Motorists should not neglect road safety rules when they decide to get behind the wheel. The risk being receive a large fine. Especially since it is possible to expose oneself to other penalties.
A fine of 3750 euros
When a person buys a car, he must absolutely think about insure your vehicle. Neglecting this step of taking out car insurance is liable to a fine or other community service penalties.
According to the Service-Public website, a driver who does not have car insurance is committing an offence. Indeed, article L211-1 of the insurance code indicates that the car insurance subscription is mandatory for all land vehicles that have an engine.
#Road safety Driving without insurance is a crime. The penalty incurred for lack of insurance is a fine of 3750 euros, which may be accompanied by additional penalties (suspension or cancellation of the license, with prohibition to retake it & confiscation of the vehicle). pic.twitter.com/3bw7jGNcWx
– Prefect of Haute-Savoie (@Prefet74) November 24, 2019
If a driver stubbornly violates this obligation to take out insurance, he incurs penalties. He therefore risks receiving not only a fine, but also other sanctions. A fine up to 3750 euros.
The person must therefore pay this fine over a given period. In addition to this fine of 3750 euros, there is also the risk of receiving community service. And this, in addition to a three-year license suspension.
In some cases, you risk being suspended for 5 years. Added to all this is a mandatory internship of road safety awareness. The worst is also to see his vehicle being confiscated.
Financial penalties in the event of an accident
Things get complicated if you ever crash into a car without auto insurance. It is the FGAO or the guarantee fund for compulsory damage insurance which is responsible for compensating victims of traffic accidents.
Indeed, it is she who repairs the damage, especially when the author of the accident does not have car insurance. On the other hand, the FGAO does not guarantee any care orcompensation for material damage for the author of the accident.
In addition, he must make a payment to the FGAO of the full amount used by the latter to reimburse the victim. If the damage from the accident turned out to be very serious, the sum to be reimbursed is much greater.
The author of the accident then risks paying a sum calculated on the basis of his income every month. A payment which can last for life depending on the case.
The risks of riding with expired insurance:
-Compensation at your own expense in the event of an accident.
To renew your auto insurance go to https://t.co/NEIjnHo37e #amsa #AmsaAssurances #Car Insurance #Auto #ReflexeAmsa pic.twitter.com/2JwS2miSnH
— AMSA Assurances SN (@AmsaAssurances) January 10, 2022
What are the benefits of insuring your vehicle?
You are now aware that driving without car insurance can bring you a lot of trouble. However, by following the rules, your car can bring many benefits.
When you decide toinsure your vehicle, you avoid receiving a fine, but also none of the penalties mentioned above. If an accident occurs, car insurance covers both material damage and physical damage.
This means that the people concerned will be able to benefit from treatment if they are injured. Insurance is responsible for repairing material damage caused by the accident.
Even if she compensation for third parties, the subscriber will still be protected against legal action. If you are the author of a traffic accident, the person affected can sue you.
The advantage of having taken out insurance will exempt you financial charges resulting from this accident. This will mainly concern the reimbursement of the car, hospitalization expenses as well as certain compensations.
The various types of car insurance
There are several kinds of car insurance. To begin with, there is car insurance concerning “civil liability”. It’s about minimum criterion imposed by lawso the driver must at least have a contract on this type.
The law also states insurance with formulas “third party”. At a minimum, you can choose a plan that offers to cover the bodily injury of the driver. You can add other guarantees.
You will be able to claim this protection when the incident occurs when you have lent your vehicle. This could also be useful when the vehicle is damaged by objects present on the public highway.
Not to mention that there are more satisfactory services in relation to quality and price. As an example, we can cite the fact that the driver benefits from better care if ever a tragedy occurs. Insurance is there for you cover in case of accident and not to avoid a fine.