Driving a car is one of the most dangerous daily activities. No matter how well you drive and how carefully you obey traffic rules, you are not immune to car accidents. Anything can happen on the road, and the only way to protect yourself and your vehicle is to have auto insurance. If you decide not to carry car insurance, there are certain risks you should be aware of.
Risk of Being Ticketed or Arrested
If you are a car owner from Woodbury, MN, or anywhere else in Minnesota, you should know that driving without insurance is considered a misdemeanor offense that is punishable by a fine ranging between $200 and $1,000. In some cases, a driver with no insurance is punished by imprisonment for up to 90 days.
Risk of License Suspension
44 of the 50 states, including Minnesota, will suspend your driving license if you are caught driving without auto insurance. This punishment is most likely coupled with a hefty fine.
Risk of Being Liable for Cost of Repairs in Case of Accident
If you are at fault for causing a car accident and you do not have insurance, then you will have to pay for all the repairs yourself. Depending on the amount of damage, it might be a lot of money. Other drivers and passengers could also sue you for damages and physical injuries.
Risking Other People’s Lives
If you decide to drive with no insurance, you put at risk not only on yourself but other passengers as well. If an accident occurs and you and other passengers in your car need medical help, you will have to pay for them out of your pocket.
At Kriener Insurance in Woodbury, MN, we believe it is better to be safe than sorry. Driving without insurance is risky and not worth it. If you are still thinking whether you should get auto insurance, call Kriener Insurance today to go over available options.