Driving Without Insurance – Are You One of Them?

Americans must pay millions of dollars annually due to uninsured drivers.  Driving without insurance is common.  The statistics show that in 2004, at least 14.3% of drivers did not have insurance.  Now, five years later, the number is one in six.  Are you a member of this group?

Buying auto insurance is not cheap.  It is, however, necessary, and in 48 states, it is the law.  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.  Other levels of coverage, including coverage that supplies a replacement rental car if need be, are also available.  Due to the vast numbers of uninsured drivers, many companies are offering uninsured and underinsured protection to consumers.

Many question the fairness of asking motorists responsible enough to buy auto insurance to take on the additional burden of uninsured insurance.  Nationally , however you can find 17% of motorist uninsured and in some statesits as high as 29%, fairness might not be as important as necessity.  While 15% of drivers are uninsured, 25% of all accidents involve them.  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.  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.  Consider the consequences.  Consider the person whose car you wreck, who can’t afford to pay for your accident.  Consider the increase in rates for all insured motorists because your numbers increase every year.  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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To learn more about the risks of driving with no insurance as well as other related information check out: http://drivinginsurancereview.com