- You’ll pay a huge fine
- You might lose your license
- You may go to prison
- You’ll have to pay out-of-pocket for all expenses
Driving uninsured is just stupid. If losing money doesn’t scare you prison just might. What happens when you get in an accident without car insurance will depend on your state. Some state’s have harsh penalties while some have laxer penalties (But still pretty bad!).
Car accident without insurance not at fault
Right now I’m sure some of you might be thinking “I got into a car accident without insurance, but I’m not at fault!”.
It doesn’t matter if the accident was your fault or not, you’re still going to be in trouble. Driving without insurance is a crime in every single state, so even if an accident isn’t your fault it won’t matter. What will matter is that at the very least you may not be financial responsible for the other parties cost; but this depends on a lot of factors, especially your state. States have different laws on why and who pays for costs associated with an accident ( Fault, or no fault state)
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You might be a good drivers, but others are not.
Okay now some of you might be thinking “I live in fault state, and I’m a good driver so I don’t need car insurance.”
Okay, that’s a bad idea, here’s why:
If the other party is at fault but doesn’t have insurance and your car is damaged you’ll have to sue the other party to pay. If the other party has no money, suing is pointless. If you had coverage you wouldn’t have to worry, you would be covered regardless if the other party had car insurance or not, and suing would the responsibility of your insurance company.
Right now around 12.6% of people in the U.S.A drive uninsured, in some states the number can be as high as 25%! Don’t risk driving without car insurance.
I got in a car accident without insurance
If you’ve gotten into an accident without car insurance our advice is to contact a lawyer and see what your options are. Every state and situation is different, so it’s impossible for us to give you advice.
I’ve been in a car accident with an uninsured driver
We recommend contacting a lawyer and your insurance company. Any advice we could give could easily be wrong or misleading since we don’t know your situation. A lawyer and your insurance company will know how to proceed.
If your driving without insurance we recommend getting insured as soon as possible. Use our quotes tool above to find and compare local insurance companies, just input your zip code and leave the rest to us! Want to save more on car insurance? We have a great read for you: how to get cheap car insurance.