Driving Without Insurance

You cannot drive without insurance, ever.

Almost all states have liability insurance and all states have financial responsibility laws. This means that no matter what, you must have sufficient financial assets in case you cause an accident and you have to pay a claim. If you are not financially covered, then you will have to purchase auto insurance.

Auto insurance is designed to protect your property and assets. If you skimp on buying insurance and try to get by on as little as possible, you could be creating a potentially bad situation. Most insurance companies and consumer protection groups recommend you purchase at least $300,000 property damage liability and $100,000 bodily insurance liability coverage.

Many serious accidents far exceed a state's minimum limits and you could end up in serious financial trouble if you do not have enough protection.