Call Us 847-367-1234 ☰ ˟
Logo
Call Us 847-367-1234
  • Our Agency
    • AboutImage of right arrow
      • Employee Directory
      • Our Location
    • Get A Quote
    • Our Providers
    • Contact UsImage of right arrow
      • Main Office
      • Brookfield, WI Office
  • Products
    • Auto InsuranceImage of right arrow
      • Classic Car
      • Medical Payments Coverage
      • Minor Violation Forgiveness
      • Personal Injury Protection
      • Rental Reimbursement
      • Uninsured & Underinsured Motorist
    • Home InsuranceImage of right arrow
      • Homeowners Liability
      • Landlords Insurance
      • Scheduled Property Insurance
    • Life InsuranceImage of right arrow
      • Group Life Insurance
      • Individual Life Insurance
      • Long Term Care
      • Mortgage Protection
      • Second-To-Die Policy
    • Powersports VehicleImage of right arrow
      • ATV Insurance
      • Boat Insurance
      • Motorcycle Insurance
      • Snowmobile Insurance
    • Personal Umbrella Insurance
    • Other Personal Insurance
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Insurance for Arborists
      • Bar Insurance
      • Box Truck Insurance
      • Builders Risk Insurance
      • Car Dealership Insurance
      • Cargo Insurance and Freight Insurance
      • Catering Insurance
      • Cleaning Business Insurance
      • Construction Insurance
      • Consulting Firm Insurance
      • Contractors Insurance
      • Specialty Trade Contractors Insurance
      • Dental Practice Insurance
      • Dump Truck Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Food Truck Insurance
      • Fleet Insurance
      • Handyman Insurance
      • Garage Insurance
      • Healthcare Facility Insurance
      • Law Firm Insurance
      • Limousine Services Insurance
      • Liquor Liability Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Media & Advertising Insurance
      • Medical Malpractice Insurance
      • Minibus Insurance
      • Non Profit Insurance
      • Nursing Home Insurance
      • Nursing Insurance
      • Personal Trainer Insurance
      • Pharmacist Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Real Estate Businesses Insurance
      • Restaurant Insurance
      • Retail Insurance
      • School Bus Contractors Insurance
      • Scrap Metal Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
      • Snow Plow Insurance
      • Technology Services Insurance
      • Tractor Insurance
      • Tow Trucks Insurance
      • Uber Insurance
      • Water Well Drillers Insurance
      • Veterinary Insurance
    • Coverage for Your BusinessImage of right arrow
      • Bonds
      • Business Catastrophe Insurance
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Real Estate Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Equipment Insurance
      • Errors and Omissions Insurance
      • Fidelity Bonds
      • Loss Control Insurance
      • Inland Marine Insurance
      • Marine Insurance
      • Mechanical Breakdown Insurance
      • Office Insurance
      • Product Liability Insurance
      • Professional Liability
      • Small Business Insurance
      • Small Business Liability Insurance
      • Storage Insurance
      • Surety Bonds
      • Technology Insurance
      • Trailer Insurance
      • Transportation Insurance
      • Trucking Insurance and Semi Truck Insurance
      • Workers Compensation
      • Van Insurance
    • Coverage for Your EmployeesImage of right arrow
      • Small Business Retirement Plans
      • Individual Life Insurance
  • Get A Quote
    • Auto Insurance Quote
    • Business Owners (BOP) Quote Form
    • Contractors Insurance Quote
    • Homeowners Insurance Quote
    • Personal Umbrella Insurance Quote
    • Life Insurance Quote
    • Recreational Vehicle Insurance Quote
    • Classic Car / Antique Insurance Request
    • Umbrella Insurance Quote
    • Workers Compensation Insurance Quote
  • Resources
    • Refer a Friend
    • Important Links
    • Insurance Glossary
    • Blog
    • Benefits of Independent Agents
  • About Us
    • About Us
    • Testimonials
    • Privacy Policy
  • Contact Us
    • Main Office
    • Brookfield, WI Office
    • Our Location
Home > Blog > The Penalties of Driving Without Car Insurance
WEDNESDAY, FEBRUARY 1, 2023

The Penalties of Driving Without Car Insurance

Most states, by law, require drivers to carry minimum amounts of car insurance. They do so because of the high amount of security that car insurance provides every driver, even those who think they are safe behind the wheel. After all, no one is immune to car accidents, and car insurance might be the only way that you can afford the multiple ramifications that might pop up. 

Because of laws requiring car insurance, it is imperative that you always have at least the minimum amount of coverage your state mandates. If you do not, then you could suffer significant losses in accidents that will not have the benefit of insurance protection. However, you could also face other penalties, since your failure to carry coverage violates the law. Let’s take a closer look at these. car driving on the road

Loss of Driving Privileges 
If you get caught driving with auto insurance, then you will likely receive a traffic citation. This could lead to fines, vehicle impoundment or even the suspension of your license.  The reason insurers require car insurance is because they want to make sure you can pay for accidents. By failing to carry the requisite coverage, you cannot meet this obligation, and therefore you cannot be trusted behind the wheel. 

Higher Auto Insurance Rates 
By driving uninsured, you become a high-risk driver. After all, you do not have the protection necessary to keep yourself safe behind the wheel. 

Therefore, when you go to get auto insurance later, you will likely present higher risks to the insurer. As a result, they will likely no longer be able to offer you as low a premium as they might have otherwise. To insurers, the fact that you have driven without insurance once indicates that you are a risky customer who might commit this offense in the future. Your prices are likely to rise as a result. 

Coverage Denials 
An infraction of driving without insurance will likely go onto your driving record. So, when you go to apply for car insurance later, your prospective insurer will see this infraction. Because of this substantial increase in your risk rating, some insurers will simply not be able to make the investment in you. Therefore, they might have to turn down your application. The mistake of driving uninsured is a serious one, and it can make it harder to even get a policy later. 

These are just a few reasons why you should always have active car insurance. If you have coverage from the moment you become a driver, then you will establish a strong insurance history for yourself. Not only will you have ample protection when driving, but you will also find it easier to maintain your coverage over many years. 
Posted 7:05 PM

Tags: auto insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021

  • auto insurance(6)
  • insurance(3)
  • home insurance(3)
  • liability(2)
  • classic auto insurance(2)
  • general liability insurance(2)
  • coverage(2)
  • policy(2)
  • classic car insurance(2)
  • commercial auto insurance(2)
  • workers compensation(1)
  • life(1)
  • life insurance(1)
  • whole(1)
  • bop insurance(1)
  • terms(1)
  • workers compensation insurance(1)
  • storm damage(1)
  • jewelry insurance(1)
  • professional(1)
  • business owners policy(1)
  • risk(1)
  • high value home insurance(1)
  • builders(1)
  • retirement(1)
  • builders risk(1)
  • professional liability insurance(1)

View Mobile Version
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Home| Get A Quote| Customer Service| Blog| About Us| Contact
200 Peterson Rd. | Libertyville, IL 60048
P: 847-367-1234 | F: 847-367-9777 | jim@jimkellyins.com
Social Social
Logo    dave ramsey brands

Powered by Insurance Website Builder