How should I buy uninsured motorist property-damage coverage?
Even though you purchase property-damage coverage that doesn’t mean that you’re going to be protected as if you purchased a regular auto insurance policy. Uninsured motorist (UM) coverage doesn’t protect you if an uninsured motorist hits your car.
Your repair bill will usually be covered in most coverage by your collision coverage. However, that means you have to come up with the deductible.
In the event of an accident, UM coverage will give you big savings. Don’t forget that it will only provide savings in 26 states and the District of Columbia.
Here are the states in which uninsured motorists property-damage coverage is available:
- Alaska
- Arkansas
- California
- Colorado
- Delaware
- District of Columbia
- Georgia
- Illinois
- Indiana
- Iowa
- Louisiana
- Maryland
- Mississippi
- New Jersey
- New Mexico
- North Carolina
- Ohio
- Oregon
- Rhode Island
- South Carolina
- Texas
- Tennessee
- Utah
- Virginia
- Vermont
- Washington
- West Virginia