No Liability Insurance

• In this instance, the driver who was at fault in the accident has no liability coverage. Although most states require drivers to carry liability insurance, those who drive without coverage can put you at risk. Having an uninsured motorist property damage policy can protect you in this situation by paying for your repairs.
  
  

Insurance Company Denies Claim

• The at-fault driver's insurance company may deny your claim for reasons that are beyond your control. An uninsured motorist property damage policy may help protect you from having to pay for the entire repair bill in this situation.
  
  

Not Enough Insurance

• If the cost of your repairs exceeds the at-fault driver's policy limits for payments, your uninsured motorist coverage may kick in to make up the difference. This is known as underinsured motorist coverage.
  
  

Buying Up

• Limits for uninsured motorist property damage can be as little as $3,500, but you may choose to buy more coverage.