Driving Without Insurance – What Are The Penalties?

Reader’s Question:

I recently got involved in a car accident with someone and I had no auto insurance coverage. The other vehicle had uninsured motorist coverage. Whats going to happen?

George

Houston, TX

I am sorry to hear about what happened. The specific penalties differ from state to state for driving without insurance and/ or being involved in a car accident without car insurance. You may be held personally liable for the damages you caused even if the other person had insurance. Additionally, you will be subject to some financial responsibility rules that is enforced by your state.

I would really suggest that you contact a lawyer to determine your liability exposure and you may also contact your local driver’s license office to know what action(s) may be taken against your license.

You will also need to find out the insurance status of the other motorist through the local authorities (police report and/or investigation)

Will my License Be Suspended if Caught Driving Without Insurance

Reader’s Question:

I just want to know if there is a suspension that is mandatory for driving without insurance?

Kaye

Thank you for asking Kaye.

Driving without insurance is considered a serious offense in most states. The penalty for this kind of infraction varies from state to state. This can include large amount of fines, suspension or revocation of your drivers license, impoundment of your vehicle (and payment of storage and towing charges incurred), jail time or community service. Most states, for instance, New Jersey, the mandatory penalties for a person found driving without insurance are even greater than those for a person receiving a DUI citation for the first time.

It is regulated by each state.

It is also likely that you will have to comply with the state’s financial responsibility laws by getting an SR22 or the Financial Responsibility Certificate.

Goodluck!

MariCAR