Call Us 919-851-4448 ☰ ˟
Logo
Call Us 919-851-4448
  • HOME
  • Our Agency
    • AboutImage of right arrow
      • About Us
      • Our Locations
      • Employee Directory
    • Personal ProductsImage of right arrow
      • Home & Auto Insurance
      • Auto InsuranceImage of right arrow
        • Liability Coverage
        • Comprehensive Coverage
        • Collision Coverage
        • Uninsured & Underinsured Motorist Coverage
        • Roadside Assistance
        • Specialty Auto Insurance
        • 24-Hour Customer Service
        • Towing
        • Rental Reimbursement
        • Medical Payments Coverage
      • Home InsuranceImage of right arrow
        • Property Insurance
        • Homeowners Liability
        • Renters Insurance
        • Condo Insurance
        • Mobile Home Insurance
        • Scheduled Property Insurance
        • Landlords Insurance
        • In-Home Business Insurance
      • Other Personal InsuranceImage of right arrow
        • Identity Theft
        • Personal Umbrella Insurance
      • Life InsuranceImage of right arrow
        • Individual Life Insurance
        • Long-Term Care Insurance
        • Mortgage Protection Insurance
        • Disability Insurance
        • Second-To-Die Policy
        • Key Person (Key Men) Insurance
      • Health InsuranceImage of right arrow
        • Individual & Family Health Insurance
        • Dental Coverage
        • Vision Coverage
        • Long-Term Care Insurance
        • Supplemental Insurance
        • Disability Insurance
      • Recreational Vehicle InsuranceImage of right arrow
        • Boat Insurance
        • Motorcycle Insurance
        • Motorhome Insurance
        • ATV Insurance
      • Financial ServicesImage of right arrow
        • Financial Planning
        • Annuities
    • Commercial ProductsImage of right arrow
      • Coverage for Specific IndustriesImage of right arrow
        • Alarm Contractors Insurance
        • Construction Insurance
        • Specialty Trade Contractors Insurance
        • Healthcare Practice Insurance
        • Manufacturing Insurance
        • Retail Insurance
      • Coverage for Your BusinessImage of right arrow
        • Business Owners Policy (BOP)
        • Commercial Auto Insurance
        • Commercial General Liability
        • Commercial Property Insurance
        • Commercial Umbrella Insurance
        • Crime Insurance
        • Inland Marine Insurance
        • Professional Liability
        • Workers Compensation
      • Coverage for Your EmployeesImage of right arrow
        • Group Benefits
        • Group Disability Insurance
        • Voluntary Benefits
        • Retiree Health Coverage
        • Group Health Insurance
        • Disability Insurance
        • Individual Life Insurance
    • Get A Quote
    • Contact Our Companies
    • Contact UsImage of right arrow
      • Vic Fisher Insurance
  • Products
    • Home & Auto Insurance
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Roadside Assistance
      • Specialty Auto Insurance
      • 24-Hour Customer Service
      • Towing
      • Rental Reimbursement
      • Medical Payments Coverage
    • Home InsuranceImage of right arrow
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
      • In-Home Business Insurance
    • Other Personal InsuranceImage of right arrow
      • Identity Theft
      • Personal Umbrella Insurance
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Long-Term Care Insurance
      • Mortgage Protection Insurance
      • Disability Insurance
      • Second-To-Die Policy
      • Key Person (Key Men) Insurance
    • Health InsuranceImage of right arrow
      • Individual & Family Health Insurance
      • Dental Coverage
      • Vision Coverage
      • Long-Term Care Insurance
      • Supplemental Insurance
      • Disability Insurance
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
    • Annuities
    • Farm Insurance
    • Coverage for Specific IndustriesImage of right arrow
      • Alarm Contractors Insurance
      • Construction Insurance
      • Specialty Trade Contractors Insurance
      • Healthcare Practice Insurance
      • Manufacturing Insurance
      • Retail Insurance
    • Coverage for Your BusinessImage of right arrow
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial Property Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • General Liability Insurance
      • Inland Marine Insurance
      • Professional Liability
      • Workers Compensation
    • Coverage for Your EmployeesImage of right arrow
      • Group Benefits
      • Group Disability Insurance
      • Voluntary Benefits
      • Retiree Health Coverage
      • Group Health Insurance
      • Disability Insurance
      • Individual Life Insurance
  • Get A Quote
    • Auto Insurance Quote
    • Business & CommercialImage of right arrow
      • Business Owners (BOP) Quote Form
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Workers Compensation Quote
    • Contractors Insurance Quote
    • Health Insurance Quote
    • Homeowners Insurance Quote
    • Life Insurance Quote
    • Trucking Insurance Quote
  • Resources
    • Refer a friend
    • Important Links
    • Insurance Glossary
  • About Us
    • About
    • Our Location
    • Employee Directory
    • Testimonials
    • Privacy Policy
  • Contact
Homeowners Icon

Homeowners

We browse through a wide variety of coverages and find the right one for you.

Learn More
Auto Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business and Commercial Icon

Business

We browse through a wide variety of coverages and find the right one for you.

Learn More
Life Icon

Life & Health

We browse through a wide variety of coverages and find the right one for you.

Learn More
Health Icon

Annuity

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > The Penalties of Driving Without Car Insurance
TUESDAY, MARCH 14, 2023

The Penalties of Driving Without Car Insurance

Most states, by law, require drivers to carry minimum amounts of car insurance. They do so because of the high amount of security that car insurance provides every driver, even those who think they are safe behind the wheel. After all, no one is immune to car accidents, and car insurance might be the only way that you can afford the multiple ramifications that might pop up. 

Because of laws requiring car insurance, it is imperative that you always have at least the minimum amount of coverage your state mandates. If you do not, then you could suffer significant losses in accidents that will not have the benefit of insurance protection. However, you could also face other penalties, since your failure to carry coverage violates the law. Let’s take a closer look at these. car driving on the road

Loss of Driving Privileges 
If you get caught driving with auto insurance, then you will likely receive a traffic citation. This could lead to fines, vehicle impoundment or even the suspension of your license.  The reason insurers require car insurance is because they want to make sure you can pay for accidents. By failing to carry the requisite coverage, you cannot meet this obligation, and therefore you cannot be trusted behind the wheel. 

Higher Auto Insurance Rates 
By driving uninsured, you become a high-risk driver. After all, you do not have the protection necessary to keep yourself safe behind the wheel. 

Therefore, when you go to get auto insurance later, you will likely present higher risks to the insurer. As a result, they will likely no longer be able to offer you as low a premium as they might have otherwise. To insurers, the fact that you have driven without insurance once indicates that you are a risky customer who might commit this offense in the future. Your prices are likely to rise as a result. 

Coverage Denials 
An infraction of driving without insurance will likely go onto your driving record. So, when you go to apply for car insurance later, your prospective insurer will see this infraction. Because of this substantial increase in your risk rating, some insurers will simply not be able to make the investment in you. Therefore, they might have to turn down your application. The mistake of driving uninsured is a serious one, and it can make it harder to even get a policy later. 

These are just a few reasons why you should always have active car insurance. If you have coverage from the moment you become a driver, then you will establish a strong insurance history for yourself. Not only will you have ample protection when driving, but you will also find it easier to maintain your coverage over many years. 
Posted 4:55 AM

Tags: auto insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020

  • life insurance(6)
  • auto insurance(6)
  • bop insurance(5)
  • health insurance(4)
  • home insurance(4)
  • homeowners insurance(2)
  • business owner's policy(1)
  • annuities(1)

View Mobile Version

Contact Us Today!
919-851-4448

Social Social Social

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • News
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

2703 Jones Franklin Road, Suite 103
Cary, NC 27518

Ph: 919-851-4448 | Fx: 919-851-4445
© Copyright. All rights reserved. | Powered by Insurance Website Builder