Uninsured motorist property damage coverage
usually comes with a deductible, much like your collision
coverage would. However, unlike collision coverage, uninsured motorist property damage claim won't raise your premium as much
as a collision claim out. On average, a UIMP claim raises your rates about $98
a year. In Maryland, however, it's only about a $43 a year increase. Compared to a collision (at-fault) claim, which results in a $435 increase. Consider, however, that this is just an average and your company might charge you more or less than this amount. To answer your last question, most companies will charge you for violations for 3 years. So, that $43 stretches to $129 overall plus whatever your deductible is.