Failure to Provide Proof of Insurance

Failure to Provide Proof of Insurance is a serious charge. It is a Class 1 Traffic Misdemeanor Offense and a conviction for a first-time Failure to Provide Proof of Insurance violation may result in a minimum mandatory fine of $500.00 plus court costs and surcharges, a possible jail sentence (usually only ordered in cases where there are aggravating factors, such as excessive severe injury to a person or extreme indifference to the safety of others), restitution, community or useful public service, probation for one year or longer, and other possible requirements by the court, with an assessment of 4 points to your driver’s license. The court may impose a fine amount greater than the minimum amount. Additionally, the court may suspend up to one-half of the assessed fine amount if the driver subsequently gets liability insurance that is in effect at the time of the court hearing.

What If I Get Two or More Violations For No Insurance Within a 5 Year Period?

If a driver gets two or more convictions for Failure to Provide Proof of Insurance within a five year period, in addition to the penalties listed above, the minimum mandatory fine is increased to $1,000.00, with the possibility that the court may suspend up to one-half of the assessed fine amount if the driver subsequently gets liability insurance that is in effect at the time of the court hearing.