Promising Data on Car Insurance Shows Good News for Everyone

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Andrew Koole
Updated on Jun 1, 2022 · 3 min read
There’s a positive change in car insurance for America that is easy to miss, but it’s good news for you. It might have gone under your radar, but more people have been getting
car insurance
. This means you’re less likely to have to make a claim through your
uninsured motorist coverage
Uninsured motorist coverage will protect you against
uninsured drivers
. Without it, you’d have to either sue the uninsured driver for costs or pay for the remainder of damages yourself. Here’s what you need to know about how the increase of insurance policyholders is beneficial for everyone.

Why is it better if more drivers are insured?

The most recent data from the
Insurance Information Institute
(III) shows that in 2015, 230 million vehicles were insured in the U.S., aside from Texas. This is an increase of around 5 million from 2014.
If the number of car insurance policies continues to rise every year, you’re less likely to need to make a claim through your uninsured motorist coverage. That’s not to say you shouldn’t add it to your policy, but like any insurance coverage, the less you need to use it, the better.
There are ways to save money on car insurance and you shouldn’t take the risk of driving without it.

What are the consequences of uninsured driving?

Car insurance is meant to cover you for the worst of times. It’s illegal to drive with no car insurance in
most states
, but it doesn’t stop some people from trying. In serious accidents, people who have been hurt have to worry about recovering medical costs from at-fault uninsured drivers.
Whether you cause an accident or suffer the consequences of someone else’s mistake, the right policy should keep you from having to pay for all the damages upfront.
Uninsured drivers make this more complicated than it has to be. In most states, the cost of damages in a car accident is covered by the insurance of the liable party involved. But uninsured drivers put a wrench in the gears of this system. When they cause accidents, their lack of a safety net leaves you with the bill.

How does uninsured motorist coverage protect you?

To help you plan for this unfortunate scenario, insurance companies offer uninsured motorist coverage. This
addition to your policy
allows you to make a claim when you’re not at fault in an accident, but the cost of damages can’t be paid for by the liable person involved.
Buying uninsured motorist coverage is a good idea, but making a claim isn’t always painless. Typically, if you want to cover the costs of bodily injury, you won’t have to pay a deductible. But you’ll need a deductible to pay for vehicle or property damages. That’s money out of your pocket for someone else’s mistake.
Not sure if you need uninsured motorist coverage?
can help you make the right choice. Jerry compares the price of all the bundles and coverage types offered by 45 top providers so you can decide based on the clearest picture possible.

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