Report: 1 in 7 Drivers Not Insured

Recently, the Insurance Research Council conducted a study to determine the amount of drivers who had insurance, as well as the number of drivers who did not. The results were rather shocking, showing that approximately one in every seven drivers does not have any kind of insurance. This means that a vast 13.8% of the drivers you may come into contact with on the road will not have any kind of automobile insurance. If you live in a tort state and are involved in an accident with an uninsured driver who is found to be at fault, you may have to go through litigation and many other lengthy, time consuming, and often unrewarded hassles to have the damages to your vehicle and/or injuries to yourself or your loved ones paid for. Or, if you yourself drive without insurance, you can face some very serious consequences depending on the state in which you live.

The 1 in 7 drivers who is uninsured is actually a national figure. In some states, the number and percentage of uninsured drivers is even higher! Tennessee, Oklahoma, and Florida are among the worst states for dangerous, uninsured drivers with approximately 24% of drivers being uninsured. Mississippi is even worse with 28% of drivers uninsured. In New Mexico, it’s 26%. Of course, just as there are states that are worse for having uninsured drivers, there are also some that are safer. Vermont has only 7% of its drivers uninsured; the same is true for Pennsylvania; New York has 5% of its drivers uninsured; and Massachusetts and Maine have only 4.5% of drivers uninsured. Whether you live in a “good” or “bad” state for uninsured drivers, however, you need to make sure that you have insurance and that you adequately protect yourself from the risks of uninsured drivers. 

First and foremost, if you are one of these dangerous uninsured drivers, then you need to change this right away. The most common reason that people do not have automobile insurance is because they think that they cannot afford it. However, there are so many different automobile insurance providers out there that if you are truly willing to put forth the effort, you can find a provider who will offer you an affordable policy with adequate coverage. This doesn’t come easily, though. You have to be willing to research all of the licensed providers in your area thoroughly and to request free rate quotes from each one that looks promising. Then, it’s your job to compare these quotes and go with the most reasonably priced provider. Do keep in mind as well that some states have special programs for low income drivers that can help them to secure automobile insurance. If you don’t qualify for such a program or if your state doesn’t offer one, then it may be time to cut back on spending in other areas. If you absolutely cannot afford car insurance, then it’s time to rethink whether or not you can afford the privilege of driving at this point in your life; unfortunately, not everyone can.

If you do have automobile insurance, then it’s a good idea to further protect yourself from uninsured or even underinsured drivers. Almost all providers will offer the option for uninsured/underinsured motorist coverage. Some states, in fact, even require drivers to carry minimum amounts of it. If your state does not require this type of coverage, then it’s up to you to determine the amounts you will realistically need and can afford and then to add them to your policy. If your state does require this type of coverage, then you should know that the minimum amounts really aren’t enough to actually protect you in the event of an accident. As such, you’ll want to be sure to raise your coverage as much as you can afford to.

The road is a very scary place, no matter where you live. Not only do you have to worry about inclement weather conditions, driving as safely as possible, and keeping your car running well, you also have to worry about the other drivers on the road, especially the ones without adequate insurance or who don’t have insurance at all. Protect yourself by having the right coverage at all times.

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