What happens if you have a car accident & have no insurance?

Written by sienna condy
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What happens if you have a car accident & have no insurance?
Driving without insurance is very risky. (Image by Fotolia.com, courtesy of Gautier Willaume)

A car accident is frightening in any event, but it's much more so when you don't have auto insurance. In most states, driving without insurance is a crime, and you may face serious penalties for driving without it, especially if you get in an accident. Furthermore, the lack of insurance can leave you personally liable for any damages or injuries caused by a wreck, which can be financially ruinous.


If you do not have proof of insurance at the scene of an accident, you will have to present proof to the court. In the case of an accident, the insurance card you present must be valid for the date of the accident. If you do not have proof, you will have to go before a judge.


If you do not have proof of insurance when you go before the judge, you may by fined. Fines for driving without insurance vary by state, and they can be heavy.


Many states, including Ohio and California, will suspend your driver's license or your number plates if they discover you're driving without proper insurance. Number plate suspension usually includes impoundment or immobilisation of your vehicle for at least 30 days.


If you do not have car insurance, you can be sued personally for any damages or injuries that occurred in an accident where you were at fault. Depending on the amount of damage done, you can lose your home and any other property you have if you do not have the money to cover the amount you owe.


If you do not have car insurance and are in an accident where you're found to be at fault or you live in a no-fault state, you are personally responsible for any damage to your own vehicle. If you cannot afford to repair your vehicle or buy a new one, you may be without a car for a long time.

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