What do you risk in the event of a car insurance default?

Auto insurance prices too high, difficulty for risky profiles to insure themselves?

Certain criteria lead many drivers to drive without

.

Nevertheless, choosing default auto insurance is risky.

Indeed, you incur criminal and pecuniary sanctions, particularly in the event of a responsible accident.

To avoid such a situation, what are the solutions to

while benefiting from good protection?

I find car insurance

Can you drive without auto insurance?

French law requires all holders of a land motor vehicle to have an auto insurance contract.

And this, even if the machine is not rolling.

This obligation consists in protecting the vehicle from material and bodily damage, suffered or caused.

Here is a non-exhaustive list of vehicles affected by the

obligation :

• Car

• Car without a license

• Utility

• 2 and 3 wheel machine

• Quads

• Mini-motorcycle

• Tractor mower

What are the fines for driving without car insurance?

In the event of lack of insurance, article L324-2 of the Highway Code recognizes that driving without insurance is an offence.

From there, the culprit is liable to

.

If the driver repeats the offense, the penalties increase:

• pecuniary fine of 7500 euros;

• withdrawal or cancellation of driver's license;

• confiscation of the vehicle;

• Compulsory course to raise awareness of Road Safety rules.

Good to know: the law of November 18, 2016 implemented in April 2017 provides for a fixed fine of 500 euros applicable as soon as the lack of insurance is observed by the police.

This device follows the law of modernization of justice (J21) which aims to unclog the French courts.

Not being insured means not being protected in the event of a claim

If

, it is in order to protect the driver of the vehicle and the potential victims in the event of an accident or an auto disaster.

Indeed, the minimum car formula includes Civil Liability.

This guarantee makes it possible to compensate third parties in the event of a responsible accident.

In the absence of car insurance, it is the FGAO (guarantee fund for compulsory damage insurance) which covers the costs incurred.

However, in the event of an at-fault accident with no insurance,

.

Compare to find the most affordable car insurance

It is conceivable that the choice of auto insurance is complicated by the many offers and companies.

So, to help you in your decision, there are solutions:

• online car insurance comparators

  :

  after analyzing different criteria, they provide you with the details of several insurers (price, guarantee, option, after-sales service, etc.);

• insurance brokers: they show you the car insurance best suited to your profile;

• personalized quotes: today, you have easy access to 100% online and 100% free quotes;

• appointments with a customer adviser: each company has an advice service (online, telephone or face-to-face).

>> SERVICE: I compare car insurance online

How to find the cheapest car insurance?

All insurance companies offer different formulas with more or less complete levels of coverage.

The third-party car insurance formula is the least expensive, but also the least protective.

It provides you with civil liability coverage.

There are also options which supplement this formula in order to reinforce your level of cover (glass breakage guarantee, theft and fire guarantee, etc.).

In any case, to

, you must compare the different offers.

To do this, easily make 100% free quotes online and adapt your car insurance to your driver profile.