California residents who don’t have car insurance could create a variety of negative consequences for those who do. For instance, if a person without insurance gets into an accident, a driver who has insurance may have to make a claim on his or her own policy. There is no guarantee that the insurance company will pay the claim unless a driver has collision coverage.
In Florida, 27 percent of drivers don’t have auto insurance, which is among the highest in the country. The cost to drivers who have coverage is $12 billion according to the Insurance Research Council. That figure doesn’t take into account other costs that taxpayers could be responsible for. IRC data also shows that the percentage of uninsured drivers around the country is going up. In 2011, 12 percent of drivers had no insurance compared to 13 percent and rising today.
In some cases, individuals will buy insurance and pay the premium for a limited period of time before allowing their policy to lapse. In Oklahoma, authorities are allowed to remove the tags from any vehicle that is operated without proper coverage. The average driver paid an average of more than $900 annually for car insurance in 2014, and uninsured drivers added $67 to their bills.
Those who are involved in a motor vehicle accident may wish to consult with Costa Mesa auto accident injury lawyers. This may be a good idea even if a person believes that his or her injuries were minor. An attorney may be able to help individuals better understand their rights after an accident and discuss ways to pursue compensation, especially if the driver who caused the crash was underinsured or had no insurance at all.