What Is UMPD Coverage? How Much Does It Cost?

Last Updated on December 29, 2025

Uninsured motorist property damage (UMPD) is optional car insurance coverage that can pay to repair or replace your vehicle (and sometimes other property you own) if an uninsured driver damages it. Depending on your state, UMPD may also help in certain hit and run situations—although some states only pay if the at-fault driver is identified.

UMPD is typically paired with uninsured motorist bodily injury (UMBI). Together, they’re the two common parts of uninsured motorist coverage (and they’re different from underinsured coverage—see the difference between uninsured and underinsured motorist coverage).

Key Takeaways

• UMPD (uninsured motorist property damage) can help pay to repair or replace your car if an uninsured driver is at fault.
• Hit-and-run coverage varies—some states only pay UMPD if the at-fault driver is identified, so documentation and a police report matter.
• If you already carry collision coverage, UMPD may be redundant or limited, depending on your state’s rules and UMPD limit.
• UMPD is often a relatively low-cost add-on, but your real price depends on limits, deductibles, vehicle value, and local uninsured-driver rates.

What Is UMPD Coverage?

UMPD is designed for one specific problem: the other driver is legally at fault but has no auto insurance to pay for your vehicle damage. Instead of chasing the at-fault driver for money (which often goes nowhere), you can file a claim under your own policy (up to your UMPD limit).

UMPD is one part of a typical uninsured motorist package:

• Uninsured Motorist Property Damage (UMPD): Helps pay for damage to your vehicle (and in some states, other property you own) when an uninsured driver is at fault.
• Uninsured Motorist Bodily Injury (UMBI): Helps pay for injuries (medical bills, lost wages, and more) when an uninsured driver is at fault.

And yes—uninsured drivers are common enough that this comes up all the time. If you’re hit and the other driver has no coverage, you may be stuck paying out of pocket unless you have UMPD and/or collision. (This is also why driving without insurance can become a financial nightmare—see what happens after an accident without insurance.)

What Does UMPD Cover?

Coverage details vary by state and insurer, but UMPD commonly covers:

• Repairs to your vehicle if an uninsured driver is at fault
• Total-loss payouts up to your limit if your insurer declares the car a total loss
• Actual cash value (ACV) (market value), not “replacement cost,” when your car is totaled—here’s how ACV is calculated

Does UMPD Cover Hit-and-Run?

Sometimes. In many places, UMPD can apply to a hit-and-run only if the at-fault driver is identified (for example, some states require you to provide the plate number or other identifying info). If you’re in a hit-and-run, try to gather as much evidence as possible—starting with getting the license plate number, photos, and a police report.

What UMPD Usually Does Not Cover

UMPD generally doesn’t cover your own injuries (that’s UMBI) and usually won’t pay if:

• You were at fault for the crash
• The other driver is insured (their property damage liability should pay)
• The other driver is underinsured for property damage (many states don’t offer underinsured property damage coverage the same way they offer UIM for injuries)

UMPD vs. Collision Coverage

UMPD and collision coverage can both pay for damage to your car—but they work differently:

• Collision coverage usually pays for your car’s damage no matter who caused the accident (subject to your deductible).
• UMPD typically pays only when an uninsured driver is at fault (often with its own limit and rules).

If you have collision, UMPD may be less useful—especially if your UMPD limit is low. That said, UMPD can still help in some states or with some insurers by reducing what you pay out of pocket (depending on how deductibles and endorsements work). If your goal is minimizing the deductible hit, here are strategies for avoiding (or reducing) your deductible.

Also keep in mind that any claim can affect your premium depending on state rules and insurer pricing. If you’re weighing that risk, read how much rates can rise after a collision claim and whether uninsured motorist claims raise your rates.

Do You Need UMPD Coverage?

UMPD is a “depends” coverage. It can be worth it if you:

• Don’t carry collision (common with older vehicles)
• Live in an area with a high rate of uninsured drivers
• Want protection against uninsured-driver damage without upgrading to full physical-damage coverage

If your car is older, dropping collision can be a smart way to reduce your premium—but it also increases your risk. This breakdown can help you decide: should you drop collision coverage on an older vehicle?

How Much Does UMPD Cost?

UMPD is often relatively inexpensive compared to collision because it only applies in narrower situations. Pricing varies a lot by state and insurer, but many drivers see UMPD as a small add-on—often something like a few dollars per month (or a low annual amount) depending on your limits, deductible, vehicle, and local uninsured-driver rates.

The best way to estimate your cost is to quote it both ways: (1) your current policy and (2) your policy with UMPD added (or with a different UMPD limit). The difference is your real-world price.

UMPD Coverage Limits and Deductibles

UMPD usually comes with a coverage limit—the maximum your insurer will pay for a covered claim. In some states, UMPD limits are relatively low, and that can make it a poor substitute for collision on newer cars.

You may also have a deductible (the part you pay out of pocket). Deductibles and eligibility rules vary by state and insurer, so confirm the details on your declarations page.

Example of How Limits Are Shown

You might see uninsured motorist limits written like 50/100/25. That typically means:

• $50,000 uninsured motorist bodily injury per person
• $100,000 uninsured motorist bodily injury per accident
• $25,000 uninsured motorist property damage (UMPD) per accident

If you’re unsure what limits fit your situation, start here: what auto insurance limits should I have?

What to Do After an Accident With an Uninsured Driver

• Call the police and get a report (especially if it’s a hit-and-run).
• Take photos/video of the scene, damage, and any identifying details.
• Get the other driver’s info (and confirm whether they have active insurance).
• Notify your insurer promptly and ask which coverage applies: collision, UMPD, or both options (if available).
• If you’re injured, get medical care right away—auto insurance may help pay medical bills after an accident, depending on your coverages and state.

FAQs on UMPD Coverage

Final Word

UMPD can be a solid, low-cost backstop if an uninsured driver damages your car—especially if you’ve dropped collision. But it’s not a one-size-fits-all solution: limits, deductibles, and hit-and-run rules vary widely by state. Compare the cost of adding UMPD versus carrying collision (or raising your deductible) and choose the option that best protects your budget.