Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Auto Insurance Agent

UPDATED: Jun 29, 2021

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Don't Forget These Facts

  • 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.

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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.