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03/22/2009 02:31:10 PM · #1 |
This is really off topic but I was just watching a "SafeAuto" insurance commercial. They had the catch phrase "Are you nervous about driving without insurance"? I thought that was sorta dumb because in my world, its ILLEGAL!! But, is it that way in the states as well? In Canada, you cannot register your plates without proof of adequate insurance. Can you legally drive without insurance knowing you risk shouldering all the responsibility??
Seemed sorta weird to me at least. |
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03/22/2009 02:53:05 PM · #2 |
| Here in Michigan it is illegal. But I believe there are some states where it is not. But I agree, it seems pretty careless to risk it, even if it is legal. |
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03/22/2009 03:45:48 PM · #3 |
NH and VA are the only two states in the US that don’t require insurance. IN VA you have to pay $500 to waive insurance, in NH there is no waiver fee.
However, there are conditions where for all intents and purposes insurance is required in NH:
1)If you have a lien on your vehicle. No lending institution is going to give you a loan without proof of insurance.
2) If you have an accident the DMV can require you to post a bond in the amount of the damage you caused in the accident and then you have to satisfy NH “financial responsibility” requirements (i.e. buy minimum insurance coverage) to continue driving legally.
3)You will also have to prove “financial responsibility” if you are convicted of DWI
So the bottom line is that if you don’t ever have an accident or get convicted of DWI then insurance is not required. Most NH drivers don’t take the risk.
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03/22/2009 03:52:02 PM · #4 |
You'd have to be insane to drive without insurance in NJ. By the way, our rates are outrageous as well. Depending on age, credit record and driving record, just liablility could be up to 4K a year.
A first time infraction of NJSA 39:6B-2 (driving without liability insurance) includes a fine of at least $300 and up to $1000, community service, DMV surcharges of $250 for 3 years, and the loss of license for up to one year. There are court costs and fees that are required to be paid as well as the penalties listed above.
A second offense comes with penalties of a fine up to $5000, a mandatory jail sentence of 14 days, 30 days community service and a license suspension for 2 years or more. State laws and statutes are always being changed and updated though so if you were cited for being an uninsured motorist in NJ, you may want to contact the courts to find out what exact penalties you are facing.
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03/22/2009 04:25:32 PM · #5 |
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03/22/2009 04:26:47 PM · #6 |
Here in MD the required insurance coverage is so low that for practical purposes many are driving without insurance. The required insurance for bodily injury is $20,000. It does not take much in way of medical bills to rack up that much in expenses - add to that the lost work time and the situation is even worst. So while it is illegal to drive without insurance to me the bigger problem is from those driving with inadequate insurance. And that is legal.
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03/22/2009 04:29:08 PM · #7 |
Originally posted by Kelli:
By the way, our rates are outrageous as well. |
That's one of the justifications for not having it be mandatory in NH. It's supposed to keep the rates in check. |
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03/22/2009 06:15:54 PM · #8 |
| My daughter's boyfriend gave her a beat up 15 year old car when she was 18. You can't get your license before you're 17 in NJ, so she had been driving a year. They wanted 4k for basic (almost no coverage) liability insurance if it went in her name. So, I had to put it in my name (the car & the insurance, because it must be your car in order to insure it in NJ), and add her as a driver to my policy. It cost an extra $1500 per year for this. The car didn't last a year and she hasn't gotten another. When she's had her license for 5 years rates will come down for her, but not by much. It just amazes me how much it cost now and all the bullcrap they're allowed to use when computing rates. When I was 17 with my first car it cost me $300 per year. |
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03/22/2009 06:19:18 PM · #9 |
In Australia (well NSW anyways), it is only compulsory to have third party injury insurance. So if you smash up some guy's Ferrari, then you're stuffed. I agree that people should be able to take their own risks, but it should be compulsory to insure yourself against damaging other people's property.
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