Without Insurance Fine: Driving Car/Bike Without Insurance Challan Under New MV Act
There may be an instance where you end up breaking the traffic rules and regulations like driving a vehicle without an insurance policy. The Government has made Third-Party Liability Insurance compulsory for all motor vehicles in India in order to drive on public roads. Thus, It is crucial to abide by this traffic rule. However, in case you have violated it, you are likely to face consequences such as the issuance of challan and/or imprisonment for up to 3 months. You can submit the challan for driving without insurance either offline or online. Get complete details about the challan you need to pay under New Motor Vehicle Act for driving without insurance.
What is Without Insurance Fine?
According to the Motor Vehicle Act, driving a vehicle without an insurance policy is a serious traffic violation and hence illegal in India. Lately, the Motor Vehicle Act of 1988 has been amended as a result of which the traffic fines have been increased. Driving without insurance can now attract a fine of up to Rs 2000 for a first-time offence, which was earlier only Rs 1000. If you are found repeating this same offence twice, you are supposed to pay Rs 4000 for a second-time offence.
However, the penalty may vary from one state to another. In some states, driving without insurance can also draw a punishment of up to three months imprisonment along with the challan.
Driving With No Insurance Fine in Different States
The penalty for driving a vehicle without an insurance copy was Rs 1000 however, with the amendment in the Motor Vehicles Act, the challan for this traffic violation has been increased. The challan rates vary from one state to another and the table below illustrates the fines for some of the states:
| States | Traffic Fine (Rs) |
|---|---|
| Uttrakhand | 1000-2000 |
| Haryana | 2000-4000 |
| Bihar | 2000-4000 |
| Assam | 2000-4000 |
| Delhi | 2000-4000 |
| Punjab | 2000-4000 |
| Karnataka | 1000-4000 |
| Uttar Pradesh | 2000-4000 |
Repercussions of Not Having Insurance for Your Bike or Car
According to the Motor Vehicle Act, it is illegal to drive a vehicle without motor insurance. In case a person is found driving a vehicle without an insurance policy, he/she is likely to face the below-mentioned repercussions:
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Penalties/Fines
In case you do not have a motor insurance policy and are caught driving without it, you are supposed to pay hefty fines and/or imprisonment for up to 3 months.
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Third-party insurance claims
If you caused an accident and did not have motor insurance, you are not eligible for third party claims and are liable to pay compensation to the third party or else a case can be filed against you.
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Financial burden and stress
Your financial stability and health is at risk without insurance especially in a situation where you are supposed to pay the compensation to the other party. For instance, if you caused the accident and the other person is hospitalized, you need to bear the complete medical expenditures.
Tips to Avoid Challan for Not Having an Insurance Policy
A person while driving a vehicle should act responsibly and should follow all the traffic rules and regulations set up according to the Motor Vehicle Act. Traffic violations can be avoided and here are some tips to avoid the fines:
- Carry all the important vehicle documents including the insurance copy
- Store to soft copy of the documents as well
- Carry the renewed copy of insurance documents
- Purchase the insurance as soon as you buy the vehicle