WHAT TO EXPECT AFTER AN AT FAULT ACCIDENT WITHOUT INSURANCE

What to Expect After an at Fault Accident Without Insurance01 August, 2016
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What to Expect After an at Fault Accident Without Insurance

Insurance might be a hassle, but driving while uninsured will end in a much bigger one. Whether you’ve allowed your payments to lapse, haven’t gotten around to finding insurance or are dragging your feet due to a lack of funds, the time has come to consider the risks.

The Cost of an Accident When Uninsured

Not only are there legal penalties if you are caught driving without insurance, but you additionally face personal bigger financial risks if you are involved in an accident. If you are the driver found at-fault, you will have to pay for the repairs and personal injuries that follow. Not only will the expenses be costly, but the other driver could sue you for damages.

If you think you are short on cash now, you could lose everything as your assets are taken and you might be forced into bankruptcy that could take years to recover from.

Common Penalties for Driving Without Insurance

Whether you fail to realize the vehicle in front of you is stopping or you hit a patch of icy road and spin into another lane, there are many chances to get into an accident. While you might feel insurance policies aren’t important, they are legally required to ensure that any driver you might hit is taken care of.

You don’t have the money to replace a vehicle or pay medical bills, but what happens if you lose control of your vehicle or get caught off guard and hit another car? The state requires that you have a policy that at least covers a driver you might hit by mistake. If you choose to drive without insurance or allow your policy to expire, you can face serious penalties, such as:

  • Suspension of your driver’s license
  • Suspension of your vehicle registration
  • You may receive an additional traffic ticket for driving without insurance
  • State-enforced requirement of SR-22 certification in addition to insurance
  • Hefty fines, including costs to recover your driver’s license
  • Higher insurance premiums in the future

These are only the most common penalties. In order to fully know the risks you face, you will have to check with your local DMV office to see what could happen if you are driving uninsured.

Meeting SR-22 Requirements

Drivers who get in an at-fault accident without meeting the minimum insurance requirements may have to meet SR-22 requirements. SR-22 filings are most often due to serious traffic violations, including:

  • Conviction of a DUI
  • Driving while uninsured
  • Part of a serious auto accident
  • Suspended or revoked driver’s license
  • Excessive violation points on a driving record

SR22 insurance is a common term, but SR-22 forms are not car insurance. The SR-22 certificate is filed in addition to insurance coverage to prove coverage. It shows that you meet the state’s minimum requirements and guarantees you will do so for a certain period of time. SR-22 certificates are typically required for 3 violation-free years before you can drive without one again.

Avoiding the Hassle

If you are involved in an at-fault accident and need to file an SR-22 form for SR22 insurance coverage, then let us talk to you about your policy options. If you have been driving without insurance and need to purchase coverage, don’t wait any longer to talk to us about getting covered! The hassle and expense of driving uninsured is certainly not worth it in the end.