by 
The Curious Bag
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Driving without insurance can be a risky proposition. If caught by law enforcement, the consequences could be severe. In lieu of insurance, some states will require you to prove financial responsibility.
Significance
Driving without insurance is illegal in virtually all of the United States. Depending on the state, you could lose your license, be fined or even imprisoned if you are involved in an accident while driving uninsured.
Considerations
Not all states pursue uninsured motorists aggressively. As a result, a portion of your car insurance premium goes to those states.
Effects
In some states you could lose your license for up to a year for driving without insurance. This could mean that you might not be able to maintain your employment if you cannot find a way to get to work.
Alternatives
You may not be able to get standard auto insurance due to your past driving record. If this applies to you, your state may have an assigned risk plan where you will be able to purchase insurance regardless of your circumstances as long as you have a valid license.
Misconceptions
Some people believe that the other driver's uninsured/underinsured motorist coverage will absolve them from paying damages. However, this may not prevent the other driver from filing a lawsuit if the insurance coverage is inadequate.
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