Uninsured Motorist Property Damage Uninsured motorist property damage coverage is optional in California. What's covered? This coverage protects your vehicle if it's damaged in an accident caused by a driver who has no insurance coverage How much protection does this coverage provide? If you don't have collision coverage, uninsured motorist property damage coverage pays up to $3,500 for repairs to the insured car. If you have collision coverage, uninsured motorist property damage coverage pays your collision deductible. Does this coverage replace collision coverage? No. You can purchase uninsured motorist property damage coverage in conjunction with your collision coverage for added protection in an accident with an uninsured driver. When you have collision coverage, uninsured motorist property damage coverage will pay for the cost of your collision deductible if your vehicle is damaged in an accident caused by an uninsured driver.