Driving Without Car Insurance in Pennsylvania – What To Do?
Reader’s Question:
What should I do if I was issued a ticket in for driving without insurance on a car that I do not own and and the car had no insurance? I live in Pennsylvania.
Parker
Levittown, PA
If you were issued a ticket for no insurance on a car that you did not own you should first determine if the ticket that you received was written to you personally or to the car. In most states such as Pennsylvania the law enforcement officer has the option of citing the car (owner) or the driver of an uninsured car.
Most states will suspend your license and require you to get proof of insurance with regards to your state’s financial responsibility laws if the citation was written against you personally. State laws will differ on this. If the citation is for you call the department listed on the ticket to determine what steps you need to take to rectify the situation.
What Happens If I Drive Without Proof of SR22 Insurance?
Q: What happens if I’m driving and I don’t have SR22 insurance proof?
A: It depends on why you don’t have SR22 insurance proof. If you don’t have the proof because you failed to pay for your SR22 insurance, then you’re probably going to be in a lot of trouble. when you have SR22 insurance and your premium is canceled, your driver’s license is suspended pretty quickly, so if you’re driving without insurance then your license is likely already suspended. This puts you in a bad situation: not only are you driving without insurance, but your driving illegally without insurance. If you’re caught doing this, then you’ll likely have trouble getting your license back and will be filing an SR22 for a while once you do.
If you don’t have SR22 insurance proof simply because you left it at home or somewhere else, then you don’t have much to worry about other than wasting your time. You’ll have to go to court, but if you can provide proof that you were insured at the time then you won’t have to pay a fine. However, you should remember that in the future you need to have your insurance card in your car no matter where you’re going. Even if you file SR22 insurance every month as proof of insurance, you need to prove your financial responsibility another way if you are pulled over.
Is Your License Suspended And Now Need An SR22?
Q: What is SR22? Is there a reason for suspension for why my license may need to be reinstated?
A: SR22 insurance more than a kind of proof of insurance you need to file after you license has been suspended? There are quite a few ways for this to happen, and one common way is the accumulation of points. Points are added to your driving record whenever you get a ticket, and if you get around six points, then your license will be suspended.
If you have been driving thirty one miles + over the speed limit of a certain stretch of road, and after being pulled over and given a ticket, you don’t show up for your court date, you may also have your license suspended, and SR22 is what you will have to file.
Two more reasons you may be required to file SR22 after a license suspension: if you are convicted of driving under the influence (this will depend on several factors, such as your blood alcohol level and your record), if you have been caught driving uninsured, or if you have, when a school bus as stopped and had its flashing lights and stop signs out, you went past it anyway.
Loading ...