Most states require drivers to carry auto insurance. But over the past decade the number of uninsured motorists has stayed pretty much unchanged at about one in seven drivers. And in Ohio that number is just under 13%.

Why do so many drivers refuse to buy car insurance?

To start with, it’s difficult and costly to track down violators of insurance laws and some driver’s just can’t afford it. But others simply don’t want to pay the high premiums that result from poor driving records.

Unless the chances of getting caught increase or result in penalties that outweigh the costs, there will always be drivers that ignore the law.

So what does this mean to you, a driver with car insurance?

Although unlikely, accidents will happen (industry experts estimate you’ll file a collision claim about once every 17.9 years).

If the accident is your fault, your auto insurance will cover the damages you caused, and your no-fault coverage should provide for your medical expenses.

But if the other driver is to blame. And if that driver is also uninsured it may be difficult to get any compensation without involving lawyers.

In some states, no-fault coverage will pay for your injuries and lost wages up to the policy limit. But you can most likely forget about pain and suffering and medical costs beyond those limits.

In either case it’s important to make sure you and your family are protected against uninsured drivers. And it’s too late to think about after accident has already happened.

How do I know if my auto insurance policy protects me or not?

The information we’ve shared above is a very general overview of how insurance policies handle accidents involving uninsured motorist. And the exact terminology and coverage may vary by State and by insurance company.

The best thing you can do is to actually read your policy to understand the exact coverage that would apply if you’re involved in an accident with a driver that’s not insured.

Or if reading all that fine print is not your speed, your insurance agent should be able to explain the coverage you have.

And If that doesn’t work, you can always give us a call and we’ll help you review and understand your policy for free.