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Ubezpieczenie pojazdu – surowe kary za brak OC

Ubezpieczenie pojazdu - surowe kary za brak OC

Z roku na rok minimalna płaca w naszym kraju wzrasta. I choć jest to złudne, gdyż panuje inflacja banknotu, tak w 2022r. ma być to wzrost do 3000 zł / brutto. Podobnie jak z ubezpieczeniem pojazdu, które jest wyliczane na podstawie najniższej krajowej pensji. Jak się jednak okazuje, kary za brak ważnego ubezpieczenia OC nie są wcale rzadkością. Kwestia przegapienia terminu wznowienia polisy ubezpieczeniowej po świeżo zakupionym pojeździe. Są też tacy, co z pełną świadomością jeżdżą bez polisy. W dzisiejszym artykule dowiesz się, jakie kary mogą zostać nałożone za brak OC.

Ubezpieczenie pojazdu – o czym warto wiedzieć

Na drogach możemy spotkać masę młodych kierowców. Nie bez powodu panuje ożywienie na kupno tanich, starych aut. Jak przecież wiadomo, kierowcę weryfikują jego umiejętności dopiero po otrzymaniu prawa jazdy. Rzadko kto zdecyduje się na kupno pojazdu powyżej 30 tyś. będąc zaledwie po 30 godzinach jazdy z instruktorem. Jest to bardzo rozsądne i nikogo nie powinno to dziwić.

Przy kupnie nowego pojazdu warto wiedzieć, że poza formalnościami związanymi z zarejestrowanie pojazdu, należy także zadbać o ubezpieczenie. Przedłużenie polisy jest niebywale ważne, gdyż wznawia się jedynie wtedy, gdy pojazd należy do tego samego właściciela. W przypadku, kiedy dojdzie do sprzedania pojazdu, o wznowienie OC musi zadbać nowy nabywca.

Kary za niewykupienie polisy ubezpieczeniowej

W przypadku gdy nowy właściciel nie zdecyduje się na wykupienie polisy ubezpieczeniowej, otrzyma on powiadomienie od UFG o nałożeniu opłaty karnej. Co więcej, wielkość kary jest uzależniona od najniższej krajowej pensji danego roku kalendarzowego, ale nie tylko. Na cenę wpływa również czas przerwy od wykupienia OC.

Mandat w 2021 r. w przypadku samochodu osobowego, kara wynosiła do 5600 zł. W 2022 r. kara będzie wynosić 6000 zł, czyli o 400 zł więcej względem poprzedniego roku. Wartość kary zależy od ilości dni od skończenia się polisy OC.

  1. 1-3 dni wartość kary będzie wynosiła 20% pełnej wartości kary, czyli 1200 zł.
  2. 4-14 dni kara będzie wynosić 50% pełnej wartości, czyli 3000 zł.
  3. Powyżej 15 dni, kara będzie wynosić 6000 zł.

W naszym serwisie jest masa kierowców zawodowych, dlatego warto wspomnieć, że w przypadku aut ciężarowych, ciągników czy autobusów, kara będzie wynosić trzykrotność pensji minimalnej, czyli 9000 zł. W 2021r. Kara ta wynosi 8400 zł.

UFG może odstąpić od nałożenia kary finansowej tylko w szczególnych przypadkach. Dotyczy to osób, które znajdują się w trudnej sytuacji życiowej, osób z chorobami przewlekłymi, a także osób bezrobotnych.

Ubezpieczenie pojazdu – Co w przypadku jeśli świadomie nie wykupiłem OC.

Niektóre osoby decydują się na jazdę pojazdem bez ubezpieczenia, gdyż jak sami twierdzą, jeżdżą oni bezbłędnie, a kupowanie OC to tylko wyrzucenie pieniędzy w błoto. Każdy wolałby w ciągu roku zaoszczędzić kilkaset złotych, jednak jest to wymóg, który nie podlega żadnej dyskusji. Osoba, która świadomie łamie prawo licząc, że uda mu się zaoszczędzić gotówkę jest w ogromnym błędzie. UFG ma swoje metody kontrolowania kierowców, dzięki czemu dokładnie sprawdzą, ile dni minęło od wykupienia polisy. Te metody pozwalają dotrzeć do każdego kierowcy stosującego te praktyki, w związku z czym kary sypią się dosyć często.

Zachęcamy do zapoznania się z innymi naszymi artykułami!

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