There are many reasons that drivers choose to go without car insurance. Whether it’s to save money or because they think the expense of paying for coverage isn’t worth the risk of getting into an accident, driving without insurance is always a bad idea.
Not only will you be breaking the law, but you also stand to lose a lot of money if you get into an accident. This is why it’s important to buy a policy before you get behind the wheel, especially if you’ve been convicted of driving without insurance.
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The consequences of driving without auto insurance vary from state to state. Some of them include fines, license suspension, plate confiscation and even jail time.
You’ll also face higher insurance premiums if you’re caught without insurance. The reason that this happens is because insurance companies view you as a high-risk driver.
If you’re in a position to avoid these penalties, don’t do it. Besides a hefty fine, you’ll probably have to pay for your own car insurance and license reinstatement fees. You’ll also likely have to get your car back from the impound lot, which can be costly.
In addition, your insurer could decide that you’re a high-risk driver and refuse to insure you for the rest of your life. This will make it difficult for you to find a policy in the future.
Getting an attorney to review your situation can help you determine which defenses might work in your case. These defenses include:
The driver wasn’t actually driving the vehicle at the time of the crash (if he or she did drive it, then it might not be covered under the policy). This is a common defense that drivers use to avoid getting charged with driving without insurance, but it needs substantial evidence to be effective.
If the driver was under the influence of drugs or alcohol when the accident occurred, he or she might not have to pay for the damages because they weren’t actually driving. This is a common defense that’s used by both new and experienced drivers to protect themselves from being charged with driving without insurance.
The driver was using a vehicle that they borrowed from someone else or if the driver didn’t own the car at the time of the accident, they aren’t required to have insurance. Neither of these defenses will work in a civil lawsuit brought by another driver, so it’s crucial to talk with an attorney before you get cited for driving without insurance.
Some states offer non-owner car insurance that lets you get liability coverage for your rental or borrower’s car. This type of coverage can be useful if you often rent cars or have to show proof of insurance when renting a vehicle.
The majority of drivers should purchase some form of insurance. It’s a great idea to shop around and get multiple quotes. This will ensure that you’re comparing rates and can find a policy that suits your needs. It can also be helpful to compare auto insurance with a financial services company that provides unbiased advice on how to find the right coverage.