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LA Uninsured Motorists 13% - Mississippi says "Hold My Beer"
Posted on 9/30/22 at 10:47 am
Posted on 9/30/22 at 10:47 am
quote:
Though some form of car insurance is required in nearly every state, a significant percentage of drivers still don't have insurance — approximately 13% nationally according to recent data.
Depending on the state, this rate can be as high as 29.4% in Mississippi — or as low as 3.1% in New Jersey. Nearly 230 million drivers carry car insurance in the U.S., meaning there are approximately 29 million uninsured drivers on the road.
https://www.valuepenguin.com/auto-insurance/uninsured-motorist-statistics
The penalty for not having insurance in Mississippi?
quote:
Mississippi - $500 and license suspension for one year or until proof of insurance is provided
quote:
Among all states, Mississippi has the highest percentage of uninsured drivers at 29.4%. It is followed by Michigan (25.5%), Tennessee (23.7%), New Mexico (21.8%), and Washington (21.7%). Overall, 22 states posted numbers above the national average, including Florida, Alabama, Arkansas, and California.
18
Posted on 9/30/22 at 10:49 am to Shexter
quote:
meaning there are approximately 29 million uninsured drivers on the road.
meaning you are paying for the uninsured.
This post was edited on 9/30/22 at 10:50 am
Posted on 9/30/22 at 10:51 am to Shexter
quote:
- $500 fine
$500 insurance for a year? seems pretty cheap and
quote:
license suspension for one year or until proof of insurance is provided
so take out insurance, get the card emailed to you, print it out, show up for court, get license back, cancel insurance the next day. Leave printed card in glovebox and hope cops are lazy and don't verify it.
PROFIT
This post was edited on 9/30/22 at 10:57 am
Posted on 9/30/22 at 10:52 am to Shexter
Could easily be fixed if they required proof when you purchase your car tag. Hell in the county I live if you are not current on your garbage bill you can't purchase your tag.
Also, interesting:
Most states require proof of insurance or financial responsibility in order to register your vehicle and get your tags, but seven states do not require it for registration. Those states are Arizona, Mississippi, New Hampshire, North Dakota, Tennessee, Washington and Wisconsin
Also, interesting:
Most states require proof of insurance or financial responsibility in order to register your vehicle and get your tags, but seven states do not require it for registration. Those states are Arizona, Mississippi, New Hampshire, North Dakota, Tennessee, Washington and Wisconsin
Posted on 9/30/22 at 10:56 am to Shexter
Haven’t made a single car insurance claim in the 16 years I’ve been driving
Posted on 9/30/22 at 10:57 am to Shexter
quote:
29.4% in Mississippi
Posted on 9/30/22 at 10:58 am to TheWalrus
quote:you never have a rock bust your window?
Haven’t made a single car insurance claim in the 16 years I’ve been driving
Posted on 9/30/22 at 11:10 am to Shexter
And they also happen to be the worst drivers so that % is felt even more so.
I wish a law would be passed that required prison time for people who refuse to carry car insurance.
I wish a law would be passed that required prison time for people who refuse to carry car insurance.
Posted on 9/30/22 at 11:13 am to Shexter
I think the more accurate number in Mississippi is somewhere around 40%.
Posted on 9/30/22 at 11:39 am to jcaz
quote:
I wish a law would be passed that required prison time for people who refuse to carry car insurance.
Wish auto insurance policies were written in a way that the amount of coverage you carry is the maximum amount you can recover in the event of an accident. I've had 4 accidents in my life, the 3 where I had no fault either had minimum coverage or were specifically excluded. so the max I was able to get before hitting my policy was $10/15k; where as, if I had been at fault they could have gone for $250k+ (don't recall what my coverages are)
Posted on 9/30/22 at 11:41 am to corndawg85
quote:
Could easily be fixed if they required proof when you purchase your car tag.
Whats a ‘car tag’?
Posted on 9/30/22 at 11:41 am to CAD703X
quote:
you never have a rock bust your window?
Annual event in LA, but $500 replacement cost out of pocket is cheaper than the deductible PLUS the jacking up of rates for comp claims
Posted on 9/30/22 at 11:43 am to Weekend Warrior79
Those minimums are very outdated too given what the average vehicle costs these days.
Posted on 9/30/22 at 11:45 am to TheWalrus
quote:
Haven’t made a single car insurance claim in the 16 years I’ve been driving
Run into a hydrant or something soon so that you can get even a semblance of a ROI.
Posted on 9/30/22 at 11:52 am to Shexter
quote:
Mississippi says "Hold My Beer"
Mississippi is the only state which does not expressly prohibit the possession of an open container while driving
Posted on 9/30/22 at 11:57 am to SportsGuyNOLA
quote:
SportsGuyNOLA
quote:
Whats a ‘car tag’?
It's that metal plate thing they check on the back of your car when you're getting a "brake tag" on the other side of the "neutral ground"
Posted on 9/30/22 at 11:59 am to Shexter
It hasn't been that long ago that you weren't required to carry auto insurance in Mississippi. I think it has been less than 20 years.
Posted on 9/30/22 at 12:01 pm to CAD703X
quote:
quote:
- $500 fine
$500 insurance for a year? seems pretty cheap and
quote:
license suspension for one year or until proof of insurance is provided
so take out insurance, get the card emailed to you, print it out, show up for court, get license back, cancel insurance the next day. Leave printed card in glovebox and hope cops are lazy and don't verify it.
PROFIT
My understanding is that, that is exactly what a lot of them do. If you're broke and don't have anything to lose if sued, then it actually makes sense, monetarily speaking, to not have insurance. Especially if you drive well.
Posted on 9/30/22 at 12:04 pm to Shexter
I support civil asset forfeiture of the vehicle for people driving with no insurance
Unless it just lapsed in last few days or something/forgot to pay new premium
Unless it just lapsed in last few days or something/forgot to pay new premium
Posted on 9/30/22 at 12:09 pm to CAD703X
quote:
so take out insurance, get the card emailed to you, print it out, show up for court, get license back, cancel insurance the next day. Leave printed card in glovebox and hope cops are lazy and don't verify it.
A small part of me wishes I was poor enough to afford this.
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