- Uninsured motorist property damage (UMPD) is a weird one—some states offer it, others don’t, and sometimes it only covers certain situations.
- I checked into it when I started driving, but honestly, the rules made my head spin. Like, sometimes it only kicks in if the other driver is identified? Which kinda defeats the point if they just take off.
- My cousin had UMPD and it saved her after a parking lot hit-and-run, but my friend in another state couldn’t even get it.
- The fine print is wild. Sometimes you’re covered, sometimes you’re just... not. Insurance roulette, basically.
- I still keep collision for now, just for peace of mind, but I get why people drop it—those premiums add up fast.
Honestly, I’ve always thought UMPD is a bit of a gamble. Like, you pay for it and then maybe it bails you out… or maybe your claim gets denied because of some technicality. I stick with collision too, even though the premiums sting. At least I know what I’m getting, more or less. The whole “driver must be identified” thing just seems backwards if you ask me—hit-and-runs are exactly when you need coverage most.
Yeah, I hear you on the UMPD thing. I had it for a while, but after my neighbor’s car got sideswiped and his claim got denied because they couldn’t ID the driver, I dropped it. At least with collision, you know you’re covered, even if it costs more. The “must identify the driver” rule just feels like a loophole for the insurance companies to avoid paying out.
Yeah, that “must ID the driver” thing tripped me up too. My sister’s car got hit in a parking lot and the camera footage was useless—blurry plates, no luck. Her UMPD claim was denied for the same reason. Has anyone actually had UMPD pay out when they couldn’t find the other driver? I’m starting to wonder if it ever works unless you get really lucky.
Yeah, that’s what worries me too. I just started looking into insurance and it feels like UMPD is almost useless unless you can hand them a license plate or something. Makes me wonder if it’s even worth paying extra for it, honestly. The fine print always gets you...