
What if I Do Not Have Car Insurance and I Get Into a Wreck?
Updated August 29, 2025
In Pennsylvania, it is illegal to drive without vehicle liability insurance. The state’s financial responsibility law is in place to ensure the victims of an accident you cause have a way to recover compensation for their damages.
If you do not have car insurance and you get into a wreck, you might be able to recover damages—as long as you did not cause the crash.
If you did cause the car accident, you may be personally responsible for victims’...
