Q: What are the penalties for driving with no insurance?
I was involved in a wreck (car pileup) in a county 4 hours away from my home (both counties in GA). My insurance had expired a week or so prior. My car was totaled in the wreck. I was not placed at fault. I received a ticket for no insurance. I am required to appear in court next month. What should I expect in the courtroom?
A:
An owner who knowingly operates a motor vehicle without effective insurance on such vehicle shall be guilty of a misdemeanor and, upon conviction thereof, shall be subject to a fine of not less than $200.00 nor more than $1,000.00 or imprisonment for not more than 12 months, or both.
Ga. Code Ann. § 40-6-10 (West)
If your insurance is terminated or expired, your carrier will electronically notify the Georgia Department of Driver Services (DDS). You are given 30 days from the date of the expiration to provide proof of new insurance. Not providing proof of new insurance during the 30 days will result in the DMV sending a “Notice of Pending Suspension.” Your vehicle’s registration will be suspended at the end of the second 30-day period if proof of insurance is not provided.
Be aware that the DDS shall mandatorily suspend a license for a conviction no insurance. A conviction for driving without insurance is a 60/90-day suspension. I hope this helps.
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