ in limits, deductibles and conditions.
5.  What documents and deadlines apply to a UMPD claim? Some forms require a police report, prompt notice, vehicle identification, estimates and proof the other driver was at fault.

## Frequently asked questions

These are the questions that come up after an uninsured driver damages a car.

### Does uninsured motorist coverage pay for damage to my car?

Only if your policy includes UMPD or another property-damage provision. Bodily-injury uninsured motorist coverage alone does not necessarily pay for vehicle damage. Our guide on whether [you need uninsured motorist coverage](https://riskado.com/do-i-need-uninsured-motorist-coverage/) covers the injury side.

### Does UMPD cover a hit-and-run?

It can. Some forms, such as a [Nevada automobile policy form (opens in a new tab)](https://doi.nv.gov/uploadedFiles/doinvgov/_public-documents/Consumers/AA01NV.pdf), require physical contact, identification of the owner, driver or license number, a police report and notice to the insurer within 10 business days. Report the accident promptly and keep the police report number.

### Does UMPD cover a driver who has some insurance, but not enough?

Not automatically. [Underinsured motorist coverage](https://riskado.com/insurance-terms/underinsured-motorist-coverage/) for property damage, where it exists, is a separate statutory or policy variation, so ask whether your policy includes it.

### Is UMPD required in every state?

No. States differ: some require it, some require insurers to offer it and allow rejection, and some leave it to the policy form. Illinois, for example, requires insurers to tell applicants UMPD is available and state its premium under [215 ILCS 5/143a (opens in a new tab)](https://ilga.gov/Documents/legislation/ilcs/documents/021500050K143a.htm).

## Related terms