October 13, 2000
UNINSURED MOTORIST PROPERTY DAMAGE COVERAGE
By: Jerome Harleston, Senior Attorney
You want to know which states require uninsured motorist property damage (UMPD) coverage.
The District of Columbia and five states, New Hampshire, New Jersey, South Carolina, Vermont, and Virginia, require the purchase of UMPD coverage.
Alaska, Delaware, Georgia, Mississippi, New Mexico, North Carolina, Rhode Island, Tennessee, Texas, Washington, and West Virginia require UMPD coverage but allow policyholders to reject it.
Ten states require insurers to offer UMPD coverage and give policyholders the option to reject it. They are: Arkansas, Colorado, Illinois, Indiana, Iowa, Louisiana, Maryland, Ohio, Oregon, and Utah.
The remaining states, including Connecticut, do not require insurers to offer UMPD coverage.