Automobile Insurance

11 • Underinsured motorist (UIM): This covers limited costs for bodily injury if you are in an accident with a driver who does not have enough insurance to pay for damages. • Uninsured motorist property damage (UMPD): This pays for the damage to your car from an accident with an uninsured driver who is at fault. If you do not have collision coverage. The limit is $3,500. This only pays if the uninsured driver is identified. Collision Deductible Wavier (CDW) This pays for your collision deductible if your insured vehicle is damaged in an accident with an uninsured driver who is at fault. Medical Payments Coverage This covers the cost of medical expenses if you or your passengers are injured. This coverage can pay for immediate medical care, no matter who is at fault. • The minimum limit you can buy is $1,000 for each person injured. You can ask for higher limits of coverage.