Americans must pay millions of dollars annually due to uninsured drivers. Driving without insurance is, unfortunately, a fairly common thing. The statistics show that in 2004, at least 14.3% of drivers did not have insurance. Barely five years after that, the ratio is up to 1 out of every 6. Are you one of them?
Driving without insurance is not safe, and buying auto insurance is not cheap. You must have insurance in 48 states. Driving uninsured is a bad choice, as anyone who has ever been involved in a traffic altercation understands. When you choose to be uninsured, you are taking a chance on not being able to replace your car if it is destroyed, not to mention having unpaid medical bills due to injuries obtained in an accident. The end result is that it could a financial nightmare. You are also risking the same for the person you hit. Are you one of the uninsured?
Liability insurance, which is the commonly the purchase choice for persons having financial difficulty, ensures that if you cause an accident, the other person’s medical and vehicle repair expenses will be paid for. This is the minimum allowed by law in most states. Levels of coverage vary, and some provide a replacement rental car. Today, many companies offer underinsured and uninsured protection to consumers as the number of uninsured drivers grows.
Many question the fairness of asking motorists responsible enough to buy auto insurance to take on the additional burden of uninsured insurance. However, with nearly seventeen percent of motorists uninsured nationally, and some states as high as twenty nine percent, fairness might not be as important as necessity. Nearly twenty five percent of all vehicle accidents involve uninsured drivers. The price tag skyrockets, and no one can pay for it.
Who are those driving without auto insurance? A great many of them are persons who cannot get insurance because of a suspended license due to DUI and other repeat infractions. A great many of them are folks who find themselves in financial difficulty and believe cutting insurance is a harmless way to save money. Still a great many others are people who just don’t have the money for insurance, and who don’t consider ?not driving’ to be an option.
Because if this growing epidemic many states are having police set up insurance checks, which are very much along the lines of sobriety checks. Drivers unable to produce proof of car insurance receive very substantial fines. This might be a deterrent for some, but if a driver has no money or has no social conscience, it is unlikely that a hefty fine will be paid either.
Driving without insurance carries a huge risk potential for the driver and for anyone else on the road. Are you the one in six? About 8 percent.Putting others in financial jeopardy is just one consequence that the 67% who choose to drive this way. Think of the consequences. Think about the other people involved who can ill afford to pay to fix the vehicle that you have totaled. Since the numbers rise annually so do the rates for insurance holders. Find an insurance plan that will work with your budget and lifestyle. Ask yourself, do you want to be one of them?
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