Penalties For Driving Without Car Insurance in Hobbs, New Mexico
Driving without car insurance in Hobbs, New Mexico, is not a good idea, thinking you cannot get into trouble in a small town. Hobbs is a small city in southeastern New Mexico where approximately 40,000 people live. Subsequently, many people think of the oil and gas industry when talking about Hobbs, and it has driven a significant portion of the economy for many years.
Compared to big cities in New Mexico, people see Hobbs as a desert town because of its arid climate and sparse vegetation. And because of this, only some people take driving seriously. Some even drive without car insurance in Hobbs.
In this article, we’ll discuss the penalties for driving without car insurance in Hobbs, New Mexico, and other essential information about insurance coverage to remember before hitting the road.
Consequences of Driving in Hobbs, New Mexico, Without Car Insurance
To comply with the New Mexico Mandatory Financial Responsibility Act, all drivers in the state must possess a minimum liability car insurance policy or an alternate form of financial responsibility, like a bond. Failing to do so is considered a misdemeanor offense and could lead to suspending your vehicle registration.
If the cops catch you driving without insurance, they could fine you up to $300 and face up to 90 days in jail. And if you fail to surrender your license plate and vehicle registration to the New Mexico Motor Vehicle Division (MVD) immediately after suspension, the fine increases by up to $1,000. The court may also impose a penalty of up to six months of imprisonment.
Avoid Car Insurance Coverage Lapses
Car insurance coverage lapses occur when you fail to pay your premiums on time or don’t renew your policy before it expires. Setbacks can happen for various reasons, such as financial difficulties, forgetfulness, or a change in insurance needs.
If you fail to maintain continuous coverage, you could face legal penalties. It is important to note that being unaware of your lapsed coverage is not an acceptable excuse in the eyes of the law.
Stay on top of your payments, renewals, and policy changes to avoid car insurance lapses. Set reminders for payment due dates and renewal deadlines, and notify your insurance company if you plan to make any policy changes.
Show Proof of Insurance
It’s essential to carry a hard copy of your proof of coverage while driving. You may often be required to show proof of insurance during registration, traffic stops, a notice of noncompliance, or after accidents.
As mentioned above, failing to provide current proof of insurance through an insurance ID card or policy binder could result in fines and imprisonment.
How to Get Car Insurance in Hobbs, New Mexico
Getting car insurance in Hobbs, New Mexico, is relatively easy. You can reach out to a local insurance broker, contact an insurance company directly, or use an online price comparison tool to find insurance coverage at an affordable rate.
Keep in mind that the minimum insurance coverage required in Hobbs, New Mexico, as per state law, is liability coverage of at least:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$10,000 property damage liability per accident
Once you’ve selected a policy that best fits your needs, you’ll need to provide some basic information about yourself and your vehicle, such as your name, address, make and model of your car, and driver’s license number. Then, you can pay online, over the phone, or by mail.
In conclusion, driving without car insurance in Hobbs, New Mexico, can result in fines, imprisonment, or a combination of both. To avoid these penalties, ensure you have auto insurance that adequately protects your vehicle and provides you and your family peace of mind while driving.
About Daniels Insurance, Inc.
At Daniels Insurance, Inc., we have a unique understanding of the risks that businesses like yours face on a regular basis. With the backing of our comprehensive coverages and our dedication to customer service and quick claims resolution, your business will be fully protected. For more information, contact us today at (855) 565-7616.