According to Collision Week, about one in every eight drivers in the United States are uninsured, with several states having upwards of 20% of drivers lacking auto insurance. Regardless of whether your state requires Uninsured Motorist (UM) or Underinsured Motorist (UIM) Coverage, adding UM/UIM is one way to ensure your vehicle and passengers are adequately protected. Check out Staples and Associates’ recommendations on how to protect yourself from uninsured drivers. 

Accidents With Uninsured Vehicles: What It Means for Your Car Insurance 

Getting into a car accident is stressful enough—let alone colliding with an uninsured driver! If you get into a scenario where your vehicle needs to be towed, repaired or is completely totaled by an uninsured or underinsured driver, you could be footing the entire bill.

Uninsured Motorist (UM) and Underinsured Motorist Coverage (UIM)

By adding UM/UIM, you can prevent yourself from being left without a car or footing the bill for an accident that wasn’t your fault. Contact your Staples and Associates agent for a review of your personal and business auto policies to make sure you have UM and UIM.

Collision Coverage

While you’ll likely still be required to pay your deductible, in most cases, Collision Coverage pays for repairs to your car after an accident, no matter who is at fault. 

Personal Injury Protection (PIP)

PIP offers coverage of medical expenses and/or lost wages (depending on state laws) that might occur as part of an auto accident and can cover the driver and all passengers.

Questions about which types of auto coverage are best for your family or your commercial enterprise? Meet with one of our knowledgeable insurance agents at Staples and Associates for a full review of your policies, coverage, and risk factors. 

Learn more about home, auto, and business insurance policies available through Staples and Associates, with offices in Bethesda and Salisbury, MD, and Harrington, DE.