Driving without car insurance is illegal in Ohio. It is actually illegal in all states except New Hampshire. The consequences of driving without car insurance vary greatly from state to state. The penalties can range from a warning to large fines or even jail time.
Can You Drive Without Car Insurance?
In 49 of the 50 states and the District of Columbia, you can’t drive without insurance. And even if you don’t own a car but you drive one, you’re still required to have insurance or be added to the car owner’s policy.
Every state also requires a minimum level of car insurance for insured drivers, and our agents will make sure you have the minimum required. You must have the following coverages (including if you have car insurance in New Hampshire):
- Bodily injury liability: Covers medical costs of people in the other vehicle when you’re at fault in an accident
- Property damage liability: Covers damage to the other car or personal property (such as a fence or mailbox) when you’re at fault
Before purchasing insurance, check the specific requirements for your state since medical payments coverage and personal injury protection coverage are also mandatory in some places. These cover your personal medical costs if you’re in an accident. Uninsured/underinsured motorist coverage may also be required in some states.
For required car insurance in Springfield, Ohio our team can get you set up with the right coverage at a great price.
The Consequences of Driving Without Insurance
If you’re legally required to have insurance based on where you live or your past driving history, there can be serious consequences for driving uninsured. Penalties vary by state and can include:
- Suspension of your license
- Having your car impounded
- The requirement to file an SR-22
- Jail time
The degree of the penalty also depends on the severity of the situation and whether you’re a repeat offender driving a car without insurance.
Purchasing Car Insurance in Springfield, Ohio
Don’t be caught driving without insurance. You are at risk of severe penalties and consequences even if it’s just for a week or so. Contact Link-Hellmuth today to ensure you have the proper coverage based on state requirements and your personal needs.