Throughout the United States, you’re required to have a certain level of coverage when you’re driving. Even so, many individuals drive without proper car insurance. Not only is this illegal in all 50 states but it’s also reckless. Even if you always drive the speed limit or never take your eyes off the road, car accidents, crashes, and property damage happens when you least expect it.
From the potential for serious injury and medical expenses to some penalties for not carrying comprehensive coverage, here are some of the risks you’re taking when you don’t have proper coverage from an insurance company.
1. You could be personally liable for medical costs.
Whether you have the inexperience of a new teen driver or you’ve been a safe driver for many years, a lack of car insurance can put you on the hook for some costly medical expenses if there is bodily injury involved. Even if you’re wearing a seat belt, an auto accident can cause all kinds of injuries. A high-speed crash can cause a driver to hit their head on the steering wheel or injure their arms or legs. Hitting your head could cause a traumatic brain injury. Whiplash can cause lifelong back problems. And without a proper auto policy, you’ll be responsible not only for your medical costs but also for the other party’s if you’re at fault. On top of that, you likely won’t be able to file an insurance claim.
If you’re a policyholder that follows your state’s requirements, however, your car insurance coverage will likely cover some of your medical treatment so you don’t suffer a major financial loss, regardless of the type of injury. To prevent these kinds of issues, you should discuss personal injury protection with your car insurance company.
2. You’re at a higher risk of car insurance fines.
If you run a stop sign, get spotted on your cell phone, or are in a car crash because of a distraction, you could find yourself in hot water. Not only will you likely get fined for reckless driving but you’ll also find yourself liable for a high-cost fee as a result of your lack of personal auto insurance. Compared to the average costs of an insurance rate, the fine for not carrying an active car insurance policy can stretch between as little as $75 to over $5,000.
In some states, it’s enough to simply hold liability coverage. Liability coverage is much less expensive than a comprehensive coverage policy that comes bundled with roadside assistance. Liability coverage is also much less expensive than the fines you could rack up for not having an insurance policy. Of course, young drivers will still have higher monthly premiums for a time but it’s important to discuss rates with your auto insurer.
3. Your license could be suspended.
Even if you’re not the cause of a road accident or traffic accident, you’re still going to be in violation of state law without the proper level of insurance coverage. If you’re pulled over without the right type of coverage, a vast majority of the regions in the United States will suspend your license. This can impact your job prospects, your ability to travel, and can cause a higher car insurance quote when you do seek out an auto insurance policy.
The good news is that finding the right coverage doesn’t have to be difficult. It’s very common for a good insurance agency to offer a free car insurance quote. All you’ll need is to provide some personal information. If your insurance agent needs more, they’ll contact you for additional information.
4. You could face jail time.
You don’t have to be drunk driving, be the cause of a fatal crash, or be involved in a serious accident to face jail time. While it’s not common for you to go to jail for your first offense, continuing to drive without the right coverage options can be a major problem. Depending on your jurisdiction, driving without even the minimum level of liability insurance can earn you as few as two days of jail time or even up to two weeks.
5. You could lose your vehicle.
Motor vehicle crashes have a nasty habit of ruining peoples’ cars. Even if you’re sitting in a parking lot, motor vehicle crashes can still happen. Depending on the type of crash, your car may be totaled. Without the proper coverage options and insurance products, vehicle accidents can easily leave you without transportation. Unless you want to pay for a rental car or get repairs done out of pocket, you should have collision coverage or uninsured motorist coverage to protect your own vehicle.
Even if you have comprehensive coverage, it’s important to know how to prevent road accidents and common mishaps. First, drive as safely as possible when there’s inclement weather. It can greatly impact road conditions. It’s usually best to drive extra carefully if it’s raining, snowing, or windy.
Second, drive defensively. It’s the best way to prevent incidents. Young adults and reckless drivers aren’t the only ones who cause some of the most common types of car accidents. It could be someone making a bad left turn, someone coming from the opposite direction, or a new driver who isn’t used to bad weather. If you’re a motorist that drives defensively, you’ll have a greater reaction time to help prevent a car accident or crash.
Third, avoid distractions. Your behavior behind the wheel impacts everything you do as a motorist. Eating, using your cell phone, and taking your eyes off the road can easily cause a motor vehicle accident.
If you’re looking for insurance for you or a family member, you can contact your local car insurance affiliates or insurance company. To get an auto insurance quote, you’ll simply need to provide some contact information and your details will be a click away. You can even bundle your life insurance, collision coverage, and home insurance for an additional cost.
You never know when a motor vehicle accident or crash may happen. From physical injuries to medical bills and even penalties, having auto insurance is incredibly important. To learn more about our variety of insurance policies, contact the experts at Tulsa Insurance Group today.