UM – property damage protection covers your insured automobile if it is damaged in an accident. Underinsured motorist coverage can lead to a higher settlement or verdict in situations where the at-fault driver does not have sufficient insurance coverage.Safeguard your assets with essential insights on uninsured motorist property damage coverage and tips to protect against losses in Maryland. Experienced legal help for those injured in collisions with uninsured or hit-and-run drivers. If you have uninsured or underinsured motorist protection, then you can rely on it to pay for your immediate car repairs, property damage, and medical bills. An uninsured motorist accident in Maryland is defined as an accident where the negligent driver has no auto insurance. Being in a car accident can be incredibly traumatic and may result in steep bills for property damage, medical treatment, and more. There are usually two components to every Maryland automobile accident claim: bodily injury and property damage.