Publisher’s Points to Ponder: Uninsured Motorists...not right!

Publisher’s Points to Ponder: Uninsured Motorists...not right!

If universal healthcare became mandatory, why is auto insurance optional? Well, at least it feels like auto insurance is optional since officers are issuing hundreds of citations every day for “failure to provide proof of financial responsibility.” Although Texas requires automobile liability coverage at a minimum, more than 20 percent of Texans remain uninsured, according to the Texas Department of Insurance.

How are people getting away with owning vehicles without paying for insurance? If you drive in Texas, you must prove you are financially cable of paying for damages you cause. You must show you have coverage if a cop asks for it or if you’re involved in an accident. Also—my favorites—if you obtain or renew your driver’s license, register your car or renew your car registration, and if you get your vehicle inspected. If these things are required, how do people get away without having insurance?

While lawmakers tout that Texas law has “severe” penalties for drivers who violate the state’s financial responsibility requirements, the rules are not strict enough on uninsured motorists. Currently, offenders’ first conviction results in a fine between $175-$350 with subsequent violations resulting in fines up to $1,000, license suspension, or vehicle impoundment.

Perhaps the current penalties serve as a deterrent, but the fees may not amount to the costs that the insured driver has to pay, such as deductibles and rate increases coupled with the time lost and inconvenience. Would arresting offenders who fail to comply with minimum insurance requirements be a viable solution? It would at least increase accountability by appearing before a judge. What do you think? Share your thoughts on Facebook. com/OlneyEnterprise.