How do I protect myself from uninsured drivers?

How can I protect myself and my new car if the other driver doesn't have insurance? I'm scared I'm going to get in an accident with someone who isn't insured.

Answer provided by
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Emily Maracle
Answered on Jul 09, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“The best protection against an uninsured driver is uninsured motorist coverage and collision insurance.
Uninsured motorist coverage will protect you if you’re injured in an accident with an at-fault, uninsured driver. Your insurance will cover the costs of your injuries up to the policy limits you select.
Uninsured motorist coverage sometimes includes uninsured motorist property damage as well. If you have this on your policy, it will protect your vehicle if an uninsured motorist damages it.
If you don’t have uninsured motorist property damage, collision coverage is important as it protects your vehicle from damage. Your insurance will pay for the cost of repairs minus your deductible.
While it can be frustrating that many drivers don’t have insurance, the only thing you can do is ensure you’re properly protected with the right coverage on your policy.”
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