Uninsured South Carolina Drivers Contribute to High Auto Insurance Rates

Hands on steering wheelAbout one in every 10 drivers in South Carolina does not have auto insurance, said a report.

Uninsured motorists can create problems for drivers who are insured because they force rate hikes that apply across the board, reported CBS news affiliate WLTX of Columbia, South Carolina. The number of uninsured drivers in the state has improved drastically in recent years, climbing up from one of the worst percentages in the country before 2007, said insurance agent Larry Lucas.

Back then, about 28 percent of drivers in the state were uninsured, he said. The state then implemented a new insurance reporting system, which made every driver accountable and dropped the uninsured rate by 13 percent, according to Lucas.

The new system requires that drivers in an accident prove that they have a valid South Carolina auto insurance policy, regardless of whether or not they were at fault. Uninsured motorists can then be ticketed for driving a motor vehicle without insurance.

That system was put into effect when an uninsured waitress collided with Columbia Mayor-Elect Steve Benjamin in April. The waitress was subsequently ticketed.

The Insurance Research Council predicts that the rate of uninsured drivers will reach 16 percent nationally in 2010, according to National Public Radio.

About John Pirro
John Pirro is a licensed fire and casualty insurance agent specializing in various aspects of the auto insurance industry. He worked in the auto body repair industry before taking a reporting position at Online Auto Insurance News.

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