Auto Insurance — The Consequences of Not Having
It is illegal to drive your vehicle without having auto insurance. It is up to the state to determine the amount of coverage that you must have to legally drive your vehicle. In the long run you will save more money by actually buying auto insurance than trying to skate through without it.
You can’t get your license tags without providing proof of insurance at the Secretary of State first. License tags are required by law in order to drive. Those that have no insurance risk tickets, hefty fines, and may even have their driver’s license suspended.
When someone is busted with no auto insurance by the police it is very possible that your car could get impounded and the expense will be your responsibility to pay. When people drive without insurance, it is the states that end up carrying the brunt of the burden. It is a very smart move for you to think about getting car insurance because it does protect you.
Drivers that operate without insurance are placing themselves in very compromising situations in the event of an accident. Drivers with no insurance risk losing their vehicle and also open themselves up to the prospect of being sued.
All parties involved in an accident, including passengers in your vehicle can, by law, take you to court for any expenses that they may have incurred. With auto insurance these people would have been protected as well as yourself.
Once your deductible is met the insurance company will pay for additional expenses to fix your car. The insurance company will help you buy a new car if it turns out that your car is totaled.
At some point, everyone that decides to drive without insurance is going to need to buy it, even if for a short period of time. There is a database that lets all insurance companies know who has been driving without insurance.
These people are considered to be high risk and while they can still buy insurance it is often probationary and extremely costly. When you drive without insurance the cons definitely outweigh the pros.