No Proof of Insurance

No Proof of Insurance  – Having insurance is more than just a burden to be carried while driving a vehicle. Basically, Insurance helps drivers to fulfill their financial responsibility. When damages occur through an auto accident, insurance will help cover damages.  When damages occur against the driver, the insurance company can help you. They will help make certain that you are covered by the other driver’s insurance company. They can also make sure you have all of the resources available so that you’re able to efficiently communicate with the other driver’s insurance company.

Failure to show proof of insurance is, what the state considers, a ‘Failure to maintain financial responsibility.’ As a driver, and, as the owner of a vehicle, you are responsible for the actions of that vehicle while it is completely under your control. If anything happens while driving that vehicle, the driver is held accountable. Paying an insurance company each month allows you the opportunity to use them for assistance if you are involved in an accident while driving your vehicle.

It varies state to state, but, if you are caught with no proof of insurance, you will be given a citation for ‘Failure to maintain financial responsibility.’ Depending on the state, you will be given a chance to show, in court, whether or not you had insurance at the time you were pulled over. If, in court, you’re unable to show proof of insurance, you could endure a hefty fine coupled with the suspension or revocation of your license.

If you’ve been convicted of a DUI, it becomes a lot more severe.

Along with a DUI arrest, your driver’s license could be suspended. Again, it varies state to state, but, most states will couple a license suspension or revocation alongside a DUI conviction if the driver had no insurance at the time of DUI or DWI.

If a driver has insurance at the time of DUI or a DWI, the court will require filing for financial responsibility. Driver will need to purchase through an insurance company an SR-22 form within the state. The SR-22 form is the way an insurance company communicates with the state that you have fulfilled the court’s obligation by holding insurance. A driver who fails to do this can get his license revoked or suspended.

A driver is required to file an SR-22 for 3 years, unless otherwise directed by the court (it could be more). If a driver does not file an SR-22 and drives, they could face hefty fines, suspension and possible arrest and impoundment of their vehicle.

If drivers don’t file an SR-22 and doesn’t drive, after 3 years they will be required to file an SR-22 whenever they return to the DMV to re-instate their license.

These regulations have been created in order to protect drivers so that, if damages are incurred through an auto-accident, then the damaged party will be protected.

Each state has their own rules. The state codes that have been created are full of hefty fines and punishments to deter drivers from failing to maintain financial responsibility. If you are pulled over, and you do not have insurance, and you are not able to provethat you have insurance, there are severe consequences that will be served.

Again, this is ultimately regulated in order to protect other drivers in the case of an accident. On top of that, the purpose of the SR-22 is to keep high risk drivers accountable. The state has seen that it is important to regulate high risk drivers so that they maintain financial responsibility. If you’ve been classified as a high risk driver, it is extremely important to file an SR-22 so that you’re able to show the state that you’re willing to maintain financial responsibility whether or not you’re involved in an accident.

There is zero reason not to have auto insurance. If you’re involved in an accident and do not have insurance, the cost of covering damages incurred are extremely higher than having insurance, especially if the damages are your fault.