Although it is often treated as a right of passage when someone turns 16 years of age, driving a motor vehicle is not a right but rather a privilege. For those in New Jersey and elsewhere who have obtained their driver’s license, a motorist is expected to do more than drive safely and follow the rules of the road. A motorist is also required to obtain and maintain insurance. Thus, if a motorist is found to be driving without insurance, he or she could face penalties for this violation.
Requirements for insurance
Simply having automobile insurance may not be enough. The terms of insurance are established by each state; however, there are two terms that are required in all states that require insurance for motorists. The first is bodily injury liability. This covers the medical bills incurred by those injured in the other vehicle. It can range from $10,000 to $50,000 per person and $20,000 to $100,000 per accident. These amounts are state dependent.
The second requirement is property damage liability. This covers damage to the other vehicles and to any personal property that were damaged by the accident. This can range from $10,000 to $25,000.
Repercussions for driving without insurance
In New Jersey, like almost every other state in the U.S., a motorist is required to carry car insurance if they have a vehicle that is registered under their name. Failing to do so could result in a traffic violation that could result in fines and fees. Additionally, such a violation could result in more costly insurance premiums when the driver obtains the necessary coverage required by state law.
Those facing this traffic violation could face consequences beyond fines and fees. This could include the impoundment of their vehicle, loss or suspension of their driver’s license or even jail time. The penalties, of course, are dependent on the situation that gave rise to the violation. In other words, if it were a traffic stop that brought light to the violation, the penalties would likely be less severe than if it was a car accident that caused this information to be known.
While a violation for driving without insurance may seem like a minor traffic violation however, it could result in serious penalties. Thus, it is important to explore your rights when faced with such a violation. This could help a motorist reduce the penalties faced or avoid them altogether.