Should I let my car insurance lapse?
Not letting your car insurance lapse is the best way to avoid adding greatly to the expense of being in a car accident. If your insurance lapses and you are at-fault in a car accident, an attorney who specializes in car accident may be able to help you minimize the financial damage.
What happens if I'm at-fault in an accident without insurance?
However, if it is unclear who is at fault for the accident, a police officer may be more likely to label you as the liable party since you do not have insurance. Additionally, you will be at the mercy of the at-fault driver's level of cooperation and the sympathy of their insurer.
Who is at fault in a car accident without insurance?
Since insurance companies prefer to side with their policyholders, they may believe you were actually the at-fault party since you were driving without auto insurance coverage. For a second scenario, let's say that you forgot to pay your insurance until it lapsed.