The UMPD also known as Uninsured Motorist Property Damage coverage usually covers your vehicle's damages from an accident caused by a driver that is uninsured.
UMPD is not an available coverage in Pennsylvania. These are the available coverage in PA:
Mandatory Pennsylvania Liability Coverage:
- Bodily Injury
- Property Damage
- First Party Benefits - Medical
- Right to Recover Damages (Tort Options)
- Limited Right to Recover Damages (Limited Tort)
- Full Right to Recover Damages (Full Tort)
Optional Pennsylvania Liability Coverage
- First Party - Combination Package Benefit (CPB)
- First Party - Extraordinary Medical
- First Party - Income Loss
- First Party - Accidental Death
- First Party - Funeral
- Uninsured Motorist Bodily Injury
- Uninsured Motorist Bodily Injury - Car Stacking
Optional Pennsylvania Vehicle Coverages
- Comprehensive
- Collision
- Towing/Labor (Roadside Service)
- Rental Car Limits(Loss of Use)
- Customized Equipment
- Loan/Lease Gap Coverage
In states where UMPD is available, it is never intended to replace physical damage, but rather used supplement it. For example, in CA it has a limit of $3500. While in WA it may have a deductible of $100, but a $300 deductible for hit and run claims.
As you can see it is different in every state. Please get a Pennsylvania car insurance quote with CarInsurance.com to see if we can save you money in Pennsylvania.
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