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Risks of Not Having Auto Insurance

The best reason to carry California auto insurance is to protect yourself in the event of a loss. If you cause an accident and don't have insurance, you are liable for the damages. Not having auto insurance could sink you into a black hole of debt. You will also be creating a tremendous hardship for the other people involved in the accident if you can't pay for their medical bills in a timely manner.


However, if taking care of yourself and taking care of other people is not enough motivation for you to keep an active California auto insurance policy, the state has some extra incentives for you. You are required by law to carry a California auto insurance policy with at least the minimum liability limits. If you do not, you can expect to pay hefty fines and lose your driving privileges. The list that follows shows the potential punishments for driving without insurance:

  • Suspension of your driver’s license
  • Fines of up to $500
  • Your vehicle could be impounded

 

Isn’t it better just to get insurance in the first place?

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