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.

Why no insurer wants to make sure?

Whether in the case of a newly purchased car or cancellation, these are the words that nobody wants to hear your insurer: "your insurance application has been rejected," or "your policy has been canceled." Find that the insurance company does not ensure or has decided to cancel the auto policy is not the most common, but it is extraordinary.

Moreover, under Spanish law, effective in early 2008, all vehicles, including second hand, must have car insurance minimum coverage which is mandatory liability. Circular without it can mean sanctions ranging from 601 euros to 3,005 euros.In the activity of insurance companies that do nothing but take the risk to charge a premium to the consideration of that may have to deal with compensation claims.

That is, the business insurance sector is charging a premium take enough risks. An insured's typical thought is: "What a waste of money, do the insurance, which cost me, not have needed to use it throughout the year." But the company also argues thus: "In exchange for a policy of less than 300 euros and due to the accident caused by the user have to pay 3 million euros."

Determinants

The factors that make a company pigeonhole in a high-risk profile and a user rejects are two:- Type of conductor: the pattern following insurers is that younger age, the greater the risk, and also has the driving experience, as years of license. Thus, we reach a limit that makes the company reject the risk. It is the case of several insurers who reject drivers under 25 years and / or for vehicles with less than 2 years of license, or any age for that matter driving motorcycles or mopeds.

Unable to establish a fixed rule that applies to all companies, because while a limit on age and years of driving license it is 25 and two years respectively, this ratio up to other 27 and 5, for example .- Vehicle Type: A higher power / weight ratio, higher risk is assumed, so that it reaches a limit in which the company rejects the risk. This is the case style cars Ferrari, Porsche ... or other more modest as the Ford Focus ST, Renault Clio RS, the Seat Ibiza Cupra.As with the type of driver can not establish a fixed rule assuming cars "dangerous", and that while some companies can not ensure an Opel Corsa OPC, for others it is possible but prohibitively or to other normal risk is acceptable as any other vehicle.Moreover, these two risk factors need not be separated, but often analyzed as a whole, ie it is possible to secure a Citroen DS3 Sport unless the driver meets certain characteristics, for example, less than 35 years and less than 2 card.In the event that the insurer did not want to hire car insurance, we are able to recruit the required or mandatory liability insurance, which has the minimum coverage required by law. Only what we can find in the Insurance Compensation Consortium.