Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

Full Bio →

Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jul 19, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.


As if the case for uninsured motorist coverage wasn’t made by common sense alone, a survey recently released by the Substance Abuse and Mental Health Services Administration revealed an estimated 30.6 million people drove under the influence of alcohol in the past year.

Another 4.3 percent (an estimated 10.1 million people) drove under the influence of illicit drugs during the same time period.

Driving under the influence of drugs or alcohol greatly increases the chances of causing an accident resulting in bodily injury or property damage to others.

Per the study, between five and 25 percent of drivers involved in motor vehicle accidents tested positive for drugs, and 18 percent of motor vehicle deaths involved drugs.

Additionally, in 2008, 32 percent of all traffic-related deaths were the result of alcohol related crashes.

The Midwest states appear to have the highest rates of drunk driving, with Wisconsin (23.7 percent) and North Dakota (22.4 percent) the worst offenders.

Meanwhile, the Northeast has the highest incidence of drugged driving, with Rhode Island (7.8 percent) and Vermont (6.6 percent) leading the way.

How This Affects You

Most auto insurers have an exclusion in their insurance policies that relates to drunk driving.

This means the insurer has the right to deny a potential insurance claim if the at-fault driver is found guilty of committing a crime, which certainly includes drunk or drugged driving.

So if you’re injured or your property is damaged by a drunk driver, you would need to have uninsured motorist coverage on your policy in order to collect for damages.

Something to think about…if you do not have this coverage or aren’t sure, consult your independent agent or car insurance company to verify the coverage is in place.

If not, you would have to sue the at-fault driver and hope to collect any awarded damages directly from them. Good luck with that!