Automobile insurance is unique in that it is one of the very few things in this country that is absolutely mandatory to have if you wish to drive. People make a big fuss about whether or not it is constitutional to foist mandatory health care on this country’s citizens but almost nobody complains when they’re forced to buy car insurance if they want to drive. This is because insurance allows us to have a bit more peace of mind out on the road. But the sad fact is that, though you’re supposed to have insurance when you’re out on the road, more and more drivers are going without insurance. This is more than just illegal; it’s downright dangerous.
If you get in a collision with an uninsured driver, you might end up having to pay for your damages on your own, right out of your pocket. This becomes an even more harrowing situation if you sustain physical injury. Luckily, cheap auto insurance companies offer what is known as “Uninsured Motorist Coverage.” This policy allows you to breathe a little easier if you get in an accident with an uninsured driver. There is also “Uninsured Motorist Property Damage” coverage. This works the same way but with property instead of physical damage. But again, it shouldn’t have to be this way. We shouldn’t have to pay a higher premium just because some bad apples don’t want to pay for insurance.
Still, at least there is some way to avoid the costs of getting in a wreck with an uninsured driver. For posterity’s sake, we should also take a look at the states in the country that have the lowest percentage of uninsured motorists. They are as follows: Maine, Vermont, Massachusetts, New York, and Nebraska. Maine only has a 4% rate of uninsured drivers, while Vermont’s number is 6%. Pretty healthy if you ask me. For the record, here are the states with the highest incidence of uninsured drivers: Mississippi, Alabama, California, New Mexico, and Arizona.
These states all hover around 25% uninsured drivers. That means that 1 out of 4 drivers are driving without insurance! Now you can draw your own conclusions as to why certain parts of the country have lower rates of uninsured motorists than others. Deciphering these facts isn’t the aim of this article. Besides, there are too many factors to take into consideration aside from the ones that seem glaringly obvious. More important, though, is the fact that now, more than ever, it is imperative that you consider some form of uninsured driver coverage.