Most UM policies compensate a claimant for property damage as well as wrongful death. If you have an uninsured motorist policy, you can file a claim against your policy to cover any additional expenses resulting from the accident.Uninsured motorist coverage protects you when you are in an accident and the other party is at fault. Contact us at (801) 264-6677 to speak with a lawyer! Let us help you learn more about your situation and create a plan for helping you move forward after a crash. Call (801) 264-6677 today! For property damage claims – Within 3 years from the date of the accident. A car accident settlement can help you cover the cost of medical bills and property damage. Property damage; Lost wages due to injuries. You very likely have insurance coverage that will pay for your injuries to be treated and possibly pay for the damage to your car.