We have already seen the differences between types of insurance and discovered which insurance is best based on the type of car you want to insure. But it doesn’t matter what you’ve spent, Your insurance will not cover you in the following cases and you must be responsible for the damages and any compensation.
1. If you drive under the influence of alcohol or drugs
If you drive under the influence of alcohol or drugs You would be committing a crime that you consciously know is expressly prohibited. Not only are you endangering your safety and that of the environment, like Your insurer will ignore you if you cause any type of damage. Likewise, and obviously, don’t even try to get the sanctions covered.
2. If you transport more passengers or more cargo than allowed
Once again, we would be committing a crime where the total responsibility for the damages and the corresponding penalties will fall entirely on the driver.
(Be careful here with the microurbans, most of which are approved for only four occupants).
3. If you drive without the ITV in order or without a license
In both cases you expose yourself to assuming full responsibility for what is considered a very serious infraction. All resulting events as well as the corresponding financial sanctions will fall on the driver in question.
4. If you participate in an illegal race
If you believe yourself to be Vin Diesel in Fast and Furious and you clandestinely participate in a race, all responsibility will fall at your own risk. Even arguing that it was a race on a circuit, said argument will be useless since there are specific policies for those cases.
5. If you park on a dock
Care in the springs,because many insurers are not responsible if something happens to your vehicle. Furthermore, if you travel with your car in ship and this one sinks the ship’s cargo insurance will pay you.
6. If you have an impact with a family member or neighbor
In this case it is necessary to point out. The insurance company will cover you if the collision was involuntary and the company can corroborate it.
In the absence of evidence, and given that it is an accident between acquaintances (a family member, a neighbor, a friend…), The insurer may allege fraudulent intent.
7. If you drive on a dirt road
With some exceptions, many insurers will not cover you if you have any type of accident or breakdown while driving on unpaved roads. Likewise, those that do financially cover the damage are likely not to provide mechanical assistance.
8. If in the event of an accident, you do not help the injured party
As established by law, in the event of an accident, and having the capacity to do so, it is mandatory to come to the aid of the injured party. If, on the other hand, you ran away after causing an accident, or did not help a pedestrian in the event of a collision, you would be committing a criminally punishable crime.
The insurer would compensate the victims of the accident and these expenses may fall on you.
9. If a natural disaster, war or nuclear accident occurs
In this situation, insurers have no obligation to insure you as they make explicit in the policies. In this case, you will have to complain to the Insurance Compensation Consortium.
10. If you do not approve the changes and new accessories in your car
If you modify aspects such as the tires or incorporate accessories such as a GPS that did not come as standard, the insurer may argue that the car listed on the policy does not match the one that suffered the accident. In this case the insurer will cover the damages to a third party, but they can wash their hands of it in your case.
11. If you are under 25 years old
It is not entirely profitable for insurers to insure novice drivers. That is why, based on statistics and the lack of experience of young people behind the wheel, it will either be extremely difficult for you to find a company that insures you or it will be extremely expensive.
Many people therefore insure the car in the name of an older third party, with the main driver being a person under 25. In this case, if the main driver has an accident, the insurance company will not be involved completely.
If you have questions about insurance, consult our insurance comparator.
