Texas Uninsured Motorist Rate Remains Stable…or Does It?

According to a recent report from the IRC (Insurance Resource Council) about 15% of the drivers in Texas were still uninsured between 2007 and 2009. This is about a percentage point higher than the national average.

In 2008, a new program called TexasSure was launched, in order to establish a database connecting registered vehicles with active insurance policies, to help identify those vehicles which are not covered.

TexasSure says that the percentage of local vehicles that are not insured is actually 22% (about 4.28 million), a significantly higher number than IRC.

This discrepancy is caused by the method used for calculating the number of uninsured vehicles. IRC looks at the frequency of bodily injury claims as compared to the frequency of uninsured motorist claims, while TexasSure compares registration and policy records.

With the fine for a first uninsured motorist conviction being as much as $1,000 in some cases, the exact percentage of uninsured motorists in Texas – or anywhere – isn’t so crucial. What is vital is that everyone purchase some kind of automobile insurance before taking to the streets.

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