Car insurance in St. Albans, Vermont, is meant to provide financial protection for drivers in case they cause an accident or their vehicle becomes damaged. Vehicle owners who cause an accident are at risk of being sued if they do not have liability insurance. People who do not have much in the way of assets might think it’s OK to drive without liability coverage since a lawsuit against them would be pointless. This is an unwise decision.
Consequences of Getting Caught
One major issue is the possibility of getting caught driving without car insurance in St. Albans, Vermont. State law requires liability coverage and carrying proof of insurance when driving. The penalty for not having that proof is $100 as of 2021. The monetary fine for not having liability coverage is much steeper, at a minimum of $500. WalletHub reports that the average cost of this coverage in Vermont is only about $340 annually.
In addition, the state requires SR-22 insurance for a person caught without liability coverage. This involves filing proof of insurance with the state until the requirement ends. Rates are higher than for s standard automotive policy.
Important Considerations
A person with a clean driving record might think going without insurance is reasonable. Committing a moving violation is extremely unlikely. Yet law enforcement officials can stop drivers for other reasons. For instance, the driver may not realize that a taillight has burned out since leaving home that day. The best decision is to, at a minimum, buy the liability coverage mandated by state law. The website of one independent agent can be viewed at https://hbinsurance.com
