Driving a vehicle without valid liability insurance is against the law. A motorist who operates a vehicle without an automobile liability insurance policy is subject to a 90-day driver license suspension or a one-year suspension if it is a repeat violation within a three-year period. In order to obtain a reinstatement of the license, the motorist must pay a reinstatement fee of $150, $225, or $300 depending on whether it is a first, second, third or subsequent offense, and provide current proof of insurance signed by an agent or representative of the insurance company.

Operating a vehicle without insurance coverage is a Class A infraction. In addition, a motorist appearing in court on a traffic violation may be requested to prove that he or she had insurance coverage on the date of the offense.

All accident information sent to the state police is passed on to the BMV. If the insurance information is not provided by the insurance company to state police, a request for proof of financial responsibility (automobile liability insurance) in the form of a “certificate of compliance” will be sent to the motorist’s address as shown on his or her official driving record. Motorists must also complete a “certificate of compliance” when the BMV receives a court report of a conviction for a moving violation in which points are assessed. When a motorist receives a “certificate of compliance,” he or she must then arrange for an insurance agent to complete the information on the certificate and return the certificate to the BMV within 40 days. Failure to return the “certificate of compliance” as required will result in a license suspension.

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