But nobody knows precisely how many uninsured drivers there are. AAA Oklahoma spokesman Chuck Mai said some have estimated as many as 25 to 30 percent of drivers in the state are uninsured.
“There's really no way to calculate that number for certain unless you set up road blocks and check cars to see if everyone has insurance,” Mai said.
Effect on premiums
AAA is part of an Insurance Department task force with other industry representatives to examine the problem of uninsured drivers in the state.
Uninsured drivers also boost the cost for insurance premiums for other drivers, Mai said.
Rates can be affected depending on the number of accidents involving uninsured drivers in a certain geographic area, he said.
“Our rates are certainly higher than if everyone had insurance,” Mai said. “If you are struck by an uninsured driver, it is difficult to collect on any damages to your vehicle. Consequently, your insurance rates will typically rise, and those of the entire pool can rise as well.”