More People Going Without Auto Insurance

In today's economic environment, more and more people are choosing to go without auto insurance while they still take to the roads. Industry experts estimate that about 13.8% of all American drivers are uninsured and this causes a whole host of problems for all drivers and insurance companies. Auto insurance companies lose a significant amount of money every year due to uninsured drivers and these costs are passed on to insurance premiums that insured drivers will feel. Whether you have new or used car insurance, you will likely see rate increases over time partly due to uninsured drivers.

Larry Copeland wrote the article "One in Seven Drivers Have No Insurance" on USA Today and points out that uninsured drivers end up costing insured drivers billions of dollars per year. This astonishing figure is creeping up as inflation rises and health care costs continue to increase. Data from the National Association of Insurance Commissioners reports that in 2007 the cost of people going without insurance was about $10.8 billion.

Requiring auto insurance hasn't been enough motivation to get all drivers insured. The consequences aren't quite severe enough in most cases and there are not systematic checks in place to ensure a driver is insured at all times. Generally, someone would get caught after being in an accident or getting pulled over, but if they aren't caught in this situation no one may ever find out they are uninsured. Some states have in place random auditing, but this is expensive and still isn't deterring people from getting insured in a timely manner.

Uninsured With A Pre-Existing Condition?

If you have a pre-existing condition, or know someone who has a pre-existing condition and have ever struggled to find quality health insurance it's important you read this article on the Pre-Existing Condition Insurance Plan (PCIP). The Affordable Care Act included this unique program to bridge the gap until 2014 when health insurance companies will no longer be allowed to deny an individual health insurance due to a pre-existing condition such as asthma, diabetes, or heart disease.

Anyone who has had trouble getting insured understands how frustrating it can be to be turned down again and again because of a pre-existing condition. The PCIP ensures these individuals are treated fairly and have access to quality health insurance just like everyone else. It only makes sense that the people who need our health care system the most should have quality coverage to ensure their needs are met.

Health Insurance For Those With Pre-Existing Conditions

For years, millions of Americans have struggled to obtain quality health insurance because of a pre-existing condition such as cancer, heart disease, and even asthma. Congress recognized this as an issue and has incorporated law into the Affordable Care Act that says health insurers cannot deny someone coverage because of a pre-existing condition. While this is a great policy, it does not take effect until 2014. The Government wanted these affected individuals to feel relief immediately so they implemented the Pre-Existing Condition Insurance Plan (PCIP) to bridge the gap until 2014.

The PCIP is targeting the specific group of people who cannot find health insurance and are continuously denied a policy due to their pre-existing condition. It even helps those who may have found coverage, but at very high rates, causing financial strain. The Federal Department of Health and Human Services says that a recent survey shows that around 36% of Americans with pre-existing conditions struggle to find the health insurance policy that suits their circumstances and meets their needs. The PCIP aims to help these individuals get a fair price on a quality health insurance policy and strives to make their lives a little easier through the complicated world of health care.