The Consequences of an Expired Car Insurance

A car is a huge investment that’s why you have to protect it with car insurance. In relation to this, every state has set minimum requirements for car insurance. What’s important to take note of here is the fact that having car insurance (if you have a car) is mandatory in every state. If you want to find out what the minimum coverage requirements for car insurance are in your state, you can check with your local Department of Motor Vehicles or any car insurance provider in your state.

So why is it that your state is so concerned that your car is insured? First of all, most accidents are inevitable. In case one happens to you, your car insurance will pay for the damages of your car, and for your hospital bills, too if you get injured. You will just have to pay your deductible afterwards. Without car insurance, how are you going to pay for such expenses? And how are you going to live with the financial stress in the days, weeks, months, or even years to come? This is a perfect example of a law that is simply concerned with your welfare, and it is only wise to follow it. Discontinue driving until you are able to get the required car insurance you need to be considered a legal driver in your state.

Now let us enumerate the possible elements in your nightmare if you get caught without car insurance. In some states, the penalty for driving without car insurance or with expired car insurance is worse than the penalty for driving while drunk. You could risk losing your license for 6 months to a year; pay for a very high fine which has been known to range from $150.00 to $300.00 or more and you may even be required to do community service. Some states will even make you pay for the cost of your court hearing that is equally expensive as the penalty. You could even be required to pay what is called no insurance surcharges that could require you to pay from $100.00 to $250.00 a year for a maximum of three years. This is how important driving with the proper car insurance is to you.

It is possible that your penalties may be lessened if you purchase or renew your car insurance after the date of offense, but usually charges can only be dropped if you’re able to prove that you had car insurance on or before the offense date. With that being said, we can bet you’ll not even think about taking the risk of driving without car insurance.