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In what cases is the insurance policy transferred to the traffic police inspector? Is the driver required to show insurance? Can the traffic police check the insurance?

Of course, the introduction of an electronic policy has greatly simplified the process of obtaining car insurance. The number of such insurance is increasing, but this document cannot always be replaced with the usual paper one. And this provokes conflicts and disputes between the driver and the inspector. In addition, not all motorists yet know how to “carry” an electronic OSAGO policy and what to show to the traffic police.

Decor

Electronic insurance is registered on the company’s service. It is possible to choose a profitable option, register with the company immediately, or use the RSA or State Services resource, which will then send the client to the insurer’s website.

At the insurance company's service, a form is filled out with information about the policyholder and the car, then a reconciliation is carried out, and the person receives a notification with a code to activate the account. Then an agreement is selected where you can actually see how to use the electronic MTPL policy.

After payment, the person is entered into the unified AIS RSA database, and the insurance document is sent by mail, which was included in the application.

The form is printed. If desired, the printout can be certified with a seal at the company’s office. The whole process takes up to an hour.

In what cases is it required to provide

First you need to understand whether the driver is required to present an insurance policy to the traffic police officer. In accordance with the law, an employee has the right to request a vehicle license only when drawing up a report on a fine or an accident. In accordance with the traffic rules, the contract is provided to the inspector when the obligation to provide insurance is established by federal law.

This is, in fact, the same thing, but often traffic police officers interpret this not in the direction of the motorist. Thus, it becomes clear that a person must present a traffic police document:

During planned raids.
When drawing up a protocol.
In case of an accident.

In the first case, this is not enshrined in law, but, being aware of the peculiarities of the traffic police, it is still advisable to meet them halfway. In addition, driving without a policy may result in a fine. For this reason, there are no special reasons not to present this paper. That is, you don’t always have the right to double-check your papers, so the question of whether a traffic police officer has the right to check your compulsory motor liability insurance will always be relevant.

But on the other hand, since the car owner must always have a package of documentation with him, including insurance, there are no excuses not to show it. The traffic police has the right to stop cars to check documentation. Penalties will apply.

Every driver should know in what cases an insurance policy is provided to a traffic police officer.

Checking e-insurance

Previously, with such a requirement, the driver presented a stamped policy form. The employee will check the validity period and check the information with the VU.

Typically, drivers store all documents in the glove compartment, including compulsory motor liability insurance. But with technological development, questions now arise regarding how to present an electronic MTPL policy to a traffic police inspector.

The police now have a special circular for this. The legality and validity of the policy is rechecked using a special service of the Ministry of Internal Affairs network. For this reason, the employee will follow the following procedure for checking electronic compulsory motor liability insurance:

It will go into the database and enter information about the registration number and VIP code of the car.
He will start looking.

However, you can check this on the main RSA resource, not only for the inspector, but also for any other person. The process is similar.

Mandatory paper form

Companies are advised to still print the paper and certify it with a seal. After all, the inspector will be able to determine whether the printed online OSAGO policy is valid. In the event of an accident, it is not always possible to find out the number and information through the gadget, as it may break or run out of charge. For this reason, it is not necessary, but it is advisable.

If the inspector does not recognize the policy

It happens that a traffic police officer does not want to trust a copy, justifying this by the fact that the rules require it. Virtual MTPL sometimes provokes such conflicts with the inspectorate. After all, a printout is not considered documentation.

Naturally, a copy is less trustworthy, but this can be checked using a single database. To double-check, just provide your insurance number. But if the employee does not have a network or telephone, then this is his problem, not the driver.

Therefore, you can be sure that you can drive with an electronic MTPL policy, especially since traffic police officers know that if the contract data is in the database, then you cannot be fined. If the recovery is 800 rubles. will be issued, it can be appealed.

Namely: clause 2.1.1 contains the right of a traffic police officer to check, and therefore the obligation of the car owner to transfer for inspection:

license or other document allowing you to temporarily drive a vehicle;
registration documents;
insurance.

This is a mandatory list for everyone, regardless of the situation. In some cases, other documents may be required. That is, the answer to the question of whether the driver of the vehicle is obliged to present an insurance policy to the traffic police inspector is unambiguous. Yes, I must. Moreover, the policy must not be expired, and the person specified in it must be driving. The driver is required to present documents confirming the right to use and drive a vehicle. The insurance contains a list of persons allowed to drive a car. Therefore, the MTPL policy is required to be presented when stopped by the traffic police.

Is the driver required to present insurance to the traffic police inspector?

Electronic version Since 2017, every car owner has the opportunity to take out a compulsory car insurance policy without leaving home. This can be done on the website of any insurance company. The obligation of insurers to sell electronic options is provided for by law, but in practice it is not always possible to obtain this advanced service.

However, this is not about that now. If the car owner nevertheless exercised his legal right and bought an electronic MTPL, then what should he do when stopped by the traffic police? After all, the employee has all the legal grounds (see above) to request a paper document from the driver. The key to solving this dilemma lies in Article 32 of the Federal Law “On Compulsory Motor Liability Insurance”. This paragraph states that when applying for an electronic version of insurance and in the event of a car being stopped by a traffic police officer, the driver is required to present a printed version of the policy.

Is the driver required to show insurance?

It's fast and free! Table of contents:

1 What must be presented to the traffic police inspector
2 Responsibility for violating traffic rules
- 2.1 Purchasing a new car
3 Electronic version

What must be presented to the traffic police inspector All issues related to civil liability insurance are covered in the Law “On Compulsory Motor Liability Insurance”. It contains the obligation to present a compulsory insurance policy in three cases:

in case of an accident;
violation of traffic rules;
at the time the vehicle is deregistered.

However, this contradicts the responsibilities of drivers described in the traffic rules.

Am I required to show my insurance to the traffic police officer?

Let us remind you that according to the traffic rules, every driver must be insured and have a compulsory motor vehicle liability insurance agreement (compulsory insurance of civil liability of vehicle owners). Is the driver required to present insurance 2) vehicle registration certificate. This document indicates the owner of the car, place of registration, date of issue and other information important for the traffic police officer 3) MTPL insurance policy.

Attention

This type of insurance is mandatory, so everyone who owns a car is required to have it with them. Moreover, it is obvious that the policy must be valid - the terms, you must also be included in it. Do I have to show insurance to inspectors? Good afternoon.

In accordance with clause 2.1.1 of the Traffic Rules, approved by the Decree of the Government of the Russian Federation of October 23, 1993.

403 - access denied

How to present an electronic MTPL policy to a traffic police officer Before the introduction of electronic policies, each driver was required to carry a MTPL form certified by the insurer on sheet A4. After presentation, the traffic police officer checked the validity of this document and checked it with the information on the driver’s license. Now drivers are required to carry a printout of their electronic MTPL policy with them.
At the request of the traffic police officer, it will be enough to show it. In the absence of compulsory motor liability insurance or its expiration, the inspector may issue a fine in the amount of 800 rubles (removal of license plates and towing of the car were abolished in 2014). How will the inspector check e-OSAGO? The procedure for checking an electronic MTPL policy is similar to a regular policy.
If, after examining the e-OSAGO, the inspector has any questions, he can contact the IMTS or the RSA database (the latter is also available for drivers).

Presentation of an electronic insurance policy to a traffic police officer

Possible problems when using an electronic OSAGO policy During the period of creation of services, the process of obtaining and using e-OSAGO had a large number of difficulties. Thus, only some insurers had a purchase option on their website, and if they did, there were constant problems with the service. In addition, many companies deliberately prevented the introduction of such an opportunity: with online registration, it will not be possible to sell the vehicle owner insurance with a large number of additional services.

For a long time now, traffic police inspectors have not checked drivers’ technical inspection cards (diagnostic cards). But what about the MTPL insurance policy? Do I need to present it to the traffic police officer? Are there any situations when the traffic police inspector does not check the MTPL policy? What should you do if an employee asks you to hand over the policy to him for verification? What should those who insure civil liability using an electronic policy do?

The legislative framework

According to paragraph 1 of Article 4 of Federal Law No. 40 “On compulsory civil liability insurance of vehicle owners,” all car owners are required to enter into a compulsory motor liability insurance agreement. Otherwise, the car is not allowed to drive on public roads. At the same time, paragraph 2.1.1 of Article 2 of the Road Traffic Rules established that when driving a vehicle, the driver is obliged to have with him and hand over to the traffic police inspectors upon request, including an MTPL insurance policy. However, the traffic police officer must have sufficient grounds to be able to check the driver’s documents. Paragraph 106 of the Administrative Regulations of the State Traffic Safety Inspectorate determined that such grounds include:

Recorded violation of traffic rules;
Availability of vehicle orientation;
Carrying out promotions and special operations aimed at preventing road accidents and reducing the severity of the consequences of road accidents;
Violation by the driver of the requirements for ensuring the proper level of safety on the road (excessive tinting of windows, “playing checkers”, etc.).

In addition, clause 84.13 of the Administrative Regulations specifically stipulates that the traffic police inspector has every right to stop a vehicle in order to check the driver’s documents for the right to drive a vehicle and documents for the car itself. In practice, this means that, if desired, the traffic police inspector can always find a reason to check the driver’s documents and he will not have the right to refuse him.

Liability for lack of insurance

Responsibility for the lack of a compulsory motor liability insurance policy is determined by Article 12.3 of the Code of Administrative Offenses. Paragraph 2 of this article states that in case of failure to provide a police officer with an MTPL policy, the driver faces a fine of 500 rubles or a warning. At the same time, paragraph 2 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation determined that if the driver drives a vehicle for which a compulsory motor liability insurance contract has not been concluded, the fine is 800 rubles without the possibility of replacing the fine with a warning. Also, paragraph 1 of the same article determined that if the vehicle is driven in violation of the requirements established by the car insurance contract (the car is driven by a driver who is not included in the insurance, or the car is driven during a period of time not covered by the insurance), the driver will be fined in the amount 500 rubles.

Features of an electronic document

From January 1, 2017, car owners had the opportunity to buy an electronic OSAGO policy. To do this, you need to go to the official website of the insurance company, fill out the appropriate form, pay for the policy and submit the application. But in this case, the insurer is not obliged to provide the client with a paper version of the policy. In fact, when driving a vehicle, the driver is left without a compulsory motor liability insurance policy, for which liability is provided under paragraph 2 of Article 12.3 of the Code of Administrative Offenses of the Russian Federation (a fine of 500 rubles or a warning). However, paragraph 124 of the Administrative Regulations of the State Traffic Safety Inspectorate determined that the driver can transfer to the traffic police inspector a printed version of the electronic OSAGO policy. That is, the driver needs to download the electronic policy he purchased (the insurance company sends it to the specified email) and print it on a regular printer.

Also, as of 2018, traffic police inspectors are testing a service for checking whether a driver has MTPL insurance policies without providing a paper version. That is, the employee enters data about the car into the search bar and the system provides information about the presence (absence) of a compulsory motor liability insurance policy and its conditions (permitted period of use of the vehicle, the number of persons included in the insurance, etc.). This innovation is primarily dictated by the widespread use of electronic MTPL policies and the fact that car owners do not always print out a paper version of the insurance.

Basic verification rules

The employee who stopped the vehicle must approach, introduce himself and state the reason for the stop. If this reason does not coincide with the above, the inspector does not have the right to check whether the driver has an MTPL policy. For example, if the car was stopped in order to attract the driver as a witness, in order to assist other road users, and so on.

If the reason for the stop coincides with the above, the inspector may require documents from the driver. He, in turn, is obliged to transfer them immediately. Clause 53 of the Administrative Regulations determined that documents are accepted from the driver without covers and holding devices. This means that the inspector has the right to take documents and go with them to a patrol car (stationary patrol post) to check all the necessary information against the database.

Knowledge of the basic rules and laws in our country can make life much easier for the driver. Today we will consider the issue of the legality of presenting an insurance policy to a traffic police officer.

It is not uncommon for traffic police officers to require a driver to present an insurance policy, and many drivers do not know the law on compulsory insurance. » unquestioningly fulfill their demands.

Iron arguments

The question of whether a driver is obliged to hand over documents to the traffic police officer who stopped his car worries many. A conscientious motorist, of course, has nothing to fear. If he has no outstanding fines and has not violated anything, then checking his documents is an empty formality. Another issue is that inspectors are not always conscientious. So, sometimes there are cases when a document handed over to a traffic police officer mysteriously “disappears”, and the driver is forced to pay a fine, and then also restore the papers at his own expense.

What documents must be provided to the traffic police officer?

The driver of a vehicle, while driving, must have with him documents that give him the right to drive a car or other type of transport. The task of traffic police officers is to ensure traffic safety on the roads, and therefore you may be stopped to check compliance with the Traffic Rules and driving documents.

You can include as many persons in your MTPL insurance policy as the vehicle owner wishes.

When do you need to show the traffic cop your insurance?

According to Art. 21.2 Law on compulsory insurance…. traffic police officers have the right to demand that you present your civil insurance policy only if a report on an administrative violation is drawn up against you, or when filing materials about an accident.

Is the driver required to show insurance?

2) vehicle registration certificate. This document indicates the owner of the car, place of registration, date of issue and other information important for the traffic police officer.

3) MTPL insurance policy. This type of insurance is mandatory, so everyone who owns a car is required to have it with them. Moreover, it is obvious that the policy must be valid - the terms, you must also be included in it.

Do I have to show insurance to inspectors?

Good afternoon. In accordance with clause 2.1.1 of the Traffic Rules, approved by Decree of the Government of the Russian Federation of October 23, 1993 No. 1090, the driver of a motor vehicle is required to have with him and, at the request of police officers, hand over to them for verification: a driver’s license or temporary permit for the right to drive a vehicle of the appropriate category; registration documents for this vehicle, and if there is a trailer, also for the trailer; in established cases, permission to carry out activities for the transportation of passengers and luggage by passenger taxi, waybill, license card and documents for the transported cargo, and when transporting large, heavy and dangerous goods - documents provided for by the rules for the transportation of these goods; insurance policy of compulsory civil liability insurance of the vehicle owner in cases where the obligation to insure one’s civil liability is established by federal law.

According to traffic regulations, the driver is required to have an MTPL policy with him.

The bottom line: According to the traffic rules, the driver is required to carry an MTPL policy with him and hand it over to the police for verification. The amount of fines for driving without an insurance policy depends on the availability, validity of the policy, and the full name entered.

Traffic police fine 800 rubles. removal of license plates if the MTPL policy has not been issued or has expired Failure by the vehicle owner to fulfill the obligation established by federal law to insure his civil liability, as well as driving the vehicle if such compulsory insurance is known to be absent: a fine of 800 rubles.

Rules and techniques for communicating with the traffic police or what to do if you are stopped by a traffic police inspector

The ability to find a common language with a traffic police inspector in tandem with compliance with traffic rules can in some way be called an art. It will be very useful for car owners who use their vehicles every day to master this art, since no one is immune from unpleasant surprises on the road. This article is something like an action algorithm for a driver who is stopped on the road by a traffic police inspector.