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Why You Should Never Drive Without Car Insurance

Can You Drive Without Car Insurance?

Car insurance is a legal requirement in nearly all states. Each state has its own minimum coverage requirements, which typically include liability coverage. Some states also require uninsured or underinsured motorist coverage, personal injury protection, or medical payments coverage. New Hampshire is the only state without a blanket mandate, but drivers must prove financial responsibility. In Virginia, drivers can opt out by paying a $500 uninsured motorist fee annually.

What Happens if You Drive Without Insurance?

Driving without insurance can lead to severe penalties, including fines, license suspension, vehicle impoundment, and even jail time. Fines can range from $50 to $5,000, and repeat offenders face harsher penalties. Additionally, you may need an SR-22 form, which proves you have insurance but often comes with higher premiums.

Getting Pulled Over Without Insurance

If you’re pulled over and can’t provide proof of insurance, you’ll likely receive a citation, a fine, and possibly jail time. Your license may be suspended until you obtain insurance, often requiring an SR-22. In some cases, your vehicle could be impounded, adding extra costs.

Getting into an Accident Without Insurance

Causing an accident without insurance results in similar penalties but with added financial responsibility for damages and injuries. You could be sued for hundreds of thousands of dollars if you can’t pay for the damages.

How to Get Car Insurance

To avoid these consequences, it’s essential to have at least the minimum required coverage. Here are some steps to get car insurance:

• Shop around: Request quotes from multiple insurers to find the best rate.
• Choose your coverage amounts: Determine the types and amounts of coverage you need.
• Look for discounts: Many insurers offer discounts that can lower your premium.
• Choose a carrier and buy the policy: Once you’ve found the best option, purchase the policy and obtain proof of coverage.

The Bottom Line

Having car insurance is crucial for legal and financial protection. While it can be expensive, you can save by shopping around, looking for discounts, and adjusting your coverage. For any mortgage service needs, contact O1ne Mortgage at 213-732-3074. We’re here to help you with all your mortgage needs.

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