Everything You Need to Know About Driving Without Insurance

By Julian Floyd

Everything you need to know about driving without insurance. First things first, driving without insurance is against the law. The laws regarding insurance are usually referred to as financial responsibility laws. One hundred thousand dollars worth of protection against bodily injury is recommended, as well as three hundred thousand per accident.

If you think you can get away with it, you may be right. But if you are wrong, there is a price to pay. Penalties for driving without insurance include suspensions, fines, and even jail time.

Not every person driving without insurance is criminal-minded or looking for an easy way out. My wife forgot our bill was due, the next day a letter was sent to Pennsylvania's Department of Transportation, stating that we were driving without insurance.Then we had to show proof of insurance during the time that our insurance lapsed, which was just a week, or sign a paper stating that we didn't drive the car while it was uninsured. This is an unnecessary hassle in an already busy life. Try to stay on top of your premium. Pay a week ahead to prevent any mishaps.

You are NOT covered in the event of an accident. If you are at fault in an accident, you will be responsible for all damages and fees. If you are found to share the fault in an accident, then the other parties' insurance will pay their client's portion. You may be covered if the other party has uninsured motorist coverage, but you must understand that uninsured motorist coverage is not an obligation that is upheld in every state. Lastly, if the other party is at fault, then their insurance company will pay for the damages. And if neither one of the drivers is insured, then get a lawyer, because it's about to get ugly for both of you.

If you still feel that you absolutely have to drive without insurance, PLEASE have consideration for other drivers on the road who are being financially responsible. Drive carefully and try to keep your car off the the road as much as possible.

This article was written by Julian Floyd. To learn more about the insurance laws in your state, please visit http://www.thebestonlineinsurance.com/insurance-law.html Or visit my blog at http://www.2jonline.blogspot.com