What are the consequences if I drive without insurance coverage?
November 18, 2022 | 45,00 EUR | answered by Jenny König
Dear Attorney,
My name is Xenia Hemminger and I have a question regarding the consequences of driving without insurance. I was involved in an accident some time ago and discovered that my car insurance had expired several months prior. Unfortunately, I was not aware of this and had neglected to renew it in time. Now I am very worried about the possible consequences that I may face.
Currently, the claims settlements are still pending and I fear that my lack of insurance could play a role in resolving the accident. I am aware that it is a legal requirement to have car insurance and I deeply regret my mistake.
My question to you as a traffic law attorney is, what possible consequences could I face if I drive without insurance. Am I personally responsible for all the damages costs? Could I face high fines or even a driving ban? Are there ways to correct this mistake and what steps should I take next to resolve the situation as best as possible?
I would be extremely grateful for your professional assessment and assistance.
Sincerely,
Xenia Hemminger
Dear Mrs. Hemminger,
Thank you for your inquiry regarding the consequences of driving without insurance coverage. It is understandable that you are concerned, especially after being involved in an accident and realizing that your car insurance had expired. It is important to be aware of the legal requirements and to ensure adequate insurance coverage in a timely manner.
Driving without valid car insurance can have serious consequences. Firstly, as the owner of the vehicle, you are obligated to ensure sufficient insurance coverage. If you fail to fulfill this obligation, you may personally be liable for all damage costs. This means that in the event of an accident or other damage situation, you would have to pay for repairs, medical expenses, or compensation out of your own pocket.
Additionally, driving without insurance can result in high fines. The exact amount may vary depending on the individual case, but is often in the three-digit range. Furthermore, you may face a driving ban or even points on your license in Flensburg. This can also have a negative impact on your insurance premiums in the future.
It is important that you take swift action to address the situation. As a first step, you should immediately purchase a new car insurance policy. I also recommend contacting an experienced traffic law attorney to clarify your rights and responsibilities in connection with the accident.
Your attorney may be able to negotiate with the insurance company to find a solution that is acceptable to all parties. It is always advisable to seek professional legal assistance in such cases to best represent your interests.
I hope that I have been able to assist you with this information and am available for any further questions.
Sincerely,
Jenny König
Traffic Law Attorney
