What happens if you get into an accident without insurance?

What will happen if I injure someone in an accident and I don't have insurance? I don't currently have insurance.

Answer provided by
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Emily Maracle
Answered on Jul 09, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“Without insurance or bodily injury liability, you are responsible for any damage you cause. This means that if you injure someone and don’t have bodily injury coverage, you would have to pay for their medical bills and expenses out of pocket.
If you refuse to pay them or can’t, their insurance or the driver themselves can file a lawsuit against you. You could see your wages garnished or assets liquidated to pay for the costs.
Beyond being held responsible, your license can be suspended and you could be fined for driving without insurance.
State minimum car insurance requirements exist to help protect all drivers. If you are choosing to drive a vehicle, you need to be properly insured. If not, you can face fees that far exceed an insurance premium.”
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