More than 29 Million Drivers and Car Owners Continue to Drive Without Insurance

Records from the National Highway Traffic Safety Administration (NHTSA) show that from 1981 to 2007, fatal car crashes in the U.S. averaged to 44,000 annually; from 2008 to 2015 the average rate went down to 33,000, thanks to the modern safety devices vehicles have been equipped with as well as to the stricter implementation of road safety rules.

The NHTSA believes that vehicles are more crashworthy or safer than these have ever been. But though more crashworthy, fatalities still number to more than 30,000, while injuries, to at least two million. More disturbing than statistical data on fatalities and injuries, however, is the number of individuals and families left alone to suffer the painful economic and non-economic effects of motor vehicle accidents all because the drivers at fault in the accidents are uninsured.

Carrying auto liability insurance is mandatory in the United States. It was actually made compulsory in 1925 with Connecticut and Massachusetts being the first states to mandate it on all their drivers. Even way back then, automobiles already crashed and caused injuries and deaths; people, back then, also saw that cars will continue to crash, injuring people and damaging properties in the process. The problem, however, was not that vehicles crashed or collided with each other, but that injured innocent victims were left to suffer physically and financially because drivers at fault did not have the financial capability to pay them for their damages and losses.

Today, with more than 29 million drivers and car owners who continue to drive despite not having insurance, victims not being compensated is not a remote possibility. Due to this, according to the website of Schuler, Halvorson, Weisser, Zoeller and Overbeck, P.A., besides the required coverage for bodily injury and property damage, there are a number of states which also require drivers to have uninsured and underinsured motorist coverage to have protection in accidents wherein the at fault driver is either uninsured or underinsured, meaning drivers whose policy limit is not enough to pay the total amount of losses suffered by the victim.

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