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Driving Without Insurance

In addition to being a legal requirement in most states, car insurance is an important part of financial wellbeing. If you cause an accident, you could be responsible for damages. Car insurance helps you to save money in the long term, in case you ever need to use it.

What happens if you get into a car accident without insurance?

If you get in an accident and are found responsible for the damages, you would have to pay the cost to repair damaged vehicles and medical bills incurred by injured individuals.

Is it illegal to drive without car insurance?

Every state has financial responsibility laws that require drivers to have the ability to pay for property damage or bodily injury they cause by driving a motor vehicle. In most states, these laws require drivers to have car insurance.

What are the consequences of driving without car insurance?

In states where car insurance is required, you could be fined, have your license suspended, or receive points on your driving record. It's best to check your state's official department of insurance or motor vehicles website for specific information about the penalties that apply in your state for driving without insurance.

What should you do if you have a lapse in your car insurance?

If you think your insurance has lapsed, or canceled, you should immediately contact your insurance provider. However, until it is reinstated, you are uninsured and should not operate any vehicle.

A lapsed policy may become active again if you fulfill the terms and conditions of the policy. Call your insurance company to learn more about your options.

The content on this page is intended for informational purposes only. It is not an insurance policy, and does not, in any way, replace or modify the definitions and information contained in individual insurance policies. Terms and coverage availability may vary by state, and exclusions and deductibles may apply. Discounts also vary by state and may not be applied to all policy coverages. Coverage for an accident or loss is subject to the terms and conditions of the insurance policy applicable to a particular claim.