Fine for Driving without insurance.

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.

  1. For offline:
    • You may visit the nearest traffic police station in your area.
    • Inquire about the amount of the pending fine you must pay.
    • You're free once you've paid your debts.

  2. For online use:
    • You can go to the website of the state's transportation department.
    • Locate a section for e-challan or traffic violation payment. Once you've found the link, click on it.
    • Enter the car number, challan number, or any other facts relevant to the infraction, followed by the captcha code.
    • Make your payment using a debit or credit card. You may also pay the fine online with Paytm.
    • After that, you will receive a message confirming receipt.

    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:

  • In your car, keep a hard copy of all important documents, such as your license, Registration Certificate (RC), and Pollution Under Control (PUC) Certificate .
  • Keep a soft copy of all of these papers on your mobile device as well.
  • To avoid fines, make sure you renew your insurance coverage on time.
  • Before you hit the road, be sure you have insurance for each car. A third-party liability coverage is required because the amount of liability involved in vehicle accidents that injure others attracts a large payment.

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