Connecticut statutes (Motor Vehicles Chapter 246, Section 14) discusses the penalties for driving without a valid license. Here it states that any person who violates any provision of this section shall, for a first offense, be deemed to have committed an infraction and be fined not less than seventy-five dollars or more than ninety dollars and, for any subsequent offense, shall be fined not less than two hundred fifty dollars or more than three hundred fifty dollars or be imprisoned not more than thirty days, or both.

Connecticut law requires that all registered motor vehicles have liability insurance maintained at all times. When you register or renew a vehicle registration, you must certify insurance coverage. Your signature attests that minimum vehicle liability insurance will be maintained throughout the registration period and the vehicle will not be driven without insurance. Action must be taken by the DMV if this statement is not honored.

Whenever insurance coverage is cancelled, the CT DMV is notified by the insurance company and the registrant is mailed a Warning Notice offering the opportunity to enter into a consent agreement, obtain insurance, and pay a fine of $200.

The penalties for being caught driving without insurance in CT include impoundment of the vehicle and a fine of at least $110. Because of being in an accident you will likely be held personally responsible for the damages and injuries you might have caused to the others.

You should check with the CT DMV and/or the Insurance Department for more information on your possible penalties for driving without a license and without insurance plus being in an accident in inclement weather.