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?
Answer
Ava joined The Zebra in 2016 as a licensed insurance agent and writer. She now serves as director of insurance content, leading coverage strategy and…
Credentials
- 9+ years of Experience in the Insurance Industry
New York doesn’t offer uninsured motorist property damage coverage, but collision insurance can help pay for hit-and-run damage
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.
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