Monday, January 7, 2013

Accident or claim against uninsured vehicle



According to the Insurance Compensation Consortium and the DGT, is estimated at more than one million vehicles that currently circulate on our roads without car insurance. In 2002 saw the highest number of uninsured vehicles with about 2.66 million.In 1962 the insurance of motor vehicles became mandatory, due to the increase of Spanish fleet, in order to meet a growing need felt socially, protect victims of acts of circulation, ensuring health care and compensation up to the limit was established, run by the insurer of the vehicle causing. The obligation to ensure the vehicle is imposed in Article 2 of the Regulation on Liability and Insurance on Motor Vehicle Traffic (Royal Decree 8/2004). With mandatory coverage is intended that all responsible for a car accident can cope, through insurance, its obligation to repair the damage.Circular with a vehicle without insurance can lead to severe penalties and consequences
On the one hand economic sanctions, for tourism, driving a vehicle whose permission is required for the class B would sanction € 1500, while for a bike for € 1,250 and any vehicle that requires a permit C1, C1 + E, C, C + E, D1, D1 + E, D or D + E, 2,600 €.On the other hand, if, within 20 calendar days will not be credited to the Traffic Department compulsory insurance of the vehicle, the officers ordered the vehicle tank, having to take care of the costs incurred in this subject, in addition of the corresponding fine. There is a 50% reduction in the amount of the fine, if any payment of the penalty within 20 calendar days from the day following receipt of notification of the penalty.But what if we are involved in an accident with a vehicle that is not insured? Are we helpless?Who should pay compensation when the vehicle is uninsured otherwise?
Under existing law the Insurance Compensation Consortium is responsible for the damage to persons or property by Spanish registered vehicles moving without insurance.How do I proceed?In case you suffer a casualty or accident at a vehicle without insurance, it is important to consider and follow these tips:

    
Record data make, model and license plate number otherwise. So, if he leaves the scene of the accident without leaving your data, you can identify later.
    

Tell the police to conduct the crowded.
   

 While waiting for the police, it takes all possible data on the part friendly especially the owner complete data listed in the vehicle documents (certificate) and if different driver.
    
Record details of the accident witnesses if any. May testify about what happened if necessary and identify with the vehicle registration charge uninsured.
   

 Communicate the incident within seven days to your insurer. They will be responsible for handling the compensation due to the Consortium if applicable.If there is injury, who is responsible for medical expenses?
The Insurance Compensation Consortium shall assume all healthcare expenses necessary to the healing and consolidation of the aftermath and the compensation and property damage coverage for the vehicle.What about the responsibility of the vehicle without insurance?If the vehicle is declared responsible uninsured casualty or accident happened, the Insurance Compensation Consortium may require reimbursement of all expenses and damages incurred.

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