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What Happens If You Get Into An Accident Without Insurance?

When a person gets into a car accident, lots of things happen – problems arise, legal conversations are needed, and bills accumulate. When a person is insured, these problems become much smaller and much easier to solve. However, if a person is uninsured, things can get out of hand.

Auto Accident Without Insurance

Automobile accidents without insurance can be devastating

Car accidents are terrifying situations to have to face. They can be much more terrifying, however, if you don’t have auto insurance. In the United States, in order to drive a car, you need to have at least some form of automobile insurance. All states have minimum requirements as to how much insurance coverage is needed in order to get behind the wheel. In other words, car insurance is mandatory. There is good reason for this as well – it is not just some stupid law. Let’s take a look at what will happen if you do not have auto insurance and are involved in an accident:

Legal Issues From Accidents With No Insurance

Court dates, fines, license suspension, and lawsuits will all be in your future if you are in a car accident without insurance.

If you do not have proper insurance identification at the time of the accident, you will need to go to court in order to present proof of insurance to them. If you do not have this proof of insurance (AKA you did not have insurance at the time of your accident), you will need to go before a judge. The judge will most likely fine you and sentence you to some sort of legal punishment.

Driving-without-insurance fines vary by state and they can be very large. If you are involved in such an accident, representation by an experienced lawyer is highly recommended. Investing in a well-reputed lawyer could save you a lot of money. Remember to not talk to authorities or insurance claims specialists without first consulting with a lawyer.

License Suspensions

Car Accident Legal Fees

Legal fees can be through the roof!

On top of your legal fines, you most likely will get some type of license suspension as well. Many states including California, New York, and Texas will suspend your license (or license plates) if you are discovered to be driving without proper insurance. License plate suspensions usually involve seizure of your vehicle and impoundment for at least 30 days. License suspensions are more severe. California, for example, suspends drivers’ licenses automatically for 6 months if they are in an accident without insurance.

Being Sued

If you do not have car insurance and are involved in an accident, you are likely to be sued personally for any damages or injuries that occurred in an accident in which you were at fault. If you had insurance (like you were supposed to), the insurance company would pick up the tab on the civil court ruling. Depending on the damages and injuries that you were ruled at fault in, you could end up paying a lot of money (often times in the millions). If you do not have enough money to pay for the amount you owe, you can lose your home and any other assets of value. As you can see, not having insurance can be devastating.

Coverage For Your Automobile

If you are ruled to be at fault in an auto accident and do not have insurance, there will be nobody left but yourself to pay the bill for damages to your vehicle. If you do not have the money to purchase a new car or to pay for the damages to your vehicle, you better get used to walking or taking the bus because you may be without a car for a long time.

Coverage For Injuries

Even if a drunk driver comes up from behind and smashes into your vehicle, leaving you paralyzed, you cannot get paid for your suffering if you do not have insurance. Basically, without insurance, you are on your own. You will need to pay for your own medical expenses even if the accident was not your fault. Because your life can be ruined in an instant without it, auto insurance is always worth the money.

The Final Word On Accidents Without Insurance

As you can see, there are some real dangers of driving without insurance. Aside from the danger of getting a very expensive ticket, your life can be ruined in an instant if you are unlucky enough to get into an accident without insurance. Fortunately, with the amount of resources available helping you find affordable auto insurance, there is really no reason why anybody these days should need to drive without it. Use the internet to compare quotes in order to find the cheapest rates for you. After all, anything is better than suffering through the headache of an accident without insurance.

11 Responses to “What Happens If You Get Into An Accident Without Insurance?
  • DrewMack says:

    Worst thing that can happen IMO is if you are ruled at fault and the person discovers you aren’t covered. He then proceeds to fake whip lash and all these other injuries and sues the life out of you… this actually happened to one of my friends.

    Oh yeah, that and killing someone without insurance.

    • michellelg says:

      my bf just got into a car accident and were now waiting for if there putting it as his fault. he hit a guy on a moped but he didnt see him. he doesnt have valid insurance but the cop did not acknowlege that. what should we do till the court date. also the guy didnt give us any info he was taken to the hospital not to long after the accident. i dont believe he had insurance or any idea we didnt.

  • Louise Lloyd says:

    One should never be too reckless to drive without insurance since it’s required. It will definitely come in handy for we never know if one day we’ll get to an accident. Better play things safe.

  • tarra says:

    I got into a car accident over the weekend with my bf. we did not have insurance bc of some problems we have been having and it wasnt going to be effective until this week. The accident was DEF her fault, she got a ticket and I spent the weekend in the hospital bc im pregnant and its caused some major problems. what happends if it IS ther other persons fault but you did not have insurance?

  • Angela says:

    I was just in a car accident and did not have insurane, no one was hurt and we both signed waviers stating we did not want to go to the hospital, the accident was my fault and the other driver does not have insrance either, I have no assets, I live with my boyfriend and the only liable asset I had was my vehicle which is totaled, what will happen, it I get sued, what can they get if I have nothing? Besides the considerable fines and possible liscense supspension? Thank you.

  • auto wreck lawyer says:

    Always get insurance… it is too dangerous to drive out here with out it.

  • Danielle says:

    I have been driving under my farthers insurance i got into a fender bender were the other car had no damage and i was not given any tickets regarding the weather now they are saying they do not want me to drive , because i have a carless driving and adriving under supened lince i am having a hard time gettimng quotes what should i do ,drive safe and only emergices until my b-day my driving record will be wiped

  • Drey says:

    few days ago i was at a store and i was drivng outa parking lot and the guy was on my left side and was driving too he stoped and i hit him a lil with my miror he got a scratch and a dent i just got the car and the insurance is on my parents for now so i told him not to call the cops well work it out i gave him all my info got his and we agreed to talk it over the next day since it was night the next day we agreed that im either gona get his care take it to the shop or pay cash the next day i went on a busnise trip for a day he did an estimate and they said its 961 to fix wen his car at most is worth 10k and its only 200 to fix it max so i said wen i come back tomorow well talk i come home yesterdaay trina reach him he dont pick up today my parents insurance calls and said they aint gona cover it i didnt wana do it trough insurance cus i got a 30k bmw and they gona make my car salvage tittle and in my miror onky a little pice chiped of the trimof the mirror and my parents insurance ssai they aint gona cover it wats gona happen now…

  • Jo says:

    I was involved in an accident. The other person did not stop at a stop sign and turned onto my street where I was backing up. Payment to the insurance company was made days before. After the accident the insurance company sent the money back and cancelled my insurance. I paid for my car to get fixed because the insurance company refused to come out and see how the accident happened. Btw, this was not my car. Now I am receiving calls about an outstanding bill to the other guys insurance (which was the same insurance) and their collection agency. I am being threatened that I will have my license suspended for a car that was not mind in an accident that was not my fault.

    What can I do for this issue? The insurance company tells me it has nothing to do with fault that I owe but I know it does.

  • VENNESSA says:

    MY FRIEND WAS DRIVING MY CAR AND AT THE TIME HE GOT PULLED OVER I HAD NO INSURANCE.HE WENT TO COURT AND THEY ASKED IF HE HAD INSURANCE ON HIS CAR AND HE SAID NO.SHORTLY AFTER THE TICKET I GOT INSURANCE ON MY CAR BUT SINCE HE SAID NOTO HIM HAVING INSURANCE ON HIS OWN CAR IN COURT FOR HIM THEY ARE GOING TO CANCEL MY PLATES…IS THAT LEGAL?

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