Avoid Becoming Uninsured Driver

Automobile insurance rates vary a lot, depending on numerous factors. And people who pay a lot or have insufficient funds usually think about dropping coverage. This is a big mistake and you should avoid it. There are better alternatives, like shopping around using online car insurance quotes. You should avoid becoming uninsured driver, or you will end up in one of the following situations:

  1. automobile insurance ratesInsurance is the law. All states require some form of insurance, and may suspend your license or revoke the vehicle tag if you do not carry coverage. Many states require insurance companies to notify them of dropped coverage, so it is difficult to get away with not having proper insurance. You face fines along with the prospects of having your driver license or vehicle registration suspended or revoked.
  2. You are responsible for injuries and damages. The typical driver could be financially devastated by the out of pocket costs without coverage, especially if more than one person was injured seriously and you are at fault in the accident. Even the minimum coverage required by most state laws is not sufficient to completely protect you against all claims, but it is far better to having no coverage at all. You are not relieved of responsibility for the accident by not having insurance; you are only making it more difficult for you to reimburse the victims of your wrongdoing.
  3. You could be penalized, and have to pay more for coverage. If you are convicted of driving without insurance, you may be required to carry an SR-22 certificate of financial responsibility for 1 to 5 years, pay court costs and other citations associated with the case. Multiple convictions include higher fines as well as jail time. Additionally, each time you are convicted of such a violation, the risk to insure you increases, resulting in higher premiums or even being dropped.

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