When you get caught driving without car insurance, you may feel like the whole world is against you. It doesn’t matter why you allowed your car insurance to lapse. The penalties will still be just as steep no matter what the reason. However, there are ways to overcome the obstacles that have prevented you from keeping your insurance. Working with the right agent is the best place to start.
Pay Large Fines
If you are given a citation while driving without car insurance, you may have your license suspended and still be forced to pay incredibly high fines. In addition to being forced to pay the penalties for the citations, you will also be fined for not having the mandated state auto insurance coverage. There will also be court costs and a reinstatement fee to get your driver’s license back after the suspension period ends.
You Are Responsible for All Damages
Being involved in an accident without insurance means you will have to pay for all other parties’ damages and medical expenses. This will include repairing or replacing their vehicle and paying for any additional costs they incurred due to the accident.
Pay for Your Repairs and Expenses
In addition to paying for the expenses incurred by other parties, you will also have to pay for your own. Without car insurance, you will have no recourse but to pay for everything out of your pocket. If you have collision or PL/PD coverage, you will still end up paying for your damages. You won’t, however, have to pay for the other party’s damages or medical expenses.
You don’t have to get stuck in the cycle of driving without car insurance. Talk to our experts at Steve Wilk Insurance Agency today! We can get you back on track and help you find the right auto insurance policy for your vehicle.