Nearly every state has laws requiring auto insurance. In Georgia, drivers must have the following minimum coverage:


  • $25,000 for bodily injury/death of one person in one accident

  • $50,000 for bodily injury/death of two or more persons in any accident; there is a $25,000 per person limit

  • $25,000 for bodily injury or property damage to others


However, a recent study by the Insurance Research Council estimated that 13.8% or about one in seven drivers in the United States is uninsured. The numbers are a little higher in Georgia; 16% or one in six Georgia drivers has no insurance.


Mississippi has the highest rate of uninsured drivers at 28%.


Why are so many drivers uninsured? The average cost of insurance in the U.S. in $789 a year. The economic downturn has left many families struggling to make ends meet. When it is hard to provide basic needs, it is easy for financially-pressed Americans to allow their insurance to lapse. In fact, over the past 20 years, the number of uninsured drivers has been closely correlated with unemployment rates.


What does this mean for those of us who have insurance? We pay higher rates because our uninsured motorist coverage must make up for uninsured drivers.


What can you do if you are injured by an uninsured driver in a Georgia traffic accident? Contact Atlanta car crash attorney Shane Smith at 770-HURT-999.

Shane Smith
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