Before you skip buying auto insurance, there are some things you should know about penalties for driving without insurance. While each state has its own car insurance laws, chances are you'll face stiff penalties if you get caught driving without insurance.
These penalties range from a fine of $100 to $500, driver's license suspension, and even jail time (if you get caught driving after suspension of license). If worries about these possible penalties don't motivate you to purchase auto insurance, consider that you could get into even more trouble if you are the at-fault driver in a serious accident.
If you cause an accident, you can be held responsible for damage to the other party's car, plus any medical bills and even lost wages if they're
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Liability insurance is coverage that pays for the property damage and medical bills of the other driver if the accident is your fault, but remember that it won't pay for any of the damages to your car or your own medical bills.
Most states have certain minimum limits of liability. These are minimum amounts of insurance coverage that you are required to carry for property damage and bodily injury. You should be aware that these minimums aren't always enough to cover all of the other party's expenses in an auto accident, and you could still be sued for the remaining amount once the insurance coverage has been exhausted. This is why it's a good idea to consider buying auto insurance coverage over the minimum requirements.
Before shopping for car insurance, it's a good idea to take a look at your state's laws regarding auto insurance coverage. A simple way to do this is to simply Google the name of your state, followed by the phrase "auto insurance laws". Make sure you get information from an official government website, since you could run across one of the many websites that work by getting leads for car insurance quotes. If you run across one of these sites, you can't be sure that any information provided about state insurance laws is fully