Roughly 14% of all drivers are uninsured in the US. With the continued recession and a run away illegal problem, huge numbers are uninsured. Many drivers can’t afford coverage and others with tickets and accidents would pay sky high premiums.

Even though the fines are high, unless the the driver is in an accident or pulled over for some infraction, the odds of getting caught are low. Sobriety checkpoint are used to check for paperwork. The national number has climbed during the economic downturn as many financially pressed Americans allowed their insurance to lapse.

Uninsured motorists and the unemployment rates correspond. Financial responsibility / car insurance is compulsory in every state except New Hampshire, said Loretta Worters, vice president of the Insurance Information Institute, but that doesn’t deter scofflaws.

Most states have not reduced the numbers of drivers who are uninsured,” she said. “Some drivers can’t afford insurance, and some drivers with surcharges for accidents or serious traffic violations don’t want to pay the high premiums that result from a poor driving record.

The number of uninsured motorist has climbed during the economic downturn as many financially pressed Americans cancel their car insurance.

Uninsured motorists follow the unemployment rate. The problem shows that even if you make auto insurance mandatory, a huge portion of people will still not be able to afford or willing to buy it.

Uninsured motorist coverage is a popular option, costing insured drivers billions every year, because many drivers fore-go insurance coverage.

Even with uninsured motorist coverage, you still could be hit with a hefty deductible. Then you are faced with trying to recover the deductible from the uninsured motorist, if you can ID them. Often an uninsured driver will take off for fear of arrest or having their driving privilege revoked.

When your car is damaged by an uninsured driver, you’ll also have to get other transportation while your car is being repaired. You may want to verify you have rental car coverage, and make sure it’s good for more than a few days.

Filed under: California Uninsured

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