It is illegal to drive without auto insurance in 49 of the 50 states, including Florida. (New Hampshire is the only state without a direct law requiring car insurance.
It is important to maintain coverage to minimize the legal consequences of lacking insurance. However, the bigger risks occur when you are in an accident.
Here is what you need to know.
What Happens If You Drive Without Auto Insurance?
Each state has laws requiring car insurance or defining the consequences of not carrying it. In most cases, you may lose your license and face suspension. You might also potentially be required to pay fines. Repeated violations can lead to jail time and a revocation of your driving privileges. No matter where you live, it is up to you to understand the rules in your state including:
- What type of insurance is necessary
- How much of each type of coverage is necessary
The minimum liability insurance tends to be rather inexpensive for most drivers, comparatively speaking. This makes it easy for many people to obtain the bare minimum required under state laws. However, this may not be enough protection for you.
The Bigger Loss - An Accident
Let's say you hit a wet patch of pavement while driving, swerve out of control, and smash into another vehicle. There was nothing you could have done to prevent this accident. It could have happened to anyone.
However, in this case, the law may find you negligent for causing the crash. That means you're legally responsible to pay for the losses the other driver suffers. While a minor fender-bender may result in just a few hundred dollars of damage, larger incidents can cost thousands of dollars.
Without liability insurance to cover these losses, you may face legal judgments. This means the court may force you to pay for these losses out of your pocket. If you cannot do so, an individual may pursue legal action against you, perhaps even making claims against your home. This can escalate over time, costing you thousands of dollars — all over an accident.
The easier option is to obtain auto insurance. So, if you don't have coverage, get a quote today!