Everyone talks about uninsured motorist cover for injuries. There is a separate, cheaper cover for the damage to your car, and in Arizona it is a genuine alternative to carrying collision.
Uninsured motorist property damage repairs your vehicle when an identified uninsured driver is at fault.
Three things about repairing a car somebody else wrecked.
Collision pays regardless of fault, subject to your deductible. Uninsured motorist property damage pays when an identified uninsured driver was at fault, typically with a much smaller deductible or none. Many drivers carry one and have never been told about the other.
The cover costs less because it only applies in a specific situation: the other driver is identified and uninsured. It does not help if you were at fault, if the car hit a pole, or in many cases if the driver was never identified. For an older vehicle where collision is hard to justify, it can still be worth carrying.
A meaningful share of drivers on any Arizona road are uninsured, and on a rural corridor the chance of being hit by one is not academic. This cover exists precisely because the responsible party frequently cannot pay.
The cheaper route to a repaired car.
On an older car it is frequently dropped, which leaves a gap this fills.
Cheap, narrow and genuinely useful on the right vehicle.
They differ, and that difference is most of the point.
Tell us the age of each vehicle and whether collision is carried on all of them.
We decide collision versus UMPD per vehicle rather than across the board.
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