Driving Without Insurance in New Jersey

Choosing to drive without car insurance in the state of New Jersey is not a smart choice.  In fact, it is one of the most serious motor vehicle offenses in the state of New Jersey.  Insurance protects you, your car, and other drivers and is required by the state of New Jersey.  There are several car insurance companies all competing for your business, so do your research and you are sure to find one that is affordable and meets all of your criteria.

Mandatory penalties imposed by the state of New Jersey for driving without car insurance includes a mandatory loss of license for one year, a $300.00 fine, $250.00 to be paid for three years for DMV surcharges, and up to $1,000.00 in community service.  The length of community service will be determined by the municipal court and there will also be court costs and fees that will be required to be paid.  A second offense carries more serious penalties including mandatory jail time of 14 days, a fine of up to $5000.00, a suspended license in New Jersey for two years, and 30 days of community service.

Every driver or registered owner of a motor vehicle is required to have the minimum required car insurance.  You must also carry the proof of your insurance in the car.  If you are pulled over and caught without the proof of your car insurance, such as your insurance card, then you will be ticketed and fined.  In this case, if you bring your proof of insurance to your court date and it’s proven that you were indeed fully covered at the time of the offense, then you may be able to show your proof of insurance and pay just the court fees.  For any serious traffic offenses, you should contact a lawyer in New Jersey.

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