The Effects Of Motoring Offences On Car Insurance

Car Insurace

Car insurance is a liability for bringing your vehicle on the road and any vehicle that hits the streets or found parked in a public place without an insurance policy covering for it is in serious jeopardy. Driving a car without insurance is considered a motor offence. Regardless of whether you are driving your own car or a borrowed vehicle its insurance is the driver’s responsibility.

It is crucial for the drivers to abstain from getting into vehicles whose insurance is debatable or you might at end knocking at the door of a motor offence solicitor. At the very least your car must at least come with a third-party insurance. In the end driving without insurance will be treated as an offence and the offender could be charged with severe penalties.

However, car insurance can be a tricky affair at times, and driving without insurance is not the only offence that drivers that can make. Motor offences are of numerous types and in case of committing them penalties could be hard to avoid. If one finds himself unfortunate enough to get entangled in some such offence it might be best to consult a motor-offence solicitor.

Most motor offence solicitor options have expertise to haul you out of the quagmire of serious motor charges. These include, over speeding, failure to produce a driver’s license or documents pertaining to your vehicle, driving with high alcohol consumption, reckless driving, trespassing at the signal and driving without insurance. Each crime comes with its own set of penalties. Motor-offence solicitors are thoroughly read in these areas and can give sound and timely advice to face charges.

In case of illegally driving without insurance it is best to seek legal help from expert moto-solicitors as soon as possible. For the most part, it can be extremely difficult to avoid penalty once a charge of driving without insurance has been launched, this is because this does not involve much technicality. There are only two possibilities, either an insurance policy is in place or it is not. Moreover, lending your vehicle to a driver who does not possess coverage under your insurance policy is also treated as a violation.

These are deemed as serious offences and could secure you a hefty penalty in case you fail to defend yourself sufficiently. Section 143 of the Road Traffic Act passed in 1998 covers the terms of this offence. Fines for driving without insurance can vary from circumstance to circumstance (previous record, car-ownership, involvement in an accident, intentional withholding of information being some of the main determining factors that can exacerbate punishment) with £5,000 as the maximum penalty payment.

This may also be compounded with a temporary disqualification or a grant of six to eight penalty points. A motoring offence solicitor, being fully aware of the legal process, including which violation of rules and regulations involving insurance is prone to, are in the best situation to guide you around the complicated mesh of legal issues and help you in sustaining a friendly policy.