Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

Who pays for hit and run damage if there's no UMPD coverage in NY?

I just moved to NY from NJ. I just realized they don't offer Uninsured Physical Damage coverage as we did in NJ. So who pays for Uninsured Physical Damage to my car?

Jan 20, 2019 New York City, NY

Answer
Author profile picture

Ava Lynch

Insurance Analyst

Credentials
  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

Uninsured Motorist Property Damage (UMPD) is not a coverage that is offered in New York. If your policy has collision coverage, you can now use that to repair any damages from a hit-and-run. Or if the situation calls for it, you can also take legal action against the at-fault party. For more information, see our guide to uninsured motorist coverage

Good luck and if you have any additional questions don't hesitate to ask.

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Should I file a claim if my car was side-swiped?

Sorry to hear about your situation. There are several factors to consider before filing a claim. First, do you have collision coverage? In this case, you must have collision coverage for the damages to be covered. Second, is the cost of the damages worth filing a claim? If you file a claim, you wil…
Jun 12, 2019 Exeter, RI

Will having historical plates on my car lower the cost of insurance?

If you are going to have historical or classic plates you are going to fall into special types of plans. Personal auto plans that most companies offer will not adequately cover what you need. That, or they will charge you more than they should. I highly recommend checking out Hagerty for their serv…
Dec 9, 2019 Albany, NY

If I hit someone and they don't have car insurance is it still my fault?

If you're determined at fault in the accident, you are responsible for the other driver's damages regardless of whether or not they're insured. You might be thinking of no-fault insurance, which Pennsylvania has voluntary participation in. This only refers to bodily injury damages an…
Jun 16, 2019 Lancaster, PA

My address on my license doesn't match my insurance card. Is that ok?

Thank you for reaching out to The Zebra!First of all, your insurance policy and your driver's license (as well as your vehicle registration) should use the same address. Depending on which insurance company you have, that will determine how quickly you should get this taken care of, but genera…
Jan 10, 2018 Utica, NY