How long is a driver’s license suspension for driving without car insurance?
Driving without insurance can be punished with the suspension of your driver’s license and vehicle registration, for a mandatory amount of time and/or until you provide proof of insurance and fulfill all reinstatement requirements.
Here are a few license suspension terms for a first offense of not having insurance in various states:
Longer suspensions and increased punishments will be given for a second offense of driving without insurance (and even more for subsequent offenses).
How do you get caught driving without insurance?
So you may think you’re in the clear as long as you don’t get pulled over and avoid car accidents—wrong! Law enforcement officers now have access to automatic license plate recognition systems that can instantly pull up a car’s insurance information. If you’re reported to law enforcement for not having insurance, you could be pulled over and ticketed if they spot you driving.
How to avoid penalties for driving without insurance coverage
Believe it or not, driving without car insurance isn’t always a criminal or intentional act. Sometimes it’s a complete accident! Here are some ways you can avoid the penalties for driving without coverage.
Don’t miss car insurance payments
Avoid lapses in insurance coverage
If you’re switching insurance companies, you’ll want to ensure no lapses in coverage occur during the transition. Notify your original provider that you’re switching policies, and let them know the date that your new policy will become active.
Is there a car insurance grace period?
Some insurance providers offer a 10 to 30-day grace period if you miss a payment. This means you’ll still be covered if you have an unpaid bill. Make sure to read the terms of your contract to see the grace period length and if there are any penalties for using it.
How to check if your driver’s license is suspended
You can always check with the DMV (Department of Motor Vehicles) to see the status of your driver’s license.
If your license is suspended for driving without insurance, you may be able to reactivate your driving privileges right there at the DMV if you can show proof of insurance (SR-22 typically required) and fulfill the rest of your legal obligations (reinstatement fees, fines, etc.). But, of course, it all depends on your state’s legal process.
