What happens if you don’t have auto insurance in California?

In California, it is illegal to drive without auto insurance. If you are caught driving without insurance in California, you could face several consequences, including:

1. Penalties and Fines: If you are pulled over by law enforcement and cannot provide proof of insurance, you may be subject to fines and penalties. The exact amount can vary, but it can be substantial, especially for repeat offenders.

2. Vehicle Impoundment: Law enforcement in California can impound your vehicle if you are caught driving without insurance. You would be responsible for the towing and impoundment fees in addition to fines.

3. Driver’s License Suspension: The California Department of Motor Vehicles (DMV) can suspend your driver’s license if you are found to be driving without insurance. To reinstate your license, you’ll typically need to provide proof of insurance and pay a reinstatement fee.

4. SR-22 Requirement: If you are caught without insurance, you may be required to file an SR-22 form with the DMV. An SR-22 is a certification of financial responsibility that proves you have the required insurance coverage. You will need to maintain this SR-22 for a specified period, which is typically three years, and any lapse in coverage can result in additional penalties.

5. Increased Insurance Costs: If you’re caught driving without insurance, and you do get insured afterward, you’ll likely face much higher insurance premiums due to the increased risk associated with being an uninsured driver.

6. Legal Consequences: If you are involved in an accident while driving without insurance, you could be held personally liable for any damages or injuries, which can lead to lawsuits and significant financial consequences.

It’s essential to maintain the minimum required insurance coverage in California, which includes liability coverage to protect against potential claims by others if you are at fault in an accident. You should also carry proof of insurance with you when driving, as law enforcement may request it during traffic stops.

To avoid these consequences, it’s essential to maintain the required auto insurance coverage in California, and it’s a good practice to review your policy regularly to ensure that it is up to date and compliant with state requirements.

What happens if you get in a car accident and you don’t have car insurance in California?