What happens if the police stop you and you do not have valid MTPL insurance

Many drivers neglect RCA insurance and choose to drive with an uninsured car. This is illegal and dangerous at the same time. Here’s what happens if the police stop you and you don’t have valid RCA insurance.

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Whether it is cars registered in other states, which no longer have a valid civil liability insurance (Green Card), or they are cars registered in the country for which drivers have not paid the RCA police, there are many cars that do not have in this moment a valid car insurance. This is proven by the police checks, which discovered a record number of cars without valid MTPL insurance.

An estimate of insurers indicates an extremely high percentage of cars in the national park that do not have valid MTPL insurance – up to 25%. The hypothesis is also confirmed by the police, who last year applied a record number of sanctions for the absence of MTPL insurance – almost 13,500, most of them in history.

What happens if you do not have valid MTPL insurance

Most drivers who drive without insurance think that a fine is not a big deal if they are caught, and the probability is low, in any case. Unfortunately, these drivers do not risk just a fine, and the consequences for using a car that does not have valid MTPL insurance can be serious.

If you are involved in an accident or stopped by the police for a routine check, the lack of MTPL insurance will take out of your pocket a fine between 1,000 lei and 2,000 lei. This sanction is provided for in Article 37, paragraph 9 of Law 132/2017 on car insurance. According to this article, the police “will decide to withhold the vehicle registration / registration certificate until the presentation of the insurance conclusion document”.

If the MTPL insurance has expired for more than three months, the police may order the suspension of the car’s registration. In this case, if the driver does not present proof of the conclusion of an RCA policy within 30 days from the date of finding, the vehicle may be deregistered. In addition, the authorities may decide to confiscate the car if it is stored in the public domain, being considered abandoned property.

How much can you pay if you have an accident with your uninsured car

Another not inconsiderable risk is to cause an accident with an uninsured car. In this case you will have to pay out of pocket for the damage caused. In the case of an expensive car, or an accident resulting in casualties, the amount of damage can rise sharply even to hundreds of thousands of euros. In addition, if you destroy elements of the public road, you will have to compensate the road company for their value.

All these costs would have been covered by the RCA policy, if they had existed at the time of the accident. The injured parties have the opportunity to sue the guilty driver for damages. We are not talking here only about repairs, which have predictable costs, but also about moral damages and other related damages, which can raise the value of the compensations to figures impossible for any person with normal income to pay.

We are talking about millions of euros, amounts usually demanded as relatives’ damages in the case of people who died in road accidents. All this will have to be paid by the guilty driver if he does not have a valid RCA policy.

Source: Promotor by www.promotor.ro.

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