The mandatory list of driver documents must include a car insurance policy. If during a routine check by traffic police officers it is not found, driving without insurance will be punishable by a fine. The owner of a vehicle must know the consequences of such a violation. Therefore, you should familiarize yourself in advance with the amount of fines for driving without compulsory motor insurance.
Types of car insurance
An insurance policy is necessary to pay compensation to the injured party in the event of an accident. Often the amount of damage exceeds the financial capabilities of the culprit. At the legislative level, conditions for compulsory car insurance were introduced. The current penalty for driving without insurance encourages road users to comply with the law.
Currently, the following types of policies can be issued:
- OSAGO. Refers to compulsory car insurance and makes it possible to compensate for damage to property and health. This is done at the expense of the insurance company, if there was no violation of the concluded contract by the culprit.
- DOSAGO. In fact, this is also a compulsory motor liability insurance issued for a car, but with additional services - compensation for damage or theft of a vehicle, taking into account a number of force majeure circumstances. The cost of insurance in this case is higher than standard.
- CASCO. Unlike the services described above, the policy is issued for your car. The list of insured events has been expanded.
Traffic police officers can issue a fine for lack of MTPL insurance. Other types of car insurance are not mandatory.
When purchasing compulsory motor liability insurance, it is necessary to indicate the conditions of its validity - with a named list of persons allowed to drive a vehicle, the duration of validity, a certain period during the period of concluding the insurance agreement. In this case, responsibility for violating traffic rules will lie with the owner of the car.
The latter does not cancel compliance with traffic rules - a fine or deprivation of a driver’s license may also be issued in someone else’s car. In some cases, criminal liability arises.
Current fines
According to current legislation, driving without insurance under the new rules is strictly prohibited. To confirm the fact of compulsory car insurance, you must have the original policy or a copy of it with you. The latter applies to electronic registration. This service has been provided mandatory by insurance companies since 2017. The owner of the vehicle only needs to print out an electronic copy of the MTPL.
The actual financial penalty for driving without insurance is determined by the current status of compulsory motor liability insurance:
- lack of original or copy of the policy;
- expired compulsory motor insurance;
- driver information is not entered;
- The vehicle is not used at the specified time.
The last fact is that when registering, you can specify the period of operation of the machine. This could be several months throughout the year. This is used to reduce the cost of the policy.
If these violations are detected, the traffic police officer has the right to fine you for lack of insurance. The amount depends on the type of violation and is determined in Article 12.3 of the Code of Administrative Offenses of the Russian Federation.
Lack of confirmation of the presence of compulsory motor liability insurance
The introduction of electronic policies gave a false impression of the emergence of a “loophole” in the legislation. Is it possible to drive without insurance if you only need to provide your MTPL number? In practice, traffic police officers have access to the RSA database, which makes it possible to check online the existence of a policy and information about it.
The fine in this case will be 500 rubles, but the driver, if he has a valid MTPL, can easily challenge the protocol in court. In practice, a copy of your car insurance is required for the following:
- prompt verification by document number in the RSA database by the road service;
- filling out an accident notification in the event of an emergency;
- confirmation of the right to drive a car by a specific person.
Having a copy or printed version of OSAGO will not make you wonder what kind of punishment you may incur. It is enough to present the document during the inspection.
The OSAGO online calculator will help you calculate the cost of the policy:
Owner
Individual Legal entity
Vehicle type
Passenger car (cat. B) Passenger car as a taxi (cat. B) Truck with a carrying capacity of up to 16 tons (cat. C) Truck with a carrying capacity of over 16 tons. Bus up to 20 passenger seats Bus over 20 passenger seats
Place of registration
Moscow Moscow Region St. Petersburg Leningrad Region Barnaul Biysk Zarinsk, Novoaltaysk, Rubtsovsk Other cities and settlements Blagoveshchensk Belogorsk, free other cities and settlements Arkhangelsk Severodvinsk Kotlas and settlements Astrakhan other cities and settlements Belgorod Gubkin, old Oskol Other cities and the settlements of Bryansk Klintsy other cities and settlements Vladimir Mur Gus-Khrustalny Other cities and settlements Volgograd Volzhsky Kamyshin, Mikhailovka other cities and settlements of Cherepovets Vologda other cities and settlements Voronezh Borisoglebsk, Liski, Rossosh, other cities and settlements of Birobidzhan other cities and towns Chita Krasnokamensk Other cities and towns Ivanovo Kineshma Shuya Other cities and towns Irkutsk Shelekhov Angarsk Usolye-Sibirskoye Bratsk, Tulun, Ust-Ilimsk, Ust-Kut, Cheremkhovo Other cities and towns Nalchik, Prokhladny Other cities and towns points Kaliningrad Other cities and towns Obninsk Kaluga Other cities and towns Petropavlovsk-Kamchatsky Other cities and towns Karachay-Cherkess Republic Kemerovo Novokuznetsk Belovo, Berezovsky, Osinniki, Prokopyevsk, Mezhdurechensk Anzhero-Sudzhensk, Kiselevsk, Yurga Other cities and towns Kirov Kirovo-Chepetsk Other cities and towns Kostroma Other cities and towns Krasnodar, Novorossiysk Anapa, Gelendzhik Armavir, Sochi, Tuapse Belorechensk, Yeisk, Kropotkin, Krymsk, Kurganinsk, Labinsk, Slavyansk-on-Kubani, Timashevsk, Tikhoretsk Other cities and towns Krasnoyarsk Zheleznogorsk, Norilsk Achinsk, Zelenogorsk Kansk, Lesosibirsk, Minusinsk, Nazarovo Other cities and towns Kurgan Shadrinsk Other cities and towns Kursk Zheleznogorsk Other cities and towns Leningrad region Lipetsk Yelets Other cities and towns Magadan Other cities and towns Mos kovskaya region Moscow Murmansk Severomorsk Apatity, Monchegorsk Other cities and towns Nenets Autonomous Okrug Nizhny Novgorod Balakhna, Bor, Dzerzhinsk Kstovo Arzamas, Vyksa, Sarov Other cities and towns Veliky Novgorod Borovichi Other cities and towns Novosibirsk Berdsk Iskitim Kuibyshev Other cities and towns Omsk Other cities and settlements Orenburg Orsk Buguruslan, Buzuluk, Novotroitsk Other cities and settlements Orel Livna, Mtsensk Other cities and settlements of Penza Zarechny Kuznetsk other cities and settlements of Perm Berezniki, Krasnokamsk Solikamsk Lysva, Tchaikovsky other cities and settlements of Vladivostok Arsenyev , Artem, Nakhodka, Spassk-Dalniy, Ussuriysk Other cities and towns Pskov Velikiye Luki Other cities and towns Republic of Adygea Gorno-Altaisk Other cities and towns Ufa Sterlitamak, Tuymazy Blagoveshchensk, Oktyabrsky Ishimbay, Kumertau, Salavat Other cities and towns Ulan-Ude Other cities and towns Buinaksk, Derbent, Kaspiysk, Makhachkala, Khasavyurt Other cities and towns Malgobek Nazran Other cities and towns Elista Other cities and towns Petrozavodsk Other cities and towns Syktyvkar Ukhta Other cities and towns Yoshkar- Ola Volzhsk Other cities and towns Saransk Ruzaevka Other cities and towns Yakutsk Neryungri Other cities and towns Vladikavkaz Other cities and towns Kazan Naberezhnye Chelny Almetyevsk, Zelenodolsk, Nizhnekamsk Elabuga Bugulma, Leninogorsk, Chistopol Other cities and towns Kyzyl Other cities and settlements Abakan, Sayanogorsk, Chernogorsk Other cities and towns Rostov-on-Don Bataysk Mines Volgodonsk, Gukovo, Kamensk-Shakhtinsky, Novocherkassk Novoshakhtinsk, Salsk, Taganrog Other cities and towns Ryazan Other cities and towns Samara Tolyatti Chapaevsk Novokuibyshevsk, Syzran Other cities and towns St. Petersburg Saratov Engels Balakovo, Balashov, Volsk Other cities and towns Yuzhno-Sakhalinsk Other cities and towns Yekaterinburg Berezovsky, Verkhnyaya Pyshma, Novouralsk, Pervouralsk Verkhnyaya Salda, Polevskoy Asbest, Revda Other cities and towns Smolensk Vyazma, Roslavl, Safonovo, Yartsevo Other cities and towns Kislovodsk, Mikhailovsk, Stavropol Budennovsk, Georgievsk, Essentuki, Mineralnye Vody, Nevinnomyssk, Pyatigorsk Other cities and towns Tambov Michurinsk Other cities and towns Tver Vyshny Volochek, Kimry, Rzhev Other cities and settlements Tomsk Seversk Other cities and settlements Tula Uzlovaya, Shchekino Aleksin, Efremov, Novomoskovsk Other cities and settlements Tyumen Tobolsk Other cities and settlements Izhevsk Votkinsk Glazov, Sarapul Other cities and settlements Ulyanovsk Dimitrovgrad Other cities and settlements Khabarovsk Komsomolsk -on
Engine power
up to 50 inclusive from 50 to 70 inclusive from 70 to 100 inclusive from 100 to 120 inclusive from 120 to 150 inclusive over 150
Number of admitted persons
Limited Unlimited
Minimum age and experience of those admitted to management
up to 22 years inclusive with driving experience up to 3 years inclusive up to 22 years inclusive with driving experience over 3 years over 22 years with driving experience up to 3 years inclusive over 22 years with driving experience over 3 years
How many years of accident-free driving?
less than 1 year 2nd year 3rd year 4th year 5th year 6th year 7th year 8th year 9th year 10th year
Insurance period
1 year 9 months 8 months 7 months 6 months 5 months 4 months 3 months
Insurance payment
Insurance not issued or expired
Not having auto insurance on your car is unacceptable. But an increase in company tariffs leads to reluctance to draw up the document. In this case, you need to find out the exact amount of the fine for driving without insurance. In 2020 it is 800 rubles. But at the end of 2016, a bill was introduced providing for an increase. It has not yet entered into force.
How long can you drive with expired insurance and will penalties be applied in this case? The same punishment is provided for driving without compulsory motor insurance, regardless of the deadline for completing the contract with the insurance company.
In addition, the following consequences are possible:
- an increase in the KBM coefficient, which will affect the final cost of the policy;
- reluctance of companies to enter into an agreement, it is possible to issue only an extended version - DOSAGO;
- the culprit of the accident will have to compensate for material damage on his own.
The latter often happens through the courts, which entails additional costs. Therefore, before analyzing what the penalty for overdue insurance is, it is necessary to think about other consequences of not having a policy and what this means in the future.
According to current regulations, traffic police fines for unissued car insurance can be issued multiple times within one day. The driver only needs to drive 10 km from the place where the protocol was issued to be punished again during the next inspection.
The driver is not included in the policy
A similar case arises when registering with a limited number of drivers. The policy contains information about each of them. When driving a vehicle by another person, the compulsory motor liability insurance policy is automatically terminated. Responsibility lies with the owner of the car. Fine – 800 rubles.
Information about this is contained in the policy. A traffic police officer must verify the competence of a specific person to drive a vehicle by examining the contents of the MTPL (original or copy) and checking the data from the RSA database.
To confirm your right to drive a car, you must have the following documents with you:
- driver's license;
- technical passport of the vehicle;
- a copy of the purchase/sale agreement or power of attorney;
- copy of OSAGO.
In this case, the traffic inspector will not be able to issue a report for violating the current rules. To avoid such situations, if there is a high probability that the car will be driven by other authorized persons, it is recommended to take out car insurance without restrictions.
Using the car outside the insurance period
Purchasing car insurance with a specific period of vehicle use during the validity period is optimal for seasonal use. In fact, it is possible to select specific months during which the car will be used. But if the traffic inspector records violations of the agreement, a fine of 500 rubles will be issued.
If in addition the driver is not included in the policy, a double violation protocol is drawn up. Accordingly, the amount will increase by 800 rubles. Therefore, before purchasing car insurance, you need to carefully consider the period of actual use of the car. Savings must be prudent.
RSA has developed a project to increase fines for the lack of a car insurance policy. According to preliminary data, the maximum amount is up to 8,000 rubles. Considering the increasing number of cases of violations, this measure is not groundless. But in practice, such a bill was not considered.
Instead, an additional increasing coefficient was introduced in case of violation of the MTPL agreement. It applies to negligent drivers and vehicle owners. The increase in car insurance costs can be significant.
The video provides explanations regarding the operation of compulsory motor liability insurance in 2020:
The fine for driving without MTPL insurance in 2018 is 800 rubles.
From January 1, 2018, there are no changes in penalties for lack of an insurance policy.
All fines for lack of MTPL insurance for 2017 – 2018 in one table
| Violation | Article of the Code of Administrative Offenses of the Russian Federation | Amount of fine |
|---|---|---|
| Operating a car without insurance (if you forgot to take the policy with you) | Part 2 Art. 12.3 Code of Administrative Offenses of the Russian Federation | Fine 500 rubles |
| Operating a car without insurance (if the policy is not issued) | Part 2 Art. 12.37 Code of Administrative Offenses of the Russian Federation | Fine 800 rubles |
| Operating a car with expired insurance | Part 2 Art. 12.37 Code of Administrative Offenses of the Russian Federation | Fine 800 rubles |
| Operating a car with insurance outside the period of use specified in the policy | Part 1 Art. 12.37 Code of Administrative Offenses of the Russian Federation | Fine 500 rubles |
| Operating a car if the driver is not included in the insurance | Part 1 Art. 12.37 Code of Administrative Offenses of the Russian Federation | Fine 500 rubles |
What is a compulsory MTPL insurance policy and is it possible to avoid issuing it? The MTPL insurance policy is a vital document for every driver, allowing you to avoid financial risks if you get into an accident. Its registration is mandatory for all vehicles registered in the Russian Federation. Failure to comply with MTPL is punishable by a fine. What is a compulsory insurance policy, as well as what punishment is provided for its absence and forgery, we will talk in this article.
New sample MTPL policy
OSAGO is a way of civilized settlement of losses in the event of an insured event. We repeat that purchasing a policy is mandatory!
Read also! Recovery of moral damages.
Insurance is issued once a year. The amount received from its sale goes into a common “pot” from which the losses of citizens involved in road accidents are subsequently paid. In its meaning, OSAGO is a guarantee against the risks associated with personal payment of money to restore a car after an accident. The cost of the policy is insignificant compared to possible losses from an accident.
It is impossible to avoid registration of compulsory motor liability insurance in a legal way. Sooner or later, traffic police will stop the car and ask the driver to present documents, including a policy. Failure to do so will result in a fine of 800 rubles. If the receipt for the fine is paid without insurance within 20 days, 50% of the amount is returned. Thus, its amount is halved and amounts to 400 rubles.
If the car has valid insurance, but when it is stopped it turns out that the driver is not included in the policy, a fine of 500 rubles is imposed. Its payment also provides a 50% discount if paid 20 days in advance. As a result, the payment amount will be only 250 rubles. This indulgence was made taking into account situations where a driver cannot get behind the wheel on his own due to drunkenness or poor health, and gives the car keys to a close relative or friend.
If the driver has forgotten the insurance policy at home, when the car is stopped by the traffic police, a fine of 500 rubles is issued. However, in this case, you still need to prove and convince employees that you have insurance for your home. As a rule, you can check it using the database of the insurance organization. Unfortunately, in practice you may encounter a full fine of 800 rubles. You can protest it by visiting a nearby traffic inspection office, providing a valid policy as evidence.
What happens if you don't pay the insurance fine?
Despite the ridiculous amounts of the fine, many drivers simply ignore it. The consequences of unauthorized evasion can result in serious financial problems. Road service employees will have to file a claim in court to recover the fine from the debtor. In addition to this, the offender will also have to pay court costs, which at times exceed the amount of the fine itself.
Read also! You are accused of speeding.
If the debtor refuses to comply with the court order, his accounts and property may be seized. It is removed only after paying a fine and court costs, or selling the property through an auction.
OSAGO – to issue or not?
An experienced and law-abiding driver should not have this question, since registration of compulsory motor liability insurance is mandatory. A fine from the traffic police is just a small problem that you may encounter if you do not have insurance.
If the driver causes an accident, he will have to pay for the restoration of the victims’ car from personal funds, and this is not to mention the recovery of funds in court for moral and physical damage. The amount may turn out to be not just large, but huge. It will take decades to pay it off.
In practice, it happens that the person at fault for an accident has to sell off his business and property in order to pay off his debts. In case of refusal to repay debts, the property can be sold at auction, which is extremely unprofitable for its owner, since the cost of the lots is set to the minimum.
Fine for insurance from traffic cameras
Since 2016, a large-scale campaign has been taking place throughout Russia, initiated by traffic police officers and insurance companies to identify offenders using traffic cameras.
Cameras record state license plates of cars, which are subsequently searched through insurers' databases for the presence of compulsory motor liability insurance. If there is no information about the policy, the driver will be sent a fine by mail.
If the system fails and the driver still has insurance, you must contact the nearest traffic police department to cancel the illegal fine.
Mandatory motor third-party liability insurance has led to the fact that the MTPL (or CASCO) policy has expanded the list of documents that any driver is required to present upon the first request of a traffic police officer (clause 2.1.1 of the traffic rules). Let us remind you that other required documents include a driver’s license and a Vehicle Registration Certificate. We also note that the absence of an insurance policy does not allow the driver of the car to be removed from driving it, while failure to provide two other documents gives the inspector such rights. What are the penalties for not having MTPL insurance in 2018? Do the circumstances of the offense affect the amount of penalties? Is it possible to avoid a fine for not having a compulsory motor liability insurance policy?
About the reasons for the lack of compulsory motor liability insurance
The driver of the car may not have an MTPL insurance policy for various reasons. The first and most common is that you forgot your document at home. Note that in this case, it is assumed that you have valid insurance as such (any traffic police officer can check this using a special database). The second reason is that the MTPL policy was not issued. Of course, a violation committed under such conditions will result in more severe penalties.
There are other circumstances in which the driver of the car will also be fined:
- the insurance is expired (expired);
- the insurance is valid during certain months of the year, and the driver uses it outside of these periods;
- The insurance is valid, but it does not contain information about the driver of the car.
Normative base
The OSAGO (or CASCO) insurance policy is included in the list of mandatory documents when registering a car with the State Traffic Inspectorate. As for movement on public roads, the requirements for the availability of insurance in this case are provided for by two regulations at once: the Federal Law “On Road Safety” (clause 2 of Article 19.2), “prohibiting the operation of a vehicle without insurance”, as well as the Rules road traffic (clause 2.1.1), establishing that “you can drive a vehicle only if you have valid insurance.”
Driving without a compulsory motor liability insurance policy: fines in 2018
The fine for driving without MTPL insurance is 800 rubles From January 1, 2018, there are no changes in fines for lack of compulsory motor insurance.
First of all, it is worth remembering that Article 12.3 of the Code of Administrative Offenses of the Russian Federation for driving without valid insurance, subject to its actual availability (“forgot it at home”), provides for the issuance of a warning. This suggests that in this situation the traffic police inspector has the right to impose certain sanctions at his discretion. Who can count on a warning? Obviously, the driver who admits his guilt, complains about his forgetfulness and convinces the traffic police officer that he will try to avoid such offenses in the future will not receive a fine for not having MTPL insurance on his car. And vice versa, without seeing “repentance” and an emphatically polite attitude towards the person during execution, the inspector is guaranteed to issue a fine in the amount of 800 rubles.
The second important nuance: today there are no provisions in any regulatory document, including articles of the Code of Administrative Offenses, that allow the seizure of a vehicle, the towing of a car to a parking lot, or the removal of license plates for the absence of a policy from an insurance company. Let us recall that the rules, which in such cases allowed the driver to be removed from driving a vehicle, were in force until November 15, 2014.
Third point: when presenting expired insurance to the inspector, remember that this is tantamount to its absence (a fine of 800 rubles according to Article 12.37 of the Code of Administrative Offenses of the Russian Federation).
Finally, another deviation from the rules may occur in a situation where the driver’s data is not included in the insurance policy: a fine can be avoided if there is a power of attorney.
Penalty for repeated absence of MTPL policy
Practice shows that the main contingent of violators under the above articles of the Code of Administrative Offenses deliberately ignore the requirement to renew the insurance policy and, as a result, are brought to justice repeatedly. Are there measures that would tighten liability for the repeated absence of an MTPL insurance policy? And will the violator pay a fine if he gets caught by the inspector for the second time in a day?
The answer to the first question is clear: there are no provisions in the articles of the Code of Administrative Offenses that would increase the amount of the fine for a repeated violation of clause 2.1.1 of the Traffic Rules or clause 2 of Art. 19.2 of the Law “On Road Safety”. The second question requires a more detailed analysis.
Turning to paragraph 5 of Article 4.1 of the Code of Administrative Offenses of the Russian Federation, we learn that a citizen cannot be brought to administrative responsibility for the same administrative offense twice. This interpretation is often misunderstood by drivers, which leads to disputes with traffic police officers who issue a repeat report during the day. But the law in this situation is completely on the side of the inspectors: stopping the vehicle again in another place and at another time, as well as an inspection that revealed the lack of insurance, is a new administrative offense, since it was committed under new circumstances. Thus, without having a valid policy issued by the insurance company, you risk paying every time the documents are verified. The fine in all these cases will be the same.
For reference: in 2017, new Traffic Rules came into force in Russia, in which legislators provided a discount for those violators who pay the fine within 20 days from the date of issuing the protocol (the norm does not apply to all types of traffic violations). Expired insurance, as well as its absence or any other violations under Art. 12.37 of the Code of Administrative Offenses of the Russian Federation are included in the “preferential” list, and therefore, having in your hands a protocol issued in the amount of 800 rubles, you can save exactly half if you promptly pay the fine in any of the available ways.
What to do if the driver is not included in the OSAGO policy
A common situation: you visited an insurance company and took out a compulsory motor liability insurance policy for yourself, but when the inspector stopped the car, the driver turned out to be a person who was not included in the insurance. Part 1 of Article 21.37 of the Code of Administrative Offenses provides for a fine of 500 rubles for such a violation, even if the real owner of the policy is in the car as a passenger. The reason is that only the individual whose name is included in the MTPL policy can receive compensation in the form of insurance payments. Otherwise, damage from insured events cannot be compensated, which means that the car is driven on public roads virtually without insurance.
At the same time, laws allow driving a car not only to the person who has insured his civil liability, but also to his authorized representative (necessarily - having a power of attorney in hand). By the way, such a document can be drawn up in simple written form and not certified by a notary, which means it can be completed relatively quickly and simply. Of course, we must not forget about the generally accepted rules for drawing up powers of attorney, according to which the document must contain:
- details of the principal and the authorized representative;
- data on the car (make, model, license plate number);
- trusted powers;
- signature of the principal and date of drawing up the document.
Thus, having at hand a blank sheet of paper and the personal passports of the principal and the authorized representative, you can try to have time to issue a power of attorney while the inspector is checking the documents. But is it worth exposing yourself to the risk of getting a fine if you can draw up a power of attorney before the trip, spending only a few minutes on it?
On the use of the MTPL insurance policy outside its validity period
In this case, we are not talking about expired insurance, but about one that is valid for a strictly limited period. An annual MTPL policy will be cheaper if you indicate in it the period of use of the car, for example, only during the summer season (spring, summer and autumn months). Accordingly, in the winter months such insurance will be considered invalid and in accordance with Part 1 of Art. 12.37 of the Code of Administrative Offenses of the Russian Federation, the violator will face penalties in the amount of 800 rubles. Obviously, when purchasing such a policy, you should take a reasonable approach to determining and setting the validity period of the insurance in order to avoid problems with the traffic police.
Insurance policy as a guarantee of compensation for damage
Many drivers ignore the requirements of laws obliging them to purchase and renew auto liability insurance policies on time, considering the amount of fines imposed for these violations to be insignificant. But is such an imaginary saving worth the problems that a driver who finds himself in the scene of an accident will encounter? Automobile insurance is one of the ways to protect citizens who have been involved in an accident in a car and incur serious costs in this regard. Let us remind you that the maximum payment under compulsory motor liability insurance is 400 thousand rubles, which is able to cover expenses, for example, for the restoration of a car damaged in an accident.
In addition, compulsory motor liability insurance allows you to compensate for material damage to persons affected by the actions of the insured person. This classifies auto insurance as a separate type of insurance programs, which are specifically used in the automotive sector and take into account a variety of nuances of legal relations that arise in case of road accidents.
Today, every car owner must have an MTPL policy. This document is equal in importance to a driver’s license and is required to be presented to a traffic police inspector. However, not all car owners understand the seriousness of the consequences in the absence of a certificate. New rules impose a fine for lack of MTPL insurance in 2019.
When purchasing a new or used vehicle, ownership of it passes to the new owner from the date of signing the purchase and sale agreement.
From this moment on, the new owner bears all responsibility for the car and insurance, who, in accordance with Russian legislation, must register the vehicle within 10 days from the date of signing the contract.
The new owner of the car is also given 10 days to obtain a certificate.
According to the law, district MREOs do not have the right to register a vehicle in the absence of insurance.
For 10 days, the car owner can move freely in his vehicle, but there are cases when traffic police officers can issue a fine. These actions are illegal, but they do occur. The car owner can challenge the imposition of sanctions in court.
Important! To avoid unforeseen situations, it is recommended to take out an insurance policy immediately after purchasing a car.
OSAGO and CASCO calculator
To avoid receiving fines for not having a policy for not having one or if it is already expired, it is better to worry about this in advance. You can calculate the approximate cost using this calculator.
Fine for lack of MTPL insurance in 2019 or the driver is not registered
Today, a common situation is when there is an insurance certificate, but the driver’s details are not indicated on it.
According to the law, such a violation also entails punishment. However, it can be avoided if you have a power of attorney to drive a car. If there is none, the penalty for such an offense is 500 rubles.
A situation where a document is available, but the data of the citizen driving the transport is not in it, arises when the vehicle is transferred to a third party.
In this case, the penalty is imposed on the owner of the car. At the same time, it is important to know that if a traffic accident is committed by a third party whose data is not included in the insurance, it can result in large losses for the car owner.
Insurers most often in such situations file a claim against the owner of the car in order to compensate for their own losses to pay for the losses of the victim.
To avoid such a nuisance, you need to take out insurance without restrictions; it does not cost much more, but can save you from significant damage, especially if you often entrust your car to third parties.
Read also:
Fine for not having a novice driver sign in 2018
Today there are several categories of citizens who can drive vehicles without a license, namely:
- Drivers of vehicles whose speed cannot exceed 19 km/h.
- Organizations with military vehicles.
- Citizens whose cars are registered in another country and have an international certificate.
- A certificate is not required for passenger trailers.
- Owners of vehicles traveling on tracks, sleds and other non-wheeled structures.
Important! If a vehicle registration deadline is repeatedly violated, a citizen may face deprivation of rights for up to 3 months or a fine for lack of compulsory motor liability insurance of up to 5,000 rubles.
Fine for overdue compulsory motor insurance
A fine for overdue compulsory motor insurance is another administrative penalty for irresponsible drivers.
This offense is equivalent to the absence of an insurance policy. The fine for lack of MTPL insurance is 800 rubles.
Most often, policy expiration occurs due to ill-informed people who believe that after the policy expires, they have another month to renew it.
This provision was canceled back in 2009 and today the car owner is required to renew the insurance on the day it expires.
The only option not to fall under administrative liability with an expired document is to present the police with a car purchase and sale agreement, which indicates that the owner of the vehicle purchased it less than 10 days ago.
In all other situations, expired compulsory motor liability insurance is a violation of the legislation of the Russian Federation.
What if I forgot my MTPL policy at home?
Forgetfulness of drivers most often results in a penalty for them in accordance with Article 12.3 Part 2 of the Code of Administrative Offenses.
If you can prove to the inspector that the document exists and is not expired, you will be fined 500 rubles for lack of compulsory motor liability insurance.
If you were unable to provide significant evidence of the existence of the document, you will have to pay 800 rubles.
As evidence you can present:
- certificate number;
- name of the organization where the document was drawn up;
- your insurance agent's phone number.
The size of the penalty in this situation will depend on whether the inspector believes you or not.
Attention! If you are given the maximum fine, you can later challenge it by providing copies of your insurance policy. Then the amount of recovery will be reduced to 500 rubles.
To avoid getting into such unpleasant situations, always keep the policy along with your driver’s license.
Can they rent rooms if there is no compulsory motor liability insurance policy?
Even before 2015, traffic police inspectors had the right to easily remove a person from driving a vehicle without an insurance policy.
Police officers could also remove the license plates, and then the restoration of driving privileges could take a long time.
Since 2015, it was decided to abandon this penalty. This decision was justified by a large number of reports from car owners about theft of license plates.
In this regard, the only penalty remains a fine for lack of insurance.
Attention! If traffic police officers try to remove license plates or send a car to an impound lot, their actions can be considered unlawful. In this case, the car owner is recommended to write a statement addressed to the head of the traffic police.
It should be remembered that timely registration of insurance will provide you with peace of mind on the road in any situation.
