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Got a ticket for lack of insurance? It’s not the only one of your problems

If you were sanctioned with a fine for lack of insurance, prepare yourself because the blow is bigger: know that other consequences may still suffer.

Any driver knows – because it is one of the first things you learn at driving school – that all cars on Portuguese roads must be covered by car insurance – otherwise the owners are penalized with a fine for lack of insurance.

The fine, however, is not merely financial, that is, money is not the only thing you will have to worry about if you drive a car that is driving illegally. Know what the law says and what consequences to expect if you are caught at fault by the police.

How much is the fine for lack of insurance?

This is, of course, the most common and most urgent question. If you are caught driving a car that is not covered by car insurance, you incur a serious fine ranges from 500 to 2500 euros. But, as we told you, there are more “punishments” planned.

What other consequences are there besides the fine for lack of insurance?

If you are caught driving an illegal car, in addition to being fined for lack of insurance, is without the car – is that, without insurance, the vehicle cannot travel on Portuguese roads, not even to return home. So if you are caught driving without insurance, you will have to call a taxi, as the police will impound your car on the spot.

In addition to the fine and the immediate seizure of the car, the points on the letter must be counted. In the recently implemented scoring system, the serious offense of driving without insurance leads to the loss of two points on your driving license.

Without points, without a car and with a fine to pay, it seems that there is little to get worse…but there is still: the authorities can also determine that is prevented from driving for a period that can go from a month to a year.

What happens if an uninsured driver hits my car?

This is the easiest position you can be in in an accident where one of those involved is not insured: the injured party. As an injured person, you have to call the police and can appeal to the Automobile Guarantee Fund (FGA), which will pay you the compensation that should be the other driver’s insurance to pay. In short, you never lose out.

What if I’m not guilty, but I also don’t have insurance?

If you are not to blame for the accident, but you also don’t have insurance up to date, you can prepare to pay the fine for lack of insurance, because the other driver will have to call the police to set things right. In addition to the fine, you may also suffer all the consequences listed above.

What if I don’t have insurance and am at fault for the accident?

This is the position you really don’t want to be in. Driving without insurance is illegal, and causing an accident while driving without insurance is a bad way to start a conversation with the authorities.

If you are to blame for the accident, you will pay the fine for lack of insurance, lose your car and be subject to a process for the execution of the Automobile Guarantee Fund – which will pay the damages due to the injured, but then go after you. to try to get the money back. Accounts made, is responsible for paying the damages of all injured parties and still bears a fine.

The scenario, which is already negative, can get even worse: if the accident results in serious injuries or deaths, there is room for legal liability proceedings. Among other things, you could be accused of driving without insurance, negligence and grievous bodily harm (or even murder), and it will take some effort to escape a effective prison sentence.

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