It is illegal to operate a vehicle without proper insurance under Massachusetts law. Laws mandating insurance are designed to make sure that any liabilities or injuries for an accident can be provided for. The state has very strict fines and penalties for driving without this mandated insurance coverage. Below are four facts you should know.
First, the penalties may include a suspension of your license, monetary fines, mandatory payment of insurance premiums, and possibly jail time. If you are accused of driving without insurance multiple times, penalties rise steeply for each offense.
Second, for the first offense, the penalties are a license suspension of 60 days, coupled with a fine of up to $500. You may be required to pay one year's premium for mandated motor vehicle insurance for the highest rated territory and class or risk in effect at the time you were charged with driving without insurance or $500, whichever is greater. (The state uses funds from the latter payment to offset collection of fine costs and for funds to prevent arson and fraud in the state.)
Third, for a second offense committed within 6 years of the first one, your license will be suspended for 1 year. You may also be assessed a fine of between $500 and $5,000 and in addition have to pay the insurance premium or $500, as for the first offense. You may also receive a jail term of up to 1 year.
Fourth, if your lack of insurance was discovered as a result of a vehicle accident where you were at fault, or you were otherwise discovered and were in an accident, you may be liable for civil damages in a court as well.