Driving without Auto Insurance

Driving without auto insurance is illegal in all fifty states. While state laws vary some from here to there, every state requires the acquisition and sustained upkeep of auto insurance. In the event of a lapse in coverage, most states require proof of new auto insurance in three days or less. A few rare states will let you wait a full ten days before action is brought against you.

Not only is driving without auto insurance completely illegal, it is also illegal to allow a car to sit, untouched, in your driveway with a license plate on it that isn't insured. For instance, suppose you drive a manual transmission and you break your left leg. For two months your leg is in a cast from your hip to your ankle. Obviously, you are not driving without insurance. Dropping your insurance policy for those two months will result in action against you, despite the fact that it seems like a perfectly logical thing to do.

Driving without auto insurance is truly one of those completely unnecessary risks we take. While your insurance company may have dropped you for lack of payment, one too many speeding tickets, or that last accident you had, there are other companies that will insure you. Considering the consequences of driving without auto insurance, there really isn't any logical argument to not purchasing a new policy with a new company.

If you are caught driving without auto insurance, the hefty fine will end up being the least of your problems. Some states simply tow your car away right then and there. At rates of $100 per day to store your car during the automatic three month suspension, you aren't going to own your car at the end of the deal anyway. If you drop your insurance, the state that you live in is going to assume that you are driving without auto insurance, and thus you can expect that your license might be suspended, your car's registration might be suspended, the police might show up and take your tags, or a bench warrant might be issued for your arrest. While car insurance can be expensive, driving without auto insurance is absolutely a much more expensive route.

If you lose your car insurance coverage, don't be tempted to try to get away with driving without auto insurance. Should you have an accident, even one that isn't your fault, during the time you are driving without auto insurance you will be held accountable for every last cent of the damages, medical expenses, wages lost, and any other incidentals and court fees that will occur. The mess simply isn't worth it, especially when there are car insurance companies that will insure you without breaking the bank. You simply have to contact them and explain the situation in order for them to help you.