Driving without incomplete or invalid insurance coverage is considered illegal talk more of driving your vehicle without insurance coverage. If you are caught in this act, be ready to face the consequences that come with it.
Getting car insurance if you are a car owner is mandatory in developed countries in the world. Countries like the US, Germany, UK, Australia, and many more can be strict in dealing with car insurance policies.
One of the frequently asked questions is what is the maximum fine for driving without insurance? You don’t have to wait to get caught rather take action to avoid getting penalized by the law.
However, this article will be of great help to you as you would be able to get a glimpse of the actions to take to avoid getting into trouble for driving without car insurance. You just have to keep scrolling!
Is it Always Illegal to Drive Without Car Insurance?
When driving on a public road it is compulsory you get car insurance as there is a possibility of getting involved in an accident anytime you drive. You do not need to get insurance if the space you drive does not get in contact with the public.
It is advised you get the basic car insurance for your vehicle which is called third-party insurance. The third-party insurance policy would take responsibility when you cause an injury or damage to an individual or property when involved in an accident.
Although, there are other coverages available to get you insured when your car gets stolen or involved in a fire accident the coverage that will cover that is called comprehensive insurance.
What Happens if I am Stopped by the Police for Driving Without Insurance?
You should know that the police are responsible for checking out cars without insurance. They do their checks with the plate number recognition cameras to check cars that have coverage or not.
Also, there are times insurance companies cancel their insurance without notifying their clients if you find yourself in this situation, be rest assured that you have a defense. You can only be found punishable by law if you were contacted about the insurance cancellation.
In the situation where you are stopped by the police to submit your insurance documents. You would be given seven days to present it and it must be valid and found without fault.
You might be wondering, “I might escape from the punishment if I’m found driving without a car insurance as I have seven days to get one” Well, that isn’t the case as you can’t get car insurance within seven days you were given by the police to present proof of your insurance.
You need to have credible car insurance as at the time you are required to present it. So make sure you aren’t found driving without car insurance coverage to avoid being penalized.
What Are the Penalties for Driving Without a Valid Car Insurance?
There are levels of penalties given to individuals caught driving without valid vehicle insurance. What is the minimum fine for driving without insurance? Let take a look at this:
- You would be given a fixed penalty fine of £300
- A six penalty points would points will also be given to you by the police.
- Like indicated above, getting a fixed penalty fine and six penalty points is termed as a minimum fine for driving.
The penalty you are to get depends on the weight of your offense.
Now, if the police find your case to be above the minimum penalty, you would be handed to the court to oversee your case.
Examples of cases are when you are found guilty of not going through a driving test, providing false information to the police, or driving a high risked car without insurance coverage.
What is the Maximum Fine for Driving Without Insurance?
Court
- You would be issued an unlimited fine
- You can be disqualified from driving
Police
- Seizure of the vehicle you were caught with
- Destruction of your vehicle
Others
- You would be liable to pay a higher amount of premium in future
- Taking responsibility for the cost of repair when an accident occurs.
Will I get a criminal record for driving without insurance?
You can’t get a criminal record for driving without insurance but that doesn’t make it good does it? If you are found guilty by the law an IN10 stamp would be seen on your driving license for a period of four years which would be presented to your insurance agent for an extra year.
Conclusion
I hope you have learned all you need to learn concerning driving without car insurance. I urge you to take the necessary steps to avoid being a captive of the police.
What is the maximum fine for driving without insurance? I’m sure this question has been answered in this article, if you feel it didn’t sink deeply into you, you can use the comments section below so we can know what and what you are struggling with in regards to this article. Also, like and share this article with your loved ones.