It is never smart to drive without car insurance. It can cause serious consequences, both legally and financially. In most states, car insurance is a legal requirement for every driver. If you fail to have it, it can lead to a range of penalties
There are a few different consequences that can come of this. First, if you're caught driving without insurance, you may face hefty fines. In addition to the fines, you could face suspension of your driver's license and vehicle registration. This will come with even more fines, and most of the time it is required to show proof of insurance to get your registration and license reinstated.
The true issue with driving without insurance is when you're involved in an accident. This can lead to life altering financial repercussions. Without insurance, you are personally responsible for covering the costs of the damages and injuries that you caused. This includes all the repairs, medical bills, and could even include legal fees if the other person involved decided to sue you. If you go into enough debt you could face wage garnishment or asset seizure to cover the costs.
Insurance Companies look into everything possible when they are deciding on your policy. If you have a history of driving without insurance, these companies may view you as a high-risk driver. This can lead to higher premiums or even denial of coverage when you do seek insurance. This just continues the cycle and will create even more financial strain.
A major piece of having car insurance is that it not only protects you but also protects the other drivers on the road. Insurance makes sure that the other drivers are compensated for their financial losses.
Car Insurance is mandatory in 48 of the 50 states. Odds are that you live in one of these states, do not be selfish and financially irresponsible. The premiums seem like a lot every month, but the charges that you will rack up by not being insured are even greater. There is no point in risking your financial future, or the financial future of others, because you do not want to pay for car insurance.
At AZ Insurance Team, we find you the best available rate for you and your situation. If you have any questions regarding your car insurance policy give us a call at 480-535-5709.
Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance…
Disclaimer: Coverage will vary on state, insurance company, and type of policy.
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