The Legal Ramifications of Not Having Car Insurance

by | Feb 16, 2018 | Insurance

Times are tight for a lot of people, and only getting tighter by the day. You have to cut corners somewhere, and hey, you’re a pretty good, safe driver, why not just drive without auto insurance for a bit? An understandable thought process, but a dangerous one. Be very careful if you decide to do this, because it could have some serious legal consequences. If you feel like you can’t even afford cheap car insurance in Peoria, and are considering cutting it to save money, here are the legal ramifications you are putting yourself at risk of by doing so.

#1. Legal penalties

The most obvious consequence is that, well, it’s illegal. In all 50 states, it is now considered illegal to drive without auto insurance. Auto accidents are costly things, and if you get into an accident and don’t have insurance, then someone else has to pay the fine. And in some cases, it could be the person you collided with. So not only have you totaled someone’s car, and put them in a financial hole, but now you may even face jail time, depending on what state you live in. The consequences for driving without insurance vary from state to state, but they’re generally very harsh punishments.

#2. License suspension

While the actual punishment may vary, one penalty that’s common across the states is that your driver’s license is suspended for several months. Months that you may have planned to visit family, go job hunting, or any other number of things that you planned to do. And now they’ve become significantly harder and more expensive in the long run, because you were caught driving without insurance.

#3. Multiple tickets and fines

If you are the cause of the accident, then you’re going to face a reckless driving ticket at minimum. You might also get a speeding ticket, along with any other ticket that comes as a result of the context of the accident itself. And on top of all of that, driving without insurance is another ticket. That’s at least two to three tickets on your record now. And to top it all off, if your car makes it out of the accident intact, it will still get towed away.

It’s important to remember that having vehicle insurance is not optional, no matter what your situation is. It is certainly better to have it than be caught without it. Visit us at for more details. Like us on our facebook page.

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