What Can Happen if You Drive Without Auto Insurance?

Driving without auto insurance is a risk that many people do not want to take. Not only is it required by law in the state of New York to have auto insurance to operate a vehicle, but you can also face some serious consequences if you are caught driving without it in Selden, NY. According to XL Brokerage Inc. these are a few of the things that can happen to you if you are caught driving without auto insurance.

  • You could pay fines. Whether you are caught driving without insurance or someone else is driving your car without insurance, you could face fines that range anywhere between $150 and $1,500 every time it happens.
  • Your vehicle could be impounded. Not only will you face fines, but the officer can even impound your vehicle if they see fit. Additionally, you could potentially go to jail for up to 15 days.
  • Your license and registration could be revoked. This is another very serious penalty but you could have your drivers license and registration taken away from you. This will result in a suspension of your driving privileges and you will have to pay $750 to the DMV in order to get your driving privileges back. However, you will not have the option of paying this fee if your insurance has lapsed for more than 91 days or you have already paid the fee at a previous time in the past three years. You will then have to wait until the suspension period has passed in order to have your license reinstated.  

Now that you know and understand what the risks for driving without auto insurance in Selden, NY are, you are likely thinking twice about opting out of getting it. If you would like a free quote so you can become covered, be sure to contact XL Brokerage Inc. today.

Is Umbella Insurance Right for You?

If you are in the market to make sure that everything in your life is protected by insurance, then you have likely run across something called umbrella insurance. It is not a type of insurance that is right for everyone but you should determine if it is something you need in Selden, NY before writing it off. To determine if you need umbrella insurance, answer these questions from XL Brokerage Inc. 

  • Does your home or auto insurance offer enough coverage? Essentially, an umbrella insurance policy is meant to take over where other types of insurance coverage drops off. If you have an expensive car, home, or both and you have maxed out your other insurance policies but it is still not enough, then an umbrella insurance policy may be the perfect solution.
  • Are you fairly known in an area or work in a business where you talk about people that are? Another thing that an umbrella insurance policy can do is protect you from libel or slander lawsuits. If you think you may fall victim to this or you work in an industry where there is the potential of someone accusing you of this, then an umbrella insurance policy can protect you.
  • Are you a landlord? An umbrella insurance policy is an extra layer of protection from your tenants. It goes beyond a home insurance policy to better protect you if someone were to get injured while on your property even if you are not there. 

Now that you have answered these questions honestly, you should be able to determine if an umbrella insurance policy is a right option for you. For more information and to get a free quote for an umbrella insurance policy, be sure to contact XL Brokerage Inc. serving Selden, NY today.