Insurance agents can also update insurance information on behalf of their customers using MyMVA. Maryland requires that vehicle owners and drivers carry proof of insurance in their cars. If you are stopped for a traffic violation or are involved in an accident, a law enforcement officer can issue you a traffic ticket if you can't provide proof of insurance. In no-fault states, you rely on your own insurance to cover medical bills and other out-of-pocket losses, regardless of who caused the car accident.
As severe as these penalties are, they pale in comparison to the financial impact you could suffer if you have a car accident and don't have car insurance. In at-fault states, the driver at fault in a car accident must pay for the other party's damages, including medical bills, car repairs, lost wages, and pain and suffering. To check the status of your insurance, your insurer must file a Form FR-19 (Maryland insurance certificate) to the Maryland Motor Vehicle Administration (MVA) on your behalf. Fault drivers often rely on liability insurance to pay for damages, which is why Maryland law requires car owners and drivers to have a minimum amount of liability insurance.
If you know or have reason to know that a car is not insured and you drive it (or allow someone else to drive it) anyway, you can go to jail.
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