Getting caught driving without Colorado car insurance can have very serious consequences. Colorado, and every other state, requires all vehicles and their drivers to be insured if they are responsible for causing injury or property damage to another party. Driving is a privilege and not a right and if you want to drive you need to show that you are willing to accept financial responsibility for your actions while operating a motor vehicle. Following are some of the consequences you might face if you are caught driving without insurance in Colorado.
Impound – Your car could be impounded if you are involved in an accident and have no insurance. If you are stopped for a moving violation or other infraction and have been driving without insurance for an extended period of time, your car may also be impounded.
Driver’s License Suspended – Your driver’s license may be suspended for a period of time if you do not have Colorado auto insurance. To get your license reinstated you may be required to file an SR-22 which is a rider to a standard insurance policy where the insurance company guarantees you will keep your insurance coverage in effect for a certain period of time. A second offense will result in a minimum 4 month suspension of your driving privileges and a third suspension will mean a minimum of 8 months without a valid Colorado driver’s license.
Fines – Depending upon the situation, you may be forced to pay a fine or penalty before being allowed to drive again. Generally, the more egregious you have been in neglecting to carry auto insurance, the higher the fines and penalties will be to get back in good standing and be able to legally drive in Colorado.