Driving Without Car Insurance

If you’re driving without car insurance, you could be gambling with your future. Not only could you be sued for damages if you cause an accident, but you could lose your license to drive as well.

Most states mandate that drivers carry some form of car insurance, although minimum requirements vary from one state to another. You may think the car insurance quotes are too high, but after you consider the costs of driving without insurance, you’ll probably change your mind.

The consequences of driving uninsured can quickly spiral out of control. You don’t have to be a bad driver to cause an accident. All it takes is a single moment of distraction. Even if you’re not at fault, when the police arrive at the scene of the accident, you could stand to lose your license when you’re driving without insurance.

If you lose your driver’s license, you’ll have to make other arrangements for getting to work, school, and other activities. It can be embarrassing and put a real damper on your social life if you can’t get around on your own. You could stand to lose your job and lose touch with your friends and family when you don’t have transportation.

Chances are your state authorities will require you to show proof of insurance before your license can be reinstated. Known as a Certificate of Insurance, Certificate of Financial Responsibility, or SR-22, some form of documentation must be provided and filed with the state by your insurance company before you can drive again.

Not only is it costly to file the documents with the state, but it could end up costing you more for your next car insurance policy. Insurers who might cover you will probably treat you as a high-risk customer, since you’ve driven without insurance in the past. If you let your car insurance policy lapse at any time, your insurance company will be required to notify the state. When you reinstate your policy, you’ll have to file another SR-22, resulting in even higher costs.

What happens if you drive on a suspended license? The court sees this as a serious offense, similar to contempt of court or violating a court order. You could be sentenced to prison or ordered to pay hefty fines or both. There will certainly be a number of trips to the courthouse, and multiple fines to pay at the least.

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