A Motor Insurance Policy is a type of security that covers for damages incurred by you or third-party victims of an accident. Given the surge in liability accident lawsuits, the Indian government has made third-party coverage essential.
Is it a crime to drive without insurance?
According to the Motor Vehicle Act of 2019 , it is prohibited to drive without insurance. Third-Party Liability Insurance is now required by the Government of India for all motor vehicles to drive lawfully on the road.
What is the penalty for driving without insurance?
According to the new Motor Vehicle Act 2019, the first offence of driving without insurance policy is punishable by a fine of Rs 2,000/- and/or imprisonment for up to three months. Previously, the appropriate fine was Rs 1,000/- and/or imprisonment for up to three months.
If you continue to operate a car without insurance for the second time, you will be fined Rs 4,000 and/or imprisoned for up to three months.
Is the fine the same for all vehicles?
Yes, the penalties for driving without insurance is the same for all vehicles, including two-wheelers, four-wheelers, and commercial vehicles.
What is the process once you are caught?
If a traffic police stops you for driving without insurance, you will face the following penalties:
You must pull over to the side of the road or near a traffic officer's booth.
The officer will request that you provide the vehicle's registration certificate as well as your driver's licenses. If you can provide these documents, you will not be charged with any other crime.
The police will instantly give you a challan for driving without insurance. You can pay this challan either offline or online.
Only then will you be able to drive your automobile without worry in the future. If you do not pay, you may face a greater fine the next time you are caught.
Tips for avoiding a fine for driving without insurance
You prevent incurring large penalties, make sure to follow these guidelines:
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