The types of car insurance that cover your injuries after an accident are your own personal injury protection (PIP) and MedPay insurance or the other driver's liability insurance. Liability insurance pays if you weren't at fault, while PIP and MedPay can pay for medical expenses regardless of who was at fault. Your driving privilege will be suspended if you don't complete an SR 1 form or didn't have adequate insurance coverage at the time of the vehicle collision. If you don't maintain liability insurance coverage for your car at all times, it can result in the suspension of your vehicle's license plate and driver's license, as well as other significant monetary penalties.
Insurers are required to report information, such as cancellations, renewals and issuance of new policies, to the DMV about all the people they insure for motor vehicle insurance. If someone in your car is injured by the driver of an uninsured vehicle or by a motorist who crashes, you must file a claim with your auto insurance company under this coverage. While your auto liability insurance policy covers all passengers in your vehicle injured in an accident caused by the driver's negligence, it most likely won't offer any liability coverage when the injured passenger is your spouse, unless you take out supplementary spousal liability insurance. Keep in mind the importance of maintaining the required motor vehicle insurance coverage on an ongoing basis while you own a car.
These procedures could result in you receiving a letter from the DMV asking about your insurance status, even if your vehicle is currently insured. If you are injured in a car accident or your car is damaged due to someone else's negligence, you may be able to file a claim against that other person's car insurance policy for liability for bodily injury and property damage.