In most states, motorists need auto insurance coverage because it provides liability protection. This protection pays for accidental damages and injuries. It’s definitely an important benefit to having auto insurance. But among American’s 4 million uninsured motor vehicles, there are noxious drivers who could be sued by their insurance company for a major crash.
Motorist vs. Automobiles
America’s Top Uninsured Motorists
Americans who drive without insurance are risking their lives and the lives of others. According to the National Highway Traffic Safety Administration, uninsured motorists are four times more likely to be involved in a crash than those with coverage. In addition, data from the Property Casualty Insurers Association of America shows that uninsured drivers are more likely to cause crashes that result in injury or death.
The top 10 states with the highest numbers of uninsured motorists are California (2nd), Texas (3rd), Florida (4th), New York (5th), Illinois (6th), Pennsylvania (7th), Arizona (8th), Georgia (9th) and Missouri (10th). Each of these states has a population greater than 10 million citizens. Nationwide, 26 percent of all motor vehicle crashes occur in states without an individual mandate requiring driver’s insurance.
Who is at Fault for an Accident?
Statistics show that the majority of motor vehicle accidents are the result of driver error. This is most likely due to the fact that many people do not practice safe driving habits. The most common causes of driver error are:
- Driving while impaired by alcohol or drugs
- Failing to use proper gear and braking techniques
- Racing other drivers
- Texting and driving
One of the most important things a person can do when they are arrested is ascertain if they have an insurance policy. If a driver has no motor vehicle insurance, they are subject to arrest, detention and a fine. In many cases this could mean significant legal problems down the road. Unfortunately, there are still uninsured drivers on the roadways in America. Some of these drivers may be extremely dangerous and driving without car insurance puts other drivers at risk.
To determine which insured motorists are among the most dangerous in America, The Insurance Research Institute (IRI) polled its subscribers about their experience with uninsured drivers over a twelve month period from January 2018 to December 2018. Uninsured motorists who caused fatal accidents accounted for 27% of all claims filed during that time period while those who caused non-fatal accidents made up another 49%. These figures indicate that uninsured motorists represent a high-risk category and should be avoided at all costs.
Drivers without car insurance also tend to violate traffic laws more than those with coverage. For example, uninsured motorists were three times more likely than those with automobile insurance to have been cited for driving without proof of insurance or seat belts. This highlights one of the risks associated with not having auto coverage: being pulled over by police officers who may issue fines and/or take your driver’s license away if you cannot prove you are legally driving a motor vehicle.
Approximately one in five drivers on the road is uninsured, leaving them and others at risk for uninsured motorist claims. Uninsured motorists are more likely to commit traffic violations and have worse driving records than those who carry insurance. That’s because an uninsured motorist is typically not held financially responsible for accidents that occur while driving without coverage.
That’s why it’s so important that you’re familiar with the most dangerous uninsured motorists in America. Here are five of the worst:
- Jerry Herman — Herman is notorious for his involvement in auto accidents involving fatalities. He has been convicted of vehicular homicide and reckless driving more than 10 times, according to reports.
- Randy Rehm – Rehm has beeninvolved in morethan 30 car crashes in which someone was killed or injured, making him one of the deadliest uninsured drivers in America. He has also beenconvicted of fraudulent use of a vehicle and theft over $200.
- Terrance Masterson – Masterson has been involved in at least 25 accidents that resultedin injuries or fatalities, making him one of the most menacinguninsured drivers out there. Hehas also been charged with DWI three times and has had multiple run-ins with law enforcement agencies.
- James Ruocco – Ruocco is knownfor crashing his car into pedestrians, cyclists, and other vehicles Multiple times whiledriving without insurance – including two incidents where he hitand killed people while driving.
It’s no secret that the number of uninsured motorists in America is on the rise. In fact, a study published by Forbes earlier this year found that out of all drivers in America, uninsured motorists are involved in more than 25% of all accidents. This is not only dangerous for you and your passengers, but also costly for insurers who have to pay out on these accidents far more often than insured motorists. If you’re an uninsured driver, or know someone who is, be sure to avoid these five dangerous drivers.
From the popular blog all about car insurance, here are the Top 5 Uninsured Motorists’ Dangerous Drivers in America:
If you’re a driver with an at-fault accident, you may be interested in knowing which states have the most uninsured motorists. According to a study by Insure.com , here are the top five states with the most uninsured drivers:
1) Rhode Island
According to the latest data from the Insurance Research Council, 1 in 3 drivers at fault in a collision are uninsured. The top 5 states with the highest rates of uninsured motorists are Florida (36%), Texas (34%), New York (33%), California (32%) and Arizona (31%).
Uninsured motorists are four times more likely than those who have insurance to be involved in a fatal crash. They’re also five times more likely to be involved in a serious collision that requires hospitalization.
One reason for this high rate of involvement in accidents by uninsured motorists is that they often don’t carry insurance on their vehicles. In fact, 55% of uninsured motorcyclists and 48% of uninsured drivers do not have liability insurance on their vehicles.
In addition, many uninsured drivers don’t bother to get driver’s licenses or proof of insurance even though it is required by law in most states. This is particularly common among young drivers, who are more likely than older drivers to not have adequate insurance coverage.