It’s Illegal to Drive Without Car Insurance
In most places, drivers who own a registered vehicle must carry a certain amount of car insurance to legally get behind the wheel. Each state has its own minimum coverage requirements drivers are expected to follow.
Driving without auto insurance is illegal in 48 states.
Penalties for Driving Without Car Insurance
“The penalties for driving without car insurance vary from state to state,” says Falen Cox, legal partner at Cox, Rodman & Middleton. “In addition to possible arrest, jail time, fines, and impound fees for lack of car insurance, the state may suspend the registration of cars without insurance,” adds Cox.
Getting Into an Accident Without Insurance
Getting into an accident without insurance is a serious offense, and you’re going to face both legal and financial repercussions.
If you get into an accident and you don’t have insurance, you’re going to pay a large fine, your vehicle will get towed, and you could lose your license, among other things. It’s also very likely you will end up in court, which means you should obtain legal counsel.
How Much Insurance Coverage You Need
Every driver has different car insurance needs. In most states, drivers must carry a minimum amount of personal liability insurance, which pays for another driver’s medical bills and property damage if they cause an accident.