There are so many negative possibilities to driving without having insurance cover, some of them very severe. Despite this 1 in 10 drivers in the UK and US take to roads without it and put both themselves and others in all sorts of danger. Lets us examine what exactly you could be facing if you make the choice to drive without being fully insured.
Penalties. Depending on where you are, there are a variety of different penalties that the authorities can pin on you if you get caught. One of the most common penalties is getting points put onto your licence, which will then cause you premiums to increase, may effect other types of insurance you have and can even cause employment issues. For example, if you want to take a driving job, you will more than likely need to have completely clean licence. More often than not you will receive a fine also, which do tend to be on the expensive side and will certainly be more than insurance would have cost you. If you are an employer and you don’t have business vans insurance for instance, you may even lose your whole fleet of vehicles.
Damage. If you are unfortunate enough to be involved in vehicle accident and you don’t have insurance, the fees for damage caused will take your breath away. Not only will you be footing the bill for your own car’s damages but any other vehicles involved will have to be repaired using your money if the accident was your fault. People can also be charged for damage to the road, signs and even damaged trees.
Medical fees. If the worst should happen and you are involved in an accident that is your fault and causes people to suffer injuries, you’ll soon have some big extra costs to face. Medical fees tend to spiral quite rapidly and can go on for years after the accident when people claim for ongoing physio or operation costs. To be honest, you’ll end up spending a great deal more that it would have cost you to get cover to start with
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