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Uninsured Drivers Break the Social Contract of the Road

There is a basic social contract on our roads. When you drive, you agree to be responsible for the space you occupy. Insurance is the way we back that promise up. When you are out on the road, you are relying on the fact that every other driver has the common sense to handle their own risks. Selfish people can turn a simple mistake into a catastrophe for everyone involved, since they’re driving thousands of pounds of steel at high speeds.

When you encounter someone who refuses to carry coverage, it is a breakdown of that common sense. They are choosing a personal shortcut that creates a massive headache for everyone else. It is a letdown when people think first about saving money while creating a significant problem for others. It is the difference between owning your actions and just hoping for the best.

This behavior turns a simple mistake into a long process of paperwork, cost, and lost time, where you are left trying to make sense of someone else’s lack of foresight. It is frustrating to have your day hijacked because someone else decided to be reckless with their responsibility.

How Common Is It?
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More common than most people think. The Insurance Research Council has estimated that roughly one in seven drivers in the U.S. is uninsured, and the rate is much higher in some states. Almost every state requires drivers to carry liability insurance, but requiring it and enforcing it are two different things.

When an uninsured driver causes a crash, the costs don’t disappear. They get pushed onto the person who got hit, their insurance company, and eventually all of us through higher premiums. In other words, you’re already paying for uninsured drivers whether you like it or not.

Protect Yourself Anyway
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Since you can’t control who else is on the road, the practical move is to make sure your own policy has your back:

  • Uninsured motorist (UM) coverage pays for your injuries and, in some states, your car’s damage when the at-fault driver has no insurance. Some states, including Illinois, require it on auto policies. Even where it’s optional, it’s worth having.
  • Underinsured motorist (UIM) coverage kicks in when the other driver has insurance, but not enough. State minimum liability limits are often low, and a serious crash can blow past them quickly.
  • Collision coverage fixes your car regardless of who’s at fault, minus your deductible. If an uninsured driver hits you, this may be the fastest way to get back on the road.
  • Check your limits. Minimum coverage is the bare legal minimum, not a recommendation. Ask your agent what higher limits would cost. It’s often less than you’d expect.

If you’re ever in a crash, call the police, get a report, take photos, and get the other driver’s information, including their insurance card. If they don’t have one, that report will matter a lot.

Being a Good Neighbor on the Road
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We should all aim to be the kind of people who don’t crash others’ plans. At the end of the day, being a good neighbor means being prepared for when things go wrong, so the people around you don’t have to pay the price for your choices. Insurance isn’t fun to pay for. Neither is a new roof or a smoke detector. You buy it because you’re responsible for more than just yourself.

Corey Fields
Author
Corey Fields
Lifelong Midwesterner (40+ years), rooftop solar owner since 2022, EV driver since 2023, gardener, and road-tripper. Writing about practical living, technology, and the places that make the Midwest home.

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Take Your Foot Off the Gas and Learn The Art of the Coast

Have you ever been driving along on the interstate and see the brake lights of the car in front of you briefly come on for seemingly no reason? I know I do. I call it “phantom braking.” Most of the time, the driver would have known traffic was slowing down. They had the opportunity to simply ease off the accelerator, allowing the vehicle’s natural momentum to carry it forward at a reduced speed. Instead, they chose to hit the brakes, creating a ripple effect of sudden stops that can be dangerous for everyone on the road. Learning to coast is one of the simplest ways to become a smoother, more efficient driver. When you see traffic ahead beginning to bunch up, a slow vehicle ahead, or a stop light, take your foot off the accelerator sooner before reaching for the brake pedal. This allows for a gradual reduction in speed that is much easier for the drivers behind you to react to. It creates a smoother flow of traffic, reducing the “stop-and-go” stress that makes highway driving so exhausting. Why One Tap Causes a Traffic Jam # Traffic engineers have a name for what happens next: a “phantom traffic jam.” When one driver brakes a little harder than they needed to, the driver behind them brakes a little harder still, and so on down the line. A few cars back, someone comes to a complete stop for no visible reason. Researchers have even recreated this on a circular test track, where drivers going in a circle with no obstacles at all still created stop-and-go waves just from small, uneven braking. Smooth drivers who leave space and ease off early can absorb those waves instead of passing them along. Coasting works best with room to do it. A good rule is to keep at least three seconds of following distance between you and the car ahead. Pick a sign or overpass, and when the car in front passes it, count. If you reach it before you get to three, back off. That space is what lets you lift off the gas and slow down gently instead of reacting at the last second. Coasting in an EV # I’ve been driving an EV since 2023, and coasting works a little differently there. Most electric vehicles use regenerative braking. When you lift off the accelerator, the electric motor runs in reverse like a generator, slowing the car and sending some of that energy back into the battery. Many EVs offer a “one-pedal driving” mode where lifting off the accelerator slows the car firmly enough that you rarely need the brake pedal at all in normal traffic. That makes coasting even more rewarding in an EV. Every slowdown you plan ahead for puts a little range back in the battery instead of turning it into heat in your brake pads. It also means the brakes on many EVs last a very long time. The same habit works in a hybrid, too, since hybrids also use regenerative braking. Beyond the safety and comfort factor, coasting is just plain practical. For gas-powered vehicles, it saves on fuel by reducing the constant cycle of acceleration and braking. For EVs, it’s also more efficient, as it preserves battery life and maximizes range. It also puts significantly less wear and tear on your brake pads and rotors, saving you money on maintenance down the road. Next time you see a slowdown ahead, try to coast for a while. It might clear up before you even need to reach for the brakes. It’s better for your car, better for your wallet, and a lot smoother for your neighbors.

Shining a Light on Inconsiderate People

We often hear the old saying that good fences make good neighbors, and that principle applies to more than just property lines. In a shared space like a theater, the rules are the fence. They exist to ensure that everyone can enjoy the experience they paid for without distraction. When someone chooses to ignore those boundaries by constantly using their phone, they are tearing down that fence for everyone else. It is a matter of basic consideration. If you are going to be in a public space, it is your responsibility to respect the common ground and the shared experience of the people sitting next to and behind you. I was at a play recently and experienced this distraction from the actual performance. About halfway through, the person sitting in front of me started treating their phone like it was the main attraction. They were constantly pulling it out to take pictures or videos and replying to texts. Every time that light shone in my eyes, it felt like a tiny fence was being knocked over. It was frustrating and I did not want to be further interrupted by an usher having to do the rule enforcement. It just goes to show that being a good neighbor means respecting the shared space we are all in. It is sad how we have reached a point where some people think their notifications are more important than the live art they are paying to see. They are treating the audience like a background for their social media feed. If you cannot respect the fence of the theater rules, maybe you are not the right audience for the show. Artists Are Pushing Back # It’s not just audience members who are fed up. Performers have noticed too. Some comedians and musicians now require audiences to lock their phones in small pouches at the door, and the phone is only unlocked when you leave or step out to a designated area. Broadway actors have stopped mid-scene to call out people filming them. Plenty of theaters now play a pre-show announcement that’s longer and more pointed than it used to be, because the polite version wasn’t working. It says something when the people on stage have to enforce manners. They’re giving a live performance that will never happen exactly the same way again. The least we can do is watch it. Simple Rules for Being a Good Audience Member # None of this is complicated, but it’s worth spelling out: Silence it and put it away. Not face down on your lap. Away, in a pocket or bag. Don’t film or photograph the performance. It’s usually against the rules for copyright reasons, it distracts the performers, and your blurry video is never going to be as good as the memory. If you must check it, leave. An emergency is an emergency. Step out to the lobby where your screen won’t light up the row. Turn off the smartwatch notifications too. A glowing wrist is just a smaller phone. Take your photos before and after. The stage, the set, the marquee, and the people you came with are all fair game before the lights go down and after the curtain call. Showing consideration to others in shared spaces is part of Midwestern values. Let’s try to be better neighbors. A little consideration goes a long way!