Driving without insurance can be one of the most dangerous things that any person can do. Insurance is required for driving on the road, as it helps to ensure that everyone is responsible enough to pay for any accident insurance settlement damages that they might incur by being reckless. If you encounter a car accident for the first time, you may be unclear on how car accident insurance claims work, but the process is quite simple. The best thing to do is simply not to drive when you do not have insurance, or do not have a sufficient amount of insurance in order to be able to legally drive your vehicle. Choosing to do so regardless of the consequences can be quite dangerous for both you and everyone else who may be involved.
What Happens?
If you experience an accident while you are without insurance, there are several things that are likely to happen. In many cases, you will lose your license for a period of time, sometimes as much as a year. This can be severely damaging to your financial situation if your job requires that you drive to work or for work. In addition, there are sometimes fines and penalties that may accompany the loss of your driver's license in the case of being found to be driving without insurance. Again, the best thing for yourself and for everyone else is to simply not drive unless you have sufficient insurance.
If you are found to be responsible for the accident, then you will likely be forced to pay all expenses out of pocket. In the case of extremely extensive and major accidents, the amounts you could be required to pay could easily overwhelm you and force you to declare bankruptcy. Insurance is useful in helping to ensure that you are able to protect yourself financially and ensure the future stability of your financial situation. If you risk driving without insurance, you are putting your financial life on the line.
If, however, the other party is found to be at fault, then you will likely be able to make a claim and be entitled to the damages. You may have to negotiate in order to receive the full amount of the damages, in which case, a lawyer is often a useful tool to have on your side. By consulting with a lawyer, you will be assured that you have done all that you can in order to help ensure that the damages that are owed to you are paid up in full, though there is little that can be done in the manner of losing your license. There are penalties and consequences for all illegal actions.
