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Unemployed are cutting back on auto insurance



Published: Tue, February 17, 2009 @ 8:44 a.m.

CINCINNATI (AP) — Some insurance agents and officials say more motorists are cutting back on insurance or going without because of the weak economy.

An industry research group estimates that for every percentage point increase in unemployment, the rate of uninsured drivers rises by three-quarters of a percentage point.

Ohio’s unemployment rate of 7.8 percent is the highest in the state in more than 20 years.

A Cincinnati Enquirer analysis of state crash data finds that 6.5 percent of all accidents in the Cincinnati and northern Kentucky region last year involved an uninsured driver, up slightly from 2007. Numbers for 2008 are incomplete, but officials think the rate could hit a five-year high.


Comments

1timn(10 comments)posted 5 years, 8 months ago

This problem is correctable by restricting auto registration to only those that have active insurance policies. Many states do this. Why do Ohioans bemoan and tolerate this? It's really kind of silly. Next we'll be blaming auto accidents on unemployment(although there probably is some causality).

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2CassAnn(252 comments)posted 5 years, 8 months ago

Really that wouldnt change anything. Lets say we do that- So then we also make it so insurance companies are required to report to the state when the insurance is dropped. Then the state pulls the registration- and this stops them from driving the cars how? If they will drive without insurance, they will also drive without a valid registration. We have idiots driving around without a license too.

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3apollo(1227 comments)posted 5 years, 8 months ago

Hey Grump, we could probably rid ourselves of jaywalkers too by giving them a 10 year 100,000 fine! Are you willing to pay more taxes to build those prisons?

Forcing people to purchase insurance is a scam that the insurance companies lobbied for simply to increase profits.

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4binx(81 comments)posted 5 years, 8 months ago

I agree with requiring insurance to get tags or a license. I just got my tags renewed last month and was shocked when they did not ask to see proof of insurance. Sure, unemployment is up, STOP WITH THE EXCUSES! If you aren't responsible you should be penalized. Sure, people are out there on the roads and those uninsured will probably plow into me this afternoon... they give out "party plates" for DUI's lets get some green ones or something for those uninsured.

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5scrooge(563 comments)posted 5 years, 8 months ago

I say we bail out the insurance companies to make auto insurance more affordable.
Why not? we're giving our tax dollars to everyone else!

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6aeparish(669 comments)posted 5 years, 8 months ago

I just feel really bad for any of these people if one of them happens to rear end me.

It will not be pretty.

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7timn(10 comments)posted 5 years, 8 months ago

Binx is super smart and happens to agree with me. Uninsured motorists cause our premiums to go up. We should make it as difficult as possible for them to break this law.

CassAnn- they would not get new stickers when they cannot re-register. Sure they can steal yours but that's another crime that would need preventing.

I was shocked like Binx when I moved over here in 2000 from PA. An honor system? In this day and age?

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8binx(81 comments)posted 5 years, 8 months ago

The honor system is what kicks the people that are RESPONSIBLE in the Arse.

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9aeparish(669 comments)posted 5 years, 8 months ago

Personally, I think the idea is great. If someone's driving on expired tags, they will eventually get pulled over. Penalties then follow for not having current tags. So, not only will the state be making money off of those fines, they'll also make money off of the fines for the driver not having up-to-date insurance.

The state makes money, our premiums go down, and most importantly, there are less irresponsible drivers out on the roads.

Oh, in a perfect world...

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10CassAnn(252 comments)posted 5 years, 8 months ago

Your idea isnt bad Timn- just pointing out how irresponsible people get around those laws. Like buying insurance for the month they register, and then not paying it the rest of the year. Then they get the pretty sticker, and STILL dont have car insurance.

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112blave(24 comments)posted 5 years, 8 months ago

the insurance law is aimed primarily at low wage workers, as they don't generally have the resources to make someone whole in the case of an accident.
When times get tough, people who let their insurance lapse are those same workers who are trying to afford whatever else it is they need. You can't just say 'be responsible' to people who are underemployed for various reasons. The 'irresponsible' ones are the low wage folks: kids, older people, who are trying to maintain transportation for work.

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12aeparish(669 comments)posted 5 years, 8 months ago

Blave, there are ways to cut corners around other things. At the most, I would suggest lowering some of their coverage and increasing their deductible, if they absolutely have to. As long as you're going to be on the road, you need to have insurance no matter how poor you are.

If someone feels that they are unable to pay for car insurance because they no longer have the means to do so, then they should start taking the bus. I believe we, as tax payers, will be helping the WRTA provide more routes and extend service, so maybe these people should take advantage of that.

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13baboo(43 comments)posted 5 years, 8 months ago

Who is the Rhodes Scholer who wrote this article? If someone lost their job, they would reduce their premiums or let their coverage lag until it was cancelled. It just isn't a matter of being irresponsible. It wasn't their fault that they lost a job. In tough time other expenses move to the front, like shelter, warmth, and food.

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142blave(24 comments)posted 5 years, 8 months ago

aeparish, I totally get what you're saying. Sadly, Where I live there is no RTA. I'm not so sure that some understand just how much tougher it is when one earns $200 a week or thereabouts: It's just not a bit tougher, it's tougher squared. I work with people like this, and they also have to pay for health care (the clinic charges a fee) and medication. And, as has been well proven, the more poor you are, the better your chances of being sick. Then too, food has gone up substantially in price, but wages have not. It's pretty disheartening to watch.

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152blave(24 comments)posted 5 years, 8 months ago

Lesthanzero, you have swallowed the big lie: that those who can not afford insurance have brought it totally on themselves, or are in some way not living right. (it is true in some cases, not the majority)
While it's true driving is a privilege, that doesn't mean it's an honor awarded only to deserving people. Next time you go to a fast food restaurant, look at how many adults are working there. Or the plastic company that pays people 8 dollars an hour: these folks go to work, but insurance is often a burden to them. I don't advocate government paying for auto insurance. I am just trying to be openminded and compassionate, not rigid and cold.

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16hwicpdave(1 comment)posted 5 years, 8 months ago

I DROVE FOR 29 YEARS WITH NO INS. NEVER HAD AN ACCIDENT EXCEPT FOR DITCHES AND TREES, BUT NEVER ANOTHER CAR OR PERSON. THEN WHEN THE LAW WAS PASSED TO GET INS. I QUIT AVOIDING CARS AND HAVE BEEN MAKING MONEY EVER SINCE. CARS PUT THERE NOSE IN THE ROAD I HIT IT NOW AND I HAVE AN OLD 83 DELTA I DRIVE FOR THAT PURPOSE. SO FOR THE PAST 8 YEARS SOMEONE ELSE HAS BEEN PAYING MY INS. WHEN THEY GET IN MY WAY THEY PAY.

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17timn(10 comments)posted 5 years, 8 months ago

I agree with Les. While many are striving for the bare necessities, auto-insurance should be included in that group of necessities. If you need a car to get to work but you can't afford insurance, you are in the wrong line of work. Move or change. I did both and I'm no rocket scientist. The rest of us aren't here to cover expenses for you or your kids (yes they're learning to do without insurance too).

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18ytown9999(55 comments)posted 5 years, 8 months ago

Requirements for insurance, current registration, etc. don't matter. Ask a cop sometime how many people in this town (more like the suburbs since traffic enforcement is way down on the YPD priority list) just how many people they catch driving on expired license, tags or uninsured. It's astounding. And those are just the ones that get caught for doing something stupid enough to get pulled over, let alone the majority that don't get caught.

The other problem is enforcement. The police departments, BMV or the State don't have the budget to go on insurance patrol and hunt people down.

And if they did - people here would scream about what a waste of taxpayer money to chase down people for no insurance instead of "real" criminals.

Keep voting down police levies and then whining about what minor traffic codes don't get enforced. That makes total sense.

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19boardmanneedschange(364 comments)posted 5 years, 7 months ago

umm baboo, its scholar, not scholer. And if you want to actually know what one is instead of just throwing around phrases you hear on tv.....

http://en.wikipedia.org/wiki/Rhodes_S...

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