The key difference between UMPD and collision coverage is that UMPD only covers damage to your vehicle caused by a driver with little or no insurance. By contrast, collision coverage applies to any damage to your vehicle caused by a collision with another vehicle or object, regardless of fault. Collision insurance will also cover damage to your car if someone else crashes it, and will cover a wide variety of circumstances, not just an uninsured driver. If you have a car accident and the at-fault driver doesn't have enough or no liability insurance, contact your car insurance company and file a claim under your UK coverage (as long as you have coverage).
UMPD is typically combined with bodily injury coverage for uninsured motorists, which pays for injuries caused by an accident with an at-fault driver who does not have car insurance. Instead of the UMPD, Illinois drivers can use collision insurance, which covers repairs after any car accident. Normally, an Illinois driver can collect liability insurance damages from the at-fault driver after an accident. Uninsured motorist property damage coverage, or UMPD, is car insurance that pays for damage to your car or other property if you're hit by an uninsured driver.
Uninsured motorist insurance covers the policyholder's expenses after an accident if the other driver doesn't have insurance or doesn't have enough coverage to pay for the damages. Collision and comprehensive insurance will help you pay for car repairs, but those types of coverage won't cover medical expenses if you're hit by a person who doesn't have car insurance. Illinois legislators are aware of the risks, so the law requires that all drivers have coverage for uninsured drivers as part of their insurance policy. These cover damage to your own car if someone without insurance or without sufficient liability insurance for property damage crashes into you.