If you are in an accident or stopped by a police officer and you have no insurance or a suspended registration because you let your insurance expire, the consequences are very expensive. In most cases, even the inability to provide proof of insurance if pulled over can lead to penalties.
California law necessitates that all drivers prove they are financially able to pay for damages if they are involved in an accident. This includes property damage as well as personal injury or death involving the other party in the accident. You many have heard of the term “financial responsibility”, this is a certificate you can file with the DMV that states you are self-insured however, is very expensive. It’s best to ask your insurance agent about the state minimum requirements for auto insurance and purchase it.
According to the Department of Motor Vehicles your driver’s license could be suspended for four years if you are caught driving without insurance in California. It’s apparent that the penalties are not worth it as California law is truly toughest. Insurance company’s and the DMV work hand in hand. If your insurance has expired or was cancelled the DMV is notified and they will suspend your registration until you provide proof of insurance or financial responsibility. If you are pulled over and cannot provide proof of insurance or financial responsibility, you will be issued a citation and it’s very likely your vehicle will be impounded as well.
Without question, you will pay large fines if your license is suspended and your vehicle is impounded. If you are involved in an accident, you will lose your car, license, and registration as well and subject to a lawsuit for any personal injury, death or property damage that may occur.
It’s very clean that insurance is costly but, it is a small price to pay compared to the cost of being involved in an accident uninsured. Call for a quote today.