Without Insurance Fine in Chandigarh

A without insurance fine in Chandigarh refers to a situation in which a vehicle owner is driving their vehicle without an adequate motor insurance policy. A third-party motor insurance policy is mandatory as per Section 146 of the Motor Vehicles Act, 2019.

If a vehicle owner does not have a valid third-party car and bike insurance policy, then this is a violation of traffic law, and they need to pay a penalty as per Section 196.

The penalty for driving without insurance in Chandigarh is ₹2000 for first-time offences and ₹4000 for repeated offences.

The road and transport authority of Chandigarh enforces penalties for not complying with insurance coverage while driving. Furthermore, four and two-wheeler insurance also protects vehicles against various damages.

Protection Against Third-Party Liability

One of the reasons why four and two-wheeler insurance is important is that it offers protection against third-party or property damage.

An insurance policy will cover for the damage caused to third parties or property caused by an insured vehicle.

Financial Coverage Against Theft

Another reason to buy car and bike insurance policies is that they provide financial coverage against vehicle theft or total loss.

Many motor insurance plans offer theft protection for vehicles, given the large number of vehicle theft cases.

Protection from Legal Fines

Driving without a basic motor insurance policy is a violation of traffic law. Those who are found driving without insurance need to pay a without insurance fine for a car in Chandigarh, which is ₹2000 for the first offence and ₹4000 for repeated offences. Having insurance will protect you from legal fines.

Personal Accident Cover

Another reason to purchase a motor insurance policy is to come up with personal accident cover protection.

Under this, policyholders will get financial coverage in case of accidental death or injuries during the accidents.The personal accident coverage amount may vary from insurance provider to provider.

Cashless Repair Facility

In case of an accident when the vehicle is badly damaged and needs repair service, having a motor insurance plan will be a great help.

Comprehensive car or bike insurance policies allow vehicle owners to repair their network garages without paying anything.

-Legal Liabilities

If you are involved in an accident and do not have motor insurance, the consequences can be severe. You will be personally liable for compensating the victims for any damage or injury caused.

This includes property damage, third-party bodily injuries and even fatalities. The financial burden for this can be overwhelming.

-Financial Consequences

Another consequence of driving without an adequate car or bike insurance policy is to bear the additional financial expenses in case of an accident.

Without motor insurance, you are responsible for paying medical costs, vehicle damages costs, etc., out of pocket.

-Fines and Penalties

If you are found driving without a motor insurance policy on Chandigarh Road, you will be fined heftily by the authorities. Driving without insurance is a violation of traffic laws that attracts a penalty.

Failure to pay an insurance fine will attract additional penalties and legal action from the authorities.

-Higher Premiums

Driving without insurance can lead to significantly higher premiums when you seek coverage in the future.

Insurance providers view it as a risk factor, indicating irresponsible behaviour, which often results in increased rates or refusal to provide coverage altogether.

If you are found to be driving without insurance in Chandigarh, you need to follow the below-mentioned steps:

-Stopped by Traffic Police

The traffic police authorities may ask you to stop your vehicle. Do not try to run away; park your vehicle slowly at the side and wait for the traffic police authority to come.

-Verification of Documents

The traffic police office may inspect your vehicle and ask you to show relevant documents, such as your driving licence, vehicle registration and valid motor insurance.

-Issuance of No-Insurance Fine or Ticket

Suppose a four and two-wheeler insurance is not up to date or you do not have one. In that case, the traffic police authority will issue a challan against the vehicle, stating the challan amount and the reason for issuing the challan.

-Payment of Fine

After getting the challan, you need to make the traffic challan payment on time. Generally, the RTO gives a 60-day period to pay the challan after its issuance. You can pay the no-insurance fine online and offline.

-Court Appearance if Required

If a violator does not pay the insurance fine on time for driving without insurance, a court summons is issued against them, and they need to pay additional fines, which sometimes even lead to imprisonment.

If you want to pay the no-insurance fine for a bike or car in Chandigarh, you can do it online or offline. Below are the methods to pay the no-insurance fine on time:**

-Pay Without Insurance Fine Online via Parivahan Sewa Portal

Step 1: To pay a no-insurance fine, browse the Parivahan Sewa eChallan page.

Step 2: Next, select either your driving licence number, challan number or vehicle number based on your choice

Step 3: Add the asked details and captcha code, and then click on the "Get Details" button.

Step 4: The challan details will appear. Select the challan and click on the "Pay Now" option.

Step 5: Make a payment using preferred online modes such as UPI, QR code, credit and debit card.

Step 6: After making a payment, collect the acknowledgement receipt.

-Pay Without Insurance Fine Online via Chandigarh Traffic Police Website

Step 1: To pay the challan, open the Chandigarh Traffic Police website.

Step 2: Under the service section, choose the "Online Payment" option.

Step 3: Next, scroll down to the button and click on the "Online Payment Gateway" button.

Step 4: It will redirect to the Parivahan Sewa eChallan webpage.

Step 5: Enter the asked details and captcha code and then click on the "Get Details" button.

Step 6: Select the challan and make a payment.

Step 7: Upon successful payment, save the challan payment receipt.

-Pay Without Insurance Fine Offline in Chandigarh

Step 1: To pay the driving without licence traffic challan, visit the Chandigarh Traffic Police headquarters.

Step 2: Reach out to the authorities and show them the traffic challan you issued.

Step 3: The traffic police officer will verify the challan date, issued date and amount.

Step 4: After verifying, he will ask you to make payment.

Step 5: Make a challan payment either in cash or online.

Step 6: After making a payment, collect the confirmation receipt.

-Purchase Valid Insurance

One way to avoid getting a fine ticket in Chandigarh is to have a valid insurance policy. Ensure your vehicle is covered under at least third-party insurance, which is mandatory by law. Opt for comprehensive insurance for better protection.

-Renew Insurance on Time

Another reason for getting a challan ticket is forgetting to renew a car or bike insurance policy. Keep track of your insurance renewal date and renew it before it expires to avoid driving with an expired policy.

-Carry Insurance Documents

Another way to avoid fines is to always have an insurance document with you. Traffic police officers also accept digital copies, so ensure that you have policy documents on your phone.

To buy car and bike insurance online, follow the **Steps below.

Step 1: Visit the TATA AIG website and click on the "Personal" section.

Step 2: Under the motor insurance, select the four or two-wheeler insurance based on your preference.

Step 3: Add the vehicle registration number and hit the "Get Price" button.

Step 4: Next, based on your requirements, choose coverage such as third-party, standalone own damage or comprehensive policy.

Step 5: Include add-ons based on your needs.

Step 5: Review the car or bike insurance policy price and make a payment.

Step 6: Upon successful payment, you will receive policy details via email.

Furthermore, if you wish to learn all about IDV in bike insurance and car insurance, you can visit our IDV calculator page to get an accurate estimation for your bike and car.

Vehicle owners in Chandigarh need to adhere to traffic rules and regulations to avoid fines and penalties. These rules are enforced to manage the traffic flow and ensure the safety of drivers and pedestrians on the road.

Hence, having valid motor insurance is crucial in Chandigarh as it saves you from the financial implications in case of third-party or property damage by your insured vehicle as well as damages to your own vehicle.

-Can I get without insurance fine for a bike in chandigarh?

Yes, you can be fined for riding a bike without insurance in Chandigarh. The penalty for a first offence includes a fine of up to ₹2,000 or imprisonment of up to 3 months.

-What if I do not pay a no-insurance fine?

If you do not pay the fine for driving without insurance, you may face additional legal consequences, including increased fines, court summons or even imprisonment.

-Is there a time frame for paying the traffic challan in Chandigarh?

Yes, in Chandigarh, you typically have 60 days from the date of issuance to pay a traffic challan.