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Stuck In Traffic? 
Avoid Every Eighth Driver Like the Plague! He’s NOT Insured!

It’s true: Statistically, 12.6 percent of drivers are uninsured. That’s about one of every eight motorists. That’s not a problem for them, but it certainly can be a huge problem for you — if one of those uninsured drivers happens to run into you, resulting in bodily injury and damage to your vehicle.

As is true with politics these days, how it all settles out has to do with the states, and whether or not you live in a state that is friendly to victims of uninsured motorists. Basically, if you live in a no-fault state, drivers rely on their own insurance companies to settle claims in the event of an accident with an uninsured driver — regardless of whose fault it is. However, in tort states, insurance companies determine payment of damages depending upon who was at fault in the accident. The offending party pays for their damages, and for yours as well.


It sounds simple enough, right? Not quite: If you live in a tort state, coverage and amounts vary widely. Those that do offer such coverage, the amounts and requirements span the spectrum. So, should you be the victim in an accident where the offending motorist is uninsured (and, as we pointed out, there’s a one-in-eight chance that this will be the case), you could be looking at some serious expenses if you’re not adequately insured.

Having an accident with an uninsured driver in a tort state typically means that, while your insurance company will pay for some of your expenses, in order for you to be fully compensated for damages and bodily harm (including encumbrances such as lost wages due to time away from your work), you’ll have to sue the offending driver and possibly go to court for a resolution. This can take years, take a toll on your finances, and be incredibly stressful. And, in the end, there is no guarantee that the person who hit you will ever pay in full, if at all.

What can you do to ensure that you have the necessary coverage should you have an accident with an uninsured driver? It’s a simple matter of reviewing the coverage you currently have with your insurance company. Protecting yourself and your family in the event of an accident with an uninsured driver can be as simple as contacting your insurance agent and asking about uninsured motorist insurance. The added costs are negligible, but the peace of mind that it brings will be priceless.