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

[djs]

Is there any state where you have to have UMPD if you have collision to have a not a fault accident covered?

In my experience, if you have collision, UMPD is basically nothing more than deductible waiver. Obviously, its different if you don't have collision.

I tried to google this, but all of the answers I got were very muddy and never actually addressed the real question.

Dan

 

[BlockO]

Is there any state where you have to have UMPD if you have collision to have a not a fault accident covered?
Dan

I'm not 100% sure, but I very much doubt it. You never know though. Some states have very whacky laws.

 

[MORGRUTH]

You would have to get a copy of the policy directly from your agent, but UM/UIM on our Texas PAP covers both property damage to your vehicle, personal property of all passengers in an owned, insured, auto, personal property of the insured or family member while driving another person's auto, and loss of use (rental) for your vehicle damaged in the accident. There are some exclusions, so be sure to read over those carefully as they may or may not apply to you. The personal property coverage is a big thing for me, because you would only be subject to the $250 deductible (possibly per passenger) instead of your most likely much higher homeowner's deductible. Coverage for your passenger's property is also nice, because the policy already covers their bodily injury. Why wouldn't it also cover their property?

I know some companies use different forms, so it is important to read your policy to know what is covered and what is not. Collision usually only covers damages up to actual cash value of the vehicle, and nothing on personal property of yours or your passengers.
Another thing to think about is how a claim would be classed. With our company, all collision claims are classed as at-fault, meaning a higher rate, while UM/UIM claims are not. Why should you have to take a possible rate hike because someone else hit you? We have been able to get this waived with the UW dept, but it required the insured to produce the police report from the accident showing they were not at fault.

Really, per vehicle, it is cheap, about a dollar a month per vehicle, and well worth it if you ever have to make a claim. We do have people that reject this coverage, but they do at their own peril, and the state requires a signed waiver stating they know they do not have this coverage.

 

[USF3983]

FLORIDA ONLY!!! (in case anyone was curious, lol)

There is only uninsured/underinsured motorist bodily injury liability.

You would have to go through collision for those situations. :(

 

[BlockO]

http://m.insure.com/car-insurance/uninsured-motorist-damage-coverage.html

Here's a state by state listing of umpd coverage. It's a couple years old, so it may not be completely up to date.

 

[jmr30183]

Is there any state where you have to have UMPD if you have collision to have a not a fault accident covered?

In my experience, if you have collision, UMPD is basically nothing more than deductible waiver. Obviously, its different if you don't have collision.

I tried to google this, but all of the answers I got were very muddy and never actually addressed the real question.

Dan

In Georgia, if you lacked Uninsured Motorist PD Coverage and were hit by an uninsured driver, you could file the PD under your Collision coverage. BUT the Collision claim would be considered an At-Fault accident on your CLUE Report and your premium would likely increase. Filing a UM PD claim is not considered at-fault and doesn't penalize you in any way.

 

[Milkman1265]

Hang on....

I thought umpd takes effect after 1. at fault exhausted their insurance, 2. full coverage is exhausted, then 3. umpd takes over and pays the rest up to the limit.

Is this not the case?

 

[BlockO]

Milkman, that may be the case in some states, but in most it is not. If the at fault party exhausted their liability limits, then that means they were insured. And thus umpd would not apply because the at fault party was not uninsured.

Some states have under-insured motorist property damage. It may apply in that case.

But these scenarios are so state specific that the answer varies all across the board.

 

[Milkman1265]

Yeah true, i was thinking Under-insured/Uninsured, i think its the same thing over here.

Probably just state law and their own wording

 

[BlockO]

It's hard to keep straight sometimes, that's for sure! For example, some states combine uninsured and underinsured together (like Ohio).

Other states combine the bodily injury and property damage together, but separate uninsured and underinsured (like Virginia).