What consequences can arise from not having a proof of insurance card while driving?

Having a proof of insurance card while driving is crucial because it serves as evidence that the vehicle is insured. If a driver cannot present a proof of insurance card when asked by law enforcement, they may face fines or penalties. This is a common requirement in many states as part of compliance with financial responsibility laws. The fines can vary depending on the jurisdiction, but they typically aim to ensure that all drivers carry adequate insurance coverage to protect all road users.

The other options do not apply in this context. While it's possible to receive a speeding ticket for driving over the speed limit, this is unrelated to having proof of insurance. Automatic increases in liability coverage are also not a direct consequence of lacking proof of insurance; coverage changes generally occur due to policy modifications or insurance company actions rather than on-the-road incidents. Lastly, there are indeed consequences for not presenting proof of insurance, so stating that there are "no consequences at all" doesn’t reflect the legal realities faced by drivers.