What if I don’t have proper coverage?

law requires that all registered owners of
an automobile carry liability insurance. Uninsured motorists
are subject to penalties such as fines, limited recovery
of damages, and impoundment of the uninsured vehicle.
Motorists who fail to provide proof of insurance
can have their vehicles immediately impounded or have
their license plates removed and a yellow sticker affixed to
the back windshield of the vehicle. The motorist is then
given three days to provide proof of insurance to the Office
of Motor Vehicles. After three days, if the motorist is
stopped again, the officer can impound his or her vehicle
until proof of insurance is given and all towing and reinstatement
fees are paid. The fines range from $75 to $100
on the first conviction, $100 to $250 on the second conviction
and up to $700 on each conviction after that.
The law known as “No
Pay, No Play” prohibits uninsured
motorists from collecting
the first $10,000 in property
damages and the first $10,000
in personal injuries regardless of
who causes the accident. This law also includes a provision
that may allow you to waive your right to make a legal
claim for pain and suffering if you buy economic-only uninsured
motorist coverage