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. Progressive insurance for uninsured drivers covers the policyholder after an accident caused by an uninsured driver. Depending on the details of the policy, Progressive's uninsured motorist insurance may include coverage for bodily injury and property damage in the event of accidents involving uninsured drivers.
It can also cover damage caused by an accident caused by an underinsured driver, that is, a driver whose policy limits are not high enough to pay for all expenses related to the accident. Collision insurance will pay for the repair of your vehicle if you are hit by an uninsured driver, but it won't cover any of your medical expenses and comprehensive insurance won't cover your expenses at all after a collision. Full coverage isn't the official name of any type of insurance, so be sure to clarify if these types of insurance are included if you buy a Progressive policy. According to the Insurance Information Institute, nearly 13% of drivers across the country don't have car insurance.
Progressive roadside assistance pays for towing services if your car breaks down for any reason, whether it's on the road or in your driveway. Comprehensive car insurance and collision insurance are also common types of car insurance coverage, although no state requires them. Progressive's full coverage typically includes at least the minimum auto insurance coverage required by the state, along with collision and all-risk insurance to protect the policyholder's vehicle. 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.
This type of coverage protects you if you're involved in an accident with a driver who doesn't have car insurance or doesn't have enough coverage. 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. By requiring specific liability insurance for victims of an accident caused by you, they can receive financial help for injuries and property damage without seriously affecting their own financial well-being. However, drivers who choose not to purchase auto insurance must show that they have sufficient funds to meet the state's financial responsibility requirements (PDF) in the event that they cause an accident.
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. 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.
