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Principles of Risk Management and Insurance, 13th Edition by Michael McNamara, George E. Rejda

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Part C: Uninsured Motorists Coverage

Some motorists are irresponsible and drive without liability insurance. Across the United States, if someone is injured in an auto accident, the chances are about one in seven that the at-fault driver is uninsured. According to the Insurance Research Council (IRC), the estimated number of uninsured motorists in the United States peaked at 29.9 million in 2009, reflecting the recession. The percentage of insured drivers trended down in 2010, 2011, and 2012 (see Insight 20.2).

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