What Will Happen if I Drive Without Insurance?

January 18, 2008 by maricar · Leave a Comment
Filed under: Driving Without Insurance

Reader’s Question:

What will happen now if I received a ticket for speeding and driving without insurance?

Tom

Thank you for asking Tom.

State laws and jurisdictions vary considerably, so obviously we will not be able to provide the exact cost that you may incur with this problem. Even if you are driving without a license, you still have a driving record that will be impacted with these charges. These moving violations will show on your driving record.

Insurance companies sometimes use entirely different quote systems to handle potential customers who are already insured and those who don’t have insurance. You can expect to pay higher rates for the speeding ticket and additional rate hikes for having been ticketed for driving without insurance.

Each insurance provider has their own rating system and point values that are assigned for each type of violation or claim. Most minor violations count as two (2) points, for major violations count as three (3) points and serious violations like driving under the influence (DUI) or driving while intoxicated (DWI) may count as high as six (6) points. This is will not always be the case, because there are many factors that go into generating your insurance rate.

You will be required to pay the penalty to the state for the violation and your insurance costs may increase because of the added points on you driving record. You can get more information about your specific state laws and infractions by visiting your state’s Department of Motor Vehicle website.