What happens if my car does not have car insurance?


First off, it's really not advisable to not carry car insurance, cross your fingers and hope that nothing will happen while you're driving.

But, when you're involved in a car accident, even one where you are not at fault, you will have to face legal and financial consequences. As for damages to your car and for physical injuries, you may have to pay for these out of pocket, even if the other party was the one at fault.

You need to carry at least liability insurance, since this is legally required for you to drive a car in most states. Not carrying liability insurance may mean a devastating financial blow for you, especially if you are made liable for a car accident that caused serious injury, disability or even death of the insured. You will be the one paying for all these, and potentially, you can lose all the assets you have - such as your home, your car, and even your future income.

Other consequences of not carrying the minimum required insurance include:

  • Having your driver's license suspended or revoked
  • Some jail time
  • Penalties as stipulated by the state
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