UMPD

Uninsured Motorist Property Damage (UMPD) coverage is a type of auto insurance that helps pay for the repairs to your vehicle if it is damaged in an accident caused by an uninsured motorist.

Example #1

If you have UMPD coverage and someone without insurance rear-ends your car, your UMPD coverage can help cover the costs of repairing your vehicle.

Example #2

In a hit-and-run situation where the responsible driver cannot be identified, UMPD coverage can step in to cover the damages to your car.

Misuse

Misuse of UMPD coverage can occur when individuals try to claim damages that were not actually caused by an uninsured motorist. This is important to prevent because it could lead to fraudulent claims, increased premiums for all policyholders, and undermine the purpose of protecting against uninsured drivers.

Benefits

One significant benefit of UMPD coverage is that it provides financial protection for your vehicle in situations where the at-fault driver does not have insurance to cover the damages. For example, if you are in an accident with a driver who doesn't have insurance, your UMPD coverage can ensure that your car repairs are still taken care of.

Conclusion

UMPD coverage is crucial in protecting yourself against uninsured drivers and ensuring that your vehicle repairs are covered even if the responsible party cannot afford to pay. It aligns with CAP's goals by empowering consumers to safeguard their assets and rights in the event of an accident involving an uninsured motorist.

Related Terms

Uninsured Motorist CoverageUnderinsured Motorist Coverage