4 Things You Can Expect After an Uninsured Vehicle Accident

Whether you’ve let payments lapse because of lack of funds, or you just haven’t gotten around to acquiring it, not having car insurance in San Diego or any other place in the world can lead to larger problems if you find yourself in a fender bender or more serious accident. Some states don’t require you to have it by law, however, they often will require you to pay up if there’s property or bodily damage that occur as the result of an accident that you caused. What follows are four things you can expect after experiencing an at-fault accident with an uninsured vehicle.

Costs

If you’re found at fault for an accident, you personally will be responsible for personal injury and damages that follow. You’ll be responsible for paying for the repair of the other party’s car, any bodily injuries, and the other driver can sue you for damages as well. These expenses will be very costly, and they are ones that are normally handled by an auto insurance company. If you think auto insurance is too expensive, the costs you will incur from an at-fault accident are greater and more severe.

Legal Consequences

These will vary depending on the state you were driving in, or the state where your driver’s license is issued, as each state in the US has its own set of driving laws. Some of these ramifications could include:

Traffic Violation Ticket (for driving without insurance)
Additional fines applied by the state
Higher insurance premiums when you do decide to get vehicle insurance again.

SR-22 Requirements

If you are found driving without insurance, you may have to file for an SR-22insurance certificate. This form shows that you meet the state’s minimum requirements for driving with insurance and guarantees you will do so for a fixed period of time. These filings are usually related to DUIs, a suspended license, or driving without insurance.

Suspension of Your License and Registration

Regardless of the state, it’s likely you won’t be driving for a few months or a period of several months, as your driver’s license will likely get suspended as well as your registration.

It’s a very real possibility that your financial assets could be taken from you as a result of being in an at-fault accident without insurance. It’s almost always a good idea to have some form of coverage, even if it’s very minimal. Driving without insurance begins to cross some legal boundaries, which is why it’s always good to have coverage.