New York is a ruthless place for drivers. With bumper-to-bumper traffic, gridlocked streets and constant construction, driving has become more of a burden than a benefit. Because of these factors, New York is regarded as one of the most accident-prone states, which is bad news for the average 1 in 7 drivers who do not have insurance. Shockingly, an estimated 13.8% of motorists are uninsured, despite their annual $10.8 billion owed in damages to insured drivers.