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We all are well aware of the fact that auto insurance is a legal requirement, and you’re obliged to carry the minimum amount of coverage in order to drive a car in a particular state. It usually depends on the state the car is registered in and respectfully where it gets its plates. But what many of you would really like to know is what will happen if you get caught without having auto insurance? This is especially interesting for those who are looking forward to drop their insurance coverage and take the risk of driving while being uncovered.

The Insurance Information Institute tells that the penalty for driving without auto insurance coverage depends on the state you’re licensed in, as the laws vary across all states and the percentage of uninsured drivers is different too. For example, Massachusetts drivers who choose to not get auto insurance and get caught usually face fines between $500 and $5,000 and can even get up to one year prison sentence. In a set of other states including Florida, Louisiana, Connecticut and New Jersey, you won’t be able to get the car licensed without meeting the state minimums. And if you drop coverage afterwards and get caught, your car will simply get impounded, and it will cost you a lot of money and time to get it out.

So, before you decide driving without auto insurance, first makes sure to learn what are your state minimums and the penalties for not complying with them. The best source of information on the matter is your state insurance department or the department of motor vehicles.

But in any case, driving without auto insurance in not the smartest thing to do. Even if you won’t get caught by the police, ending up in a serious accident will cost you much more in out of pocket expenses than you would pay for insurance coverage. Sure, some of you may say they can’t afford having costly auto insurance. But who said that it has to be expensive anyway? (more…)

It’s titles to articles that really get people annoyed. It would probably be OK to say Mercedes-Benz make better cars than BMW. Somehow, it’s acceptable to compare the strengths and weaknesses of brands. But once we get into the area of individual skills, passions are involved. There would be hours of argument on whether Dario Franchitti is a better driver than A.J. Foyt. Most adults know how to drive and, as fans of Indy heroes, they will appreciate an everyday skill raised to the highest level. All this is safe territory. No one feels threatened by talk of the best, particularly when one is now retired. But start talking about whether you or your partner is the better driver, and egos are on the line – tempers are likely to get frayed very quickly. We are all proud of what we do. That’s a part of what gives us the confidence to keep doing it. Accusing A of not being as good a driver as B is entering a potential war zone.

Yet, if you go to the people who collect evidence about traffic accidents – that’s a range of people from the ambulances that carry drivers to hospitals, to the police and courts who decide whether anyone should go to jail, to the insurers who have to pick up some of the bills – they will all tell you the same story. Ambulances carry fewer women drivers. They are less likely to be injured because they drive more slowly than men. Women are less likely to break the law than men and so pick up fewer tickets and rarely commit offenses serious enough to justify jail time. Insurers prefer women drivers because they are rarely in serious accidents as drivers. They are injured seriously as often as men because, in most cases, they are being driven by men who ignore the basics of safe driving. (more…)