Despite the fact that most states require motorists to have insurance on their cars (in fact, this goes for all states except for New Hampshire), there are still many uninsured drivers on the road. In fact, according to a research study from the Insurance Research Council, approximately 1 in 7 drivers are driving without even so much as basic coverage. The research study also suggested that over the last few years, the uninsured motorist rate has increased because of the struggling economy. Many are trying to test the law more to avoid monthly premiums because of tough economic times. However, those who are properly insured may experience serious consequences because of this increase in uninsured and uninsured drivers.
Having to go through court
Getting into an accident with an uninsured driver may be particularly problematic. In fact, if the uninsured driver is at fault and you do not have uninsured motorist coverage, you will have to go through court in order to get compensation for your damages. Even if you go through court, have a lawyer represent you, and win a claim, the uninsured driver may not have the funds to cover your expenses.