For many people out there, the idea of driving without insurance is hard to comprehend. There are many myths that surround the issue of driving without coverage. There is no way around this, as insurance is mandatory in most places, but it is possible to drive legally without it.
The first myth is that you are not insured when you have a new car. While this may be true, it is not necessarily true that you can not drive your old car or truck. Your current vehicle may be covered by some insurance policy. If you have a very good driving record, however, chances are that you can get an insurance quote for your old vehicle fairly easily.
The second myth is that you will not get arrested for driving with no insurance because there are legal penalties for driving with no coverage. Although there are fines that you can pay if you get caught without coverage, these are not usually severe enough to stop someone from driving. Even if you get into an accident, it is possible to recover damages from your insurance company anyway.
The third myth is that insurance is mandatory in Canada. Most provinces require you to have insurance when you buy a car or truck. In the event of an accident, however, you do not have insurance, you will need to purchase a liability coverage policy in order to continue to drive legally. In most provinces, this is also required when you renew your car insurance policy every year. If you have a rental car, you can also get the insurance from your car rental company.
The fourth myth is that buying a car or truck without insurance is illegal in some cases. Although there are certain cities and towns where you may not be able to legally drive without coverage, there are many areas where you can legally drive any vehicle, including a vehicle that has already been paid for. Some provinces even allow you to drive a motorized wheelchair for hire or a vehicle that is designed to help the physically impaired person to travel safely.
Hopefully this short article has answered some of the most important issues surrounding the issue of driving without coverage. If you have any questions or concerns, it is worth checking out the internet and asking your local insurance agent.
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