Driving With No Car Insurance In New Jersey?
Uninsured Driver or Driving Without Insurance Is A Serious Offence,
But We Can Win!
If you have been charged for driving
with no insurance, we can help! Uninsured motorist
39:6B-2 is a serious charge and carries severe penalties.
We will win your case or at the very least reduce
the charge to a minor violation. If we are not able
to help your situation, we will fully refund 100%
of your money!
The state of New Jersey requires ALL
drivers to have insurance. For a first offense, the
driver may have to pay over $1000 fine and do community
service.
All vehicles that are registered in New Jersey are
required to have liability insurance. The responsibility
to insure a vehicle falls on either the owner of the
vehicle, or the person who holds title to the vehicle.
The minimum amount of insurance that a driver must
have is $15,000 for the injury or death of one person,
$30,000 for the death or injury of more than one person,
and $5,000 for damage to property. Note: These are
minimum amounts and we recommend insuring for higher
amounts when possible.
A driver faces escalating penalties for a no insurance
violation. In other words if the driver has been convicted
of driving while uninsured multiple times then the
penalties and fees increase. If a driver has been
convicted of driving with no insurance for the first
time, a fine will result in the amount of not less
than $301, and not more than $1,002. Additionally,
a driver must also perform community service for a
certain period of time. In some municipal courts,
the judge will often waive the community service for
a first time offender. However, some stricter municipal
court judges impose many community service hours on
defendants if they driver without liability insurance.
For a second offense or any subsequent conviction,
the penalties consist of fine of $502, plus $30 court
costs. There is a mandatory jail sentence of 14 days.
The court must also sentence the driver to 30 days
of community service. In New Jersey, one day of community
service is considered to be 6 hours long, so the community
service sentence is really 180 hours.
Also, upon a second no insurance conviction, the defendant's
driver's license must be suspended for two years.
A driver who has been convicted a second time of driving
without liability insurance does not automatically
get their license back. The director of the DMV has
the authority under N.J.S.A. 39:6B-2 to forever refuse
to give the driver back his or her license, unless
the driver can provide specific assurances that he
or she will never again operate their vehicle without
insurance.
Driving without liability insurance also has many
collateral consequences. A driver must pay a $250
a year surcharge to DMV for three years. Moreover,
a driver will be assess 9 insurance eligibility points.
These insurance eligibility points will make very
expensive for any driver to obtain motor vehicle insurance.
