The first thing you need to do when you buy a motor vehicle is purchase auto insurance. Auto insurance will protect you when or if you are involved in a car accident. Having car insurance is just as essential as a driver’s license. Driving without insurance is considered one a serious violation. Mandatory penalties regarding this specific traffic violation are stiffer than the punishments for driving under the influence or marijuana possession. These penalties vary from state to state.
Much like other crimes, you can’t use the “I-Didn’t-Know” strategy in court. If you can’t come up with a policy that proves you were insured when the offense occurred during the trial only proves the assumption that you were uninsured when you were initially charged. However, it can also be hard for the prosecution to prove that you were driving uninsured in order to ensure you suffer the penalty. For example, the prosecutor must prove that the insurance was cancelled and possess the notice you got in order to prove that you are guilty. Regardless, you should never use a vehicle you know isn’t insured just as you should never drive without a license. There are too many risks involved.
In every state, drivers are required to demonstrate the ability to pay up to a certain amount to cover their liability if they are involved in an accident. These particular laws are often referred to as “financial responsibility” laws because all states require some form of proof of financial responsibility. Laws in most states differentiate between driving a vehicle that is not insured and driving without proof of insurance. Penalties for first-time offenders for driving without insurance can range from a $100 fine to having your driver’s license suspended for one year.
Obtaining car insurance is relatively easy. Insurance companies generally do a strong background check of your previous claims and your driving record. They will also check to see whether or not you have been given any citations over the years or been involved in lots of collusions. You may have more trouble getting car insurance if you do not have a perfect record. Some insurers might even deny your application because they don’t have to cover you if you present an excessive risk to their company. Other insurers may issue you a policy but it may be at a higher premium than they charge someone who is not considered high-risk.
There are actually some insurance companies that specialize in drivers who pose a higher-risk. You may have already seen or heard their ads on media outlets. The bottom line is that you should always be able to get some kind of insurance coverage for your vehicle. There is no excuse why you should be driving without insurance. If you have trouble obtaining insurance coverage, contact an insurance agent for more information. He or she can help guide you in the right direction.