Los Angeles has the least car insurance coverage in the country. As long as you're not at fault for the accident, your insurance policy coverage for uninsured drivers will cover the cost of medical bills, repairs, fees and other expenses in the event that you have an accident with an uninsured driver. Twenty states and the District of Columbia have mandatory requirements for coverage for uninsured and underinsured drivers. The IRC measures the number of uninsured drivers based on insurance claims, using a relationship between insurance claims filed by people who were injured at the hands of uninsured drivers and claims filed by people injured by insured drivers.
Uninsured motorists cost insured drivers more money, offering higher premiums, mandatory additional coverage, such as protection for uninsured or underinsured drivers, and even medical or repair bills, which can be costly. Coverage for uninsured or underinsured drivers reimburses policyholders in the event of an accident involving an uninsured, underinsured, or fleeing driver. As legislation continues to boost auto insurance coverage for motorists across the country, researchers expect to see a continued decline in the number of uninsured drivers in the U.S. UU.
The percentage of uninsured drivers, measured by the relationship between uninsured motorist (UM) claims and the frequency of bodily injury (BI) claims. However, there are significant changes in insurance coverage when you consider the rate of uninsured drivers by state. Meanwhile, protecting against uninsured drivers involves buying an auto insurance policy with the right coverage you need for your state. Let's look at some statistics on uninsured drivers to see how much they cost insured drivers, the percentage of uninsured drivers by state, and how uninsured driving has changed in recent years.
This type of insurance covers damage to your vehicle and other belongings if you have an accident with an uninsured driver. The average national rate of uninsured motorists is 12.6 percent, but 21 states and the District of Columbia have a higher rate than the national average. Rules that prohibit paying and not playing limit the right of uninsured drivers to sue for certain types of damages after an accident. New Jersey, Massachusetts and New York had the lowest percentages of uninsured drivers, at 3.1%, 3.5%, and 4.1%, respectively.
Coverage for uninsured or underinsured drivers is not available in the basic policy, but the standard policy requires coverage for uninsured or underinsured drivers. More than half of the states have passed laws and have begun to develop and implement online auto insurance verification systems to identify uninsured motorists.