Considering how vital auto insurance is, it’s difficult to imagine that some motorists in Little Falls, MN, drive without auto insurance. But because humans will always be humans, it’s not uncommon to find uninsured motorists in Minnesota. In fact, recent statistics show that 9.9 percent of Minnesota drivers aren’t insured.
Until you are involved in an accident, you might think failing to buy auto insurance is a wise saving. However, you are in for a rude shock when an accident or any other disaster occurs on your vehicle. Whether it’s intentional or not, failure to buy auto insurance from Hanneken Insurance Agency Inc. exposes you to the below risks.
Breaking the law
It’s an offense to drive without auto insurance in Minnesota. Penalties for first offenders include a fine of up to $1,000, community service, and suspension of driver’s license and car plates up to 30 days. Of course, the penalties can increase dramatically for repeat offenses.
It’s usually a huge risk driving without auto insurance. Given the inherent risks like distracted, speeding, teenagers, and drunk drivers, the risk of an accident is extremely high on American roads. National Safety Council states that at least 1 in every 11 drivers is likely to be involved in an accident at some point. The result? The aftermath of accidents is injuries and property damage, at the very least.
Without insurance, you need to pay for your medical expenses from your pocket. Similarly, you have to fix your car and that of the other motorist out-of-pocket.
While a court case can still follow even when you have car insurance, you are likely to incur out-of-pocket legal expenses when you don’t have auto insurance. Worse yet, your assets will be at stake if the case is ruled against you and the settlement claims are enormous.
Are you feeling like driving without auto insurance in Little Falls, MN? The risk is not worth it. Instead, be a wise driver and purchase auto insurance from Hanneken Insurance Agency Inc. Contact us today for an affordable quote.