What happens if I am in an accident whilst uninsured? If you cause an accident whilst driving without insurance, you will have to pay for any of your own repairs, and potentially repairs for others involved out of your own pocket. You will also face a penalty for driving without insurance.

What counts as exceptional hardship?

To be exceptional, the hardship to be suffered must be something out of the ordinary. For example, in the case of Brennan v McKay (1996),a taxi driver accumulated 12 points and argued that if he were to lose his licence he may lose his job and suffer financial difficulty.

What are special reasons?

The legal definition of a Special Reason is an extenuating issue that is not a defence in law but is directly connected to the commission of the offence and is something that ought to be considered when imposing a sentence.

What are the penalties for driving without insurance?

As stated above, penalties for driving without insurance vary from state to state; however, a few of the most common penalties include: Having your driver’s license suspended. Having your vehicle registration suspended. Receiving a traffic ticket for a no insurance violation.

What happens to your license if you drive without insurance?

Meeting SR-22 requirements . Some states might only impose this if you cause an accident while driving without insurance; others may impose it simply for driving uninsured. Hefty fines. In addition to meeting other requirements, you’ll have to pay to have your license and registration reinstated.

What happens if you get in an accident without insurance?

Some states might only impose this if you cause an accident while driving without insurance; others may impose it simply for driving uninsured. Hefty fines. In addition to meeting other requirements, you’ll have to pay to have your license and registration reinstated.

How to avoid being caught without auto insurance?

You can avoid the hassle and financial burden of being caught without auto insurance if you avoid allowing your car insurance policy to lapse. The most obvious way to do this is to pay your premium on time.