Everything you need to know about the dangers of driving without insurance for your car
Driving without insurance is prohibited by law. Driving without insurance is an offense that can result in a fine of up to 3750 euros and the suspension of the driving license for three years. That’s why it’s important to always drive with valid insurance.
How can the police check for insurance?
If the police first check a driver’s vehicle, they verify the vehicle registration document and the green sticker placed on the car’s windshield or a certificate demonstrating that the driver is insured for their vehicle. However, some unscrupulous drivers may forge a document. It is not a 100% proof that the vehicle is insured. An insurance policy.
In 2019, security has increased, as the police can directly check the license plate linked to the registry of insured vehicles. This has reduced the number of traffic violations and made the roads safer for everyone. Therefore, the risk of fraud is reduced. If you are uninsured, you are legally liable, from a simple fine to the suspension of your driving license, the risk is very high.
Who is insured to drive?
According to statistics, most drivers who drive without insurance are young. The reasons are that they have forgotten to renew their contract or they don’t have money to cover their vehicle. It is important to remember that some drivers drive uninsured because they do not want to pay. They will be penalized if they drive without insurance: it is estimated that about 800,000 drivers are at risk of not having it.
What are the risks if I have an accident and don’t have insurance?
Without insurance = not legal. Being responsible for an accident and causing damage to a third party can make it more difficult. The FGAO, Fédération Générale Automobile, is responsible for settling damages caused by the driver who does not have insurance. If the driver cannot pay, the FGAO will compensate the victims.
The driver responsible for the lack of insurance is charged and sentenced to imprisonment or community service. In these cases, the driving license will be suspended.
How to contest the lack of insurance?
If a driver is fined for not having insurance because they lost their insurance documents, they can contest the fine on the ANTAI (Agence Nationale Traitement Automatisé des Infractions) website. They must enter the fine reference and the license plate code of their car. A check is carried out and, if the fine is contested, it can be annulled.
Is it legal to lend your vehicle?
Yes, it is legal to lend your car, but you must inform your insurance company so that the civil liability agreement you signed with your car covers third-party insurance.
Can I drive someone else’s car?
You can drive a friend’s car with the owner’s permission. Of course, you will need to show a valid driver’s license to confirm that the owner is covered by a valid third-party insurance policy to avoid any problems in case of an accident.
How to choose and evaluate car insurance policies for young drivers?
You know it’s dangerous to drive without insurance. It’s important that you purchase insurance for your vehicle when you get behind the wheel to avoid breaking the law. It will also allow you to drive with peace of mind, without worrying about potential issues that may arise. You may be fined if necessary, but the real problem arises when you get involved in an accident with a third party that may be your fault. Therefore, to avoid facing legal issues, we recommend that you take out mandatory insurance.
This type of insurance will not be a significant expense for the driver’s budget, especially for young drivers. That’s why, at assurland.com, you can find insurance for young drivers. The main advantage of these sites is that they show all the available insurance options in the market and suggest the one that best fits your needs. There are many online calculators that can help you find the most suitable insurance for your situation. These tools can save you time and money by allowing you to compare insurance offers.
