Short answer: Uninsured motorist property damage (UMPD) helps pay to fix your car when an uninsured driver hits you. South Carolina and Virginia build it into required UM coverage, at least $25,000 and $20,000 per accident, with up to a $200 exclusion. North Carolina includes it with a $100 exclusion. California requires insurers to offer it: your collision deductible, or up to $3,500 if you don't carry collision. Maryland requires it with loss of use, and Washington includes it unless you reject it in writing.
UMPD is separate from uninsured motorist bodily injury coverage, which pays for injuries.
The table
| State | Rule | Limits and exclusions | Source |
|---|---|---|---|
| California | Must be offered (not required). With collision coverage: the insurer pays your collision deductible after a crash with an uninsured driver. Without collision: up to the car's actual cash value or $3,500, whichever is less | Requires actual, direct physical contact with the uninsured vehicle. Doesn't cover loss of use or personal property in the car | Cal. Ins. Code §11580.26 |
| Louisiana | If your policy has no collision coverage for a car and you haven't rejected UM, the insurer must add UM property damage coverage at your written request, up to the car's actual cash value or the state minimum property damage limit, whichever is less | $250 deductible per accident. No coverage without physical contact with the uninsured vehicle unless an independent and disinterested witness backs you up | La. R.S. 22:1295(1)(d) |
| Maryland | Required: auto liability policies must include uninsured motorist coverage for property damage, including loss of use of the insured vehicle | Must at least equal the property damage amounts required by Title 17 of the Transportation Article; form and conditions are approved by the Commissioner | Md. Code, Ins. §19-509 |
| North Carolina | UM property damage is part of the uninsured motorist coverage on liability policies | Subject to an exclusion of the first $100 of damages for each insured | N.C.G.S. §20-279.21(b)(3) |
| Oregon | Insurers writing private passenger auto liability must have UM property damage coverage for sale, at least at the state minimum property damage liability amount | It doesn't cover the first $300 of damage after a hit-and-run or phantom vehicle crash, or the first $200 in other cases. It pays only what you're legally entitled to recover and doesn't cover loss of use | ORS 742.510 |
| South Carolina | Required: the uninsured motorist provision must include at least $25,000 for damage to the insured's property in one accident | May exclude the first $200 of the loss | S.C. Code §38-77-150(A) |
| Texas | Auto liability policies must include uninsured/underinsured motorist coverage, including property damage, unless a named insured rejects it in writing | UM property damage is subject to a $250 deductible and must be offered up to your property damage liability limit. If you also have collision, you choose which to use and may combine them | Tex. Ins. Code §§1952.101, 1952.105, 1952.107 |
| Vermont | Auto liability policies must include uninsured/underinsured and hit-and-run coverage for property damage as well as injury, up to $10,000 per claim with a $150 deductible | If you also carry collision or other direct damage coverage, the UM property damage coverage pays your collision deductible with no deductible of its own, and the collision coverage handles the rest | 23 V.S.A. § 941(a) |
| Virginia | Required: the UM endorsement must provide at least $20,000 for damage to the insured's property in one accident | May exclude the first $200 when the uninsured driver can't be identified | Va. Code §38.2-2206(A) |
| Washington | Underinsured coverage, which by statute includes uninsured, hit-and-run and phantom vehicles, must be provided for property damage unless a named insured or spouse rejects it in writing | Property damage means physical damage to the insured vehicle unless the policy covers more. Deductible up to $300 for hit-and-run or phantom vehicles and up to $100 otherwise | RCW 48.22.030 |
We list only states where we read the official text ourselves in October 2026. A state that is missing is not covered here; check that state's statute or insurance department.
Choosing UMPD coverage
- If you carry collision, UMPD may mainly cover your deductible, as in California.
- If you don't carry collision, UMPD may be the only way to fix your car after an uninsured driver hits you.
- Get the other driver's information and a police report. California requires direct physical contact.
See uninsured motorist requirements by state and hit-and-run UM reporting deadlines.
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Methodology
Each row was read from the official source linked in the Source column in October 2026. This is general information, not legal advice. See also the state insurance rules hub.
Frequently asked questions
Is uninsured motorist property damage required?
In this table, South Carolina and Virginia require it as part of UM coverage. California requires insurers to offer it.
How much does UMPD pay in California?
With collision coverage, it pays your collision deductible. Without collision, up to the car's actual cash value or $3,500, whichever is less.
Is there a deductible on UMPD?
South Carolina and Virginia allow a $200 exclusion (Virginia only when the driver is unidentified), and North Carolina applies a $100 exclusion.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. Not legal, tax or financial advice, and not a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.