For many people, mandatory car insurance feels like a burden. They have to pay hundreds of dollars per month in some cases for coverage that they expect to never need. After all, liability insurance generally only covers crashes when the policyholder is the party at fault for the incident.
Many people resent the obligation to pay for insurance, especially when they have very tight household budgets. Some people even choose to cancel their policies to save a little money. Others might unintentionally let their policies lapse because they fall behind on their payments.
Uninsured drivers put everyone at risk of having uncovered losses in the event of a motor vehicle collision. What are the chances that a driver at fault for a wreck in Arizona lacks proper insurance?
Most drivers comply with the law
Most licensed drivers in Arizona and elsewhere do their best to comply with state statutes. They follow traffic regulations and maintain the insurance coverage necessary to legally drive. They don’t want to pay a ticket for driving without insurance or risk having financial liability if they cause a collision.
However, there are enough motorists who violate insurance statutes to put everyone else at risk. According to insurance industry data looking at crash claims from 2022, approximately 11.9% of drivers in Arizona lack the mandatory insurance required by law.
Drivers need to be aware that there are many underinsured motorists on the road. Some people carry insurance coverage but only purchase what the state requires. If they cause a crash that totals a vehicle or puts someone in the hospital, the policy they carry may not be able to fully reimburse the other people involved in the wreck.
In scenarios involving a lack of insurance or insufficient coverage, the people involved in a crash may need to consider filing a personal injury lawsuit. Litigation may be one of the only options for recovering expenses following a wreck that results in significant financial expenses.
Individuals injured by those without insurance or with poor coverage may need help evaluating their options for covering collision expenses. Seeking legal guidance can help those who were in a collision with an underinsured driver understand the next steps they should take to get compensation for damages.
