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Q

If I am in an auto accident without insurance and no driver's license in PA but it is not my fault, could I be charged with a crime? What about if someone was killed in the accident?


A

Driving without insurance and without a valid license are both against the law in Pennsylvania. Pennsylvania laws under the PA vehicle code, chapter 17, state that every motor vehicle that is required to be registered should be covered by financial responsibility (FR). Most motorists choose to get FR in the way of car insurance.

The penalties for not having car insurance, or another form of FR, can include:

  • A minimum of $300 fine for driving uninsured
  • A three month suspension of your driver's license
  • $50 restoration fee to restore your driver's license
  • A three month suspension of your vehicle registration
  • $50 restoration fee to restore your vehicle registration
  • That the vehicle may not be driven by anyone while the registration is suspended.

In Pennsylvania, no person may drive any motor vehicle upon a highway or public property without a driver's license valid under the PA Motor Vehicle Code, chapter 15. If a person drives without a valid license in Pennsylvania, they are guilty of a summary offense and upon conviction shall be sentenced to pay a fine of $200.

Since you were driving without a valid license and without the required state insurance you will likely received some of the penalties above if you were cited by the responding law enforcement officer. There might be other penalties as well since you were involved in an accident and if a death occurred.

If you were not at fault it may help but you should check with the PA Driver and Vehicles Services for information on what may happen to you and decide if you will need legal counsel on the situation.


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1 Responses to "If I am in an auto accident without insurance and no driver's license in PA but it is not my fault, could I be charged with a crime? What about if someone was killed in the accident?"
  1. Visitor

    I was hit by a uninsured motorist. He ran a red light at a high rate of speed and it's by the grace of god I wasn't killed. This accident set me back 2 months and I do have injuries that I choose to "walk off, take the pain" because I don't want to chance getting medical bills should I go over my coverage limit. I don't think it is right that this person can just walk away with less than $500.00 in fines and lose his driving privileges for 3 months for such a thoughtless, violent act. A car is a weapon in the wrong hands. I have to have insurance, so should the other driver. PA should rewrite it's laws and impose substantial jail time for those who choose to drive without car insurance! Period! I wonder how many people die at the hands of the uninsured incompetent drivers every year?

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