Car accidents can happen any time, anywhere. Because most of us rely on personal vehicles to get to work, school and social activities, they’re an integral part of our lives. What happens if your insurance lapses and you keep driving?
The short answer is: nothing good. Ohio requires drivers to carry a minimum of $25,000 in insurance at all times. If you’re involved in an accident and can’t present your insurance company, you could face serious consequences.
At the Law Offices of Tim Misny, we urge drivers to carry appropriate insurance policies at all times. Not only is it the law, but it will increase your chances of coverage after a collision.
Consequences of driving without insurance
Failing to carry insurance can come with the following penalties:
- Possible jail time: If you’re in an accident or are pulled over, you may be required to present your insurance information. Failing to carry insurance means you’re guilty of a misdemeanor. For people with prior convictions, outstanding warrants and repeat offenses, that could mean jail time.
- Impounded car: Depending on where your accident occurred and the circumstances involved, your car may be impounded. Not only is that a hassle, but you’ll have to pay fines to recover your vehicle.
- Fines, tickets and fees: Driving without insurance can subject you to a number of tickets, which usually include fines and fees. That can add up fast.
- Driver’s license suspension: Your driver’s license could be suspended for driving without insurance. Again, this comes with a hefty reinstatement fee—and if you’re caught driving without a license or insurance, the penalties may be worse.
- Increased premiums: Typically, once you’ve been pulled over for driving without insurance, your rates will go up and you won’t be eligible for good driver discounts.
Additionally, it may be more difficult to recover compensation when you drive without insurance—even if the accident was entirely someone else’s fault. While our attorneys will aggressively pursue compensation, it may still affect your case outcome.
Ultimately, driving without insurance is a no-win proposition. If you’re unable to obtain coverage, consider taking rideshares, public transportation or carpools to bridge the gap. Don’t make the mistake of thinking, “What’s the worst that could happen?” The risks are too high.
If you’ve been injured in an accident—even if you didn’t have car insurance—call the Law Offices of Tim Misny today.
Get representation for your Ohio car accident claim
Were you injured as a result of someone else’s negligence or recklessness? Whomever is responsible, I’ll Make Them Pay!® Get in touch with me at (800) 556-4769 so that I can evaluate your case as soon as possible.