A new study indicates that 20% of Florida drivers are on the road without insurance, the sixth highest rate of uninsured drivers in the country. The Insurance Research Group calculated the rates of uninsured drivers by comparing the rates of liability insurance claims with those of uninsured drivers in the United States. Drivers who have accidents with uninsured drivers may end up absorbing at least part of the cost of the accident, even if it wasn't their fault. For example, in Florida, those who provide the necessary documents within five days of being caught driving without insurance can avoid having their license and registration suspended.
However, there are types of car insurance coverage that can protect you in the event of an accident with an uninsured driver. In addition, if you get into an accident while driving without insurance, you may be sued for damage to the other driver's vehicle or for your medical bills. In states where you don't pay or play, uninsured drivers have a limit on the type of compensation they can receive if they have an accident with another driver who is proven to be at fault. Many uninsured drivers live in poverty, and some drivers in places like Detroit find that the cost of car insurance represents between 12 and 36% of their pre-tax income.
Mississippi has more uninsured drivers than any other state, with an estimated 29.4% of drivers driving without insurance. This is a common problem when the at-fault driver only purchased the minimum levels of state liability coverage. Percentage of uninsured drivers, measured by the relationship between uninsured driver (UM) claims and the frequency of bodily injury (BI) claims. While some type of car insurance is required in almost every state, a significant percentage of drivers are still uninsured, approximately 13% nationally, according to recent data.
This coverage can be useful if you are hit by a driver who has only purchased the minimum levels of car insurance required by the state. Your liability coverage covers damage you cause to another person or their car, so it's important to have enough insurance to pay the other driver's expenses in case you're at fault in an accident. Purchasing coverage for uninsured drivers is often optional, but all of the states listed below require drivers to have a minimum amount of universal health insurance coverage. Coverage for uninsured or underinsured drivers reimburses policyholders in the event of an accident involving an uninsured, underinsured, or fleeing driver.
