Driving without insurance is something that costs Americans many millions of dollars each year. Driving without insurance is common. In 2004 at least one in seven drivers was uninsured. Now, five years later, the number is one in six. 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. Anyone who has ever been in an accident that is the fault of an uninsured driver understands why driving without insurance is wrong. 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. In short, you are literally risking financial devastation. You are also risking the same for the person you hit. 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. This is the minimum allowed by law in most states. Levels of coverage vary, and some provide a replacement rental car. Due to the vast numbers of uninsured drivers, many companies are offering uninsured and underinsured protection to consumers.
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? Insurance can be unobtainable for those who have DUI’s or other infractions that have caused their licenses to be suspended. 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. If a driver has no money or conscience, then the fine will probably not be paid.
Driving without insurance carries a huge risk potential for the driver and for anyone else on the road. Are you one of the 15% of drivers who are driving without insurance? About 8 percent.67 percent who choose to drive and put others at risk for financial jeopardy? 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. Do you honestly want to be in that situation?
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