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Underinsured motorist property damage coverage is mandatory in some states. This type of insurance is included as part of your overall auto owners insurance policy. Underinsured motorist property damage coverage protects you if your car is damaged in an accident caused by a driver who has insufficient insurance coverage. Depending on the state you live in, there may be other specific protections afforded by this type of insurance. Underinsured motorist property damage coverage will pay for damage to your car only, and not personal medical expenses. This type of coverage will pay the difference between your pre-determined coverage limit and the other driver's property damage coverage limit.