New Jersey car insurance is not cheap. If you have a less than perfect driving record, it can cost even more. Some drivers bear the burden of paying higher premiums while others choose to disobey the law and drive without insurance. Driving without insurance can be extremely dangerous. If you are caught driving without insurance you will have to pay the consequences. Some believe they can get away with it with just a slap on the wrist. Understand the potential consequences of driving without insurance before you decide to take the risk.

DMV Reporting

In the state of New Jersey, insurance companies electronically notify the Department of Motor Vehicles when insurance is canceled or lapses. The DMV will send you a notice requiring that you provide proof of insurance within 30 days to prevent the suspension of your registration. If you do not respond, your vehicle registration will be suspended. To release this suspension you will have to pay a reinstatement fee and furnish proof of insurance. The fee will vary and can be extremely high.

Driving Violations

If you are pulled over by an officer for a driving violation, you are required to furnish proof of New Jersey car insurance during the traffic stop. If you do not have insurance, the officer can issue a citation or have your vehicle towed. Most officers will issue a citation for first-time offenders. If you have a record of driving without insurance, the officer can arrest you or have your vehicle impounded. Is it really worth going to jail to avoid paying insurance premiums? Even if you do not go to jail you will have to pay impound fees to have your vehicle released from a tow yard.

Court Judgments

If you are issued a citation, you are required to appear in court to answer to a judge. You will need to provide proof of insurance at your court appearance. The judge will order you to pay a fine for driving without insurance. They can also sentence you with jail time or a suspension of your license if you have been caught driving without insurance multiple times. You may be required to carry an SR-22, which becomes quite costly on your insurance policy.

Driving without insurance can cost more than paying insurance premiums. Even one ticket can cost more than a thousand dollars. It is important to budget properly if you want to keep your driving privilege. Even state minimum coverages on New Jersey car insurance policies will satisfy state mandated laws. Sit down and discuss your budget and your needs with your agent. You can purchase insurance obtain ID cards the same day you make the payment. Make a wise choice and do not drive without insurance.

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