Insured Motorists Pay More

To put it in a nutshell, those that have car insurance are paying for those that don’t. Drivers that do not have valid car insurance polices are causing an increase in the premiums of those that do.

When motorists are involved in an accident, someone needs to pay for the damages. If you have car insurance, that would be your car insurance company. However, if you don’t have car insurance, then the other person’s auto insurance kicks in.

With underinsured or uninsured motorists driving around and getting in accidents, someone is responsible for those payments. If they have the money, obviously they pay for the repairs. But if they don’t have car insurance than your auto insurance company is going to have to pay for your repairs and then go after the other person to try and get the money.

This leads to an increase in what are usually already high premiums. Somewhere down the line, someone is going to have to pay for the money that goes out, and it isn’t going to be the auto insurance company. They simply pass that expense onto those that have insurance.




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