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By: Kacie Goff Written by: Kacie GoffArrow Personal Finance Writer Kacie Goff is a finance and insurance writer with over 7 years of experience in personal and business insurance options. He writes for , The Simple Dollar, NextAdvisor, Varo Money, Coverage, Best Credit Cards and other magazines. He handles a wide variety of policies, including less common insurance such as package and E&O insurance, and he specializes in auto insurance, homeowners insurance and life insurance. Connect with Kacie Goff on LinkedIn Connect with Kacie Goff via email Kacie Goff
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If I Have No Car Insurance And Someone Hits Me
Editor: Jessa Claeys Editor: Jessa ClaeysArrow Insurance Editor Jessa Claeys is the insurance editor for , covering auto, home and life insurance. He has over six years of experience writing, editing, and leading a team of content creators dedicated to helping others achieve a better financial future. His work has been published in numerous insurance, personal finance, and investment publications, including Jerry, BigerPockets, 401(k) Expert, BP Wealth, and others. Connect with Jessa Claeys on LinkedIn Linkedin Jessa Claeys
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Almost every state in the United States requires car insurance, but the majority of drivers across the country remain uninsured. While saving money and driving without insurance may seem like an acceptable risk, consider this. If you are stopped by the police, especially if you have been involved in an accident, you may face fines, suspension of your driver’s license, or worse consequences, as well as liability for injuries or damages if you are at fault.
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The severity of a car accident can range from minor to serious. But even if another driver caused the collision, driving without insurance still has consequences.
If you were at fault for the accident and have insurance, you may be compensated for accident-related losses up to the policy’s payout limit. However, if you are involved in an accident while driving without insurance, you may face significant damages and out-of-pocket costs, including but not limited to:
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Although some drivers have medical coverage or PIP coverage to help cover medical bills, the injured party or their insurance company may try to recover these costs from you if you are found to be at fault for the accident. However, some states are considered no-fault states, so it’s a good idea to speak with an insurance professional to understand what liability you may be liable for without proper coverage.
If you’ve been involved in an accident you didn’t cause – perhaps you were rear-ended by another driver – problems can arise without insurance.
Insurance is mandatory in all U.S. states. except for New Hampshire. Most have minimum car insurance requirements, but you can buy a higher level of coverage if you want. Often, experts recommend coverage limits that are higher than the minimum requirements to provide better financial protection in the event of a serious accident.
Even if you drive in an area where insurance is not required, you may still face consequences if you are at fault in an accident.
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New Hampshire is the only state that does not require car insurance to be roadworthy. But that doesn’t mean you can avoid liability if you cause an accident.
If you choose to drive without insurance in New Hampshire, but you are the at-fault driver in an accident, you are still responsible for the damages and injuries of the other party.
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