do i need uninsured property damage

[RowanRose]

You may need uninsured motorist property damage (UMPD) coverage if you don't have collision coverage, or if you have a high collision deductible. It's also crucial if your state requires it, or if you live in an area with a high number of uninsured drivers, as it helps pay for car repairs if you're hit by a driver who has no insurance or not enough insurance.