Driving Without Insurance
Even though it is illegal in almost every state to drive without auto insurance, many drivers choose to drop their auto insurance when they are faced with financial difficulties.
In some cases, drivers can afford insurance but prefer to play their odds that they will never need it.
This, however, is never a good idea.
If an uninsured driver is involved in a moving violation or an accident, the financial and personal repercussions can be devastating, especially if the accident causes serious damage or injury.
Drivers who are caught driving without insurance will face fines and, in some severe cases, jail time.
When a driver without insurance causes an accident, the problems arise for the driver and the passengers in the other cars involved.
Even if the other driver has insurance, they will have to try and seek repayment from the uninsured driver.
Typically, this can involve legal action, and there is no guarantee that the uninsured driver has enough assets to cover the losses.
Some accidents can cause severe damage to both the cars and the drivers, leading to lasting health problems, medical bills, and major inconvenience.
Some states require drivers to purchase uninsured motorist insurance.
However, the insured driver will still be punished if they ever submit claims for being hit by an uninsured driver.
Their driving record will be damaged and their insurance premiums will likely rise because of the high claims.
Drivers who do not have insurance are not only hurting themselves, they are making things more difficult for every other driver on the road, including the responsible ones.
If drivers without insurance decide to purchase insurance or are forced to after being caught uninsured, they will be penalized by their new insurance company for having a lapse in coverage.
This will usually negate any savings they might have accrued by not paying for insurance in the past.
Most insurance companies consider these drivers to be high risk and irresponsible and will charge higher premiums.
The best way for drivers to ensure that they can afford insurance is to shop around and compare quotes from different companies before buying coverage.
Even having only the minimum coverage required is better than having no insurance at all.
In some cases, drivers can afford insurance but prefer to play their odds that they will never need it.
This, however, is never a good idea.
If an uninsured driver is involved in a moving violation or an accident, the financial and personal repercussions can be devastating, especially if the accident causes serious damage or injury.
Drivers who are caught driving without insurance will face fines and, in some severe cases, jail time.
When a driver without insurance causes an accident, the problems arise for the driver and the passengers in the other cars involved.
Even if the other driver has insurance, they will have to try and seek repayment from the uninsured driver.
Typically, this can involve legal action, and there is no guarantee that the uninsured driver has enough assets to cover the losses.
Some accidents can cause severe damage to both the cars and the drivers, leading to lasting health problems, medical bills, and major inconvenience.
Some states require drivers to purchase uninsured motorist insurance.
However, the insured driver will still be punished if they ever submit claims for being hit by an uninsured driver.
Their driving record will be damaged and their insurance premiums will likely rise because of the high claims.
Drivers who do not have insurance are not only hurting themselves, they are making things more difficult for every other driver on the road, including the responsible ones.
If drivers without insurance decide to purchase insurance or are forced to after being caught uninsured, they will be penalized by their new insurance company for having a lapse in coverage.
This will usually negate any savings they might have accrued by not paying for insurance in the past.
Most insurance companies consider these drivers to be high risk and irresponsible and will charge higher premiums.
The best way for drivers to ensure that they can afford insurance is to shop around and compare quotes from different companies before buying coverage.
Even having only the minimum coverage required is better than having no insurance at all.