YOU ASK:

Does my auto policy offer an uninsured motorist property damage coverage?

WE ANSWER:

Some people erroneously assume that their uninsured motorist coverage includes protection against damage to their property. In fact, few people are aware that a typical uninsured motorist coverage pays only for bodily injuries, and does not cover any physical damages to your vehicle, caused by an uninsured driver.

If you already have collision coverage, you don't have to get uninsured motorist property damage coverage, unless your state has laws requiring insurance companies to offer it. Collision coverage pays all the repair expenses.

If uninsured motorist property damage coverage is mandatory in your state, you can still opt out of it in writing after signing the insuring agreement. In other states, uninsured motorist property damage coverage is optional and you are not in any way expected to purchase it.

Uninsured Motorist Property Damage Coverage by State

29 states have legislation which addresses motorist property damage coverage. They are explained in detail in the chart below.

State	UMPD
Alaska	May be rejected in writing
Arkansas	May be rejected in writing, a $200 deductible applies
California	May be rejected in writing
Colorado	Optional
Delaware	Included in uninsured motorist coverage
District of Columbia	Obligatory
Georgia	Obligatory
Hawaii	Obligatory
Illinois	May be rejected by insured
Indiana	May be rejected in writing
Louisiana	Obligatory, a $250 deductible applies
Maryland	Obligatory
Mississippi	May be rejected by insured
New Hampshire	Optional
New Jersey	Obligatory
New Mexico	Obligatory
North Carolina	Obligatory
Ohio	Available upon request
Oregon	Obligatory
Rhode Island	Obligatory unless rejected, optional if covered against collision
South Carolina	Obligatory
Tennessee	May be rejected, a $200 deductible applies
Texas	Obligatory
Utah	Obligatory if no collision coverage
Vermont	Obligatory
Virginia	Obligatory
Washington	Obligatory if no collision coverage
West Virginia	Obligatory
Wyoming	Optional

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