What are the risks of not having liability insurance?
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How to avoid a penalty for non-eligibility in OC insurance?
In fact, the insurance guarantee fund and the fine for lack of liability insurance are a river. Whatever it is, there is actually a lot of information going around about it. Many of them are false information. It is worth getting acquainted with those from reliable sources. It will not be unusual if we say that the best way to avoid financial liability for a break in TPL insurance is to ensure that the policy itself expires and is automatically renewed. The policy is updated automatically, but not in all cases.
The policy is not renewed if:
- we have a policy from the previous owner of the car,
- we have not paid in full for current OC insurance.
Drivers do not really fulfill their duties for various reasons. Sometimes there are even 200 XNUMX cases of drivers without OSAGO per year. We must admit that this figure is shocking. Remember that it is always the owner of the car who is responsible for taking out a liability insurance policy. It is he who will be called upon to pay the fine. However, it is worth mentioning here that if the driver of an uninsured car causes an accident or collision, he will be liable for damage on an equal basis with the owner.
How do I appeal a claim for payment?
When we just received a call from the UFG (Insurance Guarantee Fund), we have thirty days to respond to the letter. When we accept the imposed fine, because we really did not fulfill the insurance obligation, we have no choice but to pay the fee according to the document sent.
However, if we believe that we have been erroneously charged with a fine, we can write a corresponding appeal. We must prove that you actually had an OC policy and also document your OC. Without this, any of our explanations will not be taken into account at all.
If we do not provide an answer within thirty days, remember that the case will automatically be transferred to the administration for enforcement proceedings. The fee will be collected by the tax office, which is subject to the owner of the car.
It's really not worth it to get involved in this situation. Third party liability insurance is not that expensive compared to other fees we incur when we own a car. How much does such insurance cost? At this link you will find valuable information https://www.ubezpieczeniaonline.pl/komunikacyjne/a/ile-kosztuje-i-jak-kupic-ubezpieczenie-oc-na-samochod-ciezarowy/523.html. Remember that each person regulates a different amount because the premium includes all the discounts the driver has and a ton of other factors.
