Driving without auto insurance is extremely risky because you may end up owing a lot of money if you get into an accident. Jail time is possible in a worst-case scenario — in addition to bankruptcy and your license being suspended if you are found responsible and required to compensate other parties. As such, the repercussions of driving without auto insurance are severe and potentially life-changing. Here are some possible consequences you might face:
Fines in the Form of Fees or Penalties
When caught driving without automobile insurance, you are likely to face fines that go towards various fees and penalties. In such cases, the amounts depend on factors such as whether your offense is a summary or default conviction. Another consideration would be if, for example, you are convicted of driving without coverage as a first offense. In such a situation, the penalty may be relatively low, but if you fail to pay it within the specified time, it is likely to increase.
Paying for Losses and Other Damages
If you cause an accident, the law requires that you pay for any damages caused to third parties and their property. You might also be required to pay for your vehicle repairs if it was damaged in the accident. This can be especially expensive and financially damaging to drivers without automobile insurance because they are forced to pay for these costs out-of-pocket.
Criminal Offense Charges
In some states, misdemeanor charges can be brought against you for driving without insurance, and you may face time in jail. This is especially severe if you are found responsible for the crash because it demonstrates further negligence.
Suspension of License
Driving without auto insurance is a serious offense, and motorists must face the consequences of their actions. Notably, your driving license may be suspended for a specified period, after which you need to go through a predetermined process to get it back. In addition to the inconvenience of not being as mobile as you would be if you were allowed to drive, getting your license back is a legal procedure that takes time and comes at a cost.
You are required to pay substantial fines and penalties if caught driving without auto insurance. Fortunately, you can spare yourself from these expenses and other personal costs by ensuring that your car insurance policy is up-to-date. It is also wise to get quotes and policy details from several companies to help you make an informed decision and take advantage of available savings such as discounts and special offers if their services are favorable.
To learn more about your options for car insurance, contact an auto insurance provider in your area today.
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