Why is it illegal to drive without car insurance?

April 18, 2017 · Posted in FAQ 
car insurance
DJC asked:

I have heard rumors that it is illegal to drive without car insurance; first of all, is this true? Secondly, if this is so, why? Many individual American motorists experience between 0-2 minor accidents in their lifetime, some of which are very minor (where both cars still run fine and there’s just a bump or so). Any information would be useful.

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23 Responses to “Why is it illegal to drive without car insurance?”

  1. Wisenheimer on April 23rd, 2009 1:29 am

    Politics. This was a great win for the insurance companies.

  2. Flower Girl on April 25th, 2009 3:45 pm

    Yes it’s true and do you want to be the guy that gets hit, with your car totaled and thousands in dr. bille, by the guy that didn’t have any insurance? Who do you think is going to pay for all the damage?

  3. kvraz on April 25th, 2009 7:25 pm

    It is and if you ever get in a wreck you gonna be fined big time.

  4. cupids_victim11 on April 28th, 2009 10:40 am

    i just know its true because my boyfriend already got a ticket for that and he had to go to court and prove that he had gotten insurance…

  5. Slick Alien on May 1st, 2009 2:24 am

    Yes, you are required to carry liability insurance. Most people don’t. The reason you should have it is this. If you get into a wreck, and it’s your fault, then you are liable for the cost of repair to the other persons vehicle, as well as any medical bills they may have. No insurance, means it comes from your pocket.

  6. Virgin69 on May 1st, 2009 9:01 am

    I think it is in certain states. and I think it’s stupid, If people don’t want to waste money on car insurance then they shouldn’t have to!!!!!

  7. Dean C on May 2nd, 2009 11:42 am

    As far as I know most states require insurance to register a vehicle. The Insurance is not so much for you, as it is to cover the other driver you had the accident with.

  8. kokopelli on May 3rd, 2009 5:36 pm

    In states where automobile insurance is mandatory, yes. In New Jersey if you are stopped and have no proof of insurance your car will be towed and impounded.

  9. Doodlestuff on May 4th, 2009 1:48 pm

    Most and perhaps all states require liability insurance by law to protect people whom you might injure as well as provide reparations for the property you have damaged. You do not have to carry coverage for damage to your own vehicle.

  10. Ashley P on May 7th, 2009 5:17 pm

    because people could die if they get in a car accident or seriously hurt and the first thing people would want to do is su the government for not making that a law and secondly people would cause people to reck their cars and they would want their money back to pay for the damage only they couldnt because their was no law telling them they neede car insurance.

  11. Stuart on May 8th, 2009 5:07 pm

    It is illegal to drive without insurance because you are required to show financial responsibility in order to drive a car.

    If you have an accident and do ten thousand dollars’ damage to someone else’s car, you have to be able to indemnify them – to make them whole again. It is not acceptable to argue that you don’t believe you’ll have an accident – that’s disproven by 100% of the automobile accidents in the world.

    No one thinks they’re going to wreck the car. Insurance is required to fix stuff when you’re wrong.

  12. wildbill05733 on May 11th, 2009 3:36 am

    It is a law in most states.

    If you hit me, could you afford out of pocket to pay for my hospital and recuperation? I think not.

  13. sebyta262 on May 13th, 2009 12:48 pm

    yes is true ,, is illegar drive with out insurance , if the cops stop u and u dont have insuranc u will get a ticket plus u have to go to court and the judge can even suspend ur licence ,i know it suck but rues r rules rite

  14. Pengy on May 16th, 2009 9:50 pm

    Yes it is and for a reason, and that reason is if you do get into an accident and someone gets hurt someone has got to pay, and also to pay for the damage. It is a way of protecting all people involved. If the damage is minor you can work it out with the person and not turn into your insurance, but yes you have to have it. You are a fool if you do not

  15. dpepperdrinker on May 17th, 2009 6:42 am

    Yes in Texas it is. Some cities will even take your car and tow it to a lot and will not give it back to you unless you have proof of insurance.

  16. krystal on May 19th, 2009 4:38 am

    those people who doesn’t buy car insurance most probably do not have money to pay for damages when they get to accidents….and those poor victims will suffer without compensations. At least with motor insurance, insurance companies will pay the damages

  17. reality101 on May 20th, 2009 3:29 pm

    there are several reasons why it’s illegal.
    1) liability. in the event of an accident your insurance is usually responsible for most of the costs, if it’s your fault. if you don’t have insurance, your ability to pay up is very slim and then it becomes a court issue.
    2) if you still owe money on the vehicle, you are required to have full coverage insurance so that the car stays in essentially perfect condition in the event that you don’t make a payment. even more so an issue if you took out a loan to pay for the car. you have to protect that car until you pay off your debt.
    3) if you get pulled over, insurance is proof of your legal ownership of the car. that way you can’t be accused of stealing the car.
    4) insurance protects you. if something were to happen with the vehicle where you weren’t at fault but were being accused, your insurance is kind of like a safety net.

  18. smashbriky1 on May 22nd, 2009 1:20 am

    its not in new hampshire and in delaware they say 1 accident every 6 years is the average

  19. Boomer Wisdom on May 24th, 2009 6:56 am

    Most states require it for the simply reason that cars are huge, moving hunks of metal, rubber and plastic that are controlled by Newtonian mechanics, idiot driver in charge or not. They can do serious damage to other people and other’s property. Some states require you at least post a bond instead of insurance, as proof that you can cover the costs of an accident.

    Proof of insurance merely shows that you are capable of taking responsibility for the harm you may cause others. Insurance has been around for a long time, and it exists for good reason.
    has a good essay on the subject; zooming down in the page under “History of Insurance” yields some interesting background.

  20. Scott H on May 24th, 2009 3:28 pm

    It’s no rumor. It’s true. Why do they require insurance? Because if you cause an accident and damage my vehicle, I have some assurance that my car will get repaired properly and in a timely manner. Let’s say you have no insurance and you rear end my car, causing $3000 in damage. Do you have $3000 in your pocket to pay for my repairs? Most people don’t. I don’t want $50 per month for 5 years, I want my car fixed now, and since it was your fault, I shouldn’t have to pay for it. That’s why.

  21. M on May 25th, 2009 4:22 am

    cauz if u get in an accident u need ur insurance 2 show the cops.

  22. james m on May 25th, 2009 9:22 am

    Because it is the law.

  23. Kitty on May 26th, 2009 1:43 am

    Yes! It is illegal!
    If you get stopped without it your in big trouble.

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