Our Monmouth County Traffic Lawyers answer the your Traffic law questions:

What is the penalty for not having motor vehicle insurance coverage?

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Driving Without Insurance (Uninsured) Law. As per N.J.S.A. 39:6B-2, an individual is subject to stiff penalties if convicted of driving without insurance. The law applies to both “owners” and “operators” of uninsured motor vehicles. It prohibits an owner from operating or causing his vehicle to be operated without motor vehicle insurance in effect. Under N.J.S.A. 39:6B-2, it is also illegal for an “operator” to operate a motor vehicle when he/she knows or reasonably should know that the motor vehicle is uninsured.


The statute specifically says “owner or registrant,” of a motor vehicle,” “registered or principally garaged,” who knew or should have known by the attendant circumstances.”
One obvious defense is to prove by documented evidence that even though you were the operator, the motor vehicle was owned by someone else and you believed that the vehicle was uninsured.
If your insurance coverage was cancelled by the insurance company without your knowledge, the state must prove that it was lawfully cancelled and that you were sent or received, actual notice of cancellation. If the cancellation was not lawful or without written notice of the cancellation then a finding of not guilty can be entered

A first time conviction of driving without insurance, results in fines between $300 and $1,000, community service, and a one year suspension of the your driver’s license.
Your exposure to penalty increases for a second, third or subsequent offenses of driving while uninsured. Upon conviction of a 2nd offense you will be fined up to $5,000, have to perform 30 days of community service, serve 14 days in jail, and your driver’s license will be suspended for two years.
The state of New Jersey imposes mandatory surcharges you operates a vehicle in violation of N.J.S.A. 39:6B-2. Additionally, insurers impose a separate penalty or surcharge on motor vehicle policies when there is a lapse in coverage.

If you have been charged with driving without insurance contact the Riviere Advocacy Group for a free consultation.

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An Attorney Who Goes Above and Beyond For His Clients, He Puts Their Needs First Mr. Riviere gets a five star rating from my husband and I. Any questions we had he made sure to answer them, and that we understood. He went way above and beyond to help us out, we had a case that turned out not to be a cut...

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Paul Joseph Riviere II Gets Two Thumbs Up! I contacted Paul after I was in an accident. He was very helpful from the moment he took me on as a client. He helped me get medical treatment through PLIGA when I had no insurance at all. Paul also made sure I was seen by a doctor immediately for my pain...

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Lauren Greenberg
Lauren Greenberg
14:48 20 Oct 16
Paul worked on a tax assessment case for my husband and I. Our town assessed our house and as a result our taxes were due to increase. Paul was excellent and time efficient. He fought our town to have the house re-assessed and as a result our taxes did not increase and we got are due for a refund from the township. Thanks so much for a job well done!
Joy Valente
Joy Valente
00:47 05 Feb 17
I've been extremely taken aback by the acrimonious demeanor I've read, in the reviews, regarding The law firm of Riviere Cresci & Singer but specifically Mr, Paul Riviere. Esq. I first became acquainted with Mr. Riviere after I suffered an automobile accident. I had the pleasure of meeting with Mr. Riveire, along with other perspective attorney's, while looking for representation. After meeting with Mr. Reviere I knew instantly that he was the man I was going to hire. Mr. Riviere proved to be the right choice not only from his business acumen but his personal interest as well in my health and welfare. I would highly recommend this firm and Mr. Reviere if you are looking for an established firm with a history of excellent client-attorney interaction.
Michelle Pizzimenti
Michelle Pizzimenti
00:50 25 Oct 16
I had the pleasure of working with Paul Riviere and Jonathan Singer over the past few months. Paul and Jonathan were both always very knowledgeable, professional and timely when communicating with me and when communicating directly with the courts. I would highly recommend Paul Riviere and Jonathan Singer to anyone seeking legal services. Thank you, again!!
Mariel Valencia
Mariel Valencia
22:09 13 Jan 17
Jonathan Singer was simply the best atty. I will deff recommend his firm without a doubt.
matthew o'bryan
matthew o'bryan
18:40 03 Oct 16
Paul worked on an expongment case for me that I thought would never go thru. Paul was very professional and really helped direct me to what I needed to do in order for him to get the job done. I can't thank him enough for his hard work. I recommend Paul to anyone for any case that they would need a lawyer for.
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