As we all know, driving is a vital part of our everyday life, yet some people will take the risk of driving around without insurance. A study conducted by The Insurance Research Council found that approximately 14% of all drivers in the state of California are uninsured. Many motorists simply can not afford to insure their cars or have ignored California law. This truly has become a major probelm in Los Angeles as well as other cities in California. Since 2008 car insurance rates have been rising steadily and so has the number of uninsured motorists.
The DMV recommends that drivers get uninsured driver and uninsured motorist coverage from their insurance carriers. The rates for uninsured motorist coverage are not that high, annually, compared with liability coverage rates. Note, The DMV imposes penalties on motorists who choose to drive without auto insurance. If you’ve been involved in an accident with an uninsured driver, then the fact is you have little to no recourse unless you have uninsured motorist coverage. You can try to sue that person that caused the accident, but you probably will not get much because if they were not able to afford or pay for insurance they probably don’t have enough assets to recover from.
FACT is if you get into an accident without insurance in Los Angeles, you may face fines and/or penalties from law enforcement. You leave yourself open to lawsuits, you will probably have your car impounded, and you may have your license suspended. It is not worth driving without insurance, or having only liability insurance which doesn’t cover being hit by an uninsured motorist.
Estimated Percentage Of Uninsured Motorists, 1992-2015