December 11, 2010 (Press-News.org) Rhode Island has the highest percentage of uninsured drivers in New England. Therefore, it is important to add uninsured-motorist coverage to your auto-insurance policy before an accident with an uninsured driver puts a potentially big dent in your piggy bank.
Uninsured Driver Statistics
A study by the Insurance Research Council (IRC), a nonprofit division of the American Institute for Chartered Property Casualty Underwriters and the Insurance Institute of America, estimated that one in six drivers in the United States does not have car insurance.
The IRC study found a strong correlation between the number of uninsured motorists and the national unemployment rate. Accordingly, even though the estimated percentage of uninsured motorists decreased from 2003 to 2007, the number of uninsured drivers is expected to have increased because of the 2009 recession.
The IRC's state-by-state analysis of uninsured motorists revealed that Rhode Island had the highest percentage of uninsured drivers in New England in 2007, the latest year for which data is available. According to the study, 14 percent of Rhode Island drivers did not have auto insurance.
In an interesting contrast, three other New England states were among the five states with the lowest rates of uninsured drivers:
- Massachusetts: one percent
- Maine: four percent
- Vermont: six percent
Uninsured-Motorist Insurance
Basic auto-insurance policies do not provide coverage for damage or injuries caused by other drivers -- they only pay for damage caused by the insured driver. Therefore, if you are in an accident with an uninsured driver , you may be stuck paying for the damage to your car and any medical treatment for your injuries, even if you have car insurance.
Fortunately, it is possible to buy additional insurance to protect against uninsured drivers. Uninsured-motorist insurance covers both damage to your vehicle and any medical expenses related to an accident that is caused by an uninsured driver.
In addition, underinsured-motorist insurance provides funds for accidents caused by drivers who carry only the minimum liability insurance required by state law. Underinsured-motorist insurance will make up the difference between the amount the at-fault driver's insurance pays, and the actual price of your repairs and medical care.
Uninsured- and underinsured-motorist insurance is especially valuable during an economic downturn when drivers are more likely to buy only the minimum amount of insurance required or drive without insurance altogether. With uninsured and underinsured motorist coverage, drivers will not have to worry about paying for accident repairs themselves or recovering money from an at-fault driver directly in a personal injury lawsuit.
Broadly, Rhode Island law requires that insurance companies offer uninsured- and underinsured-motorist coverage with every policy. However, in some circumstances consumers may reject this type of coverage in writing and with proper notice of the "hazard of uninsured and underinsured motorists."
Notwithstanding the option not to purchase uninsured and underinsured coverage, Rhode Island drivers would be wise to make this investment considering the unusually high proportion of uninsured drivers with whom potential accidents could occur.
Selecting Additional Coverage
When selecting uninsured- and underinsured-motorist insurance, consider the following tips:
- Shop around -- there are many types of policies available
- Compare prices among insurance providers
- Avoid buying on price alone -- it is important to have adequate coverage and reliable customer support
- Educate yourself about insurance terms and consult consumer-friendly information sources
If you have been in an accident and have questions about uninsured- and underinsured-motorist coverage or your auto-insurance policy, contact a knowledgeable personal injury attorney in your area.
Article provided by The Law Offices of Richard C. Tallo
Visit us at www.tallolaw.com
Wise to Insure Yourself Against Uninsured Drivers in Rhode Island
Rhode Island has the highest percentage of uninsured drivers in New England. Therefore, it is important to add uninsured motorist coverage to your auto-insurance policy.
2010-12-11
ELSE PRESS RELEASES FROM THIS DATE:
Debenhams Reports Women Have Christmas All Wrapped Up
2010-12-11
Debenhams has revealed that over 80% of presents under the Christmas tree are selected, purchased and wrapped by women.
A new survey from the department store revealed that most women buy the majority of Christmas gifts for partners, children, grandparents, neighbours, friends and even themselves, plus stock up on expertly-wrapped standby unisex gifts such as wine and chocolates for unexpected Christmas visitors.
Debenhams spokesperson Michelle Dowdall commented: "While tradition states that the male is the head of the household, when it comes to Christmas shopping, ...
Kuoni Launches New Italy Holidays Brochure for 2011
2010-12-11
Kuoni, the luxury holiday specialist, recently launched its all new brochure for 2011 holidays in Italy. In its pages, readers will find quintessential Italian experiences ranging from cookery lessons in Tuscany and visits to Lake Como to zooming round the countryside in a Maserati and climbing up Mount Etna.
These experiences prove that La Dolce Vita is thriving in our Italy holidays with a selection of colourful activities on offer in Kuoni's latest Italy brochure, which is valid between January and December 2011.
"From city breaks and glorious Italian lake holidays, ...
The National Trust Wins Green Award for A Plant in Time Exhibition
2010-12-11
The National Trust and Yorkshire and Clydesdale Banks' A Plant in Time touring garden exhibition has won the best Green Event Award (shows/exhibitions) at the prestigious global Green Awards 2010 gala ceremony. The award was presented at the Natural History Museum in London.
Judging was based on the criteria of creativity, innovation, effectiveness of the communication campaign and media vehicles employed. The winning entries were the judges pick of the best global campaigns communicating sustainability.
'A Plant in Time' was an innovative, fun, inter-active exhibition, ...
Superbreak Launches Royal Wedding Packages
2010-12-11
Superbreak, the short break specialist, has announced the launch of its royal wedding packages, allowing customers the opportunity to secure a break in advance of the April wedding date.
The York-based tour operator has launched a selection of royal wedding breaks ranging from 2- to 3-night breaks to ensure customers have the chance to celebrate the royal wedding in April next year. Customers can choose from a range of 3- to 5-star hotel breaks in central London, securing hotel rooms in Kensington, Knightsbridge and the West End to appeal to most budgets and tastes. ...
Standard Life and Life Academy Launch the 'Everyone Needs a Plan' Report
2010-12-11
Standard Life and Life Academy, the life and retirement planning charity, have published the report 'Everyone Needs a Plan', to coincide with the launch of Financial Planning Week.
The report suggests that consumers are in the eye of a financial storm with only 51% of adults currently saving while 28% actively choose not to save*.
Authored by Alan Pickering, CBE and chairman of Life Academy, 'Everyone Needs a Plan' examines the UK savings culture and examines, case by case, the repercussions of non saving to consumers from all walks of life. It finds that the penalty ...
Debenhams Reports Nativity Costs Soaring for Competitive Parents
2010-12-11
Debenhams has reported that the trend for designer donkeys, Virgin Marys and Josephs is stronger than ever, with competitive parents splashing out up to GBP150 to ensure that their youngster is the brightest star in the nativity play.
Grandma's chequered tea towels and chintzy tinsel from last year's tree are just not good enough it seems, as parents shape up their shepherds using the finest of materials. Designer chinos, shearling throws and fine silk party dresses are instead adorning this year's cast in community centres, churches and school halls for the annual ...
Newly-Released Feature Film "Change Of Life" Spotlights the Consequences of Hate and Shows Fred Phelps and His Westboro Baptist Church Members How to Find Redemption That Can Truly be Life Changing
2010-12-11
The fact that Rev. Fred Phelps' Kansas-based, Westboro Baptist Church plans to picket Elizabeth Edwards' (the estranged wife of Presidential Candidate John Edwards) funeral this Saturday, along with the fact that repealing Don't Ask Don't Tell (DADT) got defeated, and the recent gay bullying ending in teen suicides, all combines to show that racism and bigotry toward the GLBT community is still very much a part of American life and is entrenched in the belief systems of people. The independent film, "Change of Life", 2009 Winner Best Spiritual Film at the Great Lakes Independent ...
University of Hawaii at Manoa research focuses on congenital abnormality
2010-12-10
Researchers at the University of Hawai'i at Mānoa have developed innovative techniques that could have profound effects on congenital cervical vertebrae malformation research.
In the cover-featured research article of the November issue of Molecular Reproduction and Development, researchers looked into congenital cervical vertebrae malformation in humans that can cause neural problems and increase susceptibility to stillbirth in women. Research advancement on abnormal vertebrae development has been limited due to the lack of lab animals with taxonomic equivalency ...
Our brains are wired so we can better hear ourselves speak
2010-12-10
Like the mute button on the TV remote control, our brains filter out unwanted noise so we can focus on what we're listening to. But when it comes to following our own speech, a new brain study from the University of California, Berkeley, shows that instead of one homogeneous mute button, we have a network of volume settings that can selectively silence and amplify the sounds we make and hear.
Neuroscientists from UC Berkeley, UCSF and Johns Hopkins University tracked the electrical signals emitted from the brains of hospitalized epilepsy patients. They discovered that ...
Aromatase inhibitors increased risk of heart disease in postmenopausal women with breast cancer
2010-12-10
SAN ANTONIO — Postmenopausal women who take aromatase inhibitors as a treatment for breast cancer may be at an increased risk for developing cardiovascular disease, according to the results of a meta-analysis.
These data, presented at the 33rd Annual CTRC-AACR San Antonio Breast Cancer Symposium, indicate that women presenting with breast cancer treatment who have risk factors for cardiovascular disease should be considered for a shorter duration of use of aromatase inhibitors.
"It appears that aromatase inhibitors have a significant increase in cardiotoxic side effects, ...
LAST 30 PRESS RELEASES:
Scientists unlock secrets behind flowering of the king of fruits
Texas A&M researchers illuminate the mysteries of icy ocean worlds
Prosthetic material could help reduce infections from intravenous catheters
Can the heart heal itself? New study says it can
Microscopic discovery in cancer cells could have a big impact
Rice researchers take ‘significant leap forward’ with quantum simulation of molecular electron transfer
Breakthrough new material brings affordable, sustainable future within grasp
How everyday activities inside your home can generate energy
Inequality weakens local governance and public satisfaction, study finds
Uncovering key molecular factors behind malaria’s deadliest strain
UC Davis researchers help decode the cause of aggressive breast cancer in women of color
Researchers discovered replication hubs for human norovirus
SNU researchers develop the world’s most sensitive flexible strain sensor
Tiny, wireless antennas use light to monitor cellular communication
Neutrality has played a pivotal, but under-examined, role in international relations, new research shows
Study reveals right whales live 130 years — or more
Researchers reveal how human eyelashes promote water drainage
Pollinators most vulnerable to rising global temperatures are flies, study shows
DFG to fund eight new research units
Modern AI systems have achieved Turing's vision, but not exactly how he hoped
Quantum walk computing unlocks new potential in quantum science and technology
Construction materials and household items are a part of a long-term carbon sink called the “technosphere”
First demonstration of quantum teleportation over busy Internet cables
Disparities and gaps in breast cancer screening for women ages 40 to 49
US tobacco 21 policies and potential mortality reductions by state
AI-driven approach reveals hidden hazards of chemical mixtures in rivers
Older age linked to increased complications after breast reconstruction
ESA and NASA satellites deliver first joint picture of Greenland Ice Sheet melting
Early detection model for pancreatic necrosis improves patient outcomes
Poor vascular health accelerates brain ageing
[Press-News.org] Wise to Insure Yourself Against Uninsured Drivers in Rhode IslandRhode Island has the highest percentage of uninsured drivers in New England. Therefore, it is important to add uninsured motorist coverage to your auto-insurance policy.