States have tried many tactics to reduce the number of uninsured drivers-vehicle impoundment, jail terms, and laws limiting the rights of the uninsured to make claims against insured drivers. And while the rate of drivers with no car insurance has declined, there is still up to a one-in-three chance, depending on where you live, that a car that collides with yours will be driven by an uninsured motorist, according to a study last year by the Insurance Research Council. When that happens, of course, accidents can turn into nightmares. The full cost of your medical bills and property damage can be unrecoverable.
"This landmark program was sparked by the dilemma faced by hundreds of thousands of uninsured low-income drivers who are required by law to carry auto insurance but who cannot afford to do so," says Norma P. Garcia, a senior attorney in Consumers Union's West Coast Regional Office, which strongly supported the state legislation that created the program. "This opens the door for safe low-income drivers to buy affordable auto insurance, allowing them to drive legally."
Fewer than 300 motorists had signed up as of early September, a number that officials are hoping to boost with a billboard campaign and streamlined registration. Consumers
Ultimately, low-cost insurance could be a boon to all insured