MENU
SEARCHMALVERN, PA - Across the United States, chances are roughly one in seven that a driver is uninsured, according to new estimates from the Insurance Research Council (IRC).
MALVERN, PA - Across the United States, chances are roughly one in seven that a driver is uninsured, according to new estimates from the Insurance Research Council (IRC).
The estimated percentage of uninsured motorists declined four straight years before rising to 14.3 percent in 2008 and dropping to 13.8 percent in 2009. The economic downturn is thought to be a major factor in the brief increase.
In 2009, the five states with the highest uninsured driver estimates were Mississippi (28 percent), New Mexico (26 percent), Tennessee (24 percent), Oklahoma (24 percent), and Florida (24 percent). The five states with the lowest uninsured driver estimates were Massachusetts (4.5 percent), Maine (4.5 percent), New York (5 percent), Pennsylvania (7 percent), and Vermont (7 percent).
“The leveling trend in the percentage of uninsured motorists is an unfortunate consequence of the economic downturn and illustrates how virtually everyone is affected by recent economic developments," said Elizabeth A. Sprinkel, senior vice president of the IRC. “Despite laws in many states requiring drivers to maintain insurance, about one in seven motorists remain uninsured. This forces responsible drivers who carry insurance to bear the burden of paying for injuries caused by drivers who carry no insurance at all.”
In a new study, Uninsured Motorists, 2011 Edition, IRC estimates the percentage of uninsured drivers countrywide and in individual states for 2008 and 2009. The IRC estimates are based on the ratio of uninsured motorist (UM) insurance claim frequency to bodily injury (BI) claim frequency. UM claims are made by individuals who are injured in accidents caused by uninsured drivers. BI claims are made by individuals injured in accidents caused by insured drivers. The magnitude of the uninsured motorist problem varies from state to state.
In a previous report, the IRC anticipated a trend reversal in the countrywide estimate of the percentage of uninsured motorists, citing a strong historical relationship between the national unemployment rate and the national UM to BI ratio. The strength of the historical relationship appears to have diminished slightly with the inclusion of more recent data. Several possible reasons for this are discussed in the report.
The IRC study examines data collected from nine insurers, representing approximately 50 percent of the private passenger auto insurance market in the U.S.
Distracted driving remains one of the most persistent risks in fleet operations. New approaches focus on removing mobile device use entirely while adding real-time safety support.
Read More →
As distraction risks evolve, fleets are turning to smarter, more connected technologies to better understand what’s happening behind the wheel. Part 2 explores how these tools are helping identify risky behaviors and improve visibility across operations.
Read More →
What fleets capture to improve safety can also expose them in litigation, forcing leaders to rethink how data is managed, stored, and shared.
Read More →
Distracted driving is often measured by what we can see—phones in hand, eyes off the road. But what about the distractions we can’t? A recent incident raises a bigger question about awareness, attention, and why subtle risks so often go unnoticed.
Read More →
While serious crashes are declining, a rise in minor incidents and ongoing risk hotspots underscore the need for continued fleet safety investment.
Read More →
Fleets have more driver data than ever, so why isn't behavior changing? Training requires more than reports and coaching — it requires real-world practice.
Read More →
A two-part conversation with Stefan Heck on how AI is transforming the fight against distracted driving. As fleets adopt smarter tools, the focus shifts from reacting to preventing risk. In Part 1, we look at where AI is making an impact for fleets today.
Read More →
More people on foot means more risk for drivers. These pedestrian safety tips can help prevent serious injuries and keep everyone safer on the road.
Read More →
Fleet managers are under pressure to reduce accidents, control costs, and improve operational efficiency. See how advanced vehicle safety technologies are helping fleets operate smarter and safer.
Read More →
An 11% drop in pedestrian fatalities in early 2025 signals progress in U.S. road safety, but elevated death rates and ongoing risks underscore the need for continued action from fleets and policymakers.
Read More →
