Driving is a convenient way to get around because you don't have to spend money on public transportation, but there is still the risk of losing money. A driver could lose money if they get sued by another driver for causing an accident that caused vehicle damage and injuries. Due to such a situation being a high risk when sharing the road with numerous other drivers, auto insurance coverage is mandatory in most states. If you are aware that auto insurance coverage is mandatory in your state but have been driving uninsured, invest in coverage as soon as possible. Getting pulled over for the most minor reason can lead to you having to present proof of insurance coverage and being penalized.
The Penalties for Driving Uninsured
When drivers are caught driving without auto insurance coverage, the penalties can vary based on a few factors. The reason is that it is possible for one uninsured driver to deserve a higher penalty than another uninsured driver. For example, an uninsured driver who gets pulled over for having one headlight might get a fine. On the other hand, an uninsured driver who was speeding and has committed multiple driving offenses in the past might get a fine and jail time. The possible penalties are not only dependent upon the situation of each driver, but also the state laws regarding auto insurance.
Auto Insurance Coverage Options
When choosing auto insurance for your vehicle, there are a few options available that should be considered wisely. The most affordable option would be liability insurance coverage, but you might want to consider full coverage instead. The difference between liability and full coverage is that liability will only cover the other driver when you cause an accident. Full coverage not only covers other drivers but will cover you whether you are liable for causing an accident or not. It is wise to speak to an insurance agent to obtain thorough details about the coverage options that are available.
Preventing an Insurance Premium Increase
You should be aware that it is possible for your auto insurance premium to increase under certain circumstances. The fastest way for an insurance premium to increase is for a driver to continuously commit driving offenses. The offenses could be from anything such as receiving parking tickets or causing accidents. To prevent your insurance premium from increasing beyond what you feel comfortable paying, be sure to follow the road rules after you obtain coverage.
Contact a local auto insurance company to learn more.