Why Driving Your Vehicle Without Auto Insurance Is Not A Good Idea

There are several good reasons why you should never drive your vehicle if it is not properly insured. Not only could you face fines and penalties, but you may also even lose your privilege to drive. In other words, there are serious consequences to putting your automobile on the road when you know it is not insured.

It is important to note that the laws regarding auto insurance vary from state to state. You should check with your local jurisdiction to find out the requirements so you do not get penalized or end up with a suspended driver’s license.

Even though the penalties may vary depending on the state you are in, some general consequences are applicable in almost every state.

Suspension Of Driver’s License

A driver can have their license suspended for many different traffic infractions. Some of these reasons are:

Failure to appear in court
Not paying child support
Getting multiple speeding tickets
Getting a DUI/DWI
Not having car insurance

If your license is suspended due to not having car insurance, you may be required to provide proof of insurance with an SR-22 certificate or take a driving class. It is also likely you will have to pay a fee to have your license reinstated.

Ticket For No Auto Insurance

If you are driving a vehicle without insurance, and you are pulled over, you may be able to get the ticket dismissed in court. However, you will have to show the judge or DA proof that you purchased auto insurance soon after you received the ticket.

Keep in mind, this will likely only happen if you had insurance on the vehicle but you did not have the insurance card with you when you got pulled over.

Suspension Of Vehicle Registration

If the registration to the vehicle is suspended, no one will be able to drive the car. This means you nor any family members or friends will be able to legally drive the car on the road. In simpler terms, your state DMV has denied you the privilege of operating that vehicle on any roads.

You will be able to get the suspension lifted after showing proof of insurance, but you may have to pay fines and fees associated with the reinstatement of the vehicle’s registration.

So, to avoid the consequences, the solution is simple. You should never drive your vehicle without insurance. It is financially irresponsible and it is against the law. If the vehicle is paid off, it is still important to maintain liability insurance. Although it has its limitations, it will prevent you from getting a ticket for no auto insurance.

Things To Do If You Get Involved In An Accident With An Uninsured Driver

Occasionally, car accidents happen. In case you’re involved in one, it can sometimes give you peace of mind to know that either your car insurance coverage or the other driver’s, will probably be useful in paying for vehicle damage and medical treatment. Sometimes, however, the other driver might lack any, or enough, car insurance, or perhaps you might not be able to recognize the other driver at all. In such a case, you might have several options.

Uninsured and Underinsured Motorist Coverage

Assuming you are well insured, you’ll most likely have to rely on your insurance company to cover your specific damages when you’re involved in a car crash with an uninsured driver. Uninsured motorist coverage (UIM) is generally an additional coverage that you can obtain from your insurance company. It protects you whenever you get involved in an accident with an uninsured driver who also happens to be at fault for that accident.

Underinsured motorist coverage, just like uninsured motorist coverage, will cater for damages suffered in an accident with an insured driver who lacks enough coverage to cater for vehicle damage, your injuries, and other injuries sustained from that accident. Your underinsured motorist coverage comes in and assists in covering the difference in the overall amount of your losses and the other driver’s coverage.

Filing a Lawsuit

Depending on if you live in traditional negligence or a no-fault state, filing a lawsuit might be an option if you get yourself in such a scenario. In no-fault car insurance states, it isn’t an option to file a lawsuit. Each driver’s insurance is accountable for his damages or injuries, irrespective of who was at fault for that accident.

On the other hand, you might file a lawsuit against the particular uninsured driver if you are in a traditional negligence state. However, there’s no guarantee that you’ll be able to receive any settlement since most uninsured or underinsured people don’t have much money or assets to collect from. In this case it’s best to get representation from a law firm that works on a contingency like Falk & Falk Lawyers.

Collision Coverage

At an extra cost, collision coverage might also be included in your insurance policy. Typically, it will pay to repair your vehicle’s damages suffered in an accident with an at-fault hit-and-run driver or an uninsured driver. Keep in mind; however, that collision coverage won’t cater for your injuries, only the repairing cost of your vehicle (up to your coverage limits).

First Things First!

If you get involved in a car wreck with an uninsured or underinsured driver, your most appropriate action is to report that crash to your insurance company to determine how your coverage applies. In case you’ve sustained injuries that can’t be covered by enough insurance, it might be time to get in touch with an experienced and reputable car accident attorney to discuss your options.