What is the charge for no insurance?

What is the charge for no insurance?

• A. Infraction
• B. Fine only
• C. Warning
• D. Misdemeanor motor vehicle summons

Answer: (D)

Operating a vehicle without the required insurance is treated as a formal legal offense, not a casual citation. When an officer encounters no insurance, they typically issue a misdemeanor motor vehicle summons because it involves failing to meet the legal responsibility to have financial coverage and can affect public safety. A summons requires a court appearance and can carry penalties beyond a simple fine, such as higher fines, license consequences, or even jail time, depending on the jurisdiction. This makes it more serious than a mere infraction or a warning, which is why the correct choice is the misdemeanor motor vehicle summons.