Am I OK to drive an Uninsured Vehicle?
It is common knowledge that the state requires auto insurance and there are consequences if you drive without insurance. What many do not realize is, even if you personally have insurance on your own vehicle, if you are caught driving an uninsured vehicle, you may still be subject to the penalty for driving without insurance. If pulled over by the police, the officer will want to see proof of insurance for the vehicle you are driving, not your particular vehicle. If you unknowingly borrow a vehicle from a friend or family member that does not have current insurance and you are pulled over, your license can be suspended causing you to pay a reinstatement fee and fines. You may also be required to carry an SR-22 filing which can affect your insurance premiums and the ability to continue your policy with your current carrier.
When you borrow a vehicle, you are putting yourself at risk for legal consequences as well as potential coverage issues even if there is a current policy in force. It is always a good idea to discuss with your agent how your particular circumstances can affect your policy and it would be wise for your friend or family member to verify coverage exists prior to lending out their vehicle