What Happens if You Don’t Have Insurance?

Insurance is a subject that many people find overwhelming and difficult to understand. The terminology is difficult enough. Even when you do understand, there are enough choices between companies and plans to make anyone’s head spin. There are also many different types of insurance to consider, from car and health insurance to fire, flood, boat, life, and more. Insurance of all types can be expensive and seem overwhelming to purchase. This combined with the recent Affordable Care Act leaves many Americans wondering what the consequences are for not having insurance. Let us break down car and health insurance if you choose not to have insurance in Everett.

Car Insurance

Estimates say that around 13% of drivers in the US don’t have car insurance. What exactly does this mean? Without current insurance, you won’t be able to get current registration on your car or renew your driver’s license. If a police officer sees your lack of registration or you get pulled over and don’t have proof of insurance, then there are several consequences depending on the state. Your license and registration will be suspended and you will receive a ticket of considerable size. If you try to get insurance after that, your premiums will be higher. If you are in an accident and it’s your fault, then you will be solely responsible for covering the expenses for injury and damages to the car for yourself and the other driver. If the other driver is at fault, then their insurance will help cover you.

Health Insurance

The Affordable Care Act mandates that all Americans have health insurance. If you don’t have it, you will be fined each year. The fine ranges for each person, but can be several thousand dollars. If you don’t have insurance but need medical care, there are several options.

Find a free clinic: There are websites where you can look up local clinics.
Go to the emergency room: Hospitals are legally required to care for people even if they don’t have insurance. You can talk to the billing department to learn about financial assistance and other possibilities.
Go to any provider: Any doctor can still treat a person without insurance, but they will bill you for the entire charge. If you ask, the doctor may give you a discount for not having insurance or for paying in cash up front.

There are options if you don’t have insurance, but you will likely end up paying more when an accident or health problem arises.

When our previous insurance provider decided to make a change in our career we were a little anxious. We had become accustomed to being on a first-name basis and getting quick responses to our requests. Little did we know at the time we had nothing to worry about as American Insure-All has more than met our previous expectations. Don and his team have been quick to respond to our needs and provide us with the peace of mind that we were looking for in a provider.

Andy Omsen

We switched to American Insure-All many years ago and Don has always taken great care of all our needs. He has always been honest, fair, and very timely with each policy request. American Insure-All is a pleasure to deal with and we highly recommend them.

luisaboutiq vip

I highly recommend this agency for any insurance policy you may need. Don was very helpful with my new policies with American Insure-All. He saved me about $200 per month. The insurance company I was previously with was super expensive. The best thing I ever did was switch to American Insure-All.

Yannie Villavicencio

I can't say enough about American Insure-All and the services they have provided both myself and my referred clients over the past decades. As a real estate broker for over 30 years, I utilize many vendors and service companies, but the people at American Insure-All are at the top of our list. The level of trust they have earned from us is second to none. They are incredibly responsive to our client's needs but more importantly, we can trust the council that they offer our clients.

Shriram Dholpur

We have been working with Don for about 15 years and won't even consider making any changes. He's been super responsive and it's always a pleasure to work with him whether we have a question or need to update a policy, etc.

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