Driving without insurance is something that costs Americans many millions of dollars each year. 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 a member of this group?
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 aren’t the only one at risk– the person you hit is as well. Are you part of the many people who are driving without
insurance?
Liability insurance ensures if you cause an accident you will pay for the other person’s medical and vehicle repair expenses. That is the minimum driving insurance allowed under the law in most states. Other levels of coverage, including coverage that supplies a replacement rental car if need be, are also available. Today, many companies offer underinsured and uninsured protection to consumers as the number of uninsured drivers grows.
A lot of people doubt that if it fair to expect motorists that are dependable enough to purchase auto insurance to handle the extra burden of insurance for the uninsured. 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. That adds up to a very high price tag with no one to pay 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. For some, car insurance is simply unaffordable, but they have to continue driving to maintain what little income they are receiving.
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? One of the 16.Putting others in financial jeopardy is just one consequence that the 67% who choose to drive this way. Consider 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. Do you honestly want to be in that situation?
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