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Driving Without Insurance Can Be Bad For Your Health

Author: John Smith  //  Category: auto insurance tips

Driving Without Insurance Can Be Bad For Your Health

Everyone has a story to tell about some youthful indiscretion best forgotten. Whatever foolishness you may have been guilty of, there is one thing you should never consider doing. Under no circumstances should you ever sit in the driver’s seat without the required insurance coverage.

Even though many states are cracking down on uninsured motorists, a significant number of drivers still play the odds and drive without even minimum state coverage. While it is true that some things appear to be more pressing, driving without insurance carries risks that, too often, are not understood by those choosing to do so. In fact, there are serious repercussions for those making this extraordinarily poor choice.

On the emotional side, imagine how you would feel if you were responsible for an accident, with injuries, and had no insurance to handle the medical bills and financial damages for the innocent victims? Lives can be changed, forever, by the accident, but a lack of insurance and the financial relief it brings can make the situation far worse. If this is not enough to make you think more carefully about obtaining automobile insurance, from a selfish standpoint, you could not make a more foolish decision.

These are just a few of the possible consequences for those who are caught driving without insurance. This is a list of things that can happen to you if you are at fault in an accident and are uninsured.

    • You can be sued, and it is likely judge and jury will see you in a negative light once they learn you did not carry insurance.


    • If a judgment is brought against you, everything you own is at risk of being confiscated. It is possible to be left without any of your belongings.


    • If you cannot satisfy the judgment with what you own, your future earnings could be at risk. While you might believe you can declare bankruptcy and escape the debt, that is not always the case especially once the judge learns why you are facing bankruptcy.


    • If you lose everything, your credit rating can be adversely affected even if you don’t declare bankruptcy. That means you will be charged a higher interest rate and larger fees if any institution will even do business with you.


    • If your credit rating falls low enough, you can lose your job. Some employers will not keep people they feel are a bad risk. It is also possible that just being involved in an accident and not having insurance could have the same result. If you think it can’t happen, think again.


If you are stopped for a traffic violation, you have to show proof of insurance. If your insurance lapses, many states require insurance companies to notify the state that this has happened. These are just some of the ways your negligence can be discovered. What follows is a list of things that can be the result of driving without insurance even if you are not involved in an accident.

    • When you finally decide to purchase insurance, some companies may refuse to provide coverage. Even those that do will charge a significantly higher premium because you have let your coverage lapse.


    • If the state in which you drive learns you are driving without insurance, you can lose your license and receive heavy fines as well.


    • You might be forced to carry insurance with a high-risk carrier which means your policy will cost you a fortune.


If you believe saving money by not buying insurance will solve a problem, you are mistaken. It will cause far more problems than it solves. Make the responsible decision because, in the end, you won’t have to regret you didn’t.
Lori Franks blogs for and was the victim of an auto accident caused by an uninsured driver. Thankfully, injuries were minor for everyone involved, but the financial costs are still causing problems.

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