Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 13, 2022

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Key takeaways...

  • It’s illegal to drive without car insurance in every state
  • Liability is the most basic form of coverage
  • One way liability car insurance is insurance coverage that allows people to take financial responsibility for bodily injuries and property damages

In most states, people will not be able to drive their vehicles if they do not purchase car insurance. At least, they will not be able to drive them without breaking their states’ driving laws.

Any time that people purchase a car, they will need to purchase a liability car insurance policy for the vehicle.

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What is one way liability car insurance?

One way liability car insurance is insurance coverage that allows people to take financial responsibility for bodily injuries and property damages they cause in a car collision.

One part is bodily injury liability that pays medical bills and funeral expenses of those injured in the car collision.

The other part is property damage liability that pays to repair damaged vehicles or other property, such as fire hydrants or even buildings.

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Carrying Proof of Insurance

After people have purchased their policies, they receive proof of insurance from their car insurance companies that they are required to have in their vehicles every time they drive.

They will need this proof to present to the law enforcement officer who stops them.

It doesn’t matter why the law enforcement officer stops a driver, every time this happens, they will be asked for their proof of liability car insurance.

If they cannot present this proof at the time, they will be subject to the penalties of their states. In some states, their driving privileges will be suspended.

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The Complications of a License Suspension

Being without a vehicle complicates people’s lives, so the better choice is to purchase liability car insurance.

Otherwise, they would have to have their licenses reinstated after suspension.

After the Department of Motor Vehicles (DMV) has suspended a driver’s license, the suspension will have an end date.

At the end of the suspension, drivers will not just be able to get in their cars and drive again as they did before the suspension.

They will need to follow their state’s requirements for reinstating their licenses and for purchasing car insurance.

Restricted Drivers’ Licenses

Sometimes, people can apply for a restricted license. This will mean that they will not be able to drive their vehicles whenever they feel like it and go wherever they want to go.

To obtain the restricted license, drivers will have to do several things, including:

  • Take the written test
  • Take the driving test
  • Take the vision test
  • Pay the fee for reinstatement

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The Increased Cost of Car Insurance

The difficulties that people have after their licenses have been suspended are not the only ones people will have if they drive without liability car insurance.

If people avoided purchasing liability car insurance because they believed the cost was too high, they will find that they are in a circumstance that causes their quotes to be even higher.

People who drive without car insurance are high-risk drivers.

Car insurance companies that sell high-risk policies charge more for these policies than they do for regular car insurance.

The Added Charge for the SR-22

In order to have their licenses reinstated, the DMV may require that these drivers present proof that they have purchased liability car insurance with the SR-22 filing.

The SR-22 is a form that only car insurance companies can file on behalf of their clients, and they charge a fee for it.

The fee may only be $25, but it adds an extra expense to an already pricier car insurance policy.

Causing a Car Crash While Uninsured

Not purchasing liability car insurance makes drivers’ lives much more difficult and car insurance much more expensive, but the hard times will not end there if they cause an accident while uninsured.

Liability car insurance is for third-party bodily injuries and property damages; those who do not have this insurance pay for the whole thing without help from anyone.

In tort states, people injured or who had property damaged in a car collision caused by someone else have the ability to sue that person.

In that case, the at-fault person will need to hire an attorney, and this can cost a lot of money.

The at-fault person can then be required to pay everybody’s medical bills and the bills for repairing their property.

You can protect yourself from uninsured drivers by purchasing uninsured motorist auto insurance.

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Lawsuits in No-Fault States

Even when people are living in no-fault states where the injured have to meet certain requirements before they can file a lawsuit, liability car insurance will still need to be purchased.

Although lawsuits are limited, if the injuries are catastrophic, the possibility of a lawsuit remains.

Purchasing Affordable Liability Car Insurance

The case has been made for why it is highly important to purchase one-way liability car insurance.

People may not do so because they want to keep their costs down, but doing this with car insurance is not the right way. They will actually only increase their costs significantly if they begin to drive without liability car insurance.

Our comparison feature can help people find affordable liability car insurance so that they do not have to risk so much by driving without it.

They will receive their quotes for free after entering their zip codes. They can purchase the insurance coverage and print out their proof of insurance right from their computers the same day.

Enter your zip code in our car insurance comparison tool below!


  1. https://www.geico.com/general-liability-insurance/
  2. https://en.wikipedia.org/wiki/Proof_of_insurance
  3. https://www.penndot.gov/Pages/default.aspx
  4. https://www.intoxalock.com/ignition-interlock-devices/what-is-a-restricted-drivers-license/
  5. https://www.statefarm.com/insurance/auto/resources/high-risk-auto-insurance
  6. https://www.allstate.com/tools-and-resources/car-insurance/bodily-injury-liability-insurance.aspx
  7. https://www.geico.com/information/aboutinsurance/auto/
  8. https://www.investopedia.com/terms/t/third-party-insurance.asp