I’m sure you’ve heard this before – it’s not smart to drive around without car insurance. But if you do find yourself accidentally driving without coverage, make sure you avoid these eleven things.
1. Don’t Ignore the Ticket
If you get pulled over for speeding and then fail to provide proof of insurance, you’ll be facing a hefty fine (not to mention points on your driving record), but that’s not the only thing you need to worry about. If it turns out that you did have coverage, yet just didn’t have proof on hand at the time, then your provider may drop you.
2. Don’t Try to Drive Around Without Insurance
Similarly, you might think it’s no big deal if you left your insurance card at home or in the glove compartment. You ended up driving without coverage so what does it matter? But after one month of not having the proper documentation on hand, your insurer will drop you. Once they deny you, call around to other companies (because if one company says no, another might say yes), but make sure you cancel your policy first.
3. Don’t Ignore the Letter from Your Insurance Company
After 30 days of being dropped by your insurer, you’ll probably get a letter in the mail saying as much. If that’s not enough to scare you into action, then take note that if you are in an accident after this, your insurer won’t cover you.
4. Don’t Lie
You might be tempted to lie about not having insurance because it feels better than admitting to driving without coverage. But these kinds of lies can come back to haunt you – if your insurer ever finds out that you were under-insured when they have to shell out a large sum of money, you’ll be in big trouble.
5. Don’t Try to Cover the Premiums
One option for avoiding car insurance is simply not paying your premiums and hoping that “the letter” from your insurer never arrives in the mail. But if you do find yourself with an accident after this time, don’t think about trying to pay the premiums in order to get coverage again. Your provider won’t refund you for the time that you’ve missed, and they certainly won’t lower your rates because you’re paying them late.
6. Don’t Drive Without Getting Insurance Again
If you end up with an accident after being dropped by your insurer, don’t think about driving around without coverage again. Your provider will probably drop you once more, but even if they don’t, you’ll still be facing drastically increased premiums – not to mention the fact that your insurer may actually increase your rates because of the accident(s) you’ve had recently.
7. Don’t Let Insurance Lapse at All
Your insurer won’t just drop you after thirty days of not having a policy – they’ll actually cancel your coverage after just one. So don’t think for a moment that you can simply abandon it and then come back to it later on. If you do, you’ll have to pay all of the past due premiums before receiving new insurance, meaning you’ll be shelling out some serious cash.
8. Don’t Have Other People Drive Your Car If It’s Not Covered
If your kids or friends ask to borrow your car, make sure you’ve got the right coverage in place before handing over the keys – not only will they be driving without insurance if they don’t have their own policy, they’ll also be driving without your policy, meaning your insurer will drop you if they get in an accident.
9. Don’t Forget to Increase Your Coverage Amounts When You Add Another Vehicle
If you make the decision to purchase a new car (or even just buy one used), it’s important that you don’t forget to increase your coverage amounts – if you don’t, your insurer will drop you, meaning that in the event of an accident occurring while driving without coverage, no one will be there to help pay for the damages.
10. Don’t Just Add Yourself to Someone Else’s Policy
If your roommate or spouse has a car but doesn’t have insurance on it yet, don’t just sign yourself up to be on their policy – chances are good that your insurer will drop you because of this. So before doing anything else, make sure the car is insured first, even if it means postponing your plans to drive it for a few weeks.
11. Don’t Assume You’re Covered If Your Vehicle Is in Storage
Your car insurance only covers you when you’re using the vehicle, so if it’s sitting in a storage unit during the winter months, don’t think for a moment that you’ve got coverage. In fact, not only will your insurer drop you if they find out, but chances are good that they won’t cover any accidents or thefts that occur to your car while it’s at rest.
What do I need to know about car insurance?
Car insurance is probably the most important thing you’ll ever buy when it comes to your vehicle, so make sure you understand what you’re buying and how much coverage you’ll need in order to avoid paying out large sums in case of an accident.
Do I have other options?
Of course! If you’re having trouble finding affordable rates through your current insurer, consider switching companies – chances are good that another company will be able to offer you better prices by offering lower premiums or additional coverage amounts. However, it’s important to note that insurers don’t just drop you for not paying your premiums – they’ll often cancel coverage for failing to keep up with the terms of your insurance agreement.
Where can I get cheap car insurance?
Although prices will vary depending on the provider, there are certain actions that you can take in order to get yourself cheaper rates. For starters, increasing your deductible and avoiding accidents for a few years will help keep costs down, so make sure you remain accident-free between policy periods if you want to avoid paying extra.
As A Rule
We hope this list has been helpful. If you have any additional thoughts or questions, please feel free to comment below and share your insights with us!