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How often do drivers without insurance cause crashes?

On Behalf of | Nov 10, 2023 | Personal Injury

Insurance coverage is one of many mandatory expenses associated with motor vehicle ownership. New Jersey state law requires that every driver carry liability coverage in case they cause a crash. Those involved in a wreck typically expect to file an insurance claim afterwards to recoup medical expenses and property damage costs.

However, occasionally people are sometimes involved in crashes caused by drivers without proper insurance. How likely is someone to end up in a crash caused by a driver without insurance in New Jersey?

Garden State drivers have a good record of compliance

Some people resent how expensive insurance is and may cancel their policies. They assume that they won’t get caught as long as they don’t cause a crash or get pulled over by a police officer. Others may fail to make payments to the insurance company and will then face the cancellation of their policies.

New Jersey technically has the lowest rate of uninsured drivers in the country based on data from 2019. Only 3.1% of drivers in the Garden State let their policies lapse. That is much lower than the 29.4% reported in Mississippi, which is the state with the highest percentage of uninsured drivers.

Essentially, the risk of an uninsured motorist causing a crash is lower in New Jersey than it is anywhere else in the United States. People still have a roughly one in 30 chance that the driver who causes their crash doesn’t have insurance coverage.

Those injured in a crash caused by someone without proper insurance may need to take the matter to civil court. Pursuing a personal injury lawsuit can help someone involved in a crash caused by an uninsured driver obtain the financial compensation they need.

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