The Sure. car rental is mandatory in Spain. The administrative fine is only one of the consequences of moving without insurance and is not exactly the worst of all. Not having you Policy You may have other side effects as a rule.
What if they stop you without insurance
If the Civil Guard stops you and you don't have insurance, the first thing he will do is fine you, but also, he will proceed to immobilize your car or send it to a warehouse, as he cannot move without being insured.
The car will remain immobilized for a month or three months if it is not the first time you have been fined for not having insurance. Of course, in order to be able to despise it or remove it from the deposit, it will be necessary to prove that you already have the insurance in order and an active policy.
In addition, you will have to pay the costs of deposit or contempt.
In fact, the car doesn't even have to be moving.
The fine for moving without car insurance
The penalty for uninsured movement will depend on the circumstances and range from EUR 601 to EUR 3,005.
These are the elements that will make the fine more or less:
- If the car was standing or moving. Of course, if it was in progress, the penalty will be greater.
- The use you make of the vehicle. A van or a car you use to work will be more penalized than you. tourism particular.
- The gravity of the facts. If the car has been involved in an accident it will be more serious than if it was standing.
- As long as I drive the car without insurance. The longer the fine will be.
- If you're a repeat or it's the first time you've been fined for driving without insurance.
If you have an accident and you don't have insurance
The fine will be the least of the problems if you are involved in an accident and you are not insured. The claims are not cheap and the repair of a car can go from 200 euros to more than 10,000 euros in case of Totalall this without counting on others the part of personal damage - injuries to be treated, for example. The summary is that the cost can be fired.
You just have to think that the mandatory car insurance figures are 70 million euros for personal and personal damage and 15 million euros for property damage. When the law itself imposes these limits it is because the bill of an accident can be very high.
In a No. where the guilty The Insurance Compensation Consortium shall be responsible for paying the compensation to the other party, always in accordance with the limits of the compulsory insurance. Civil liability. What will never cover will be the damage to the uninsured vehicle or its occupants if they knew they were moving without policy.
That doesn't mean that the driver I'm sure he can get out of the way. The Insurance Compensation Consortium reserves what is known as the right to repetition. In other words, that after paying the compensation it will claim the amounts it has just paid. That is, the uninsured car will end up paying the damage.
The most common in these cases is that it does not have the money to deal with the accident, in which case the Consortium will act against its property and may also request the payroll embargo to pay.
In summary, uninsured circular is a very fast way to mortgage your financial future and all to save you a few euros. Here you can discover in less than 60 seconds how much you'll pay for your basic car insurance.
Is it easy to detect a car without insurance?
The reality is that hunting a car that is not insured is as easy as taking your license plate and telematics consultation whether or not it is registered in the Informed Vehicle Index (FIVA). In fact, it is as simple as the General Traffic Directorate (DGT) is going to use its network of traffic cameras and radars to make this check automatically as they have already started with those who move on the mobile or without a safety belt.
Thanks to the FIVA today it is not mandatory to carry the car insurance certificate. Even so it is recommended to do so just by hiring the policy for at least 48 hours, the time it may take to enter the policy into the file.
In any case, every fined driver has 10 days to prove that he has the insurance in order. For this, you will have to go to the Provincial Traffic Headquarters with the receipt of the policy.
