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Insure against uninsured and underinsured drivers



  Underinsured drivers With permission from iii.org

One in eight drivers on American roads was without car insurance in 2019, according to a report released today by the Insurance Research Council (IRC).

Driver drivers who do not meet state insurance requirements increase the insurance costs for everyone else. Insured drivers paid more than $ 13 billion in 2016 (approximately $ 78 per insured vehicle) for protection against faulty drivers who have insufficient coverage for medical costs and property damage they cause to others.

"Keeping car insurance affordable is more difficult when a significant number of drivers refuse to bear their fair share of the costs," said David Corum, vice president of IRC.

While nationwide uninsured motorist speeds were 1

2.6 percent in 2019, these prices significantly between states, ranging from 3.1 percent in New Jersey to 29.4 percent in Mississippi.

Although the uninsured motorist increased only 1.2 percentage points nationwide from 2015-2019, several states experienced more significant increases, including Washington (6.9 percentage points), Rhode Island (6.8 percentage points) and Mississippi (6.4 percentage points) Other states experienced declines in uninsured car prices, including Michigan (10.1 percentage points) and Delaware (2.9 percentage points)

IRC Report, Uninsured motorists, 2021 edition examines data collected from 11 insurance companies 60 percent of the private car insurance market for passengers 2019. For For more information about the study's method and results, contact David Corum at (484) 831-9046, or by email at IRC@TheInstitutes.org. For more information on the report, visit the IRC website at www.insurance-research.org.


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