A driver in an accident without insurance can expect the Department of Motor Vehicles to suspend their driving privileges for many months. A citation and summons to court for violating California’s Financial Responsibility Law with fines of about $1200 can also be expected. It gets worse if you get sued for an accident without liability insurance coverage.
The other day, an imaginary potential client named “Crash” walked into my imaginary office. He asked this common question uninsured drivers have after an auto accident:
I got into an auto accident earlier this year. The other driver sustained enough damage to need a new bumper, while my car was totaled. We exchanged information, no police came to the scene even though they were called. The following morning I found out my auto liability insurance lapsed and was terminated. I had minimal contact with the individual that was hit at first. I paid his deductible for his insurance.