Consider uninsured motorist coverage to protect you against uninsured drivers.

In the U.S., an average of 12 percent of drivers are uninsured. If you are in an accident with someone who has no insurance coverage, you need uninsured motorist coverage to protect you and your passengers. Though less than half of states require UM coverage, it is recommended to carry the same limits as your liability coverage amounts.

Consider PIP or MedPay may be able to pay your deductibles and co-pays

There is no state requirement to carry this coverage – with the exception of no-fault states. However, PIP or MedPay coverage can be used to help cover health insurance costs, such as deductibles and copayments. PIP or MedPay is also good to have if your health insurance doesn’t cover injuries resulting from auto accidents.

Consider collision and comprehensive coverages for your vehicle

If you have a leased or financed car, lienholders will require collision and comprehensive coverage . Your contract could default if you don't have this coverage in place.

If you own your vehicle and it is less than 10 years old, it is probably still a valuable enough asset to have comprehensive and collision, since it provides protection for your vehicle if it is damaged or destroyed, no matter who is at fault.

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