Not Paying Car Insurance

In everyday life it is necessary to have insurance against accidents, whether minor or serious. At least damage to third parties, because he not paying car insurance It can lead to millionaire debts in the event of an accident.

In different countries, norms and obligations have been established so that the population is obliged to acquire insurance that covers accidents and this insurance must be kept up to date.

An institution called AMIS (Mexican Association of Insurance Institutions), has declared by its spokesmen that in Mexico cars are only 30% They have mandatory vehicle insurance, which makes it clear that the safety of the inhabitants in the event of vehicular altercations is not found. current.

New vehicles usually come with insurance included, but these insurances are not valid when the vehicle is purchased. second-hand or by private means, which makes it necessary for a person to acquire it through any of the multiple insurers.

Currently the fines for not having insurance range between: $ 1400 to 2800, in relation to private vehicles while the fine for Public transport and cargo vehicles will amount to between: $ 4,206 to $ 5,208 pesos, and in both cases it may be subject to being sent to corralones.

In Mexico City and the metropolitan area, the culture of the motorist has been gradually acquired, but there are still many people who fit consciously or unconsciously they do not pay or buy their insurance, becoming creditors of some of the penalties, which are aggravated in case of accident:

1. Examination of skills as a driver.
2. Simple fine, in the event that there is no serious damage.
3. Temporary suspension of the right to vehicle circulation as a driver.
4. Loss of driving license temporarily.
5. Loss of driving license permanently.
6. Payment of damages in the event of serious damage.
7. Aggravation of the penalty in case of criminal proceeding for intentional homicide
8. Extra fine in case of wrongful death.

Example of penalty for not paying car insurance:

Example 1.- Damage to someone else's property:

Damage to property of others due to impact in the home without injury. Not having insurance, he has to pay the fine of 2,800, in addition he lost several points on his driver's license, he paid the damages out of his own pocket.

Example 2.- Wrongful death:

Loss of license, payment of funeral expenses, payment of a fine greater than 2800, payment of process for irreparable damage and disclaimer.

Example 3.- Injuries:

Payment of physical damages, loss of license and payment of the fine for not having vehicle insurance.

Example 4.- Failure to pay:

For the lack of payment of the automobile insurance, and being discovered by the authorities, the corresponding fine of the minimum is charged, varying depending on the criteria of the Judge who resolves it.

In this case, he is charged the maximum amount of the fine and goes to preventive arrest.