Uninsured Motorists: 2017-2022

Uninsured motorists (UM) are drivers who operate motor vehicles without having liability insurance coverage to compensate others for injuries or physical damage resulting from auto accidents in which they were at fault, despite near-universal legal requirements. This study, which updates previous Insurance Research Council (IRC) research, estimates the number of uninsured drivers on the nation’s roads, based on relative frequencies of auto insurance claims.