Driving Without Car Insurance In India Fines And Penalties

Driving Without Car Insurance In India: Fines And Penalties

Your moral obligation as a driver on the road is to exercise caution and follow the traffic laws. It is about saving your life and the lives of others. You could hurt someone or damage their property if you don’t drive recklessly. Your car insurance policy will provide some assistance in such circumstances.*

A motor insurance policy is a type of security that covers losses incurred by you or other people who are injured in an accident. Due to increased liability accident cases, the Indian government has made third-party car insurance coverage mandatory.

Is It Against The Law To Drive Without Insurance?

According to the 2019 Motor Vehicle Act, operating a vehicle without insurance is prohibited. All motor vehicles must have third-party liability insurance to drive on Indian roads. 

What Is The Penalty For Operating A Vehicle Without Insurance?

Driving without car insurance for the first time carries a Rs. 2,000 fine and a maximum 3-month sentence in jail. If you continue to operate a vehicle without insurance after committing the same offence twice, you must pay a fine of Rs. 4,000. 

Does The Penalty Apply To All Kinds Of Vehicles?

Yes, all types of vehicles, including two-wheelers, four-wheelers, and commercial vehicles, are subject to the same fine for operating without an insurance policy.

What Happens After You’ve Been Caught?

What will happen if a traffic officer pulls you over for operating a vehicle without insurance?

You must stop your car by the side of the road or close to the traffic cops’ station and present your driver’s license and the vehicle’s registration certificate to the officer. You won’t be charged with any other offence if you can produce these documents. The officer will immediately issue you a challan for operating a vehicle without four-wheeler insurance coverage. This challan can be paid offline or online.

For Online

Visit the state’s transportation department website to access information online. Look for a section where you can pay for traffic tickets or e-challans. Once you’ve found the link, click on it. After entering the required information regarding the infraction, such as the vehicle identification number or challan number, enter the captcha code. You won’t be able to operate your car fearlessly after that. The next time you are caught, the fine will be higher if you don’t pay.

For Offline

You can go to the local traffic police station closest to you. Find out how much of a fine is still owed to you. You are released after paying the fine.

Advice On How To Avoid Being Fined

  • Keep a hard copy of every important document in your car, including your license, registration card, and pollution certificate.
  • Keep a soft copy of every one of these documents on your mobile device as well.
  • To avoid fines, renew your comprehensive car insurance policy on time.
  • Before driving, purchase an insurance policy for each vehicle. A third-party liability policy is required because the liability involved in traffic accidents causing injuries to others attracts a significant payment.

* Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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