Drivers who are either uninsured or severely under insured cause a lot of problems. They are problematic for car insurance companies, of course — that almost goes without saying. But what the average consumer may not realize is that they are also a problem for drivers who do have insurance. The number of uninsured drivers in each state varies greatly; for example, in New Mexico, an astonishing twenty nine percent of all drivers are uninsured, while only one percent of the drivers in Massachusetts are uninsured. In theory, the latter sounds good, but the sheer number of uninsured drivers in the United States alone is not only staggering but scary — and the numbers are rising at an alarming rate, due to the still somewhat unstable state of the economy.
So what harm do these uninsured drivers pose? And what is being done about this problem?