Is it a Crime to Drive with Expired Insurance [ or No?] in Maryland?

Imagine rushing out the door on a typical morning, juggling your keys and coffee, only to realize halfway to work that your car insurance expired last month. Panic sets in as you recall the potential consequences. In Maryland, driving without valid insurance is more than just a minor slip-up; it can lead to serious legal trouble and hefty fines. Many drivers face this dilemma, often due to forgetfulness or financial difficulties, but this seemingly minor slip-up can unfortunately lead to severe penalties.

At The Law Office of Hillel Traub, we understand the stress and anxiety that comes with traffic violations of all kinds. With over 30 years of experience, Attorney Hillel Traub has helped numerous Maryland drivers navigate the complexities of traffic law, fighting to mitigate penalties for a variety of violations, including lack of valid insurance. As a former lawyer for the MVA, Attorney Traub brings unique insights and dedicated support to those facing legal challenges due to traffic violations of all kinds.

Understanding Maryland’s Insurance Requirements

In Maryland, the law that prohibits driving without insurance is outlined in the Maryland Transportation Code, specifically under Section 17-104 of the Maryland Vehicle Law. This section mandates that all vehicles registered in Maryland must be continuously insured by a motor vehicle liability insurance policy. The law also requires drivers to carry proof of insurance at all times and present it upon request by law enforcement officers.

Drivers are also required to carry minimum liability insurance to cover potential damages in the event of an accident. The minimum requirements are:

• $30,000 for bodily injury per person: This covers medical expenses for injuries sustained by a single person in an accident you cause.
• $60,000 for bodily injury per accident: This total amount covers medical expenses for all injuries sustained in a single accident you cause.
• $15,000 for property damage: This covers the repair or replacement of property damaged in an accident you cause, such as other vehicles, fences, or buildings.

Failing to maintain this coverage can result in significant punishments, including fines, points on your driving record, and even license suspension.

Penalties for Driving With Expired Insurance

Driving without valid insurance in Maryland can lead to severe consequences. Penalties include:

• Fines: You could face fines up to $2,500? for a first offense.
• Points on your license: Each violation can add points to your driving record, increasing the risk of license suspension.
• License and registration suspension: Your vehicle registration and driver’s license can be suspended until you provide proof of insurance.
• Impoundment: In some cases, your vehicle may be impounded.

If you are facing penalties for driving with expired insurance, now is the time to seek legal advice from a qualified attorney. There may be defenses available, such as lapses due to non-payment errors or administrative mistakes. An experienced traffic violations attorney can help you explore these defenses and work to reduce or dismiss the charges.

Seek Legal Guidance for Driving with Expired Insurance in Maryland

At The Law Office of Hillel Traub, we understand the stress and anxiety associated with traffic violations like driving with expired insurance. With over 30 years of experience, Attorney Traub has helped numerous Maryland drivers navigate the complexities of traffic law and work to mitigate penalties for various violations. As a former lawyer for the MVA, Attorney Traub brings unique insights and dedicated support to those facing legal challenges due to traffic violations.

If you’re facing penalties for driving with expired insurance, seeking legal advice is crucial. Contact us today at (410) 580-1100 or visit our contact form to schedule a consultation. Let us help you protect your driving record and minimize the impact of traffic violations on your life.