States Debate Uninsured Driver Laws

An estimated 14% of drivers nationally are uninsured, according to the Insurance Research Council.  It is a chronic problem that states have been unable to solve.  Most states have mandated at least liability coverage to pay for damage and injuries that the driver causes, but problems persist in compliance.  It appears that even the threat of fines does not persuade drivers to obtain coverage.

Some states are contemplating using databases to identify and remove the licenses of those who don't have insurance.  In November, Oklahoma became the third state to enact a law that lets police pull license plates from vehicles that don't have coverage.  The driver can reclaim the plate after obtaining car insurance.

Oklahoma's insurance commissioner, John Doak, says he has "yet to be in a room (for a speech) where there wasn't someone there who was hit or had a family member who was hit" by an uninsured driver.  Those who are hit by uninsured motorists may face large medical bills due to deductibles and out-of pocket costs to receive treatment.

California has had some success with a reduced cost policy for good drivers with low incomes, but only about 11,000 motorists are participating in the program. California estimates there are are three million uninsured motorists in the state.

In approximately eight states, police and other officials can get real time data to verify the existence of coverage.  Another tactic has been to adopt a "no pay, no play" law, under which uninsured drivers who are in accidents caused by insured drivers can't sue for pain and suffering.  However, critics suggest this takes away people's right to sue.  The issue continues to confound state officials, and victims of accidents caused by uninsured motorists continue to pay the price.

If you have been injured in a motor vehicle accident, you need to speak with an experienced personal injury attorney today.  Call The Law Office of Robert Paysinger at 303-279-0221 or visit our website at: www.paysingerlaw.com

Source:  The Wall Street Journal