¿Qué pasa si devuelvo un recibo del seguro de coche?

El seguro es obligatorio

Todos los vehículos que circulan dentro del territorio español están obligados a contratar un seguro de responsabilidad civil para poder circular legalmente. En caso de no contar con él, la ley puede tomar medidas legales de sanción.

La responsabilidad civil obligatoria está regulada en el RDL 8/2014 por el que se aprueba el texto refundido de la Ley sobre responsabilidad civil y circulación de vehículos a motor. Junto a esta Ley se encuentra el seguro de coche, de igualdad obligación, que en Zurich Klinc te permite contratar coberturas personalizadas para cubrir los riesgos que como conductor priorices con total transparencia.

La función del seguro de coche es responder inmediatamente a los daños personales y materiales que se generen en caso de un accidente.

El seguro de coche se contrata anualmente y su pago puede ser fraccionado o con tan solo un único pago. En ningún caso es valido devolver el recibo, tal y como indica el artículo 22.2 de la Ley 50/80 de Contrato de seguro, “La cancelación del contrato por parte del tomador se debe comunicar por escrito, al menos, con 30 días de antelación a su fecha de vencimiento”.

Multa de la DGT por incumplimiento

Las consecuencias de no tener seguro de coche vigente suponen al titular del vehículo una sanción de incumplimiento por parte de la DGT, que oscila entre los 601€ y los 3.005€ dependiendo del tipo de vehículo: ciclomotor, motocicleta, turismo, camión o autobús.

La sanción dependerá también del tiempo que el vehículo en cuestión lleve sin el seguro, y si es la primera vez que el conductor incumple la ley o ya es una acción reiterada. En este caso el agente de tráfico, encargado de imponer la sanción en cuestión, puede inmovilizar el vehículo de uno o tres meses e, incluso, un año. El conductor deberá demostrar que sí dispone del seguro y abonar los gastos procedentes del depósito si quiere recuperar su vehículo.

La multa se notifica junto en el momento que el agente verifica a través del sistema FIVA, Fichero Informatizado de Vehículos Asegurados, que el vehículo no tiene en vigor su seguro de coche. Si esta información no se puede verificar en el momento, se deberá hacer a través del DEV, Dirección Electrónica Vial, que es el servicio de notificaciones de multas de tráfico de la DGT.

Juicio por incumplimiento mayor

Si el conductor supera los plazos de pago establecidos por la Ley y opta por no hacer el pago obligatorio ni del seguro de coche ni de las multas recibidas hasta día de hoy, la peor consecuencia de estos impagos es que la compañía de seguros lleve al conductor a juicio y emprenda acciones legales en contra de él. En este caso, la vía ejecutiva sanciona el conductor imponiendo todos los pagos de los recibos no efectuados y/o las multas recibidas, más un pequeño recargo. El recargo irá siendo mayor si el conductor decide ignorar los plazos establecidos para el pago de la sanción.

El seguro que necesitas a un Klinc

Conoce los seguros que tenemos para ti.

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  133. It is indeed my belief that mesothelioma is actually the most fatal cancer. It contains unusual traits. The more I look at it the more I am confident it does not behave like a true solid tissue cancer. If mesothelioma is often a rogue viral infection, in that case there is the chance for developing a vaccine and also offering vaccination to asbestos open people who are at high risk with developing potential asbestos connected malignancies. Thanks for discussing your ideas on this important ailment.

  134. I also believe that mesothelioma cancer is a uncommon form of cancers that is generally found in those previously exposed to asbestos. Cancerous tissues form inside the mesothelium, which is a safety lining that covers the vast majority of body’s organs. These cells commonly form within the lining on the lungs, mid-section, or the sac that really encircles the heart. Thanks for giving your ideas.

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