Millions of Americans are driving without insurance, and as a result, pay thousands of dollars that could have easily been avoided. Contrary to popular belief, driving with no insurance is quite common, with 1 in 6 drivers driving uninsured. If you are reading this, chances are that you are one of them!
Admittedly, car insurance can be quite expensive. However, it is required in 48 states to drive legally. This is due to how unfair it is to crash victims of uninsured drivers. Without driving insurance, the bills of a car crash can be unbearably high. Car part replacement, driving fines and medical bills can reach well into the $10,000’s, and often leaves uninsured drivers in debt for years. So why cause yourself extra stress and worry by risking this?
There are many forms and types of car insurance plans, but the most important one is liability insurance. Liability insurance is the most common insurance feature, as it ensures that in the event of a car accident, the other driver’s medical and vehicle expenses will be paid for. It is for this reason that liability insurance is the minimum requirement in most states. Other than liability insurance, there is a plethora of additional car insurance features, such as part replacement for your own car. To cope with the financial recession, many companies are offering minimalistic auto insurance plans so that people with very low income can still afford car insurance!
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Some motorists with impeccable driving history argue that requirement for auto insurance is simply unfair. However, with some states having as much as 29% of drivers being uninsured, it is easily to realize why this rule is so important. This means that statistically 29% of all crashes involved an uninsured driver. That adds up to a very high price tag with no one to pay it.
Who are all these people driving without 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.
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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 16.67 percent who choose to drive and put others at risk for financial jeopardy? 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. Use your time and resources to find an insurance plan that will work with your lifestyle and money situation. Ask yourself, do you want to be one of them?