You can use uninsured motorist property damage to cover damage to or total loss of your insured vehicle, up to the limits stated in your policy. That means the actual cash value of your car may not be covered. In some states, the limits may be low. In California, for example, the current limit is $3,500. If you have collision insurance, you might not need to buy uninsured motorist property damage coverage. In some states, if you carry collision coverage and uninsured motorist property damage, the UMPD will pay your collision deductible if an uninsured driver hits you.