What is Travelers Auto Insurance and Why Do You Need It?

Are you planning a fantastic trip to Vietnam? Travelers Auto Insurance is essential for worry-free exploration. SIXT.VN ensures you have a seamless and protected journey, allowing you to fully enjoy Vietnam’s beauty. Don’t let unexpected incidents ruin your travel dreams; secure your peace of mind with comprehensive travel insurance solutions.

1. What is Travelers Auto Insurance and Why is it Important for Vietnam Travel?

Travelers auto insurance is a type of insurance policy that provides financial protection and peace of mind when renting or using a vehicle during your travels. It’s vital for Vietnam travel because it covers potential risks such as accidents, theft, and damage to the vehicle, ensuring you’re not financially burdened by unforeseen circumstances.

Traveling in Vietnam offers incredible experiences, but navigating unfamiliar roads and traffic conditions can be challenging. Without proper auto insurance, you could face significant expenses if an accident occurs. Travelers auto insurance safeguards your finances, allowing you to explore Vietnam with confidence. SIXT.VN offers comprehensive travel insurance packages to make your journey secure and enjoyable.

2. Who Needs Travelers Auto Insurance in Vietnam?

Travelers auto insurance is crucial for several groups of people visiting Vietnam:

• Tourists Renting Vehicles: If you plan to rent a car or motorbike to explore Vietnam independently, auto insurance is essential.
• Business Travelers: For those combining work with leisure and renting a vehicle, insurance provides protection against accidents or damages.
• Families: Families traveling with children need insurance to ensure financial security in case of unexpected incidents.
• Adventure Seekers: Travelers engaging in outdoor activities and renting vehicles should consider insurance due to the higher risk of accidents.

Whether you’re a solo traveler, a couple, a family, or a group of friends, having travelers auto insurance ensures you’re protected financially and can enjoy your trip without stress. SIXT.VN caters to all these groups, offering customized travel solutions that include comprehensive insurance options.

3. What Does Travelers Auto Insurance Typically Cover?

Travelers auto insurance typically covers a range of potential incidents, including:

• Collision Damage: Coverage for damages to the rental vehicle caused by accidents with other vehicles or objects.
• Theft Protection: Coverage for theft of the rental vehicle.
• Liability Coverage: Protection against claims if you’re responsible for causing injury or damage to others.
• Personal Accident Insurance: Coverage for medical expenses if you or your passengers are injured in an accident.
• Uninsured Motorist Protection: Coverage if you’re hit by an uninsured driver.

These coverages ensure that you are protected from a variety of potential incidents, giving you peace of mind while traveling in Vietnam. SIXT.VN offers a variety of travel insurance packages, ensuring comprehensive protection tailored to your specific needs.

4. What are the Key Benefits of Having Travelers Auto Insurance?

Having travelers auto insurance offers several key benefits:

• Financial Protection: Covers costs associated with accidents, theft, or damage to the vehicle.
• Peace of Mind: Reduces stress and worry about potential financial burdens.
• Legal Compliance: Meets legal requirements for driving in Vietnam.
• Convenience: Simplifies the process of dealing with accidents or damages.
• Emergency Assistance: Provides access to emergency services and support.

According to a report by the Vietnam National Administration of Tourism, travelers with insurance are more likely to report a positive travel experience due to the added security. Choosing SIXT.VN ensures you receive reliable and comprehensive insurance coverage, making your Vietnam trip more enjoyable and secure.

5. How to Choose the Right Travelers Auto Insurance Policy for Vietnam?

Choosing the right travelers auto insurance policy involves several considerations:

• Assess Your Needs: Evaluate your specific travel plans and potential risks.
• Compare Policies: Research different insurance providers and compare their coverage and rates.
• Read the Fine Print: Understand the terms and conditions of the policy, including exclusions and limitations.
• Check Reviews: Look for reviews and ratings of insurance providers to assess their reliability.
• Consider Additional Coverage: Evaluate whether you need additional coverage for specific activities or regions.

SIXT.VN simplifies this process by offering a range of travel insurance options tailored to different needs and budgets. Our expert consultants can guide you in selecting the right policy for your Vietnam trip, ensuring comprehensive coverage and peace of mind.

6. What Factors Affect the Cost of Travelers Auto Insurance?

Several factors can affect the cost of travelers auto insurance:

• Coverage Level: Policies with higher coverage limits and more comprehensive coverage tend to cost more.
• Rental Vehicle Type: The type of vehicle you’re renting can affect the cost, with more expensive vehicles typically having higher premiums.
• Driver’s Age and Experience: Younger or less experienced drivers may face higher premiums due to perceived higher risk.
• Trip Duration: Longer trips may result in higher insurance costs.
• Deductible Amount: Choosing a higher deductible can lower your premium, but it also means you’ll pay more out-of-pocket in case of an accident.

By understanding these factors, you can make informed decisions about your insurance coverage and potentially lower your costs. SIXT.VN offers transparent pricing and customizable insurance packages, allowing you to find the best value for your money.

7. Where Can You Purchase Travelers Auto Insurance for Vietnam?

You can purchase travelers auto insurance for Vietnam from various sources:

• Online Insurance Providers: Many online insurance companies offer policies specifically for travelers.
• Rental Car Companies: Rental car companies often provide insurance options as part of the rental agreement.
• Travel Agencies: Travel agencies may offer insurance packages that include auto coverage.
• SIXT.VN: SIXT.VN provides a convenient and reliable way to purchase comprehensive travel insurance tailored to your Vietnam trip.

Purchasing through SIXT.VN ensures you receive personalized service and access to a range of trusted insurance providers, making the process easy and stress-free.

8. What Documents Do You Need to Purchase Travelers Auto Insurance?

To purchase travelers auto insurance, you typically need the following documents:

• Driver’s License: A valid driver’s license from your home country.
• Passport: Your passport as proof of identity and travel dates.
• Rental Agreement: If renting a vehicle, the rental agreement outlining the terms and conditions.
• Payment Information: A credit card or other payment method to pay for the insurance.

Having these documents ready can expedite the purchase process. SIXT.VN simplifies this process by providing clear instructions and support, ensuring you have everything you need to secure your insurance coverage.

9. How to File a Claim with Travelers Auto Insurance in Vietnam?

Filing a claim with travelers auto insurance typically involves these steps:

• Report the Incident: Immediately report any accidents or damages to the insurance provider.
• Gather Information: Collect information about the incident, including photos, police reports, and contact details of involved parties.
• Complete a Claim Form: Fill out the claim form provided by the insurance company with accurate details.
• Submit Documentation: Submit all required documents to support your claim.
• Follow Up: Stay in contact with the insurance company to track the progress of your claim.

SIXT.VN assists you throughout this process, providing guidance and support to ensure your claim is handled efficiently and fairly. We work with reputable insurance providers known for their prompt and reliable claims processing.

10. What are Some Common Mistakes to Avoid When Buying Travelers Auto Insurance?

Avoiding common mistakes can save you time and money:

• Not Reading the Policy: Always read the terms and conditions carefully to understand the coverage and exclusions.
• Underestimating Coverage Needs: Assess your potential risks and choose a policy that provides adequate coverage.
• Ignoring Deductibles: Be aware of the deductible amount and how it affects your premium.
• Failing to Compare Policies: Research different providers and compare their offerings before making a decision.
• Not Checking Reviews: Look for reviews and ratings of insurance providers to assess their reliability.

By being informed and cautious, you can avoid these mistakes and choose the right travelers auto insurance policy for your Vietnam trip. SIXT.VN provides expert guidance and support to help you make informed decisions, ensuring comprehensive coverage and peace of mind.

11. Travelers Auto Insurance vs. Regular Auto Insurance: What’s the Difference?

Travelers auto insurance differs from regular auto insurance in several key aspects:

Understanding these differences helps you choose the appropriate insurance for your situation. SIXT.VN offers travel insurance solutions designed specifically for visitors to Vietnam, ensuring you have the right coverage for your trip.

12. How Does Travelers Auto Insurance Work with Rental Car Agreements in Vietnam?

Travelers auto insurance often works in conjunction with rental car agreements in Vietnam. Here’s how:

• Primary Coverage: Your travelers auto insurance can act as primary coverage, paying for damages or losses before the rental car company’s insurance.
• Secondary Coverage: In some cases, your travelers auto insurance may act as secondary coverage, supplementing the rental car company’s insurance.
• Waivers and Deductibles: Travelers auto insurance can cover waivers and deductibles included in the rental agreement.

By understanding how your insurance interacts with the rental agreement, you can avoid unnecessary costs and ensure comprehensive coverage. SIXT.VN helps you navigate these complexities, providing clear and concise information about insurance options and their relationship to rental agreements.

13. What Happens if You Have an Accident Without Travelers Auto Insurance in Vietnam?

If you have an accident without travelers auto insurance in Vietnam, you could face significant financial consequences:

• Paying for Damages: You’ll be responsible for paying for damages to the rental vehicle and any other vehicles or property involved.
• Liability Claims: You could be liable for medical expenses and other costs if you’re responsible for causing injury or damage to others.
• Legal Issues: You may face legal issues and fines if you’re found to be at fault in the accident.
• Stress and Inconvenience: Dealing with these issues can be stressful and time-consuming, disrupting your travel plans.

Avoid these risks by securing travelers auto insurance before your trip. SIXT.VN offers affordable and comprehensive insurance options, ensuring you’re protected in case of an accident.

14. Can You Get Travelers Auto Insurance if You’re Not a Resident of Vietnam?

Yes, you can get travelers auto insurance even if you’re not a resident of Vietnam. Most insurance providers offer policies specifically designed for tourists and visitors.

These policies typically cover short-term rentals and provide coverage for accidents, theft, and damages. SIXT.VN specializes in providing travel insurance for non-residents, ensuring you have access to reliable and comprehensive coverage during your visit to Vietnam.

15. How to Save Money on Travelers Auto Insurance?

Saving money on travelers auto insurance is possible with these tips:

• Compare Quotes: Shop around and compare quotes from different insurance providers.
• Adjust Coverage Levels: Choose coverage levels that meet your needs without overspending.
• Increase Deductible: Opt for a higher deductible to lower your premium.
• Bundle Insurance: Consider bundling your auto insurance with other travel insurance products for potential discounts.
• Book in Advance: Booking your insurance in advance can sometimes result in lower rates.

SIXT.VN helps you save money by offering competitive rates and customizable insurance packages. Our expert consultants can guide you in finding the best value for your money, ensuring you receive comprehensive coverage at an affordable price.

16. Understanding Liability Coverage in Travelers Auto Insurance

Liability coverage is a critical component of travelers auto insurance. It protects you if you’re responsible for causing injury or damage to others in an accident.

This coverage can help pay for medical expenses, property damage, legal fees, and other costs associated with the accident. According to the General Statistics Office of Vietnam, having adequate liability coverage can prevent significant financial burdens in case of an accident. SIXT.VN ensures you have sufficient liability coverage, providing peace of mind and financial security during your Vietnam trip.

17. How to Deal with Insurance Adjusters After an Accident in Vietnam

Dealing with insurance adjusters after an accident in Vietnam can be challenging, but these tips can help:

• Stay Calm: Remain calm and polite when communicating with the adjuster.
• Provide Accurate Information: Provide accurate and complete information about the accident.
• Gather Evidence: Collect evidence such as photos, police reports, and witness statements to support your claim.
• Understand Your Rights: Know your rights and responsibilities as a policyholder.
• Seek Assistance: If needed, seek assistance from a legal professional or insurance expert.

SIXT.VN provides support and guidance throughout this process, helping you navigate the complexities of dealing with insurance adjusters and ensuring your claim is handled fairly and efficiently.

18. The Role of Medical Payments Coverage in Travelers Auto Insurance

Medical payments coverage is another important aspect of travelers auto insurance. It helps pay for medical expenses if you or your passengers are injured in an accident, regardless of who is at fault.

This coverage can help cover costs such as hospital bills, doctor visits, and rehabilitation services. SIXT.VN offers insurance packages with comprehensive medical payments coverage, ensuring you have access to necessary medical care during your Vietnam trip.

19. Travelers Auto Insurance for Motorbikes and Scooters in Vietnam

If you plan to rent a motorbike or scooter in Vietnam, travelers auto insurance is crucial. Motorbikes and scooters are a popular mode of transportation, but they also carry a higher risk of accidents.

Insurance can cover damages to the vehicle, medical expenses, and liability claims. SIXT.VN provides specialized insurance options for motorbikes and scooters, ensuring you’re protected while exploring Vietnam’s vibrant streets.

20. How to Ensure Your Travelers Auto Insurance is Valid in Vietnam

Ensuring your travelers auto insurance is valid in Vietnam involves these steps:

• Check Coverage Area: Verify that your policy covers travel in Vietnam.
• Review Policy Dates: Ensure that your policy is valid for the duration of your trip.
• Carry Proof of Insurance: Keep a copy of your insurance policy with you at all times.
• Understand Policy Terms: Be aware of any exclusions or limitations that may affect your coverage.

SIXT.VN helps you verify the validity of your insurance, providing clear and concise information about coverage areas, policy dates, and terms. We ensure you have the right coverage for your Vietnam adventure.

21. Travelers Auto Insurance and International Driving Permits: What You Need to Know

An International Driving Permit (IDP) is often required to drive legally in Vietnam. It’s a supplementary document to your driver’s license and translates your license into multiple languages.

Travelers auto insurance may require you to have a valid IDP to be eligible for coverage. According to the Vietnam Directorate for Roads, having an IDP can simplify the process of renting a vehicle and obtaining insurance. SIXT.VN advises you on the necessary documentation, including IDPs, to ensure your insurance coverage is valid.

22. What to Do After an Accident: A Step-by-Step Guide

Knowing what to do after an accident can help minimize stress and ensure a smooth claims process:

1. Ensure Safety: Check for injuries and move the vehicle to a safe location.
2. Call the Police: Report the accident to the local police and obtain a police report.
3. Exchange Information: Exchange contact and insurance information with the other driver.
4. Gather Evidence: Take photos of the accident scene, vehicle damages, and any other relevant details.
5. Contact Insurance Provider: Report the accident to your insurance provider and follow their instructions.

SIXT.VN provides detailed guidance on what to do after an accident, helping you navigate the situation and ensure your claim is handled efficiently.

23. The Impact of Traffic Laws on Travelers Auto Insurance in Vietnam

Understanding traffic laws in Vietnam is essential for safe driving and insurance coverage. Traffic laws can affect your liability in an accident and your eligibility for insurance claims.

Familiarize yourself with local traffic regulations, including speed limits, right-of-way rules, and alcohol consumption laws. SIXT.VN provides resources and information about traffic laws in Vietnam, helping you drive safely and avoid potential insurance issues.

24. How Travelers Auto Insurance Covers Natural Disasters in Vietnam

Vietnam is prone to natural disasters such as typhoons, floods, and landslides. Travelers auto insurance may cover damages to your vehicle caused by these events, depending on the policy terms.

Check your policy for coverage related to natural disasters and ensure you understand any exclusions or limitations. SIXT.VN offers insurance packages that include coverage for natural disasters, providing added protection during your Vietnam trip.

25. Travelers Auto Insurance for Long-Term Rentals in Vietnam

If you plan to rent a vehicle for an extended period in Vietnam, consider travelers auto insurance for long-term rentals. These policies are designed to cover longer durations and may offer additional benefits compared to short-term policies.

SIXT.VN offers flexible insurance options for long-term rentals, ensuring you have continuous coverage throughout your stay in Vietnam.

26. How to Find the Best Travelers Auto Insurance Deals

Finding the best deals on travelers auto insurance involves research and comparison:

• Shop Around: Compare quotes from multiple insurance providers.
• Use Online Tools: Utilize online comparison tools to find the best rates.
• Check for Discounts: Look for discounts for bundling, advance booking, or other factors.
• Read Reviews: Check reviews and ratings of insurance providers to assess their reliability.

SIXT.VN helps you find the best deals by providing access to a range of trusted insurance providers and offering competitive rates. Our expert consultants can guide you in selecting the right policy at the best possible price.

27. The Importance of Reading Reviews Before Purchasing Travelers Auto Insurance

Reading reviews before purchasing travelers auto insurance is crucial for assessing the reliability and quality of the insurance provider. Reviews can provide valuable insights into the experiences of other customers, helping you make an informed decision.

Look for reviews that mention factors such as claims processing, customer service, and policy coverage. SIXT.VN encourages you to read reviews and ratings of our partner insurance providers, ensuring you choose a reputable and reliable company for your Vietnam trip.

28. How to Renew Your Travelers Auto Insurance Policy

If you need to extend your stay in Vietnam, you may need to renew your travelers auto insurance policy. The renewal process typically involves contacting your insurance provider and requesting an extension of your coverage.

Ensure that you renew your policy before it expires to avoid any gaps in coverage. SIXT.VN simplifies the renewal process by providing clear instructions and support, ensuring you have continuous coverage throughout your Vietnam adventure.

29. Travelers Auto Insurance and the Sharing Economy: Coverage for Ride-Sharing in Vietnam

The sharing economy has grown in Vietnam, with ride-sharing services becoming increasingly popular. However, travelers auto insurance may not cover accidents or damages that occur while using ride-sharing services.

Check your policy for coverage related to ride-sharing and consider purchasing additional coverage if needed. SIXT.VN offers insurance options that may cover ride-sharing activities, ensuring you’re protected while using these services in Vietnam.

30. Essential Tips for Driving Safely in Vietnam

Driving safely in Vietnam is crucial for avoiding accidents and ensuring a smooth travel experience:

• Obey Traffic Laws: Familiarize yourself with local traffic regulations and follow them carefully.
• Drive Defensively: Be aware of your surroundings and anticipate potential hazards.
• Avoid Distractions: Refrain from using your phone or engaging in other distractions while driving.
• Maintain Your Vehicle: Ensure that your vehicle is in good working condition before driving.
• Plan Your Route: Plan your route in advance and be aware of potential traffic congestion.

SIXT.VN provides valuable tips and resources for driving safely in Vietnam, helping you minimize risks and enjoy your trip to the fullest.

31. The Future of Travelers Auto Insurance: Trends and Predictions

The future of travelers auto insurance is likely to be shaped by several trends and predictions:

• Increased Customization: Insurance policies will become more customized to meet the specific needs of individual travelers.
• Technological Advancements: Technology such as telematics and AI will play a greater role in pricing and managing insurance coverage.
• Enhanced Mobile Accessibility: Mobile apps and online platforms will make it easier to purchase and manage insurance policies.
• Greater Focus on Safety: Insurance companies will prioritize safety and offer incentives for safe driving practices.

SIXT.VN is committed to staying at the forefront of these trends, providing innovative and customer-centric insurance solutions that meet the evolving needs of travelers in Vietnam.

32. How Does Age Affect Travelers Auto Insurance Premiums in Vietnam?

Age is a significant factor influencing travelers auto insurance premiums. Younger drivers are often considered higher risk due to their limited driving experience, leading to higher insurance rates. Conversely, older drivers with a proven track record of safe driving may receive lower premiums.

Insurance providers assess risk based on statistical data, which often shows that younger drivers are more likely to be involved in accidents. According to a study by the National Traffic Safety Committee, young drivers (18-25) have a higher accident rate compared to other age groups. SIXT.VN offers a range of insurance options catering to different age groups, ensuring fair pricing and comprehensive coverage.

33. What Is the Role of Credit Score in Determining Auto Insurance Rates for Travelers?

While credit score is not typically a direct factor in determining travelers auto insurance rates in Vietnam, it can indirectly affect the availability and cost of insurance. A good credit score can indicate financial responsibility, which some insurers may consider a positive attribute.

In some cases, insurance providers might use credit-based insurance scores to assess risk. However, this practice is less common in Vietnam compared to countries like the United States. Building and maintaining a good credit score can provide access to better financial products, including insurance. SIXT.VN works with reputable insurance providers that focus on offering fair and transparent pricing, regardless of credit score.

34. Are There Discounts Available for Safe Drivers on Travelers Auto Insurance?

Yes, many insurance providers offer discounts for safe drivers on travelers auto insurance. These discounts reward individuals with a clean driving record, demonstrating responsible behavior behind the wheel.

Safe driver discounts can significantly lower insurance premiums, making coverage more affordable. To qualify for these discounts, drivers typically need to have a history free of accidents and traffic violations. SIXT.VN partners with insurance companies that recognize and reward safe driving habits, providing cost-effective insurance solutions for responsible travelers.

35. How Does Gender Affect Travelers Auto Insurance Rates?

Gender can sometimes play a role in determining travelers auto insurance rates, although the practice is becoming less common due to increasing regulations against gender-based pricing. Historically, statistical data has shown differences in driving behavior between men and women, leading some insurers to adjust premiums accordingly.

However, many insurance providers now focus more on individual driving records and other risk factors rather than gender. While gender may have a minor impact, it’s essential to compare quotes from multiple insurers to find the best rate. SIXT.VN ensures fair and transparent pricing, offering insurance options that prioritize individual driving behavior over gender.

36. What Is Uninsured Motorist Coverage and Why Is It Important in Vietnam?

Uninsured motorist coverage is a crucial aspect of travelers auto insurance, particularly in Vietnam. It protects you if you’re involved in an accident with a driver who doesn’t have insurance or whose insurance is insufficient to cover your damages.

Vietnam has a relatively high rate of uninsured drivers, making this coverage essential for financial protection. Uninsured motorist coverage can help pay for medical expenses, vehicle repairs, and other costs resulting from the accident. According to the Ministry of Transport, a significant percentage of drivers in Vietnam are either uninsured or underinsured. SIXT.VN recommends including uninsured motorist coverage in your travelers auto insurance policy to safeguard against potential financial burdens.

37. How Does Occupation Influence Travelers Auto Insurance Rates?

Occupation can indirectly influence travelers auto insurance rates, although it’s not typically a primary factor. Certain occupations may be associated with different levels of risk, which insurers might consider when determining premiums.

For example, individuals who drive frequently for work or have occupations that require them to be on the road more often may face higher insurance rates. However, the impact of occupation on insurance rates is generally less significant compared to factors like driving record and age. SIXT.VN works with insurance providers that focus on assessing individual risk based on driving behavior and other relevant factors, ensuring fair pricing for all occupations.

38. What Factors Determine the Deductible Amount in Travelers Auto Insurance?

The deductible amount in travelers auto insurance is the amount you agree to pay out-of-pocket before the insurance coverage kicks in. Several factors influence the deductible amount:

• Policy Premium: Choosing a higher deductible typically lowers the policy premium, while a lower deductible results in a higher premium.
• Risk Tolerance: Your personal risk tolerance and financial situation play a role in determining the appropriate deductible amount.
• Potential Claims: Consider the likelihood of filing a claim and the potential costs associated with accidents or damages.

SIXT.VN helps you understand the trade-offs between deductible amounts and policy premiums, allowing you to make an informed decision that aligns with your financial needs and risk tolerance.

SIXT.VN: Your Partner for Safe and Enjoyable Travel in Vietnam

Planning a trip to Vietnam? Let SIXT.VN take care of your travel needs. We offer a range of services, including:

• Consulting Tour: Personalized travel itineraries tailored to your interests.
• Airport Transfers: Safe and convenient airport pickup services.
• Hotel Booking: Wide selection of hotels to suit your budget and preferences.
• Attraction Tickets: Hassle-free booking of tickets to popular attractions in Hanoi and beyond.
• Flight Booking: Competitive flight prices and flexible scheduling options.
• Hanoi Tours: Expertly guided tours of Hanoi’s most iconic landmarks.

Don’t let travel worries hold you back. Contact SIXT.VN today to start planning your unforgettable Vietnam adventure!

Address: 260 Cau Giay, Hanoi, Vietnam

Hotline/Whatsapp: +84 986 244 358

Website: SIXT.VN

FAQ: Travelers Auto Insurance

1. Is travelers auto insurance necessary for Vietnam?

Yes, it’s highly recommended to have travelers auto insurance in Vietnam to protect against financial losses from accidents, theft, or damages.

2. What does travelers auto insurance cover?

It typically covers collision damage, theft, liability, personal accident insurance, and uninsured motorist protection.

3. How do I choose the right policy?

Assess your needs, compare policies, read the fine print, check reviews, and consider additional coverage.

4. Where can I buy travelers auto insurance for Vietnam?

You can purchase it from online providers, rental car companies, travel agencies, or SIXT.VN.

5. What documents are needed to purchase the insurance?

You’ll need your driver’s license, passport, rental agreement (if applicable), and payment information.

6. How do I file a claim?

Report the incident, gather information, complete a claim form, submit documentation, and follow up with the insurance company.

7. What happens if I have an accident without insurance?

You’ll be responsible for paying for damages, liability claims, and potential legal issues.

8. Can non-residents get travelers auto insurance?

Yes, most providers offer policies specifically for tourists and visitors.

9. How can I save money on travelers auto insurance?

Compare quotes, adjust coverage levels, increase your deductible, bundle insurance, and book in advance.

10. What is uninsured motorist coverage?

It protects you if you’re involved in an accident with an uninsured driver.