If you are one of those people who think auto insurance is a scam, beware. There could be some major payout in your future. Car insurance is extremely valuable, particularly in today`s society as more and more people find themselves involved in accidents that aren`t even their fault. You can literally be the safest driver around and still end up in a car accident. While it may not have been your fault, you may still be liable for some of the damages and this is where it comes in very handy to have auto insurance.
It Could Be Illegal
Depending on where you live, chances are it`s illegal to drive without insurance, so you`ll want to make sure that you have the minimum required, which is liability. Even in areas where you aren`t required to have insurance per se, you ARE required to have the money to cover an accident. You will need to actually prove that you can pay for damages, should they occur. This could be a big problem if you don`t have much money stored up in the bank.
Most drivers without auto insurance end up doing hit and runs, to avoid being caught, which usually results in jail time. It`s not a good idea to drive without auto insurance, but this isn`t the worst that could happen if you avoid it.
Since driving without insurance or the ability to pay for damages can hold some big consequences, you will want to know what they are in your area. Some states only charge a fine (often in the thousands) or impound your car, but many will include jail time.
Bigger Losses, Bigger Payouts
What happens if you are in a car accident and you haven`t purchased car insurance? You will be in big trouble, to say the least, particularly if the accident is deemed to be your fault. You will be responsible for any injuries and damages involved in the accident, which can grow very rapidly.
Not only will you be penalized for not having the appropriate insurance, you will also be required to pay out of your pocket. This can literally bankrupt someone and it can be extremely bad for your record. You could even lose your license, which negates the need to buy auto insurance after the fact.
A major car accident could end up costing you hundreds of thousands of dollars, plus fines and jail time. It`s really not worth it when you consider how little you would pay each month for peace of mind with auto insurance. Not to mention, if you are the one injured in an accident and the other driver has no insurance, you are really going to be in trouble. You`ll end up having to pay your own medical bills, which, as we all know, can get very expensive, very fast.
Driving without auto insurance could be the biggest risk you`ve taken in your life. While you will be saving money in the moment, there`s no telling when (not if, but when) you will be in an accident and need that insurance. Rather than paying a minimal amount along the way, you`ll end up being responsible for everything all at once and that`s a hit that most bank accounts just can`t deal with.
Rather than risk your savings, it`s far better to invest in auto insurance and simply pay by the month or year, eliminating the need to lose everything when you have a collision. The minimal amount of insurance will keep jail and fines at bay and doesn`t have to be terribly expensive.
Amy Nutt
http://www.articlesbase.com/cars-articles/the-consequences-of-not-having-auto-insurance-576182.html
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Lying about auto insurance??? what are the consequences?
I got in a reck 3 wks ago and I was at fault I ran in her back and busted a tail light about $2500 damage she didn’t have to call ambulance thank god she is ok,we both can drive our cars. I on the other hand, gave the police an insurance paper, and now her insurance company found out that I had no insurance, Now what have I gotten myself in to????
If you have no insurance, you will have to pay for the damages yourself.
It seems unlikely that the police will issue you a citation. They do not check on insurance coverage.
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You will have to pay the cost of damage to both cars>
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trouble. you will have to pay for the damage and pay a fine for not having insurance on your car.. and hope she does not try to sue you good luck
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You will be given a ticket for driving without insurance.
You could also be fined for lying to the police and providing false information.
You will be liable for all the damage to the other person’s car and for any medical expenses. Plus they could sue you for pain and suffering. Just because they didn’t need an ambulance at the scene doesn’t mean they weren’t injured. They could have back or neck injuries. If the person misses work because of their injuries, you could be forced to pay for their missed wages. There is a very good chance that the other person’s insurance company will cover them for all of their losses (car damage, medical bills, lost wages, rental car while their car is being repaired, and pain & suffering settlement), then their insurance company will sue you and have your wages garnished until they have been fully reembursed.
You will recieve no compensation for anything. You will have to pay to have your car fixed yourself, and if you are hurt you will have to pay for your own medical bills.
I recommend you contact a lawyer and start saving your money, you’re going to need it to pay for things. I also hope you learn a lesson about why car insurance is so important.
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Well, first you are going to be out of pocket for $2,500 to fix the woman’s car and whatever damage to yours. Also, you wil probably be charged with driving without insurance if your state has laws against that. Most states do. You probably will not be in any additional problems from presenting the wrong insurance payments. Dumb move on your part, but probably not any more additional charges since presenting the papers didn’t actually create an advantage for you other than delaying the processing of the claim. Hopefully, they were your papers, just out-of-date.
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Driving without insurance
having to pay the bill out of your own pocket
A ticket and fine for driving without insurance. A very expensive mistake.
Points on your license.
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What typically will happen is that the insurance company will contact the PD, to have the accident report amended to show that you do not have insurance.
The file ill land on a traffic detective’s desk, who will follow up on the case. Depending on the "insurance paper" that you give you might survive with a non insurance ticket and have your license suspended to the joys of facing felony forgery charges and obstruction of justice charges…
Good luck.
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Me; Cop
You will have to pay the cost of repair out of pocket, and you will get a citation for uninsured motorist.
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Federal Law Enforcement Captain
Dual Masters Degree in Criminal Justice & Social Work
Doctorate in Law
Former 9-1-1 Dispatch Supervisor (EMD/EPD/EFD)
Certified through National Academy of Emergency Dispatch
Former County Patrol Officer
Contact the person you hit and let them know you want to take care of their damages without further involvement of insurance companies….and then DO IT!
If you fail to pay for the damages, the other party can file a civil suit against you and win!
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Police Officer +30 years
You’ll end up having a criminal case filed against you for the ficticious documents.
You have brought more trouble upon yourself than you ever thought of.
These type things always catch up with you.
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The Enforcer