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Wednesday, June 22, 2022

What Are the Risks That Are Associated With Driving Without Insurance?

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There are around 229 million Americans who have their driver’s licenses and together, they drive over 3.2 trillion miles a year! Because we’re so heavily dependent on cars, it’s likely that you’re part of this demographic.

Being a driver doesn’t just involve having a license and a vehicle though. 49 states require you carry an active car insurance policy as well.

You might want to skate by without insurance to save a few bucks. But it’s not worth it at all.

Read on to find out what the consequences are for driving without insurance.

Fine and Jail Time

In most cases, you’ll need to pay a fine for not having auto insurance. Depending on your driving record and where you’re caught, you may even receive jail time.

Expensive Costs

If you get into an accident, you won’t have coverage from an active policy. You’ll have to pay fully out of pocket for things like medical bills and car repairs. All this can quickly add up.

Points on or Suspension of Your Driver’s License

You’ll receive points on your driver’s license for not having insurance. With enough points, you might even get your license suspended, as well as your registration and plates.

When you do sign up for auto insurance, these points will count against you. As a result, your premiums will be higher.

Impounding of Your Car

If you get your license suspended, then you can’t legally drive anymore. This means your vehicle will be impounded and it’ll cost a handsome fee to get it back.

In some cases, you’ll need to appear in court. There are associated fees here, as well as reinstatement fees if you want your driver’s license back.

Not to mention, you’ll need to take time off of work to appear in court. Can you afford to lose your income?

An SR22 Requirement

If you’re caught driving without insurance, then you might be required to file an SR22, which is also known as a certificate of financial responsibility. You need to file this extra paperwork with the state to prove you have car insurance.

Not only is this a hassle, but your insurance rate will go up since you’re considered a high-risk driver.

If you do need to file, then shop around for the cheapest SR22 to save.

No Peace of Mind

This is often overlooked, but a serious consequence of driving without insurance is anxiety. Do you really want to be looking over your shoulder constantly every time you drive? You’ll drive yourself crazy with knots in your stomach every time you’re on the road.

If you take out good insurance, then you’ll have peace of mind.

It’s Not Worth Driving Without Insurance

Driving without insurance might initially save you some money. But the anxiety and resulting consequences aren’t worth it at all.

So be proactive and protect yourself and others on the road by getting adequate car insurance coverage.

Keep browsing our blog page for more interesting articles to read.

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