According to Maryland Transportation §17–107
(a)(1) A person who knows or has reason to know that a motor vehicle is not covered by the required security may not Drive the vehicle; or
(a)(2) If the person is an owner of the vehicle, knowingly permit another person to drive it.
(d)(1) A person convicted of a violation of this section is subject to For a first offense, imprisonment not exceeding 1 year or a fine not exceeding $1,000 or both;
(d)(2) For a second or subsequent offense, imprisonment not exceeding 2 years or a fine not exceeding $1,000 or both.
In Maryland, the driver or owner of a car without an MVA insurance record is assumed to know that the car is uninsured without evidence to the contrary. Consequently, according to the statute, driving an uninsured vehicle or allowing one to be driven in Maryland is a jailable offense and includes the possibility of huge fines. Additionally, violation of the law also may lead to the imposition of up to 5 points, which could increase your insurance rates and possibly lead to a suspension of your license and revocation depending on how many points you accumulate on your license which could lead to increased difficulty in obtaining insurance in the future.
Needless to say, it is not advisable to risk driving without auto insurance or with a lapsed insurance policy in Maryland. Various factors affect your insurance rates such as driving history, your address, age, etc. Some solutions are within your control (for instance a defensive driving course may help reduce your insurance rates; if your lease is almost up in a high insurance area, consider moving a bit father to a lower density location, etc) However, ultimately you will need to consult with your insurance agent for the most effective solution.
Nonetheless, if you were the victim of an uninsured vehicle accident, we can help you. Call us today for a fee consultation.
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