Uninsured motorist property damage (UMPD): This pays for the damage to your car from an accident with an uninsured driver who is at fault. If you are in an accident with an uninsured driver, you can file a claim under your own policy's uninsured motorist coverage if you have it.First, you need to confirm that the other party involved in the accident has no insurance coverage for your injuries. Report the accident quickly to initiate your claim without delay. Uninsured motorist coverage has some very important procedural requirements to recover damages from your insurance company. This guide discusses what to do after an accident and what to expect when you file a claim with your insurance company. Here's what you need to know about underinsured and uninsured motorists in California and how to recover damages for your losses. Explore your insurance options and more. In California, people must have insurance coverage on their vehicles to drive them on public roads legally. Both coverages are mandatory in many states and highly recommended for all drivers.
