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Insurance is something we all need and must have by law, Liability Auto Insurance is mandatory in every state except for New Hampshire, That doesn't stop people from driving without insurance, however. According to A 2014 study by the Insurance Information Institute, 12.6 percent of American drivers had no Insurance in 2012. This means that if you get into an accident, there about 1 in 8 chance it will be with an uninsured driver. What does this mean to you, and what are the worst states for uninsured drivers ?                                                                                                                                                                                        Which States Have the Most Uninsured Motorists ?  Here's the list of states with the highest percentage of uninsured motorists in 2012 , according to the Insurance Research Council.  1. Oklahoma : 25.9% - 2. Florida: 23.8% - 3. Mississippi: 22.9% - 4. New Mexico: 21.6% - 5. Michigan: 21% - 6. Tennessee:21% - 7.Alabama: 19.6% -8. Rhode Island: 17% - 9. Colorado: 16.2% - 10. Washington: 16.1% States are cracking down on driving without Insurance. Many are implementing Electronic Insurance Verification, a system in which a third party company compares car insurers' records to motor vehicle registrations to find out who's uninsured. While the percentage of uninsured drivers has crept down over the years, the national annual total for bodily injury claims involving uninsured motorists rose 75% from 2003 to 2012 , $2.6 billion. Guess who's paying for all those claims in the end? Insured Texans pay $1 billion in optional coverage annually to defend themselves against uninsured motorists. I like to know what you think should the one who have Insurance Pay more , because some choose not to have Insurance . Or should the law have tougher penalty for not having Insurance.
Posted 2:23 PM

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