UMPD GENERAL
This type of coverage pays for damage to your vehicle when an uninsured driver is at fault.
In Virginia, this amount may be deducted from a hit-and-run property damage claim.
What is $200?
This letter is owed to the insured any time there is an approved estimate or supplement
What is Repair Estimate Letter?
This document is often used to help verify that the at-fault driver was uninsured.
What is a police report?
Virginia regulations require this letter to be sent within 45 days of claim notice and every 45 days thereafter, as well as within 15 days of receiving proofs if the claim remains unresolved.
What is a delay letter?
The vehicle does not qualify for diminished value under UMPD. What letter needs to be sent to the insured stating this?
True or False: UMPD covers injuries to the insured.
What is false?
(Those are generally covered under UM Bodily Injury.)
This letter is required whenever an insured utilizes a rental vehicle during the claim process.
What is a Rental Denial Letter?
The insured is rear ended by OV. The driver and owner are different. The vehicle is uninsured. What needs to be done before applying UMPD?
What is verifying to see if the driver has valid insurance?
Establishing this is critical before extending UMPD benefits.
What is liability?
Claim Scenario: The insured went to Walmart, came home and noticed damage. What are the next steps in your investigation?
1) Did you call the police
2) Did you ask Walmart if there were any cameras?
DOL is 1/11/2026. The insured calls in on 7/25/2026 to make a claim. States her taillight was broken while she was inside the grocery store on DOL. She had taillight replace by a body shop. Now she has water inside her car and ants. No police were called at initial estimate. Will UMPD apply?
RT with team
A claimant alleges the other driver is uninsured but provides no supporting documentation. The adjuster needs this first.
What is proof of no insurance?
The insured was involved in an accident and only exchanged a name and phone number with the other driver. No license plate, VIN, or vehicle information was obtained. Multiple contact attempts to the other driver have been unsuccessful. As the adjuster, what should you do next?
RT with team to see best practices
The NI files a claim stating he was a victim of a hate crime and there were 20 EBikes in front of his home and caused the damages. He states there's video footage proving this.
The appraiser reviewed DRN and saw sightings of the damages taped up 6 months ago.
Will UMPD apply?
What is No? The damages are pre-existing and he prejudiced our rights to possible recovery.