While you may be a responsible driver, the reality is that many others on the road are not. It is expected of you to have insurance to be able to pay for expenses when auto accidents occur. In principle, this is a fair system if everyone participates. What ends up happening, unfortunately, is that those who are insured end up having to pay for both parties involved. The IRC estimated that 13% of drivers are uninsured. But with the threat of legal action and other consequences, why would so many drivers risk hitting the open road without any means of insurance? Well, there are multiple reasons that can explain why uninsured drivers are becoming more and more common all across the country.
Many Can’t Meet Payments
While many states require a driver to obtain car insurance before purchasing a new vehicle, that doesn’t necessarily mean they plan to stay ensured. For many, the expense of insurance is too much to keep up with. After renewing license plates, drivers can drop their coverage and go on undetected. In the event that you are found out for driving uninsured, the fine is still cheaper than the original cost of insurance coverage. Those who live in poverty seem to suffer most from this, and some states are starting to recognize the need for more affordable insurance. In the state of California, private insurance companies are coming up with coverage plans that are simple enough for those with a restrictive budget, starting as low as $200 per year. Compared to the national average, new plans like the ones implemented in California have the potential to really make a difference.
Some states such as Florida have battled with increasingly high numbers of uninsured motorists. In recent years, the number for the state has reached as high as 26% of the entire state’s driving population. This is, in part, because Florida is a busy state with many visitors coming from all across the country and even the world at large. The population of residents is growing as well and has the potential to grow even more as people will flock to the sunny peninsula for refuge, such as those victims from hurricane Maria in Puerto Rico. Florida officials have contemplated taking measures into their own hands as has been done in other states. Oklahoma used to be a state with one of the highest uninsured driver rates until a new law was recently passed allowing law enforcement to confiscate vehicle tags. Illegal immigrants are also a large portion of those who are uninsured drivers.
While there are many situations that lead to a lack of insured drivers across the country, it can still be a frustrating issue for those drivers that prepare themselves with proper coverage. If you or a loved one has been involved in an accident where the other party was uninsured, you should make sure you have the right legal help by your side. Call the JD Haas and Associates to learn more about your case today at 952-345-1025.