Mercury Insurance Explains How Uninsured Drivers Affect Insurance Costs and How You Can Protect Yourself
Mercury Insurance (MCY) reports a concerning trend in U.S. auto insurance, as uninsured motorists increased from 11% to 14% between 2019-2022, meaning approximately 1 in 7 drivers lack coverage. This surge is driving up costs across the industry, with policyholders collectively paying $16 billion for uninsured/underinsured motorist coverage.
The average cost of full coverage car insurance reached $205 per month as of November 2024. Mercury's VP of Auto Claims, Kevin Quinn, emphasizes that both insurers and insured drivers bear the financial burden of uninsured motorists, leading to higher premiums even for those with clean driving records.
The company recommends several protective measures, including carrying uninsured/underinsured motorist coverage, considering umbrella policies, and maintaining safe driving habits to minimize accident risks.
Mercury Insurance (MCY) riporta una tendenza preoccupante nell'assicurazione auto negli Stati Uniti, poiché il numero di automobilisti non assicurati è aumentato dall'11% al 14% tra il 2019 e il 2022, il che significa che circa 1 conducente su 7 non ha copertura. Questo aumento sta facendo lievitare i costi in tutto il settore, con gli assicurati che pagano complessivamente 16 miliardi di dollari per la copertura di automobilisti non assicurati/sottocoperti.
Il costo medio dell'assicurazione auto con copertura totale ha raggiunto 205 dollari al mese a novembre 2024. Kevin Quinn, VP delle richieste auto di Mercury, sottolinea che sia le compagnie assicurative che i conducenti assicurati sopportano il peso finanziario degli automobilisti non assicurati, portando a premi più elevati anche per coloro che hanno un record di guida pulito.
La compagnia raccomanda diverse misure protettive, tra cui avere una copertura per automobilisti non assicurati/sottocoperti, considerare polizze ombrello e mantenere abitudini di guida sicure per ridurre i rischi di incidenti.
Mercury Insurance (MCY) informa sobre una tendencia preocupante en el seguro de automóvil en EE. UU., ya que el número de automovilistas no asegurados ha aumentado del 11% al 14% entre 2019 y 2022, lo que significa que aproximadamente 1 de cada 7 conductores carece de cobertura. Este aumento está elevando los costos en toda la industria, con los asegurados pagando en conjunto 16 mil millones de dólares por la cobertura de automovilistas no asegurados/subasegurados.
El costo promedio del seguro de automóvil a todo riesgo alcanzó 205 dólares al mes en noviembre de 2024. Kevin Quinn, VP de Reclamaciones de Automóviles de Mercury, enfatiza que tanto las aseguradoras como los conductores asegurados soportan la carga financiera de los automovilistas no asegurados, lo que lleva a primas más altas incluso para aquellos con un historial de conducción limpio.
La compañía recomienda varias medidas de protección, incluyendo tener cobertura para automovilistas no asegurados/subasegurados, considerar pólizas de paraguas y mantener hábitos de conducción seguros para minimizar los riesgos de accidentes.
머큐리 보험 (MCY)는 미국 자동차 보험에서 우려스러운 추세를 보고하고 있습니다. 2019년에서 2022년 사이에 보험 미가입 운전자가 11%에서 14%로 증가했으며, 이는 약 7명 중 1명이 보험이 없다는 것을 의미합니다. 이러한 증가는 업계 전반의 비용을 증가시키고 있으며, 보험 가입자들은 미가입/저보험 운전자를 위한 보장으로 총 160억 달러를 지불하고 있습니다.
2024년 11월 기준으로 전체 보장 자동차 보험의 평균 비용은 205달러 매월에 도달했습니다. 머큐리의 자동차 청구 부사장인 케빈 퀸은 보험사와 보험 가입자 모두가 미가입 운전자의 재정적 부담을 지고 있으며, 이로 인해 깨끗한 운전 기록을 가진 사람들조차도 더 높은 보험료를 부담하고 있다고 강조합니다.
회사는 미가입/저보험 운전자를 위한 보장을 포함한 여러 보호 조치를 권장하며, 우산 보험을 고려하고 사고 위험을 최소화하기 위해 안전한 운전 습관을 유지할 것을 권장합니다.
Mercury Insurance (MCY) rapporte une tendance préoccupante dans l'assurance automobile aux États-Unis, car le nombre de conducteurs non assurés a augmenté de 11 % à 14 % entre 2019 et 2022, ce qui signifie qu'environ 1 conducteur sur 7 n'a pas de couverture. Cette augmentation entraîne une hausse des coûts dans l'ensemble du secteur, les assurés payant collectivement 16 milliards de dollars pour la couverture des conducteurs non assurés/sous-assurés.
Le coût moyen de l'assurance automobile tous risques a atteint 205 dollars par mois en novembre 2024. Kevin Quinn, VP des sinistres automobiles chez Mercury, souligne que les assureurs et les conducteurs assurés supportent tous deux le fardeau financier des conducteurs non assurés, ce qui entraîne des primes plus élevées même pour ceux ayant un dossier de conduite sans tache.
L'entreprise recommande plusieurs mesures de protection, notamment de souscrire une couverture pour les conducteurs non assurés/sous-assurés, de considérer des polices complémentaires et de maintenir des habitudes de conduite sûres pour minimiser les risques d'accidents.
Mercury Insurance (MCY) berichtet über einen besorgniserregenden Trend in der US-Autoversicherung, da die Anzahl der unversicherten Autofahrer von 11% auf 14% zwischen 2019 und 2022 gestiegen ist, was bedeutet, dass etwa 1 von 7 Fahrern keinen Versicherungsschutz hat. Dieser Anstieg treibt die Kosten in der gesamten Branche in die Höhe, wobei die Versicherungsnehmer insgesamt 16 Milliarden Dollar für den Schutz unversicherter/unterversicherter Autofahrer zahlen.
Die durchschnittlichen Kosten für eine Vollkaskoversicherung beliefen sich im November 2024 auf 205 Dollar pro Monat. Kevin Quinn, VP für Autoansprüche bei Mercury, betont, dass sowohl Versicherer als auch versicherte Fahrer die finanzielle Belastung unversicherter Autofahrer tragen, was zu höheren Prämien selbst für diejenigen mit sauberem Fahrverhalten führt.
Das Unternehmen empfiehlt mehrere Schutzmaßnahmen, darunter den Abschluss einer Versicherung für unversicherte/unterversicherte Autofahrer, die Überlegung von Zusatzpolicen und die Beibehaltung sicherer Fahrgewohnheiten, um das Unfallrisiko zu minimieren.
- None.
- Increase in uninsured motorists from 11% to 14% (2019-2022) raises operational costs
- Higher insurance premiums for all customers due to increased risk from uninsured drivers
- $16 billion collective burden on policyholders for uninsured/underinsured coverage
From 2019 to 2022, the percentage of uninsured motorists grew from
The increasing frequency of uninsured drivers strains insurance companies financially. When insurers are forced to cover the costs of accidents caused by these drivers, expenses increase. The burden of these increased costs is then passed on to the consumer, meaning that responsible, insured drivers have to shoulder the burden.
In recent years, policyholders collectively paid
"The reality is we all bear the burden for motorists who drive without auto insurance and it's tough on both the insurer and insured," said Kevin Quinn, Vice President of Auto Claims for Mercury Insurance. "We understand that affordability is a problem, but driving without insurance not only creates a significant liability for the driver, it also exacerbates the affordability problem for everyone."
Here are some key factors that explain how uninsured drivers affect insurance rates:
- Increased risk for insurers: When a significant number of drivers are uninsured, it raises the risk for insurance companies, as they may need to pay out more in claims for accidents involving uninsured motorists.
- Higher premiums for insured drivers: To offset the increased risk, insurance companies raise premiums for all insured drivers, even if they have a clean driving record.
- Impact of uninsured motorist coverage: While most states require uninsured motorist coverage, which protects insured drivers in accidents with uninsured motorists, frequent claims against uninsured drivers can still lead to higher premiums for everyone.
- Individual impact of driving without insurance: If an individual is caught driving without insurance, their future insurance rates will likely be significantly higher because they are considered a high-risk driver.
So, how can motorists protect themselves from uninsured drivers? There are a number of ways:
- Carry uninsured/underinsured motorist coverage: If uninsured/underinsured motorist coverage is not already included in a driver's policy, they should consider adding it. Alternatively, if it is already required by state law, it would be advisable to review the policy's coverage limits.
- Consider an umbrella policy: Causing a car accident can mean big expenses, and having an umbrella policy can offer added peace of mind. An umbrella policy provides added liability coverage when the policy limits associated with car insurance are not high enough to cover the damage. However, it may be necessary to verify whether an umbrella policy covers uninsured drivers, as some policies do not.
- Practice safe driving habits: The best way to avoid dealing with an uninsured motorist is to avoid an accident in the first place. Eliminate driving distractions and stay alert behind the wheel.
"Auto insurance is not just a legal requirement — it's a safety net that protects you, your passengers and others on the road from the unpredictable risks of driving," said Quinn. "If affordability is a concern, there are several discounts and strategies that consumers can take advantage of to help reduce costs."
About Mercury Insurance
Headquartered in
Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through nearly 4,100 employees and a network of more than 6,500 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on Twitter or Facebook.
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SOURCE Mercury Insurance
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