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Cover Yourself: The Consequences of Driving Without Insurance in New Jersey

Police blotters around New Jersey are filled with incidents of a pervasive and illegal type: driving without insurance.  To many, driving without insurance appears to be a minor, bureaucratic infraction.  After all, it doesn’t involve careless or dangerous behavior like other well-known traffic crimes.  Many are surprised, then, when they find that driving without insurance in New Jersey carries hefty consequences.  New Jersey takes the requirement that drivers carry insurance to protect themselves, their passengers, and others that may be injured in accidents very seriously.

The punishments for driving without insurance reflect that seriousness. A first conviction carries a $300 to $1,000 fine, a period of court-determined community service, and a one-year suspension of driving privileges.  Further convictions for driving without insurance carry a $5,000 fine, 14 days imprisonment, 30 days of community service, and a two-year license suspension.

For accident victims, being struck by a motorist who doesn’t have insurance complicates claims against the guilty party. In this situation, your own insurer may pay for your losses or injuries, provided you have the right kind of insurance policy yourself. Other considerations as to whether you will receive coverage from your insurer – and how much – include the following:

  • The other driver is found to be at fault for the accident
  • Your underinsured/uninsured motorist coverage limit is higher than the liability coverage limit of the driver who caused the accident
  • The percentage the other driver was at fault is not lower than your own, under New Jersey’s Comparative Negligence law
  • Your $500.00 policy deductible has been met

New Jersey clearly considers driving without insurance a serious offense. If you are charged with driving without insurance, contact us for help to defend you and protect your rights.

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Joseph J.  Hoffman, Jr. Attorney Photo
Joseph J. Hoffman, Jr.
Senior Partner

For more than 40 years, Mr. Hoffman has protected the interest of his clients through diligence and hard work on legal matters, both large and small. An honors graduate of Rutgers University Law School and a native of Gloucester County, Mr. Hoffman has won numerous accolades for excellence in the practice of law.

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Kenneth A. DiMuzio, Sr.
Senior Partner

An attorney with over 45 years of professional experience, Mr. DiMuzio concentrates his practice on personal injury and workers’ compensation matters. A graduate of Georgetown University Law School and a native of Gloucester County, Mr. DiMuzio has been honored time and again for his professionalism and ethics in the practice of law.

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Ernest L. Alvino, Jr.
Attorney

About Ernest L. Alvino, Jr. concentrates his practice in the area of workplace injuries; construction accidents; product injuries; trucking accidents; auto injuries; medical negligence and crime victim advocacy. Ernie is a lifelong Gloucester County resident, living in Mullica Hill with his wife and children. Ernie worked his way through school as a Teamster and construction…

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Jeremiah J. Atkins
Attorney

About Mr. Atkins joined the firm of Hoffman DiMuzio in February 2010. Mr. Atkins represents individuals and corporate clients in commercial and employment litigation. Mr. Atkins’ practice covers a wide variety of employment-related matters before New Jersey State and Federal courts, with a focus on discrimination, retaliation, sexual harassment, family leave and whistleblowing claims. Mr.…

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Peter J. Bonfiglio, III
Attorney

About Mr. Bonfiglio concentrates his practice in the area of municipal court with an emphasis on defense of individuals charged with driving while intoxicated and/or refusal to submit to a breath test. Pete resides in Gloucester Township, Camden County with his wife and two of his three children.  In addition to his law practice, he…

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