SR-22 and Being Found at Fault in an Accident While Driving Uninsured
Filing SR-22 and being found at fault in an accident while driving uninsured can raise your insurance rates, cost you in penalty fees, and could end in jail time. State laws vary, and your driving record will also impact what happens if you get caught driving without insurance. Driving without insurance is illegal in nearly every state, so make sure you have a policy in place before you file an SR-22.
Free High-Risk Insurance Comparison
Secured with SHA-256 Encryption
UPDATED: Jun 29, 2021
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
- Driving without insurance is illegal in nearly every state
- Being found at fault in an accident while driving uninsured means you will be liable for your own damages and those of any other drivers involved
- Other drivers are within their rights to sue you for damages if you are driving without auto insurance
- Driving without car insurance will cost you your license and you will need to file an SR-22 form to reinstate it
Needing an SR-22 and being found at fault in an accident while driving uninsured is a tough situation to face, but you have the resources here to help you figure out the next best steps to take.
Read our guide to learn what happens if you get caught driving without insurance, what to do if you’re at fault for an accident while driving uninsured, and how to file an SR-22 form with your insurance company.
If you’ve been involved in an accident and need to buy SR-22 insurance, be prepared for your insurance rates to go up.
Shopping around for cheap insurance quotes is the best way to get an affordable SR-22 after being found at fault in an accident while driving uninsured. Enter your ZIP code above to start comparing quotes now for free.
What happens if you get caught driving without insurance?
Driving without car insurance is illegal in every state except Virginia and New Hampshire. Even there, you still need to prove you have the financial strength to pay out of pocket for damages caused by an accident or collision.
Penalties for driving without insurance will vary depending on state insurance laws. In most states, you will lose your license unless you can prove you have coverage within a few days of the charges. Read our SR-22 state guide to learn more about the laws in your state.
You will need to file an SR-22 to reinstate your driving privileges after you’re caught driving without car insurance. The SR-22 filing will alert the DMV that you now carry the mandatory levels of auto insurance needed in your state to legally drive.
How long can you go without car insurance before being penalized?
Driving without car insurance is illegal from the first day your policy lapses. How long you can go without being penalized depends on how lucky you are, but it’s not recommended to drive a single day without car insurance.
Compare quotes from the top car insurance companies and save!
Secured with SHA-256 Encryption
What happens if I’m found at fault for an accident while driving without insurance?
If you cause a car accident and have no insurance coverage, you will be liable for not only your own damages and medical bills but also those of any other drivers involved.
Other drivers are within their rights to sue you for medical costs and property damage, and even minor accidents could add up to thousands of dollars in damages.
Without insurance, you will be paying out of pocket for all expenses. You’ll also be facing legal consequences for driving without insurance.
The penalty for driving without insurance and causing an accident will depend on your driving record, the severity of the accident, and where you live.
In most cases, driving without car insurance and causing an accident will result in license and vehicle registration suspension, jail time, and penalty and reinstatement fees.
Filing an SR-22 and being found at fault for an accident while driving uninsured can make it harder for you to find affordable auto insurance. Fortunately, many of the most popular car insurance companies offer high-risk insurance and SR-22 filings. Contact your provider and ask if they can file an SR-22 on your behalf.
If you need to file an SR-22 after being found at fault for an accident while driving uninsured, enter your ZIP code below. Our free comparison tool will help you find cheap SR-22 insurance quotes from local companies to get the best rates in your area.