If I get car insurance after an accident to report my coverage details to police, will I avoid being penalized for driving uninsured?

I offered to pay out of pocket after an accident since I don't have insurance, but the other driver insisted on calling police. The officer said he'd mail me a form to fill out with my insurance details. If I get insurance now and fill out the form, will I avoid penalties for driving uninsured?

Answer
It depends on the state. Sometimes, if it’s your first offense, they may be okay with you handing in the proof of insurance later. But you may be court ordered to file extra paperwork with the DMV for a length of time, proving that you’re continuously carrying insurance. You won’t be able to claim the accident on your new insurance policy, and you may or may not get a citation; it depends on what the court decides.
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Savannah Grabek
Answered on Feb 22, 2021
Savannah Grabek is an expert in Personal Lines insurance. She has 5 years experience in the insurance industry. Savannah began her carrier working with just property insurance and is now tenured in all personal line including home, auto, motorcycle, boat and umbrella. She previously worked for GEICO and has now been working with Jerry insurance for the past year. Savannah lives in New York with her son, fiancé, and puppy Bear. In her free time she enjoys spending quality time with her family and hiking with her dog.
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