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Konsekwencje braku ubezpieczenia OC

Konsekwencje braku ubezpieczenia OC

W świetle polskiego prawa ważną polisę OC musi posiadać każdy zarejestrowany samochód. Ubezpieczenie OC chroni każdego kierowcę przed skutkami odpowiedzialności cywilnej. Nieposiadanie ważnej polisy OC może nieść poważne problemy finansowe posiadacza samochodu, a policja ma prawo odholować samochód na parking depozytowy.  Za brak aktualnego ubezpieczenia grozi kara pieniężna oraz w przypadku  kolizji osoba nieubezpieczona kierująca pojazdem jest zobowiązana do pokrycia kosztów szkód powstałych w mieniu bądź na osobie. W sytuacji utraty zdrowia bądź życia osoby poszkodowanej – dla nieubezpieczonego sprawcy oznacza to spłacenie kwoty do końca swojego życia, ponieważ odszkodowanie może wynosić dziesiątki, a nawet setki tysięcy złotych.

Na stronie www.ufg.pl w sekcji „opłaty karne” znajduję się tabela dotycząca wysokości kar za brak OC

Każdy odpowiedzialny właściciel samochodu nie narazi się umyślnie na takie niebezpieczeństwo. Warto jednak pamiętać, że bywają sytuacje, w których nieświadomie możemy narazić się na konsekwencje z powodu nieposiadania aktualnej polisy OC. Są to m. in sytuacje:

Automatyczne wznowienie polisy OC

Zgodnie z ustawą, towarzystwa ubezpieczeniowe mają obowiązek dokonać automatycznego wznowienia naszej obowiązkowej polisy OC, nawet gdyby przyszło nam zapomnieć o terminie końca naszej polisy. Jednak istnieją 4 przypadki, gdzie nasze ubezpieczenie OC nie wznowi się automatycznie.

  1. Zmiana właściciel pojazdu

W momencie zakupu samochodu mamy możliwość skorzystania z ubezpieczenia zbywcy do końca trwania okresu jego ochrony, dokonując przepisania polisy OC zbywcy na swoje dane. Jednak takie ubezpieczenie nie podlega automatycznemu wznowieniu. Oznacza to, że jeśli przegapimy termin końca polisy, będziemy narażeni na karę z Ubezpieczeniowego Funduszu Gwarancyjnego oraz na dodatkowe konsekwencje, gdybyśmy spowodowali w tym czasie wypadek.

  1. Składka z polisy OC nie została w całości opłacona

Ważne jest pilnowanie terminu płatności rat za ubezpieczenie. Polisa OC nie wznowi się automatycznie w momencie, kiedy składka OC nie została w całości opłacona przed upływem czasu obowiązywania ochrony.

  1. Polisa OC została wypowiedziana

W przypadku gdy polisa OC została wypowiedziana, ale nie zostało zawarte nowe ubezpieczenie OC na dalszy okres, „stare” ubezpieczenie nie wznowi się automatycznie – w takim przypadku trzeba odpowiednio wcześnie zadbać o zawarcie nowej polisy OC.

Jak uniknąć braku OC – wskazówki

Poniżej przedstawiono kilka praktycznych wskazówek, które pomogą uchronić przed brakiem ważnego ubezpieczenia OC:

  • Jeśli kupiłeś auto i korzystasz z polisy OC poprzedniego właściciela – pilnuj terminu końca polisy i odpowiednio wcześniej zacznij szukać nowego ubezpieczenia OC na kolejny rok.
  • Przy płatności ratalnej pilnuj terminów płatności składki za ubezpieczenie OC.
  • Jeżeli wypowiedziałeś polisę OC w trakcie jej trwania, zadbaj o zawarcie nowej polisy w odpowiednim terminie.
  • Skorzystaj z pomocy doradcy ubezpieczeniowego, który przypomni Ci o dobiegającym końca terminie ubezpieczenia OC, czy płatnościach rat

Mamy nadzieję, że tych kilka cennych wskazówek uchroni przed brakiem ważnego ubezpieczenia OC oraz związanych z tym konsekwencji finansowych.  Jeśli poszukujesz odpowiedniego ubezpieczenia do Twojego auta oraz chcesz mieć spokojną głowę i nie martwić się, że zapomnisz o zbliżającym się końcu ubezpieczenia OC, zapraszamy do kontaktu z naszymi doradcami – nie tylko wyszukamy najkorzystniejszą ofertę w różnych towarzystwach ubezpieczeniowych, ale także przypomnimy o zbliżającym się terminie końca ubezpieczenia czy nadchodzącej płatności raty! Sprawdź nas już dziś– zapraszamy!

 

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