Pin It

uninsured motorist accident claims | UNINSURED MOTORIST STATS

There is a large number of uninsured and under-insured motorists in the USA. The percentage of these motorists has been steadily declining since 1992 as shown in the table below. This data was collected by the insurance research council. By 2012 the number had declined to 1 in 8 motorists or 12.6%.

Estimated percentages of uninsured motorist 1992 to 2012

Year Percentage
1992 15.6%
1993 16.0%
1994 15.1%
1995 14.2%
1996 13.8%
1997 13.2%
1998 13.0%
1999 12.8%
2000 13.4%
2001 14.2%
2002 14.5%
2003 14.9%
2004 14.6%
2005 14.6%
2006 14.3%
2007 13.8%
2008 14.3%
2009 13.8%
2010 12.3%
2011 12.2%
2012 12.6%

The main reason in this decline is the rigorous enforcement of the law. Law enforcers have been implementing the law by conducting regular checks when motorists are pulled over. This has caused the reduction of the number of uninsured motorist who have expired or invalid insurance coverage. Widiss (1967).

Another reason is the raising of awareness of the public by the NHTSA (National Highway Transport Safety Authority). The public has been made aware of road accidents and the extra liabilities incurred by having accidents with uninsured or underinsured road users. There have been awareness campaigns held in high schools which contain the bulk of uninsured motorists. There have also been online campaigns on Twitter, YouTube, and Facebook on various road safety precautions including ensuring insurance is adequate.
The above figures represent average figures across all the states.

The table below shows the percentage of uninsured motorists in all the states in 2012.
Estimated Percentage of Uninsured Motorists by State, 2012 (1)

Missouri 13.5 18
Connecticut 8.0 41 New York 5.3 49
Louisiana 13.9 16 Utah 5.8 48
D.C. 11.9 24 North Dakota 5.9 47
Idaho 6.7 45 Pennsylvania 6.5 46
Alaska 13.2 21 Nebraska 6.7 44
Indiana 14.2 14 South Carolina 7.7 43
Iowa 9.7 32 South Dakota 7.8 42
Michigan 21.0 5 West Virginia 8.4 40
Maine 4.7 50 Vermont 8.5 39
Mississippi 22.9 3 Wyoming 8.7 38
Hawaii 8.9 37 Oregon 9.0 36
Delaware 11.5 27 North Carolina 9.1 35
Arkansa 15.9 11 New Hampshire 9.3 34
Maryland 12.2 22 Virginia 10.1 31
California 14.7 13 New Jersey 10.3 30
Minnesota 10.8 28 Wisconsin 11.7 25
Arizona 10.6 29 Nevada 12.2 23
Kentucky 15.8 12 Texas 13.3 19
Florida (3) 23.8 2 Ohio 13.5 17
Alabama 19.6% 7 Montana 14.1% 15
Massachusetts 3.9 51 Washington 16.1 10
Illinois 13.3 20 Rhode Island 17.0 8
Kansas 9.4 33 Tennessee 20.1 6
Colorado 16.2 9 New Mexico 21.6 4
Georgia 11.7 26 Oklahoma 25.9 1

Oklahoma State has the highest rate at 25.9 while Massachusetts has the lowest rate at 3.9%

References
1. By Estimated Percentage of Uninsured Motorists, 2012 (1). (2016). Uninsured Motorists. Retrieved October 16, 2016, from http://www.iii.org/fact-statistic/uninsured-motorists

Be Sociable, Share!