What happens if you get caught driving without insurance?

On Behalf of | Aug 24, 2022 | Traffic Violations

Florida law requires liability and no-fault personal injury protection insurance from every driver. To register your vehicle or drive it on Florida roads, you have to maintain insurance coverage. You have to present evidence of your coverage during traffic stops and after any collision, even if you are not at fault for the wreck.

For someone struggling to pay the bills every month, motor vehicle insurance may seem like a frivolous expense when compared with groceries or rent. However, if the police pull you over or you experience a crash while you don’t have insurance, there can be major consequences.

During a traffic stop

If a police officer pulls you over for failing to use your turn signal or exceeding the posted speed limit, they will expect you to provide proof of insurance and registration. If you don’t have proof of insurance, you could face the suspension of your license for up to three years.

After a traffic collision

If you cause a crash when you don’t have insurance, you will likely lose your license just like you would during a traffic stop. You will also have personal financial liability for the other party’s losses. If you are not at fault, your lack of no-fault personal injury protection could affect how much you receive from the other driver’s insurance company. Those with an uninsured driving infraction on their record may have to buy specialized insurance when they get their license back.

There may be ways to defend yourself against allegations of driving without insurance. Learning the penalties can help you see the benefit of fighting back against charges related to driving without insurance.