What Happens If You Drive Without Auto Insurance?
Driving without auto insurance in Lagos, Nigeria, carries significant legal and financial consequences. The enforcement of mandatory third-party motor vehicle insurance has been in effect since February 1st, 2025.
Legal Penalties:
- Fines: Drivers found without valid third-party insurance may face fines of up to ₦250,000. linkedin.com
- Imprisonment: In addition to fines, offenders could be sentenced to up to one year in prison. inspenonline.com
- Vehicle Impoundment: The vehicle may be impounded, and the driver could be disqualified from obtaining or holding a driver’s license for a specified period. nairaland.com
Additional Offenses and Penalties in Lagos:
- Driving Without a Valid Driver’s License: First-time offenders face a fine of ₦20,000, with subsequent offenses attracting higher fines and potential vehicle impoundment. businessday.ng
- Driving with Fake Number Plates: This offense carries a fine of ₦20,000 for first-time offenders, with subsequent offenses resulting in higher fines and possible imprisonment. businessday.ng
Recent Enforcement:
The Lagos State Police Command has intensified efforts to enforce mandatory third-party motor vehicle insurance, starting February 1st, 2025. Vehicle owners are required to possess at least valid third-party insurance, and those without any form of insurance are advised to obtain coverage promptly.
Recommendations:
To avoid legal issues and ensure financial protection:
- Obtain Mandatory Insurance: Secure at least third-party motor vehicle insurance as required by law.
- Carry Documentation: Always have proof of insurance and a valid driver’s license when operating a vehicle.
- Stay Informed: Be aware of and comply with local traffic laws and regulations to avoid penalties.
Complying with these regulations not only helps avoid severe penalties but also ensures financial protection in the event of accidents or damages.
