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What happens if I cause an accident and don't have insurance?
What would happen if I caused an accident when I didn't have insurance? I accidentally let my policy lapse a few months ago. Everything is okay now since I have a new policy in place. But how bad could it have been if I didn't get a new policy?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Thank goodness you could start a new
car insurance
policy without any incidents! When people think about an uninsured accident
, they usually think of the cost of the accident itself, but the price tag of any future lawsuits can be even higher.Here is what one at-fault accident could cost an uninsured driver:
- $57,000 in hospital bills (for one hospital stay after a car accident)
- $6,600 in emergency room costs (for two injured people to visit the ER)
- Between $2,000 and $10,000 in car repairs (depending on if framework repair is needed)
- $39,000 to replace the value of a totaled car (the average value of a car on the road today)
- An additional three to five times the total out-of-pocket damages if the other party brings a pain and suffering lawsuit
Just one car accident could easily cost you hundreds of thousands of dollars. Without insurance, you would have to pay this amount out-of-pocket and with years of future paychecks.
Don’t forget state-enforced penalties for driving without insurance:
- Fine for driving uninsured
- Increased cost of future insurance policies
- License suspensions
- Registration revocations
One great way to avoid a lapse in coverage is to have all of your car insurance information in the palm of your hand. If you purchase a policy or switch through
Jerry
, you’ll have digital insurance ID cards in-app at all times, not to mention a team of agents ready for any questions you have.View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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