There are over 30 million uninsured drivers currently in the United States. Due to accidents caused involving uninsured drivers, the White House is moving to solve the problems caused by uninsured drivers.
Accidents due to uninsured drivers are costing $2.6 billion in total uninsured motorist claims, and there are a number of solutions being proposed in the legislative branch to resolve them.
The Harder Approach: Penalizing Uninsured Drivers
In Missouri, as well as other states, moves are being made to insure that innocent uninsured drivers cannot sue in court if they are injured. This means that if you don’t have insurance and you are not at fault, you will not be able to sue for damages at all.
The laws are designed primarily around reducing the total cost of uninsured motorist claims, but if you’re injured in an accident to an insured driver, you’re at an immediate disadvantage.
Overseas, there are places where enforcement of uninsured drivers is much stricter. In England, the police have cracked down on uninsured drivers by seizing their vehicles. Among the vehicles that have been seized is a Lamborghini Aventador worth £400,000.
The Softer Approach: Helping Uninsured Drivers Get Insured
In California, as well as states who are following their lead, the approach is very different. California has has introduced legislation to make automobile insurance affordable for everyone.
Because many people who don’t have insurance simply can’t afford it, this is good news for those who either lost automobile insurance do to its cost or haven’t insured their vehicle due to the high costs of insurance. While reducing the total cost of claims nationwide, it also helps drivers who know the importance of having insurance while not being able to afford it.
The Importance of Getting Insured: For Uninsured Drivers
While the reality of the costs of uninsured motorist claims is being dealt with on both sides of the legislative arena with different– but complimentary– approaches, the simple truth is that if you’re on the road without insurance right now, you could be seconds away from a life-changing injury for which you may not be prepared.
It’s important for uninsured drivers to find the most affordable and practical way to insure their vehicle in short order, regardless of where they live. It’s no longer about the insured driver getting hurt in the accident– it’s about being prepared for every eventuality.