To begin with, it’s not a crime of moral turpitude such as theft or animal cruelty. And although charged criminally, one may also view driving without insurance as a cousin to a financial crime. That being said, you’re still facing a fine, points on your driver’s license. And even possible jail time.
The Court May Consider This Irresponsible Conduct.
If you get into an accident, and it’s your fault, and you don’t have insurance, then you will be personally responsible to pay for the damages. If you have enough money, then the victim can be properly compensated. The problem comes from not being able to afford it.
Most People Don’t Have Enough Money to Pay for Accident Damages and Injuries.
This is why Maryland requires you to carry liability insurance. If you don’t have enough money to pay for things, your insurance company will step in. Without this Maryland statute, people could just walk away from an accident and file bankruptcy.
What is the Best First Step After I’m Charged?
Get a valid insurance policy.
What if I Just Show up in Court and Say I’ve Parked the Vehicle and I’m no Longer Driving It?
It won’t work. The prosecutor will most likely ignore such a statement.
What if I Don’t Own the Car I Was Driving?
Although not a guaranteed defense, this is an area where a skilled lawyer may be able to help you.
What if I’ve Sold the Vehicle?
Again, not a defense. But, if presented properly, a sold vehicle could mitigate your reason for not having a valid insurance policy in court.
Can I Just Show Up to Court by Myself and Settle It?
In my experience, when a defendant doesn’t have a lawyer, the prosecutor may ask you if you want to postpone to get an attorney. If you say you’d like to settle it on the spot without a lawyer, they will probably make you an offer. And if you start talking and trying to explain things after the offer is made, you may not get the response you are looking for. Prosecutors are not in court to defend you and to explain all of your options. They are usually very busy. In essence, it may be a take it or leave it type of situation.
What if I Got Into an Accident, and I Agree to Pay For the Other Person’s Car Damage and Medical Bills. Can I Still be Convicted?
Yes, you can still be charged and convicted. But, paying for the victim’s damages may make things a little easier for you.