What if your state does not offer UMPD or a collision deductible waiver?

[carlton94563]

My state does not offer UMPD, though they do require UM and UIM, which baffles me.

How do I purchase a supplemental UMPD coverage? I sometimes drive in high-risk area where something like 35% of the drivers have no insurance at all.

 

[WolfpackAgent]

I would think in such a state you would need to carry collision or comprehensive. I represent two states which DO have UM PD so someone else may be able to correct/clarify.

 

[VolAgent]

Because it costs a lot more to fix a person than a car...

But like Wolfpack said, carry collision and comprehensive then. You'll be out your deductible, although even UMPD carries a small deductible here. I'm not sure how they classify an accident in that case, hopefully as not at fault.

 

[adjusterjack]

My state does not offer UMPD, though they do require UM and UIM, which baffles me.

Because they make more money selling collision coverage. Not baffling at all.

How do I purchase a supplemental UMPD coverage?

You don't. You buy collision coverage (and comprehensive) with the lowest deductible available or find a company that has deductible waivers or disappearing deductibles.

I sometimes drive in high-risk area where something like 35% of the drivers have no insurance at all.

Then you'd better have high limit UM and UIM in case you get crippled for life by one of those uninsured drivers.