You’re driving home from a long day at work when all of a sudden you hear the familiar sound of police sirens behind you. After a few minutes, you realize the person the police are tailing is you.
It’s not until the officer asks you if you know how fast you were going that you notice you were driving over 10 miles above the speed limit. You come out of the ordeal with two tickets.
One for speeding and one for not having insurance.
Is it illegal to drive without car insurance? The answer is yes in most states. Keep reading to learn more about the rules of the road.
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The Purpose of Insurance
Before we get into the legalities of insurance, let’s talk about what its purpose is. When you get into a car accident while uninsured, you’ll have to pay out of pocket for your damages and injuries.
If the court rules that the entire incident is your fault, you’ll be responsible for the other person’s injuries as well. This is why it is illegal to drive without car insurance.
Is it Illegal to drive without Car Insurance?
If you’re living in New Hampshire, you won’t be required to have insurance, but if you get into an accident, you’ll have to pay for the financial damages. You can pay the state of Virginia 500 dollars a year if you don’t want to get insurance. You will not have any financial protection in the event of a crash if you decide to go this route, though.
In every other state, you’ll have to pay a great penalty for driving without insurance.
What Happens if You’re Caught Driving Without Insurance?
Failing to drive without insurance could net you jail time. You may also have to pay a fee, get points put onto your license, or face license suspension. It all depends on the rules in the state where you live.
If you get into an accident that’s not your fault, you might be limited on the amount of financial compensation that you can get from the other person if you don’t have insurance.
Do You Need Insurance to Drive Another Person’s Car?
There is a little bit of a gray area here. As long as you have the person’s permission to drive their car, you should be fine if they have insurance. It all depends on their policy from this auto insurance company.
If neither you nor the person who owns the car has insurance, you both may face penalties.
Get Yourself Insured Today
Is it illegal to drive without car insurance? In most states, the answer is yes. Having insurance protects both you and other drivers on the road in the event of an accident.
If you don’t have it, and the crash was your fault, you’ll be forced to pay for the other person’s medical bills and damages. Buying insurance can be expensive, but it’s not as bad as paying those kinds of penalties.
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