what happens if you are caught driving without insurance

If you are caught driving without insurance, the consequences can be severe and vary depending on the jurisdiction. Common penalties include fines, which can range from a few hundred to several thousand dollars or pounds, depending on the state or country. Additionally, your driver's license and vehicle registration can be suspended, and your vehicle may be impounded or even destroyed in some cases. You may also have to pay to retrieve your vehicle, including towing and storage fees. In some areas, driving without insurance can lead to jail time, especially for repeat offenses or if involved in an accident. A conviction usually results in penalty points on your license, which stay on your record for several years and can lead to higher insurance premiums in the future. Some jurisdictions require you to file an SR-22 form, proving you have insurance before reinstating your license. If you cause an accident while uninsured, you may be personally liable for damages and medical bills, potentially facing lawsuits and significant financial burdens. In the UK, for example, the minimum penalty is a fixed fine of £300, six penalty points on your license, and possible vehicle seizure. In the US, fines can be up to $5,000 with similar suspension and impoundment consequences. Being caught without insurance could also harm your ability to get affordable insurance afterward due to the offense being recorded on your driving history.