In this country, auto insurance is an obligation, a prerequisite to be able to drive in compliance with the law. However, there are many who, for financial reasons or for lack of information, are not properly insured. However, this constitutes a significant risk, both personally and legally. In fact, insurers have created several types of cover, in accordance with legislation, to meet the needs of drivers. So, let’s review all the terms of auto insurance together so that you can drive legally and safely.

What Is Auto Insurance?

In this country or elsewhere, car insurance is an obligation in order to be able to drive a car legally. Indeed, it has been a compulsory approach since 1958 in this country. For any driver who wishes to drive on this territory, taking out car insurance is an obligation of the utmost importance. The main purpose and purpose of this insurance is to provide for any compensation for damage which may be caused by a third party, by passengers or by the driver himself. In addition, it covers the costs incurred in the event of personal injury. This is the main reason why you must, in turn, take out car insurance. For that, taking the best SR22 insurance bond is essential.

In the event of an accident, the costs of hospital care are covered by insurance. Add to this the fact that material damage caused by other vehicles, but also on real estate can be covered. You should also know that driving without insurance is an offense punishable by law. This can result in a fine, license withdrawal, or even impoundment of the uninsured vehicle.

Is Auto Insurance Compulsory For A Non-Rolling Vehicle?

Indeed, it does not matter that you do not use your car, even unused; it is likely to cause an accident. Another example: if the brakes of your vehicle parked on a slope were released. This could cause material or human accident.

If you are sure that you will not be using your vehicle, you can however take an “out of circulation” insurance contract. It is cheaper than the minimum of third party insurance, but be careful, the use of your vehicle under this insurance scheme may result in sanctions. If you really do not want to insure your vehicle, a more drastic solution is to ensure that the said vehicle is “completely unable to drive”. You will have to remove the wheels, the fuel, and the battery.

Auto Insurance For Professional Vehicles

As with traditional car insurance, professional vehicles must be insured at least by a civil liability guarantee. In the event of damage caused to a third person, whether material or bodily, the insurance will thus compensate the victims.

Other optional guarantees make it possible to compensate companies. It is up to you to adapt these guarantees according to your needs. Thus, if you transport equipment (computers, medical equipment, valuable products, etc.), it would be advantageous, for example, to take out a guarantee covering the objects transported. For a company, it is also recommended to take out a driver’s warranty to protect its employees when they drive.

Auto And Vehicle Insurance Without A License

Cars without a license (VSP) are no exception, they must be insured. All drivers of this type of vehicle must in fact adhere to an adequate contract to drive in accordance with the law. No specific contract for driving a VSP is offered. As for the other vehicles, the legislation imposes the subscription to the legal minimum of the civil responsibility guarantee, by means of the insurance to the third. Again, using an insurance comparator allows you to distinguish contracts and find the one that best suits your profile, your needs and your budget.

What Happens If I Drive Without Insurance?

Driving without auto insurance is a crime. Drivers in this situation are liable to severe legal penalties in the event of a disaster. The fine for lack of insurance is 500 dollars but can be much higher if your case is dealt with in court: from 3,750 dollars to 7,500 dollars, in the event of a repeat offense.

In addition to financial sanctions, other measures can be taken against you , such as a license suspension or cancellation, or even a total ban on driving but also a penalty for community service or the confiscation of the vehicle.

In the event of an accident, the victims of the driver without insurance will be compensated by the Compulsory Insurance Guarantee Fund. On the other hand, the person responsible for the uninsured accident will not be compensated for his injuries or material damage and will have to reimburse the FGAO for all of the sums incurred. Finally, if the license has been withdrawn, the driver concerned will be entered in the terminated register, visible to all insurers. It is therefore difficult to find insurance.

What If No Insurance Company Wants To Insure Me?

Even though auto insurance is a legal requirement, some insurers may be reluctant to insure a customer. If the latter is in possession of a foreign license, or if he has, for example, had a license withdrawal in the past, insurance companies may indeed consider that the driver in question represents too great a risk to take into account loads his file.

So, if you find yourself in such a situation, know that you can appeal to the Central Pricing Office (BTC). He will intervene with the insurer of your choice and negotiate a car contract for you. To benefit from the help of the BTC, you must, however, respect certain conditions:

• Have already suffered 2 refusals from insurers.
• Enter the BTC within 15 days of the 2nd refusal.
• Make your request by registered mail.
• Attach a copy of the previous insurance refusal letters
• Attach a termination letter from your former insurer.
• Attach a copy of the proposal questionnaire sent to the insurers.
• Choose the insurance company with which the BTC will negotiate.

Once your mail has been sent in due form and received by the BTC, the latter will contact the insurance of your choice and negotiate your contract. The Central Pricing Office negotiates your new auto insurance contract from start to finish, including its rate, over which you have no control.

How Much Does SR-22 Auto Insurance Cost?

It depends on your driver profile (age, age of license, the existence of claims), the type of car in your possession (mileage, parking mode, the use made of it), but also the guarantees you need (glass breakage, natural disasters, legal assistance, etc.).

To give you an idea, we have produced, using this comparator, a price list of car insurance with different insurers. The insured chosen for this comparison has been in possession of a driving license for more than 3 years, without claims to their credit.