When you’re a safe driver with a cheap car who is short on cash, it’s tough to justify car insurance payments. However, driving without insurance is a serious legal offence.
First, it’s important to note that driving without insurance is a “strict liability” crime. You can be convicted of driving without insurance whether or not you understood that you were driving without insurance. So, even if you genuinely believed that you had insurance, if the police find that you were driving without insurance, you can be convicted of this crime.
The consequences for driving without insurance are severe. If you are convicted of driving without insurance, you could receive up to eight penalty points on your license, a fine of up to £5,000, and even a driving ban.
But, of course, that’s only if you’re caught. The often devastating part about a conviction for driving without insurance is that it’s often paired with other problems. For example, you could—through no fault of your own—get into a car accident with a third party, and they could claim that you were responsible for the accident. Thus, the serious problem of driving without a license can be exacerbated by other legal or financial situations.
Driving without insurance is a serious crime for a reason. By using a car, drivers are always at a risk—no matter how slight—that they could cause serious damage to another person or property. Insurance makes sure that victims of accidents will have some form of compensation for unexpected problems.
Sorting through complicated insurance paperwork can be difficult. If you need help in determining whether you are covered by insurance, or determining the best course of action to take in a related problem, don’t hesitate to call 0161 850 2347 for a free initial consultation.