Uninsured motorist property damage coverage, also known as UMPD, helps pay for repairs to your vehicle after a crash caused by an uninsured or underinsured driver. This protection is not available in all states.
Underinsured motorist coverage is a protection that helps pay for your expenses if you’re hit by an underinsured driver. In some states, uninsured and underinsured motorist coverages are bundled together and offered as single protection on your car insurance policy. An uninsured motorist is defined by the state you live in, but the basic definition is that the driver does have auto liability insurance but either: their liability limits aren’t enough to cover your bills after an accident, or their liability limits are less than or equal to your underinsured motorist coverage limit. Underinsured motorist coverage only offers one type of protection and that is helping pay for medical bills if you are hit by an underinsured driver.
Uninsured motorist coverage may be required by law, but underinsured motorist coverage is optional in most states. While most states require by law that drivers carry auto liability insurance one in eight drivers are uninsured, so while it is not required by law in Florida it could help unforeseeable expenses in the future.
Comprehensive coverage helps pay or repair your vehicle if it is stolen or damaged in an incident that is not a collision. If you’re financing or leasing your car, your lender likely requires comprehensive coverage. If you own your vehicle outright, it’s an optional coverage on your car insurance policy.
Comprehensive Coverage covers, theft, vandalism, fire, natural disasters (like a hurricane or a tornado), falling objects, damage done to your car by animals, a civil disturbance (like a riot that results in damage or destruction of your car). It does not cover, damage to your car from a collision, damage to another person’s vehicle from a collision, your (or your passengers’) medical expenses after an accident
When purchasing comprehensive coverage, you have the ability to set a deductible, which you will pay out of pocket toward the covered claim. Let’s say you choose a $500 deductible, and your car is later damaged by hail in a covered claim. If it costs $1,500 to repair your car, you would pay your $500 deductible, and your insurance would pay the remaining $1,000.
Comprehensive coverage has a limit, or the maximum amount your policy will pay toward a covered claim. The limit on comprehensive coverage is typically the actual cash value of your vehicle.