Millions of drivers use Texas roads each day, and one in five won't have any auto insurance.

Randall Patterson, who owns a Farmers Insurance Agency in Dallassaid some of the claims his agency takes in are accidents involved uninsured drivers.

"It's due to the economy," Patterson said. "Everyone's trying to cut back. [Insurance] is a cost, so they look at cutting the cost. And, what I always try to tell my customers is don't let one bad day make a bad life."

In Dallas County, the number of uninsured drivers is even higher -- one in four drivers don't have auto insurance.

"Due to the fact that we have a high density in population, the probability of getting into an accident is higher," Patterson said. "It's gonna drive the cost of having insurance in Dallas County higher. Therefore, that 1 out of 4 person probably is not going to be able to afford to pay it."

And, this has an affect on all Texas drivers. When the number of uninsured drivers goes up, so do the rates for insured drivers.

Farmers Insurance agent Joyce Amstutz said she saw this firsthand when her daughter's car was hit by an uninsured driver.

"It's very frustrating," Amstutz said. " Our rates will go up. We pay more to insure drivers out there who aren't insuring themselves."

Patterson explained, "What we have is what they call uninsured or under-insured motorists. So, now we have to carry that extra cost to offset the potential of somebody hitting us that doesn't have any insurance. And, that cost is anywhere from 50 bucks to 100 bucks a year extra."

In 2008, Texas implemented a state verification program, allowing police to tow vehicles of uninsured drivers.

But, some say more should be done.

Amstutz said, "They're not strict enough. You know, I think when you go get your car inspected. I think they need to be stricter and make sure that insurance policy's still in effect."

Patterson agreed, "How many police officers do we have in Dallas versus how many cars do we have on the road? Police officers are already overworked and have higher priority criminal activities to deal with. The laws are there, but there needs to be some kind of method to more consistently enforce the law and help the police."