No one enjoys paying for auto insurance, but going without it is risky. Even letting your policy lapse for a few days leaves you vulnerable to lawsuits and legal penalties, and it could make it harder to get coverage in the future. If you're thinking about getting behind the wheel without auto insurance, consider the following reasons to wait.

Why Shouldn’t You Drive Without Coverage?

1. Traffic Tickets & Fines

Every state requires drivers to carry at least a minimum amount of coverage to protect other drivers. Law enforcement takes uninsured motorists very seriously, so you'll likely be issued a ticket. The resulting fines and reinstatement fees could cost hundreds of dollars.

2. Personal Liability for Auto Accidents

If you cause an accident, auto insurance will cover any damages, including hospital bills and vehicle repairs. If you don't have coverage, the injured parties can take action against you directly.

Additionally, you could find yourself footing the bill for these damages even if you're not at fault for the accident. If the other driver also lacks liability insurance, you could be stuck paying for your own medical bills and car repairs.

3. Higher Insurance Premiums

Insurance carriers consider lapsed policies to be red flags, so they'll likely charge more when you try to buy coverage later. In fact, some insurers may refuse to cover you at all if you have significant gaps in your insurance history.

4. Loss of Driving Privileges

In many states, driving without insurance is a misdemeanor offense, even if you don't cause an accident. In addition to fines and penalties, you could lose your driving privileges, and you may even be sent to jail.

If you’re paying too much for auto insurance, the agents at Superior Insurance will help you find the best coverage and rates possible. With offices in both Raleigh and Durham, NC, they work with a variety of leading carriers, giving drivers throughout the Triangle area an almost limitless selection of policies to choose from. For more information about their auto insurance services, visit their website.