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 information and descriptions on this site are general in nature. The coverage afforded for a particular loss depends on the specific facts and the terms, exclusions, and limits of the actual policy. Nothing on this site alters the terms or conditions of any policy, as the policy controls coverage. Coverage options, limits, discounts, deductibles, and other features are subject to underwriting criteria, state availability, and effective dates. Coverage provided and underwritten by NJM Insurance Company and its subsidiaries, 301 Sullivan Way, W. Trenton, NJ 08628.