The state considers driving without insurance to be a civil motor vehicle violation (CMVI). Under Massachusetts law, it is a crime to operate a motor vehicle without being properly insured. If the police stop a vehicle in Massachusetts and you don't have insurance, the officer will give the driver a “uniform Massachusetts citation” for driving a motor vehicle without insurance. The uninsured car is also likely to be towed.
With this online insurance verification system, insurance companies, drivers and authorities can confirm that a vehicle is properly insured. SR-22 insurance typically costs much more than regular insurance because of the high-risk designation that comes with crimes such as driving under the influence of alcohol and reckless driving. For insurance companies, it's similar to having a bad driving record, which is why drivers who let their insurance expire for 60 days pay approximately 35% more than the average premium in Massachusetts. The consequences of driving without insurance are ultimately more costly than buying minimal car insurance coverage.
If you have an accident while driving without insurance in Massachusetts, you will be cited and all penalties for driving without insurance will apply, no matter who is at fault. In Massachusetts, drivers with just two speeding tickets pay an average of 51% more on their annual car insurance premiums, for example. It includes how to repair your vehicle in a repair shop of your choice, which your insurance company has not chosen; how to contact insurance regulators if your insurance company does not resolve your claim satisfactorily and how to protect your personal information. If you borrow a car from someone who lives in their own home, it must be listed on the car owner's policy.
If you cannot find an insurance company that is willing to sign you a policy, an insurance company will be assigned to you through the MAIP. Buying Massachusetts minimum liability auto insurance coverage is the easiest way to meet the financial responsibility requirement. If you have an accident without car insurance in Massachusetts, a number of things can happen. The Massachusetts RMV partnered with Boston Software Corporation to offer an online service that would allow insurance agents to renew and reinstate vehicle registrations.
The SR-22 is a form that the insurer submits to the state by the insurer to show that the driver has the legally required amount of insurance. The Massachusetts Auto Insurance Plan (MAIP), sometimes called the Assigned Risk Fund, is a way for drivers to get car insurance if they can't find a company in the voluntary market. The difference between SR-22 and regular insurance is that SR-22 insurance is for high-risk drivers who have been convicted of serious traffic violations, while regular insurance is for anyone who drives a car.