The key difference between UMPD and collision coverage is that UMPD only covers damage to your vehicle caused by a driver with little or no insurance. By contrast, collision coverage applies to any damage to your vehicle caused by a collision with another vehicle or object, regardless of fault. If your car insurance policy includes coverage for uninsured drivers, you can file a car insurance claim with your insurer to cover the incident up to the limit of your policy. If you have comprehensive car insurance coverage, but not collision coverage, it's worth considering the UMPD to at least be covered for vehicle damage caused by uninsured drivers.
You can file a claim against your car collision coverage when your car is hit by an uninsured driver or in other situations that involve a collision, such as a single car accident. According to the Insurance Information Institute, nearly 13% of drivers across the country don't have car insurance. Quote car insurance online or call 1-866-749-7436 to make sure you have the right coverage to protect against uninsured or underinsured drivers. This type of coverage is an auto insurance requirement in some states, optional in several states, and isn't available in about half of the states.
In New Hampshire, auto insurance is one of several ways to demonstrate financial responsibility, but if purchased, the state requires that both coverage for uninsured and underinsured drivers be included in all policies. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy.