Study: When jobs are lost, uninsured drivers increase.

FOR IMMEDIATE RELEASE  Study: When jobs are lost, uninsured drivers increase.

January 28, 2009

Cleveland Plain Dealer

By: Joan Mazzolini
Plain Dealer Reporter

(January 28, 2009) - As the number of unemployed people grows, so does the chance that someone involved in a car accident won't have insurance. It seems logical that when people lose their jobs, car insurance is one of the seemingly nonessential expenses that can go. But a recent study by the nonprofit Insurance Research Council found out how closely the two are related. For every 1 percent increase in the unemployment rate, the number of uninsured motorist's increases by three-quarters of a percent, the study found.

That's bad news for insured drivers, who end up paying for the damage caused in accidents with uninsured drivers. And ultimately pay more for insurance. It is also bad news for uninsured drivers who get caught. It is illegal to drive without coverage. In Ohio, drivers who aren't covered are fined and lose their license for 90 days for the first offense, one year for a second offense and two years for a third or more offenses committed within five years.

People think they're saving money by dropping their insurance. Ultimately it will cost them more if they are caught or are involved in an accident, said Jon Diamond, president of the Columbus-based SafeAuto®, which specializes in offering state-required minimum coverage.

The research council estimates that in 2007, 16 percent of Ohio drivers, or 1.2 million, were uninsured. Since December 2007, Ohio's unemployment rate has gone up by 2 percent to 7.8 percent, the highest in 22 years. That jump would add another 112,000 to the uninsured ranks, using the council's formula. Council researchers analyzed data from insurance companies that cover about 50 percent of the market nationwide. It also found the correlation between unemployment and uninsured motorists went back 20 years. "When people are losing their jobs, they face very tough decisions," IRC Vice President David Corum said. Ohio Insurance Institute, a trade group, doubts the council's estimates, saying the uninsured rate is probably about 9 percent, said Mary Bonelli, the institute's spokeswoman. Diamond says both estimates are low. He figures about a quarter of drivers are without insurance. "It's a bigger number than anyone cares to admit," he said. Diamond said unemployment isn't the only factor forcing people to drop their auto insurance. The gas hike last year drove a number of people to let their car insurance lapse. "They had to choose gas for the car, food or insurance," he said.

Diamond and Bonelli said Ohio drivers have a couple of things going for them that make insurance more affordable: Ohio has one of the lowest minimum amounts drivers must be insured in the country. Ohio also prohibits insurance companies from raising the rates of drivers involved in accidents with uninsured drivers - as long as it isn't the insured driver's fault. Corum said there are things consumers can do to reduce their insurance costs, including shopping around for plans, raising deductibles and dropping comprehensive coverage, especially on older vehicles.

Finally, many American households have more cars than drivers. "Ask yourself if you really need that extra car," Corum said.

Copyright 2009 Plain Dealer Publishing co. Used with permission. All rights reserved.

896 comments

Leave a comment
  1. mtom | Sep 19, 2019

    You really make it appear really easy along with your presentation but I to find this topic to be really something which I believe I would by no means understand. It sort of feels too complicated and extremely extensive for me. I’m taking a look ahead on your next publish, I¡¦ll attempt to get the cling of it! Medientechniker

    ------------------------------------------------------------------------------------------------------------------------------------

    An incredibly fascinating read, I might not concur completely, but you do make some extremely valid points. concrete wedge anchor bolts

  2. mtom | Sep 19, 2019

    I would like to thnkx for the efforts you’ve put in writing this website. I am hoping the same high-grade blog post from you in the upcoming as well. In fact your creative writing skills has encouraged me to get my own web site now. Really the blogging is spreading its wings rapidly. Your write up is a good example of it. Security Company Bristol

    --------------------------------------------------------------------------------------------------

    Thanks  for another informative web site. Where else could I get that kind of information written in such an ideal way? I’ve a project that I’m just now working on, and I have been on the look out for such information. 713

  3. max | Sep 19, 2019

    RepuNEXT gives one-stop for all Business needs and Advisory services and takes your Reputation to the next level.

    web developers chennai

  4. mtom | Sep 19, 2019
    i love auctions, i think joining an auction and bidding is also an addictive habit“ consolidate payday loans now
  5. mtom | Sep 18, 2019

    I am glad to be a  visitant of this perfect    site ! ,  thankyou  for this rare  information! . practise for sale

    -------------------------------------------------------------------------------------------------------------------------------------------------------------

    There is noticeably a lot of money to learn about this. I suppose you made particular nice points in features also. pest control bed bugs termite exterminator wichita kansas

  6. mtom | Sep 17, 2019

    Really cool post, highly informative and professionally written. Good Job auto finance leads

    -----------------------------------------------------------------------------------------------------------------------

    I love blogging and i can say that you also love blogging.–`.` Homepage

  7. Ayesha Khatri | Sep 17, 2019
    What a fantabulous post this has been. Never seen this kind of useful post. I am grateful to you and expect more number of posts like these. Thank you very much.Concert Photography
  8. mtom | Sep 17, 2019

    Some  genuinely nice stuff on this website  , I  love  it. millions of sales leads lists

    ----------------------------------------------------------------------------------------------------------------------------------------------------------

    It’s difficult to acquire knowledgeable people on this topic, but the truth is could be seen as guess what happens you are speaking about! Thanks kontraktor desain interior

  9. Zack Smith | Sep 17, 2019
    It proved to be Very helpful to me and I am sure to all the commentators here!  cosmetic colored contacts
  10. Blog comments | Sep 16, 2019
    This is very educational content and written well for a change. It's nice to see that some people still understand how to write a quality post! Blog comments
  11. DJ | Sep 16, 2019
    You actually make it look so easy with your performance but I find this matter to be actually something which I think I would never comprehend. It seems too complicated and extremely broad for me. I'm looking forward for your next post, I’ll try to get the hang of it! 11th Class Result 2019 Rawalpindi Board
  12. DJ | Sep 16, 2019
    Really impressed! Everything is very open and very clear clarification of issues. It contains truly facts. Your website is very valuable. Thanks for sharing.  11th class result 2019
  13. mtom | Sep 16, 2019
    This would be the appropriate blog for anybody who really wants to find out about this topic. You are aware of so much its practically difficult to argue with you (not too I really would want…HaHa). You certainly put a brand new spin on the topic thats been revealed for years. Excellent stuff, just excellent! WhatsApp Group Links
  14. Oliviaseo | Sep 16, 2019
    I wish more authors of this type of content would take the time you did to research and write so well.  I am very impressed with your vision and insight. magicmirror-thefilm
  15. mtom | Sep 16, 2019
    Human growth hormone supplements have lots of benefits to provide specifically to those who are currently past the age of thirty. Hgh supplements have been proven efficient in dealing with particular problems related to aging and doesn’t trigger as much side effects in comparison with other forms of Human growth hormone products. Additionally, supplements are effective, risk-free as well as inexpensive unlike Human growth hormone injections. Best barber shop near me
  16. mumbai call girls | Sep 16, 2019

    Mumbai call girls are the mark of limitless love and lust, they are the fully package of performing and desires.

    Mumbai Models Escorts Mumbai Air-Hostess Escorts Mumbai College-Girls Escorts Mumbai Housewife Escorts

  17. DJ | Sep 16, 2019
    This is also a very good post which I really enjoyed reading. It is not every day that I have the possibility to see something like this..  Faisalabad 1st Year Result 2019
  18. kenikmatan | Sep 15, 2019
    Terpesona ??

    Luarbiasa, Mainan Mengagumkan, Terpikat

    Kepuasan B*Cinta

    Gaya B-Cinta, kepuasan batin pasutri, keseruan cinta, Menambah semangat B*cinta, Pengalaman b-cinta

    =============September https://toko.splashthat.com/ https://tokocinta.hatenablog.com/
    https://tokocinta.hatenablog.com/entry/2019/09/11/103345

    top.priawanitadewasa.com/
    http://top.priawanitadewasa.com
    http://top.priawanitadewasa.com
    http://top.priawanitadewasa.com/
    http://top.priawanitadewasa.com/
    http://top.priawanitadewasa.com/
    http://top.priawanitadewasa.com
    http://top.priawanitadewasa.com/
    http://top.priawanitadewasa.com/
    http://top.priawanitadewasa.com/
    ==
    manfaatalatbantupriawanita
    manfaatalatbantupriawanita
    manfaatalatbantupriawanita
    efekalatbantupriawanita
    efekmainanalatbantupriawanita
    efekmainanalatbantupriawanita
    efekmainan
    efekalatbantupriawanita
    efekalatbantupriawanita
    efekmainan
    efekmainan
    efekmainan
    efekmainan
    efekmainan
    efekmainan
    efekmainan

    Efek Onani Dengan Silikon

    Efek Masturbasi dengan benda ?, Efeksamping kerap Onani ?, onani berdampak

    Alamat Jual Obat Kuat Cod Di Surabaya

    Jualan Obat Kuat Di Bangkalan, Jualan Obat Kuat Di Banyuwangi, jualan obat kuat di bojonegoro, Jualan Obat Kuat Di Bondowoso, Jualan Obat Kuat Di Gresik, Jualan Obat Kuat Di Jember, Jualan Obat Kuat Di Jombang, jualan obat kuat di kota batu, Jualan Obat Kuat Di Kota Blitar, Jualan Obat Kuat Di Kota Kediri, Jualan Obat Kuat Di Kota Madiun, jualan obat kuat di kota malang, Jualan Obat Kuat Di Kota Pasuruan, Jualan Obat Kuat Di Lamongan, Jualan Obat Kuat Di Lumajang, Jualan Obat Kuat Di Magetan, jualan obat kuat di mojokerto, Jualan Obat Kuat Di Nganjuk, Jualan Obat Kuat Di Ngawi, Jualan Obat Kuat Di Pacitan, Jualan Obat Kuat Di Pamekasan, Jualan Obat Kuat Di Ponorogo, Jualan Obat Kuat Di Probolinggo, Jualan Obat Kuat Di Sampang, Jualan Obat Kuat Di Sidoarjo, Jualan Obat Kuat Di Situbondo, Jualan Obat Kuat Di Sumenep, Jualan Obat Kuat Di Trenggalek, Jualan Obat Kuat Di Tuban, Jualan Obat Kuat Di Tulungagung

    https://harga.webflow.io/
    https://harga.webflow.io/search/efek-memanfaatkan-alat-bantu
    https://harga.webflow.io/search/daftar-produk
    https://harga.webflow.io/all-posts

    Benda Eksperimen  B-Cinta

    Eksperimen Cewek Cowok, Mainan eksperimen murah, Membuat eksperimen B-cinta, penunjang eksperimen pasutri

    Mainan Eksperimen Aksi Ranjang Pasutri

    Aksesoris aksi ranjang pasutri, Benda penunjang aksi ranjang pasutri, Mainan Aksi Ranjang

    Tak Slamanya Aksi Ranjang Nikmat

    Mendorong Semangat Hubungan B-cinta, Menunjang Memperoleh Nikmat, Solusi Aksi Ranjang Hambar, Tips Panas Aksi B-cinta

    Efek Teknologi Alat Seks

    bahaya mainan seks, kinerha mainan seks, Mainan seks Menurut dokter sehat, Manfaat mainan seks, perkembang teknologi mainan seks

    Efek Mainan Seks B-Teknologi

    40 mainan seks aksi ranjang, dampak efek teknologi mainan b cinta, efek seks pakai mainan, Mainan Penunjang Aksi Ranjang, Manfaat mainan seks

    Efek Teknologi Vagina Karet Silikon Elektrik

    Efek teknolgi Intim silikon, efek vagina mainan, teknologi aksi ranjang pria, teknologi pengganti ke intiman

  19. Haider ali | Sep 15, 2019
    We are really grateful for your blog post. You will find a lot of approaches after visiting your post. I was exactly searching for. Thanks for such post and please keep it up. Great work. free dating sites
  20. mtom | Sep 15, 2019

    Nice post and site. Good that Yahoo listed so i was able to get here. This site will go no in my bookmarks from now. black friday erbjudande

    -----------------------------------------------------------------------

    hello there and thank you for your info – I have certainly picked up something new from right here. I did however expertise several technical issues using this web site, as I experienced to reload the website many times previous to I could get it to load correctly. I had been wondering if your web hosting is OK? Not that I’m complaining, but sluggish loading instances times will very frequently affect your placement in google and could damage your quality score if advertising and marketing with Adwords. Well I’m adding this RSS to my email and could look out for much more of your respective exciting content. Ensure that you update this again very soon.. Italeri Cargo Truck Scale Model Full Build

  21. Zack Smith | Sep 15, 2019
    Just admiring your work and wondering how you managed this blog so well. It’s so remarkable that I can't afford to not go through this valuable information whenever I surf the internet! browse this site
  22. sasas | Sep 15, 2019
    You actually make it look so easy with your performance but I find this matter to be actually something which I think I would never comprehend. It seems too complicated and extremely broad for me. I'm looking forward for your next post, I’ll try to get the hang of it! BiseGujranwala 11th Class Result 2019
  23. mtom | Sep 14, 2019
    I see your site on google. I searching something about research statistic and I find it in your site. Thank a lot. Tough
  24. sasaas | Sep 14, 2019
    Really impressed! Everything is very open and very clear clarification of issues. It contains truly facts. Your website is very valuable. Thanks for sharing.  BiseLahore 11th Class Result 2019
  25. Zack Smith | Sep 14, 2019
    this is really nice to read..informative post is very good to read..thanks a lot! Homepage
  26. buying of used laptops | Sep 14, 2019
    What a fantabulous post this has been. Never seen this kind of useful post. I am grateful to you and expect more number of posts like these. Thank you very much. buying of used laptops
  27. Zack Smith | Sep 14, 2019
    I admire this article for the well-researched content and excellent wording. I got so involved in this material that I couldn’t stop reading. I am impressed with your work and skill. Thank you so much. Warning Tape Manufacturer in india
  28. riyakatariya | Sep 14, 2019
    The substance you scattered here is to an extraordinary degree stunning. It helped me a ton to liven me up. Escorts in Chennai
  29. poor credit personal loans guaranteed approval from mmPersonalLoans | Sep 13, 2019
    Thanks for the points shared using your blog. Something else I would like to talk about is that weight reduction is not information about going on a dietary fad and trying to reduce as much weight that you can in a set period of time. The most effective way to burn fat is by having it slowly and gradually and obeying some basic ideas which can assist you to make the most from your attempt to shed weight. You may realize and already be following a few of these tips, nevertheless reinforcing knowledge never does any damage. poor credit personal loans guaranteed approval from mmPersonalLoans
  30. Opioid Free Anesthesia | Sep 13, 2019
    What a fantabulous post this has been. Never seen this kind of useful post. I am grateful to you and expect more number of posts like these. Thank you very much. Opioid Free Anesthesia
  31. seomaster | Sep 13, 2019
    I invite you to the page where     see how much we have in common. vimax.pk vimax
  32. ayan shah | Sep 12, 2019
     If someone week i really ashen-haired not actually pretty, whether you will lite grope a present, thought to follow us to displays bursting with ends of the earth considerably? Inside the impeccant previous, sea ever have dried-up, my hubby and i only may very well be with all of you connected thousands of samsara. dpboss
  33. Magnetsulor | Sep 12, 2019
    What a fantabulous post this has been. Never seen this kind of useful post. I am grateful to you and expect more number of posts like these. Thank you very much. Magnetsulor
  34. mtom | Sep 12, 2019

    very nice post, i surely really like this fabulous website, keep on it route planner

    ----------------------------------------------------------------------------------------------------------------------------------------------------------

    Youre so cool! I dont suppose Ive read anything like this before. So nice to find somebody with original thoughts on this subject. realy i appreciate you for beginning this up. this site is one area that is required on the internet, an individual after some originality. useful job for bringing new stuff to your net! 먹튀검증

  35. Anna Justin | Sep 12, 2019
  36. mtom | Sep 12, 2019

    I love your blog.. very nice colors & theme. Did you create this website yourself? Plz reply back as I’m looking to create my own blog and would like to know wheere u got this from. thanks zombs royale gems hack

    --------------------------------------------------------------------------------

    I gotta bookmark   this  web site  it seems very useful   very beneficial audit services singapore

  37. Hibbah | Sep 11, 2019
    Actually I read it yesterday but I had some thoughts about it and today I wanted to read it again because it is very well written. best steam inhaler
  38. Uniform Supplier | Sep 11, 2019
    I have read all the comments and suggestions posted by the visitors for this article are very fine,We will wait for your next article so only.Thanks! Uniform Supplier
  39. mtom | Sep 11, 2019

    Nice post. I understand something very complicated on distinct blogs everyday. It will always be stimulating to see content from other writers and rehearse a specific thing at their store. I’d prefer to use some together with the content in my small weblog whether you don’t mind. Natually I’ll provide a link on the internet weblog. Many thanks sharing. Horse shoe crab blood

    ---------------------------------------------------------------------------------------------------------------------------------------------------------------

    This web site is usually a walk-through like the info you desired about this and didn’t know who to ask. Glimpse here, and you’ll definitely discover it. die casting supplier

  40. mtom | Sep 11, 2019
    I just love to read new topics from you blog . thunder vpn for pc
  41. Mission Mangal | Sep 11, 2019
    It looks like you will find there’s problem with your blog post by using Safari internet browser. Mission Mangal
  42. ankita dave | Sep 11, 2019

    Great post! I am actually getting ready to cross this information, very helpful my friend. Also great blog here with all the valuable information you have. Keep up the good work you are doing here.

    mumbai call girls

  43. ayan shah | Sep 10, 2019
    Such a very useful article. Very interesting to read this article.I would like to thank you for the efforts you had made for writing this awesome article. walmartone.com
  44. implant dentist 85255 | Sep 10, 2019
    What a fantabulous post this has been. Never seen this kind of useful post. I am grateful to you and expect more number of posts like these. Thank you very much. implant dentist 85255
  45. ankita dave | Sep 09, 2019

    mumbai is one of the most happening place in India for fun, joy and services, services like which gives you pleasure a lot of pleasure.

    mumbai call girls

  46. mumbai escorts | Sep 09, 2019

    The Hot Call Girls in Mumbai are highly flexible in their approach. Anything you demand of them and they immediately get into action. The girls are easily accessible, genuine and trendy.

    mumbai Escorts service 

  47. viparushi roy | Sep 09, 2019

     Nice and interesting post. Thank You! For sharing such a great article, I like to read your information you have mentioned in this article are helpful for me.

    Mumbai Escorts Service 

    Andheri Call Girls

  48. aliya arora | Sep 09, 2019
     This article is especially minimum necessity and careful, I have inspected different articles regarding this issue, yet for this article, you have given me a critical impression and helpful application in my life. 
       

    Stunning Escorts in Delhi

    Independent Delhi Escorts

  49. aliya arora | Sep 09, 2019
     Much appreciation to you for making such educational site. The majority of the themes are basic in your subject. Prop it up, on the grounds that your site and indicate are basic clients. In the wake of survey your I have likewise suggested your site with my sidekicks  Delhi Call Girls 

    Call Girls in Delhi

     

    Sexy Bhabhi whatsapp number

  50. seomaster | Sep 08, 2019
    I might suggest solely beneficial in addition to trusted facts, and so find it: PU leather supplier

    Leave a comment