Is It Illegal to Drive Without Car Insurance?

According to the latest statistics, there are approximately 1.5 million people in the United States that drive without any car insurance. That is a staggering number of uninsured drivers on the road. So why is it such a bad idea? Is it illegal to drive without car insurance? You’d better believe it. The law requires that every driver with a car have the minimum required car insurance. It varies from state to state but most require at least liability insurance to protect the other drivers.

So exactly why is it illegal to drive without car insurance? Because driving without car insurance can leave you wide open for a whole set of problems, both legally and financially. It is also irresponsible because you are putting not just yourself and your property at risk but also the other drivers. If you are involved in an accident and do not have insurance, then you have no means of covering any damages or medical costs for yourself and others. If you are still not convinced, check out these questions.


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Is It Illegal In Every State?

illegal-car-insuranceIf you are asking yourself if it is illegal to drive without car insurance in every state in the U.S., the answer is yes. Even though some of the specifics may change such as minimum state requirements, you must be covered in order to legally drive.

Are There Any Fines For Driving Without Insurance?

If you are pulled over by a police officer and you do not have adequate insurance on your car, you are going to be facing a hefty fine. Usually, for no insurance the fine can be anywhere from $500 and up. If you receive a traffic violation for anything else, then you are looking at a pretty significant amount of money you’ll have to pay.

Can I Lose My Drivers License?

If you are caught driving without insurance, for a first time offense you could lose your license but more than likely it will just be a fine. However, if you are caught a second time without proper insurance, then you will definitely have your license and vehicle registration suspended. This could be anywhere from 6 months to a year. Plus, you will have to pay an even bigger fine and your car will likely be impounded.

If I Am Caught, Can I Go To Jail?

Drivers that have multiple violations for not having proper car insurance could be looking at jail time. Besides the suspended license, fines, and vehicle impoundment, you could spend up to a year behind bars. It varies from state to state, but any time spent in jail is going to go on your permanent record and will follow you around for the rest of your life.

If I Am In An Accident, Can The Other Driver Sue Me?

no-car-insurance-fineProbably the worst case scenario for a driver without insurance is to be involved in an auto accident. Because you do not have insurance, you will have to pay out of pocket for any damages to the other vehicle, be responsible for any medical costs to the other driver, and have to pay for repairs to your own car. You will also been a likely target for a lawsuit, especially if anyone was hurt.

Do I Need Proof Of Insurance For Anything Else?

As if all of the above is not enough to convince you, proof of car insurance is required for other things. Generally, you need insurance to purchase a car from a dealership. They don’t like to turn drivers loose with a new car that is not covered. Also, you need proof of insurance to renew your driver’s license and your vehicle registration.


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