Driving without Insurance

Driving without Insurance
If you currently own and operate a vehicle, you probably know how important it is to maintain auto insurance. But did you know driving without insurance can be a crime? Indeed, most states have laws that require drivers to maintain coverage for their vehicle; and, as with all laws, there are penalties for violating them.

Known as a type of “financial responsibility” law, the auto insurance requirement protects not just you, but all drivers, from unwarranted property damage and medical expenses. To understand this better, consider the following: although the person who caused the accident is responsible for all of the expenses that result from it, he or she may not have the means to pay for them. That’s where auto insurance comes into play.

As an example, imagine you were involved in a serious auto accident that destroyed your vehicle and left you severely injured. The other driver was found liable for the accident, but he simply cannot afford to replace your car or compensate you for your injuries—you’re now stuck with the bills. It’s certainly not a pretty picture, is it? If that same driver has auto insurance, however, his insurance company will take care of your expenses, so you are not left paying for an accident that wasn’t your fault.

Although some states do not require auto insurance, the laws in these areas do require drivers to demonstrate proof of financial responsibility. In other words, you must carry forms such as certificates of deposit, surety bonds, or a self-insurance certification in order to prove you have the means to pay for any expenses if you cause an auto accident.  

So what happens if you choose to drive without insurance or the required documents in your area? In addition to receiving a fine of $100 or more, your license may also be suspended for up to one year—and this is for a first offense.  Some states may also fine you if you cannot show proof of insurance (such as your insurance card or policy documents)—even if you are a valid policyholder.

In addition to legal punishments, driving without insurance can also affect your driving record, as well as your future auto insurance rates. Your financial future may also be impacted if you are involved in an auto accident. If you were recently caught driving without insurance, you should discuss your case with an attorney immediately. An experienced attorney will be well-versed in your state’s insurance laws, and how they apply to your case. Know your options. Contact an attorney in your area today for a consultation.

States and Cities:
AK Alaska, Anchorage LA Louisiana, New Orleans OH Ohio, Cincinnati
AL Alabama, Montgomery MA Massachusetts, Boston OK Oklahoma, Tulsa
AR Arkansas, Little Rock MD Maryland, Baltimore OR Oregon, Portland
AZ Arizona, Phoenix ME Maine, Portland PA Pennsylvania, Philadelphia
CA California, Los Angeles MI Michigan, Detroit RI Rhode Island, Providence
CO Colorado, Denver MN Minnesota, Duluth SC South Carolina, Charleston
CT Connecticut, Hartford MO Missouri, Branson SD South Dakota, Sioux Falls
DE Delaware, Wilmington MS Mississippi, Jackson TN Tennessee, Nashville
FL Florida, Orlando MT Montana, Bozeman TX Texas, Houston
GA Georgia, Atlanta NC North Carolina, Charoltte UT Utah, Salt Lake City
HI Hawaii, Honolulu ND North Dakota, Fargo VT Vermont, Burlington
IA Iowa, Des Moines NE Nebraska, Omaha VA Virginia, Richmond
ID Idaho, Boise NH New Hampshire, Portsmouth WA Washington, Seattle
IL Illinois, Chicago NJ New Jersey, Newark WI Wisconsin, Milwaukee
IN Indiana, Indianapolis NM New Mexico, Albuquerque WV West Virginia, Charleston
KS Kansas, Kansas City NV Nevada, Las Vegas WY Wyoming, Cheyenne
KY Kentucky, Lexington NY New York, New York DC Washington DC