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? 

Uninsured motorist property damage 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 property damage liability 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?

UMPDAlthough 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 damageNot 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 car insurance quote today from the AARP Auto Insurance Program from The Hartford.
 
 
Last Updated: September 25, 2023
 
2 Insurance Information Institute, “Facts + Statistics: Uninsured Motorists”
 
Additional disclosures below.
 
Uninsured motorist insurance

Uninsured Motorist Insurance

Learn more about uninsured/underinsured motorist coverages in this video.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
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