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Car Accident Yet no Insurance? Top 5 Facts You Need to Know

When it comes down to it, there really is no excuse for driving without insurance. However, sometimes oversights happen, a policy could fail to overlap, or could lapse without your knowledge, or perhaps you were driving and were genuinely under the impression that you were covered.

No matter what the reason or circumstance, driving without insurance could land you in hot water and deep trouble. And if you’re in a car accident without insurance then you could face fines, a huge legal case against you for damages, you will probably loose your license and even face a prison sentence. The last thing you want to be saying is – I got in a car accident without insurance – so click the link for more information about the legalities.

So, when it comes to driving without insurance, what other facts should you be aware of? Read on to find out more.

You’ll probably get a ticket

Most rules, penalties and regulations vary by state, however there are common penalties that apply everywhere. If you’re stopped by the police and have no insurance, then you’re going to receive a ticket. Although this is seen as getting off lightly, you’ll receive a hefty fine – probably a minimum of $100 – and then you’ll find that any future insurance premiums will increase. So, in the grand scheme of things, driving without insurance really isn’t worth it.

Your license will be suspended

Again despite variations per state, it’s pretty conclusive that if you’re stopped whilst driving without insurance then you’ll have your drivers license suspended. You’re looking between 60-90 days without a drivers license. This could make it extremely difficult to get the kids to school, go to work and just go about your daily life.

Are there any “special circumstances”?

As mentioned above, sometimes oversights happen, and while it probably won’t get you off the hook there is a good chance that the severity of your punishment could be reduced. Potential “special circumstances” that could be plausible include:

Your insurance provider cancelling your policy without warning and without notifying you of any changes

No policy being in place, despite you purchasing cover and paying a premium. This would be the fault of the insurance provider or an error on their behalf.

If you’ve been informed by the policy holder/vehicle owner that the car is fully insured and you can drive it legally.

A genuine reason that you believe you are insured.

Make sure you’re always covered

The most common reason why people drive without insurance is because they allow their policies to lapse and fail to renew in time. To make sure that this doesn’t happen to you, make sure that you always pay your insurance bills on time and that you know when you should be looking to renew. This would also be a good opportunity to see if you can find a cheaper provider.

Next steps

If you’re driving without insurance your next step is find yourself a policy and ensure that you are fully covered. Don’t take the risk.