Texas moves to fix problem with uninsured drivers

Texas has the highest rate of uninsured drivers, at 24 percent.

If you live in Texas it is very important that you also have uninsured coverage since there are so many drivers without insurance.

Meanwhile, the state is going to test a program, to stop uninsured drivers. Through a state database they will be able to identify the uninsured.

Uninsured drivers can get caught when they are stopped for a traffic violation, involved in an accident, vehicle inspection, or when they pay for vehicle registration.

The state will also send out letters to the 4 million drivers without car insurance and warn them to get car insurance.

Similar programs have been tested in other states and they have dramatically decreased the amount of uninsured drivers. The program is going to first be tested in Austin, then in Dallas, and throughout the rest of the state.

Uninsured drivers are not just a problem for drivers without uninsured coverage, it's also a problem for insurance companies. Good drivers typically don't have at-fault accidents, but when an uninsured driver causes an accident, then the insurer that is insuring the good driver has to pay. Thus, causing insurance rates to increase overall.