Uninsured Motorists and Your Policy Coverage

Are you covered if you are injured by someone without valid Insurance? That’s a good question, and it’s a topic that is coming up a lot lately. At Blasius Personal Insurance, we are seeing an increasing number of claims involving drivers without valid automobile insurance.

Since the COVID pandemic, many drivers let their automobile insurance lapse. This is a problem for insured drivers who have maintained their coverage and find themselves in an accident and they are not at fault. However, the at fault driver is uninsured or underinsured. That means your insurance policy pays the claim, but only up to its liability limits.

Dangerous driving behaviors are on the rise.

Here are some sobering statistics about driving behavior that increases the likelihood that you will be involved in an automobile accident. Drivers are distracted and impaired and sharing the
road with you.

• The AAA Foundation for Traffic Safety study reveals that in 2022 more people were speeding, driving through red lights, and driving impaired under the influence of alcohol and cannabis.
• In just one year from 2020 to 2021, there were over 4,000 more deaths from car crashes as reported by the National Highway Traffic Administration.
• In Connecticut, traffic fatalities in 2022 surpassed those of the previous year before the year even ended at an average rate of one person killed per day. Very concerning to all is that those numbers are on the rise.

What to do about an uninsured driver

When an uninsured driver injures you or a family member it is important to know if and how your claim will be paid. At Blasius Personal Insurance we recommend buying uninsured/underinsured coverage equal to your liability limits.

Homeowners who need to protect their assets should have a policy with minimum liability limits of $100,000 per person and $300,000 per accident. These same limits should be matched for uninsured and underinsured motorists coverage.

How coverage protects you

One accident that happens in seconds can bring on a life altering loss. In the event a driver without coverage or with low limits of coverage injures you or a family member as the at fault driver, your policy will pay for your injuries, loss of work, loss of income. With the cost of everything on the rise, loss of income could have a very serious impact on your financial well- being and your future. Nobody needs a surprise, especially while recovering from an accident. It is always a good idea to periodically review your coverage to make sure it matches your needs. If you are planning to travel for holidays or take the family on vacation, you will be on the road with lots of other drivers. You can never know who has adequate – or any – coverage. Protect yourself and your family.

Free peace of mind.

You can always contact the coverage experts at Blasius Personal Insurance for a free policy review. It costs you nothing and can make a huge difference if you find yourself in this increasingly more common circumstance. Call us at 1-203-527-6002, or email us at info@blasiusinsurance.com, or contact us online at https://www.blasiusinsurance.com/contact/.