Everything you need to know about driving without insurance. Firstly, driving without insurance is against the law. The laws regarding insurance policies are usually referred to as economic responsibility laws. $100,000 worth of protection against bodily injury is recommended, in addition to $300,000 per accident. You might be right if you think you will get away with it. But if you are wrong, you will without a doubt will have an enormous price to pay - financially and emotionally if someone is maimed or dies. Charges for driving uninsured include suspensions, fines and even jail time.
Not every man or woman driving uninsured is criminal-minded or looking for an smart way out. My wife forgot our bill was due, the next day a letter was sent to Pennsylvania's Department of Transportation, stating we were driving without being insured. Then we had to present proof of insurance in the time that our insurance plan lapsed, which was just a week or prove that the car wasn't used during that period. This is a needless hassle in an currently busy life. Make an effort to stay on top of your premium. If you can afford to do so, set up a auto-renew option on th policy.
If an uninsured driver causes an accident, not only does he causes problems to himself but also to the other road users involved. For example, if the car was a public service vehicle, then the passengers will find it hard in seeking for compensation for injuries sustained. Medical bills would be hard to meet for financially unstable victims.
In case if you are not insured and if any accident occurs due to your fault then you will have to bear the entire cost of accident that includes fees and damages. If you are equally responsible for the accident along with the other party then the cost will be shared between both of you. The other party's insurance will compensate for the cost of the insurance. But if the other party also is not insured then you have to hire a lawyer to settle the claim.
So even now if you are considering of driving without license then have some consideration about the rest of the drivers on road. So drive carefully to prevent accident and if you don't have insurance then don't drive your car as driving without proper insurance is unlawful. Thus it is very crucial to have a proof of your insurance in the vehicle that you are driving.
While driving without insurance if you get caught and if you are not the car's owner then the owner of the car will be sent a notice to show the proof of insurance and he or she will have to comply with the notice by presenting the proof of insurance within ten days of receiving the notice.
You will be NOT covered in case there is an accident. You may be responsible for all problems and fees if you are at fault in a crash. The other parties' insurance policy will pay their client's portion if you are discovered to share the fault in an accident. In the case where the other party is also uninsured, well you are pretty much screwed - put simply it just isn't worth the risk! In case the other party reaches fault, then their insurance company will pay for the damages. Lastly, get a lawyer, since it's about to get ugly for the two of you.
PLEASE have consideration for other drivers on the road who happen to be being financially accountable if you still believe you absolutely have to drive without insurance. Travel carefully and try to avoid high risk routes where collisions statistics are highest.
Not every man or woman driving uninsured is criminal-minded or looking for an smart way out. My wife forgot our bill was due, the next day a letter was sent to Pennsylvania's Department of Transportation, stating we were driving without being insured. Then we had to present proof of insurance in the time that our insurance plan lapsed, which was just a week or prove that the car wasn't used during that period. This is a needless hassle in an currently busy life. Make an effort to stay on top of your premium. If you can afford to do so, set up a auto-renew option on th policy.
If an uninsured driver causes an accident, not only does he causes problems to himself but also to the other road users involved. For example, if the car was a public service vehicle, then the passengers will find it hard in seeking for compensation for injuries sustained. Medical bills would be hard to meet for financially unstable victims.
In case if you are not insured and if any accident occurs due to your fault then you will have to bear the entire cost of accident that includes fees and damages. If you are equally responsible for the accident along with the other party then the cost will be shared between both of you. The other party's insurance will compensate for the cost of the insurance. But if the other party also is not insured then you have to hire a lawyer to settle the claim.
So even now if you are considering of driving without license then have some consideration about the rest of the drivers on road. So drive carefully to prevent accident and if you don't have insurance then don't drive your car as driving without proper insurance is unlawful. Thus it is very crucial to have a proof of your insurance in the vehicle that you are driving.
While driving without insurance if you get caught and if you are not the car's owner then the owner of the car will be sent a notice to show the proof of insurance and he or she will have to comply with the notice by presenting the proof of insurance within ten days of receiving the notice.
You will be NOT covered in case there is an accident. You may be responsible for all problems and fees if you are at fault in a crash. The other parties' insurance policy will pay their client's portion if you are discovered to share the fault in an accident. In the case where the other party is also uninsured, well you are pretty much screwed - put simply it just isn't worth the risk! In case the other party reaches fault, then their insurance company will pay for the damages. Lastly, get a lawyer, since it's about to get ugly for the two of you.
PLEASE have consideration for other drivers on the road who happen to be being financially accountable if you still believe you absolutely have to drive without insurance. Travel carefully and try to avoid high risk routes where collisions statistics are highest.
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There is a lot of information to learn when it comes to driving without insurance. An excellent starting point would be to visit the following website at drivingwithoutinsurance.org.
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