drive without Car insurance or motorcycle It is an action that can have serious consequences for you as the person responsible for the vehicle, but also for others if you have an accident. However, it must be taken into account that there is a big difference between the car not having any type of insurance, and the car being insured, but not included in the policy.
If you are the regular driver of a vehicle, what we recommend as specialists in the sector is that you have insurance in your name. This will save you worries and possible legal problems if an accident occurs. To find the policy that best suits both you and your vehicle, you can contact our Insurance Consulting.
En Euroteide Insurance, we have been 27 years advising on all kinds of motor vehicle policies in order to have the policy that best suits you, being by your side and handling your claim if it occurs.
Can you drive a car without insurance?
As we said at the beginning, two situations can occur. The first and most serious is that the vehicle is not insured.
drive without Motorcycle insurance or car is not a crime, but it constitutes a infraction that is sanctioned with a fairly high fine. In addition, in the event of an accident, the person responsible for the vehicle will have to pay civil liability to compensate for the damage that other people have suffered to themselves or their property. And this is always much more expensive than hiring good insurance from the beginning.
The second situation is that the car has insurance, but that you do not appear in the policy. Can I drive a car without being in Insurance? This is a common question among many drivers, and the answer is yes.
For example, if you have the vehicle insured in your name, your child can drive it without any problem. If an accident occurs, the Insurance will take charge of paying the civil liability to third parties. Then, depending on the provisions of the contract, the insurer will cover or not the own damages.
Responding then to the question that we raised: you cannot drive a vehicle that is not insured.
There is a special case that occurs at the time of paying the premium. Imagine that the time has come to pay the corresponding receipt and, for one reason or another, it is not paid. In a situation of this type, the legislation establishes a coverage extension for 30 days waiting for the receipt to be paid or protection contracted with another insurer. This is what is known as Grace period. If an accident occurs within this grace period, the premium must be paid immediately to have coverage in the Insurance policy.
For example, if you should have paid the car insurance bill on the 5th of this month, but you have not done so due to lack of liquidity, and you have an accident on the 20th, your insurer must offer you all the coverage you have contracted in your policy, as long as you pay the insurance premium immediately.
Once the grace month has passed, coverage is suspended. However, the insurance contract does not expire until six months after the non-payment. If you pay what is owed within that period, the Insurance will be in force again within a period of 24 hours.
What happens if you drive without insurance and have an accident.
If you are not responsible for the accident.
In case you drive a vehicle that is not insured, and you are involved in an accident for which you are not responsible, the consequences are more serious than you may think. Because in these cases, you automatically become the culprit of what happened.
The opposing party will be indemnified for the Insurance Compensation Consortium, but this entity is going to claim from you what it has to pay to third parties. In addition, if your vehicle has suffered damage, you will have to personally take care of its repair, because you will not receive any compensation from the insurer of the vehicle that originally caused the accident. In the same way, if you suffer personal damage, you will not be entitled to any type of compensation either.
If you are responsible for the accident
Faced with a situation of this type, the consequences are even more serious. The first thing is that you will have to directly pay the cost of all injuries and property damage caused. If you do not have money for it, it is possible that you will end up sued in a procedure to claim your civil responsibility and, as a consequence of this, they could seize and foreclose your personal assets.
In addition, you will have to pay a fine for driving without insurance. To this, add that your car will be immobilized until you prove that you have taken out Insurance, which implies having to pay costs such as the crane and the deposit. In total, driving without insurance can cost you several thousand euros.
Consequences of driving without insurance
For the DGT, driving without insurance is a particularly reprehensible offense and, precisely for this reason, the fine imposed in these cases can range from 601 to 3005 euros. In the specific case of cars, the penalty is $1500.
Such high fines are imposed so that citizens are aware that it is much cheaper to take out Insurance. Despite this, unfortunately an estimated 2,6 million vehicles are uninsured, and the volume of annual fines imposed for this matter rises to 130.
Along with the fine, the next sanction that is imposed on you is that your vehicle is immobilized and you will not be able to recover it until you show that there is already a policy in force. On the other hand, you will not have legal defense that insurers offer their clients, and you will have to pay attorney and attorney fees out of pocket if, in the event of an accident, the other party or the Insurance Compensation Consortium they sue you To all this, add that you will have to pay the compensation for civil liability that correspond if an accident has occurred, whether or not you are the cause of it.
Driving without insurance is a source of problems. Problems that, luckily, you can avoid with something as simple as having Insurance for your vehicle. In Euroteide Insurance we can help you find the best option so that you drive with the peace of mind of knowing that everything is in order and you don't have to worry about anything.