http://www.sfgate.com/cgi-bin/article.cgi?f=/g/a/2012/05/07/investopedia80787.DTL
According to the Discovery Channel, there are approximately 6.2 million auto accidents a year. This fact along with an average of 3 persons involved in a accident gives a 1/16th chance of being in a wreck this year. South Carolina you can be uninsured, with a $500 fee but only 41 people paid that last year.
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