Driving with no car insurance has plenty of risk and one is getting sued personally for damages and injuries sustained by others.
Not only can you be you subject to fines, drivers licenses suspension and other penalties by the state but your personal assets are at risk every time you operate a vehicle with no car insurance.
” Many drivers opt to drive without car insurance from a financial decision than a logical one “
Some people simply can’t afford car insurance premiums but still need transportation however many states have low income car insurance plans or reduced minimum liability requirements for drivers who can not afford car insurance so before opting to drive without insurance contact your State Department of Insurance or Division of Motor Vehicles to learn about your options. If you do happen to be involved in a car accident with no insurance then there are some things you can do to help deal with the situation.
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Keep Records
If you are sued for a car accident its critical to have all the facts of the accident documented. When the accident first occurs check and make sure everyone is safe then start taking a detailed record of what happened. Where you are (street address), direction of travel, any traffic signs, names of people involved, witnesses etc… The more information you have (especially if you were not at-fault) the better a case you or your legal counsel can defend. An accident report is a critical piece of the puzzle so you will need to contact the police about getting a copy of this.
Retain an Expert
Once you are served with a lawsuit the matter becomes part of the court system and you need to seek appropriate legal counsel if you want to defend yourself properly. Try to ask friends for lawyer recommendations or Google searches like “Car Accident Lawyer” in your area. The hiring of an attorney is a big decision and one you do not want to take lightly so take advantage of any free consultations offered by potential lawyers choosing one who has both the experience and reputation for success. Having kept proper records about the facts of the car accident will certainly make any consultation with an attorney a much easier experience than just walking in and saying “Hey, I was in a car accident with no insurance and got sued – can you help?”
Car Insurance Options
Operating any vehicle with no insurance is a risk and you never want to drive around knowing you could be moments away from personal liability so it’s important to learn about all your car insurance options instead of just assuming you can’t afford coverage. Most states have special car insurance programs to help drivers who can not afford coverage secure some type of policy and almost all car insurance agents are aware of these programs. Before risking exposure to a lawsuit from driving with no car insurance learn about options.
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