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Loss of motor vehicle insurance won't stop some

Although driving without motor vehicle insurance is illegal in all but two states, a survey by an insurance provider found that 36 percent of consumers would continue driving even if they were unable to keep their insurance.

In that same survey, nearly one in three consumers said they thought at least 40 percent of drivers on the road today are driving without motor vehicle insurance.

However, insurance experts have put the number of people driving without insurance in the range of 10-15 percent, meaning the new survey could be a statistical outlier.

A report earlier this year by the Insurance Research Council (IRC) found that the recent economic downturn could raise the percentage of uninsured motorists from 13.8 percent in 2007 to 16.1 percent in 2010.

Consumers who can't afford their current insurance policies should consider raising their deductible to $1,000 to lower their premiums, experts say.

States are increasingly cracking down on drivers without insurance with harsher fines and database systems for law enforcement to trace uninsured vehicles.

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