What are the penalties for driving without valid four-wheeler insurance?

Every person becomes happy and overjoyed upon seeing the new car, testing its features, and taking it on a long drive. They spend a lot of money on buying new car accessories like a music system, LCD screen, classy seat covers, etc., to make the car look attractive and distinct from the rest. A car is always dear to every owner as it has taken them lots of wealth and effort to buy and maintain its condition. It is painful to shell money as a penalty for not following the traffic rules.

Buying four-wheeler insurance is mandatory, according to the Motor Vehicles Act, 1988. All those who own a car must have it to be eligible to drive in India. Buying accessories is not as necessary as an insurance policy. People must buy the insurance policy as soon as they get the delivery of their car. Driving without valid insurance is penalised in India. It is safer to own one as it can help the driver escape many unpleasant circumstances which include accidental injuries, death, damage to third party property or individual, and so on. Following are the penalties to pay for not owning a valid driving insurance policy:

Cancellation/suspension of driving licence: Road traffic authorities have the right to suspend or even cancel the driver’s driving licence if they fail to produce the car documents at the time of inspection. They can ask the driver to surrender the licence or cancel it altogether, depending upon the severity of the incident. They can also suspend the driver’s car registration documents which means the owner cannot drive until the suspension does not lift.

Invitation of legal troubles: Driving without valid 4-wheeler insurance can land the owner into legal problems as well. They must pay up to INR 10,000 or more as a penalty and serve a prison sentence of three months. All this driving negligence could spoil the record of the individual.

Increase in financial troubles: If a person drives without a license and an insurance policy, they could face lots of financial hurdles. Firstly, the insurance providers will not offer another insurance to the person ever, along with the payment of high insurance premiums for a standard policy. Secondly, they must pay for all the expenses in case of a third-party accident or individual damage. Thirdly, they will also have to pay for the legal proceedings of the case.

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Created on Sep 21st 2020 10:42. Viewed 365 times.

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