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What happens if I get caught driving without insurance?

In an ideal world, you should never own a car without having the adequate insurance to protect it and yourself. Even if you are not actively driving the car, theoretically it could become damaged when parked on your drive or sidewalk.

Many Americans depend on their car to get them to work every day, drive their kids to school and even to carry out their day-to-day job requirements. Therefore, damaging your car without insurance or having your license suspended due to a lack of insurance can have serious financial consequences. This is why it’s extremely important to adequately insure your car.

What are the consequences of driving without insurance?

Different states vary widely on the specific consequences. In Illinois, it is likely that you will incur a large fine if you are caught. It is also common to have your license suspended or receive a traffic ticket. However, if you are involved in an accident as an uninsured driver, the consequences can be even more serious. You are likely to be liable for the damages that occurred to the other car or cars, and for your own damages.

An easy mistake to make

Unfortunately, it can be all too easy to let your current car insurance become out of date and simply forget to renew it. It’s important to make every attempt to prevent doing this. One option is to start making automatic payments to your insurance provider. Getting caught without insurance can be a serious situation to be in, so it’s important to protect yourself from the consequences.

Source: DMV, “Penalties for driving without insurance,” accessed Oct. 11, 2017

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