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QuestionInsurance Question  My son was given a ticket for not having proof of insurance. His wife forgot to add his truck to their insurance. He is devastated. He has always had a good driving record and was so proud of that. Will he lose his driving privileges? He lives in WV.

AnswerAuto Insurance Answer

The State of West Virginia has several penalties in place for motorists who fail to show proof of insurance. Penalties can include suspension of your vehicle registration and driver's license as well as criminal penalties that could result from a conviction in magistrate court.

WV criminal penalties for driving without insurance can include fines of between $250 and $5000 and jail time of between 15 days and 1 year or both.

Hopefully your son was not at-fault in an accident while driving this uninsured vehicle. In WV if you are at-fault in an accident while uninsured, the other party would be allowed to file a judgment through civil court against you. This judgment and accident report could then be sent to the WV Division of Motor Vehicles for a driver's license suspension to last until the judgment was paid in full or a payment installment plan is agreed upon.

West Virginia Code Chapter 17D deals with the WV Motor Vehicle Responsibility Laws. Section 17D-2A-7 states under subsection gives information on civil penalties while section 17D-2A-9 of the WV Code gives the criminal penalty for driving without insurance if you or your son want to read through these WV laws.

Your son should contact the court listed on his citation for driving without insurance to see if having the truck now on his insurance policy would help him reduce the penalties and to discuss what his penalties will be.

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