LEXINGTON, KY- (WKYT) A study by the Insurance Research Council puts Kentucky as the eighth worst state for having drivers without insurance.
Lexington resident Travis Mattox was hit twice this summer by two different uninsured drivers.
"Mathematically there's no way this happens two times in the one summer. And then sure enough, it did," Mattox said.
Trooper Paul Blanton with Kentucky State Police pulled numbers for our investigation. Of the almost 600 fatal accidents this year in Kentucky, more than a quarter of those involved uninsured drivers.
"Our biggest causes for fatal collisions are speed and alcohol: two risky behaviors. Driving without insurance is a risky behavior," Blanton said.
State lawmaker Stan Lee has sponsored bills in past years trying to target uninsured drivers.
"It cost everybody who does the right thing," Rep. Lee said.
He says the issue comes down to the courts. He says an uninsured driver involved in an accident will get coverage after the crash, then show up with the new insurance on their court date and the fine is dismissed.
"That's how people get away with driving without insurance, they buy it after the fact," Lee said.
"Nothing happens for being uninsured at that time. Should they still be fined? The discretion is with the judges."
Trooper Blanton says it's not the state penalties for driving uninsured that's an issue. In fact, he says the penalty for not having insurance can be harsher than driving under the influence, if it's enforced.
Travis Mattox was in the pizza delivery business when his car was totaled. He figures he was losing $250 a week for months. Collateral damage that goes on long after the accident.
To see the study by the Insurance Research Council, visit http://www.insurance-research.org/research-publications/uninsured-motorists-2011-edition-march-2011