Driving without insurance is something that costs Americans many millions of dollars each year.  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 one of them?

Buying auto insurance is not cheap.  It is, however, necessary, and in 48 states, it is the law.  Driving uninsured is a bad choice, as anyone who has ever been involved in a traffic altercation understands.   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.  The end result is that it could a financial nightmare.  You aren’t the only one at risk– the person you hit is as well.  Are you part of the many people who are driving without insurance?

Liability insurance, which is the commonly the purchase choice for persons having financial difficulty, ensures that if you cause an accident, the other person’s medical and vehicle repair expenses will be paid for.  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.  Today, many companies offer underinsured and uninsured protection to consumers as the number of uninsured drivers grows.

Many question the fairness of asking motorists responsible enough to buy auto insurance to take on the additional burden of uninsured insurance.  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.

Insurance checks, functioning much like sobriety checks, have become increasingly popular in many states since more and more people are choosing to risk driving without insurance.   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 is not only a horrible risk to you and to others, it is also illegal in many states.   Are you one of the 15% of drivers who are driving without insurance?   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.  Since the numbers rise annually so do the rates for insurance holders.   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: driving insurance

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