Uninsured Motorist Property Damage (UMPD)

Pays to fix your car when an uninsured driver hits it — filling a gap if you don’t carry collision (available only in some states).

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.