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February 16, 2022

Penalty for Driving Without Insurance

The consequences for driving without insurance can be severe, and will likely lead to a pricey traffic ticket in Denver. Each state has its own insurance laws that come with penalties if you’re caught in breach of them. You must be aware of your home state’s policies, with most requiring a drivers license and some form of insurance coverage if you’re to use the roads legally.

The penalty for driving without insurance could be pretty hefty indeed, and an accident could be life-changing for you and any other involved parties, making understanding the information below essential.

Which Type of Car Insurance Do I Need?

Most states require you to have auto insurance to use their roads, proving that you’ve taken the financial responsibility to pay for any damages or medical bills accrued in an accident. Auto insurance demonstrates that you’re prepared to be held accountable for your actions behind the wheel and shouldn’t be skipped over. Some states may also require you to obtain liability insurance, which covers property damage and/or medical expenses sustained in an accident you’re found to be at fault in. This offers you protection should you be the cause of an accident, mitigating the damages expected of you.

There are various other forms of insurance you could opt for, should you choose. Collision Insurance, Uninsured Motorist Insurance, Personal Injury Protection, and Comprehensive Insurance are just a few examples of these. If you’re uncertain as to what level of coverage you require, you may wish to speak to your insurer or a lawyer, who’ll be able to help you understand the coverage on offer and what costs you may face should an accident occur.

Consequences of Driving While Uninsured

If you’ve been involved in a car accident, any claim filed must come within three years of the date it occurred, according to Colorado’s Statute of Limitations. Hiring a lawyer will help you considerably with this process, as their experience in the field allows them to provide you all the advice and guidance you need to file your claim expediently and provide evidence in support of your claim.

If you’re facing legal action for driving without insurance, the consequences will vary dependent on the circumstances and your personal history. Most States classify driving without insurance as a misdemeanor offense, and you’ll likely receive a fine. With that being said, different states have different penalties, and a history of repeated violations could see you incur more considerable fines or even imprisonment.

Hiring a lawyer could make a massive difference to the outcome of the case you’re involved in, whether you’re filing a claim against an uninsured driver or facing charges for driving without insurance yourself. If you’re facing charges for uninsured driving, a lawyer will examine all of the evidence available and aid you in presenting your case in the best possible light, with hopes of seeing your case handled more favorably and any penalty being reduced as a result.

Speak to a Lawyer in Denver, Colorado

Whether you’ve been involved in an accident with an uninsured driver or you’re facing these charges yourself, your best course of action is to reach out to our team at Justice For Colorado. We’re available for support and guidance, whatever the circumstances, so leave a message on our contact form or get in touch on 303-647-9691 today. Our team will provide you with all the information you require to consider the next step in your case.

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