Every owner of a motor vehicle knows that according to the laws of the Republic of Bulgaria there must be a concluded Civil Liability Insurance, a coupon for passed technical inspection and a valid vignette. These are the things that the traffic police check for you if they stop you. And if the vignette is needed only when driving outside the city, then the other two are needed everywhere.
However, some drivers (especially young people) look at these things, and especially insurance, only as an unpleasant detail, the meaning of which they do not understand, which is why they are often belittled and neglected. Therefore, in this article we will introduce you to the consequences that will befall you if you leave your car without liability insurance.
First of all, the idea of Civil Liability Insurance is to cover the costs that may arise for damage to another's property or for injured people as a result of an accident caused by you. Given that road accidents happen every day, the probability that you become part of one through your own fault is high. Of course, this is not only your fault, there are a number of external factors that can affect - narrow streets, poor road conditions, sharp corners without visibility, speeding, pedestrians crossing incorrectly, and more. Remember that every light blow must be paid for.
The Guarantee Fund pays for accidents caused by cars that do not have a Civil Liability Agreement. Then he began to demand that the money be refunded by the owner, and the mechanisms for receiving them are many - including the seizure of bank accounts. In other words - there is nowhere to run and in any case sooner or later you will have to pay what you owe.
The new Insurance Code came into force at the beginning of this year, according to which fines for driving without "Civil Liability" are lighter, but another sanction is envisaged, which is much heavier. The point is that cars that are not insured will be deregistered and thus become completely illegal to drive.
In order for the registration to be restored, one of the conditions is for the owner of the car to show a concluded Civil Liability Insurance. In addition, the fine of BGN 250 if the car belongs to a natural person and BGN 2,000 for a legal entity remains. that you drive a car without insurance, which is not your property, the fine is BGN 400.
Therefore, we advise you not to rely on the fact that you will not be stopped by the traffic police or if this happens, you will be able to get away with it, especially considering that it is now mandatory to take pictures with cameras in any case of stopping. And besides, if you decide to pretend to be even bigger thugs and forge a policy, then you fall under the Criminal Code, which provides severe sanctions for document fraud. Then it starts with salty fines and can even lead to imprisonment.
And to bring yourself to this, it's just not worth it! Especially considering that with the development of modern technology you can now take out insurance through your laptop or smart phone in just 3-4 minutes. It only takes a few clicks to compare the offers that different companies offer you with the help of online
calculator "Civil Liability" and choose the one that is closest to your personal requirements and desires.