auto insurance next exit road sign

Let’s be real. No one wants to pay for car insurance. But in most states, you have to. Mark your calendar for National Insurance Awareness Day on June 28th. It’s the perfect time to remind drivers to check if their policy is current and that they’re getting the coverage they need. If a driver forgets to renew their policy or if it lapses, leaving them without coverage, they could face consequences for driving without insurance.

Is car insurance required by law?

Car insurance laws vary by state, so if you’ve recently moved to a new state, you should find out its requirements for auto insurance. Drivers caught without insurance in a state that mandates car insurance are breaking the law, which could cost them more money and penalties in the long run. 

What happens if I don’t have auto insurance and I cause an accident with someone?

You would be liable for the damages you caused. Without insurance to protect you, you could be sued and ordered by a court to pay money damages for the bodily injury and/or property damage you caused. You could also be ordered to buy and maintain automobile insurance that is certified by an SR22.

What happens if I don’t have auto insurance and someone else causes the accident?

Generally, the at-fault party and/or his or her insurer will be responsible for paying the damages caused. However, depending on the state you live in, there could be limits on your right to sue or recover from the at-fault driver. Some states have “no pay, no play” laws, which state that uninsured motorists can’t recover for certain damages. For example, in Louisiana, you would be prohibited from recovering the first $15,000 of your bodily injury damages or $25,000 of property damages.

What are some other consequences of driving without insurance?

Keep in mind, that even if you have insurance, you may have to show proof of insurance to an officer, otherwise, you could be facing even more fines. Be sure to keep a copy of your policy ID card in your car or a digital version on your cell phone at all times. If necessary, request an SR-22 to guarantee you will meet the minimum car insurance requirement. Some other consequences of driving without insurance may include:

  • Potential jail time
  • Heavy fines and penalties from tickets and fees
  • Driver’s license suspension and reinstatement fees
  • Vehicle registration suspension
  • Car impounded
  • Increase in insurance premiums

At Direct Auto & Life Insurance, you can get the coverage you need, the services you want, and the respect you deserve, regardless of your insurance history. Looking to get a policy now? We can help. Call 1-877-GO-DIRECT, Click, or Come in to speak with one of our friendly agents for a free quote, potential discounts, and more!

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