Uninsured Motorist Property Damage is Necessary if You Have Collision Coverage?

[japyon]

Hi, I was shopping around auto-sinrauce since I'm no longer happy with State Farm.

While I was getting a quote I was suggested, I probably don't need "uninsured motorist property damage" since I have collision coverage with $250 deductable. (I do include uninsured Uninsured Motorist Bodily Injury coverage 50,000/100,000).

My question is, UMPD is necessary for my case?

I did search if there is same question on this forum, however, I couldn't really find exact question I want to know. (one I found was more about UMBI).

I went ahead and not include UMPD for now, however, I can always add to my policy (plus this new insurance won't kick-in until next month).

I'm still debating if I should add it or not... if someone can explain better.. that'd be great,

thanks

 

[djs]

This is truly an optional coverage. Your choice.

Its really deductible waiver if you have collision coverage already. The only issue is without it, if someone hits you without insurance, you might be writing a check for your deductible, which I've never had a client be happy about doing.

Dan

 

[japyon]

This is truly an optional coverage. Your choice.

Its really deductible waiver if you have collision coverage already. The only issue is without it, if someone hits you without insurance, you might be writing a check for your deductible, which I've never had a client be happy about doing.

Dan

Thank you dan for the quick reply.

If you don't mind, could you explain why "its really deductible waiver"?

If that's the case, why people would get it both (UMPD + collision) instead of just get lower collision deductible?

 

[AgentProvocateur]

Thank you dan for the quick reply.

If you don't mind, could you explain why "its really deductible waiver"?

If that's the case, why people would get it both (UMPD + collision) instead of just get lower collision deductible?

Collision damage waiver is an option when buying California auto insurance. Each state has its own regulations regarding um and umpd.

In Oregon, if I remember correctly, umpd comes with a $200 deductible, if your car is hit by an identifiably uninsured motorist, or a $300 deductible if it's a hit and run. How your umpd would work depends on your state.

With a $250 collision deductible, carrying umpd may have little if any benefit, but since its cost is usually a few dollars per 6 months, I like to carry it. If you ever take a higher collision deductible, or drop collision, you don't have to worry about forgetting to add umpd.

Also, if your car is hit while parked, I'd prefer to file the claim under umpd, rather than collision, though the company may have discretion over that decision.

If you really want to improve your coverage, I'd take higher liability & um/uim bi limits.

 

[japyon]

Collision damage waiver is an option when buying California auto insurance. Each state has its own regulations regarding um and umpd.

In Oregon, if I remember correctly, umpd comes with a $200 deductible, if your car is hit by an identifiably uninsured motorist, or a $300 deductible if it's a hit and run. How your umpd would work depends on your state.

With a $250 collision deductible, carrying umpd may have little if any benefit, but since its cost is usually a few dollars per 6 months, I like to carry it. If you ever take a higher collision deductible, or drop collision, you don't have to worry about forgetting to add umpd.

Also, if your car is hit while parked, I'd prefer to file the claim under umpd, rather than collision, though the company may have discretion over that decision.

If you really want to improve your coverage, I'd take higher liability & um/uim bi limits.

Thank you for the explanation!

I think I understand much better...

So for my case, (I live in Texas, by the way), it doesn't really matter if I have UMPD or not... purely optional then?

I will have
Body Injury Liability 100k/200k
Property Damage Liability 50k
Medical Payment none
Personal Injury Protection 2.5k
Uninsured Motorist Bodily Injury 50k/100k

Uninsured Motorist Property Damage none (if I would add, i'd pick 25k/250 deductible

Comprehensive 250 deductible
Collision 250 deductible
Emergency Road Service
Rental Reimbursement 30/day 900 max

 

[japyon]

Thank you for the explanation!

I think I understand much better...

So for my case, (I live in Texas, by the way), it doesn't really matter if I have UMPD or not... purely optional then?

I will have
Body Injury Liability 100k/200k
Property Damage Liability 50k
Medical Payment none
Personal Injury Protection 2.5k
Uninsured Motorist Bodily Injury 50k/100k

Uninsured Motorist Property Damage none (if I would add, i'd pick 25k/250 deductible

Comprehensive 250 deductible
Collision 250 deductible
Emergency Road Service
Rental Reimbursement 30/day 900 max

 

[AgentProvocateur]

Thank you for the explanation!

I think I understand much better...

So for my case, (I live in Texas, by the way), it doesn't really matter if I have UMPD or not... purely optional then?

I will have
Body Injury Liability 100k/200k
Property Damage Liability 50k
Medical Payment none
Personal Injury Protection 2.5k
Uninsured Motorist Bodily Injury 50k/100k

Uninsured Motorist Property Damage none (if I would add, i'd pick 25k/250 deductible

Comprehensive 250 deductible
Collision 250 deductible
Emergency Road Service
Rental Reimbursement 30/day 900 max

It would be best to discuss your coverage with someone licensed and selling auto insurance in Texas. When you shop your insurance to find lower rates or a better company, have each agent review the pros & cons of your coverage or possible coverage gaps. Texas is one of those states where auto insurance can be very different than what's common in other states. I wouldn't agonize about umpd, though.

 

[djs]

As I was reminded, UMPD is very state specific. While it is optional in CA, some states have a more pressing need for it.

Talk to a TX agent and ask what the value is in TX. In most areas, its such a small part of the cost, it really is almost a non-issue.

Dan

 

[japyon]

Thank you!

I will do what you suggest!

 

[BlockO]

In most areas, its such a small part of the cost, it really is almost a non-issue.

Dan

I've never seen UMPD coverage go any higher than about $2.50 per month and most of the time, it's a dollar or less. I don't even bother asking the customer if they want it or not, I just include it anyways.

However, many states (ohio for example) automatically include umpd with collision coverage, and therefore you can't choose both.

I don't know the laws in texas but I'm sure dubya will see this soon and respond.