There are many reasons why being an insured driver is beneficial to you. For one thing, it’s illegal to drive without insurance, but it is also a big stress-reliever. Many people think that they need to pay through the roof to get a good car insurance deal, but that isn’t always the case.
When you do a lot of in-depth research and look around at what is on offer, you’ll find many benefits to being insured than it just being a legal requirement.
If you are caught driving an uninsured vehicle, there are severe penalties
There is no excuse not to have insurance, especially when it is very easy to find cheap car insurance. You will be pulled over by a police officer for driving a registered, uninsured vehicle. You will be faced with multiple penalties, all of which are generally similar in any area of Canada.
When you drive an uninsured vehicle, you will be pulled to the side of the road and presented with a hefty fine. You may also have your vehicle towed if the officer who pulled you over thinks it is necessary. There is also a higher probability of your vehicle being taken away permanently and possibly even destroyed.
Your driving license will also be suspended, meaning that you won’t be able to drive for at least three months. If you are caught driving in the time of suspension, your driving license, more often than not, will be entirely revoked.
If you are involved in a motoring accident, you will also have these penalties and many others. One significant benefit of being insured is that you won’t need to pay as much money, as the insurance company will cover many of the costs. You will also be able to claim money for bodily harm and damage to property.
What happens if you are in an accident that isn’t your fault?
If you are in an accident that is not your fault, you will still face the exact charges as what you would typically face if an on-duty police officer just pulled you over.
However, you will also have to pay for any damages your car has after the accident, any medical bills that might be required for yourself, and exterior damage your vehicle has caused. You will also not be able to claim off of the other driver whether they are insured or not.
What happens if you are in an accident that is your fault?
If you are in an accident that is your fault, you will also face the exact same charges as what you would have to face when charged with driving without a license, but you will be loaded with a lot more expenses, and that isn’t just money orientated.
You will probably be given a further fine, and you will have to pay for all damages. You will not be able to make a claim, but you are liable if the other person’s insurance company charges you with bodily harm and property damage, all of which you will have to pay for yourself. You will also be registered as a high-risk driver and may also have your driving license entirely revoked as a result.