July 2010 Dec Page

Question of the Month

States require drivers to carry motor vehicle insurance. This is sound public policy based on the well-being of the public. However, for whatever reasons, some drivers do not have auto insurance. If these uninsured motorists are caught by the authorities, the states impose penalties ranging from fines to suspension of licenses and even to some jail time (especially for repeat offenders).

As a good selling tool, insurance agents should be prepared to tell auto owners and drivers exactly what the penalty is for not having insurance. This article presents a chart showing on a state-by-state basis the penalty for failure to carry motor vehicle insurance and the statute imposing the penalty: State Fines for Motorists with Uninsured Vehicles.

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