How long does a no auto insurance conviction last?

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Here's what you need to know...
  • Driving without insurance can lead to a variety of penalties depending on the state in which you are operating your vehicle
  • The penalty may be a fine, points on your license, car impounding, and/or jail time
  • Your insurance company informs the state department when your insurance lapses

The conviction for having no auto insurance will vary based on the state in which you are registered. Speed limits are set by the state government, as are auto insurance laws.

Driving without insurance can lead to a variety of penalties depending on the state in which you are operating your vehicle.

The penalty may be a fine, points on your license, car impounding, and/or jail time. The degree of the penalty also depends on any past convictions and the nature of the current situation.

If you cause a car accident and don’t have insurance, you will likely have to pay for damages that occurred to the other person.

That includes damage to the car and any potential medical expenses that are necessary as a result of injuries from the accident. If you are pulled over and they find out you are uninsured, there may still be stiff penalties handed down.

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How would I get caught?

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As with any law or regulation, penalties only exist if you are caught. It may be difficult to drive without insurance for any period of time without getting caught. Most states have either a department of motor vehicles or a secretary of state.

This is where you renew your license and register your vehicle. Auto insurance companies also contact the state department to inform them of coverage on your vehicle.

The insurance company informs the state department when your insurance lapses, or is not renewed.

If the department of motor vehicles does not receive anything from another insurance company stating you have your vehicle insured, your vehicle will be registered in the system as being uninsured.

A police officer may decide to run your plates for any reason. This includes having a light out, or any traffic violation such as not using your turn signal or rolling through the stop sign.

When the officer runs your plates, he or she will see that you have no insurance. You are likely to be pulled over in this instance and incur the penalties that your state would provide under this circumstance.

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Will I lose my license?

Driving without insurance can incur penalties of monetary fines or points on your license. It depends on the state you are registered in and what the auto insurance laws are.

Having points on your license already when you get caught without car insurance will certainly increase the probability that you will have your license taken away for a certain period of time.

It is a myriad of things that factor into the penalty that you may receive for driving without insurance.

If you are also driving without a license, it is much more probable that you could face jail time and incur much stiffer monetary penalties.

Research the laws in your state to find out more information as to what the risk is for driving without insurance.

Is driving with no auto insurance worth the risk?

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Not having auto insurance can save you on one bill. If you are stretching to make all of your regular bill payments, it may be tempting to cut out anything that seems unnecessary.

Auto insurance exists for a reason. Ultimately, it exists to protect your interests in the event of an accident. There are many ways to lower the cost of auto insurance rates.

If you are involved in an accident, the penalties incurred from the state will only be part of the overall bill you may be subjected to. Medical bills and damage to the other person’s vehicle will likely be your responsibility as well.

Even the safest driver runs a risk of being involved in somebody else’s accident.

Avoiding accidents altogether still doesn’t prevent you from being caught for having no auto insurance.

Having auto insurance is a law for any vehicle that is being operated on the road.

Anytime you see a police officer or somebody around you is not paying attention, you run a severe risk of being caught

Anytime you see a police officer or somebody around you is not paying attention, you run a severe risk of being caught. It is not worth the risk in the long run. The damages you can incur do not offset the benefits of saving on one bill per month.

It is best to shop around to find affordable auto insurance. This will give you peace of mind every time you operate your vehicle. There are many insurance companies to choose from, and many opportunities to find great insurance with a reasonable cost.

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