Fine for not having a compulsory motor insurance policy: what awaits violators this year? Penalty for lack of compulsory motor insurance. Are license plates removed for driving without compulsory motor insurance insurance?

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Are you wondering how much the fine will be for driving without insurance? Be sure to read the presented material.

Fine for driving without insurance in 2019

800 rub.

Article of the Code of Administrative Offenses 12.37 part 2

Driving without a compulsory motor liability insurance policy is gradually becoming one of the most common violations of traffic rules. The trend is associated with the reform of the auto insurance industry and a significant increase in prices for compulsory motor liability insurance policies.

What is the fine for driving without insurance in 2019? The answer to this question is more correctly divided into two components. If you, in principle, do not have a valid MTPL policy - there is no insurance as such, in accordance with Article 12.37 Part 2 of the Code of Administrative Offenses of the Russian Federation, a traffic police officer will issue the driver a fine for lack of insurance in the amount of 800 rubles (400 rubles if repaid within 20 days) .

If you do have insurance, it has not expired, but your name is not there - a fine for driving without insurance in 2019 under Art. 12.37 Part 1 of the Code of Administrative Offenses of the Russian Federation will be 500 rubles or 250 rubles for urgent repayment.

What is the criminal penalty for driving without insurance? Unfortunately, in some rare cases, the MTPL policy, or rather its illegal imitation, can result in a criminal case and even a real prison sentence.

Let us make a reservation once again: such cases are negligibly rare. However, to this day, by purchasing an excessively cheap MTPL policy on a dubious form somewhere in the crossing, a motorist runs the risk of being charged under Part 3 of Art. 327 of the Criminal Code of the Russian Federation “Forgery, production or sale of counterfeit documents, state awards, stamps, seals, forms.” For serious progress in this case, the investigation will have to prove your direct participation in the “production and sale” of counterfeit documents. This is quite difficult, but it still happened in some places in the country.

How much is the fine for driving without insurance? Formally, as follows from the previous text, the maximum is 800 rubles - in the case when there is no insurance at all and it is repaid without a discount. A minimum of 250 rubles in the case where the fine is issued for “not being included” in the compulsory motor liability insurance policy and is repaid no later than 20 days from the date of drawing up the verdict.

However, the question “how much is the fine for insurance” can be answered in another way - if an uninsured car has an accident with an expensive foreign car, its owner will have to pay for huge repairs at his own expense. In case of avoidance of responsibility, a driver who saves on full-fledged car insurance risks being left without property, the right to cross the state border, and numerous other troubles. In this case, saving several thousand rubles will come back to haunt you.

What is the fine for not having insurance if you drive a car in a city full of traffic police cameras? The question is really interesting - after all, modern automation hypothetically has the ability to compare car license plates with insurance databases and identify cars that do not have valid insurance. At the moment in Russia, work on traffic police cameras that punish for the lack of a compulsory motor liability insurance policy has been suspended for bureaucratic reasons, but if officials agree among themselves, nothing else will prevent it from earning money at any time. And fines for driving without insurance will fall on the unfortunate driver like from a cornucopia. Contrary to myths, currently nothing prevents traffic police officers from issuing as many fines as they like for the lack of a compulsory motor liability insurance policy per day.

If we are talking about myths associated with fines for missing or expired insurance, we note that there have been no changes in legislation on this topic. the fine for insurance from January 1, 2019 is no different from the fine for insurance in 2016 - 800 rubles in case of absence and 500 in case there is a legal policy, but your name is not on it.

Changes regarding the system of distribution of MTPL policies among motorists are likely to occur. But the vector of change is now difficult to track. There are differing opinions both among experts and among legislators. Some people are populistly proposing to give people the right to decide the issue of insurance, decoupled from strict government regulation. Other opinions, on the contrary, link the issue of insurance with issues of traffic flow management.

If any changes happen, then they will most likely try to link the fine for insurance in 2019 to the number of traffic violations committed by a motorist per year. There really is a logic to this - if a motorist is systematically caught speeding, running red lights and making U-turns in oncoming traffic, the chance of being the culprit of a serious accident certainly increases.

However, there are many snags here too. Firstly, it is difficult to determine the criteria by which a truly dangerous driver differs from a motorist who logs a lot of annual mileage. Secondly, it is difficult to separate urban drivers from rural ones - traffic police traditionally issue fewer fines outside cities than in megacities.

Another innovation in the field of insurance fines in 2019 may lie in the digital field. Major officials responsible for developing strategies in the field of traffic rules have taken a course towards abandoning paper documents, digital OSAGO policies are already a reality, perhaps digital information about the presence or absence of auto insurance policies will also move into the digital area in the near future. The fine for driving without insurance in 2019, as already mentioned, may also come under the control of photo-video recording equipment.

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:

Sometimes a citizen is forced to travel by car without having the appropriate documentation confirming the fact of having a compulsory insurance policy. In such a situation, it is important to know the limits of responsibility, clearly assess the situation, and understand the consequences. To do this, you need to figure out what the penalty for driving without insurance is today?

The legal norms, namely the Federal Law “On compulsory civil liability insurance of vehicle owners,” indicate that every person driving a vehicle must be insured. In fact, contrary to many misconceptions, a person does not insure the car, but personal liability.

This obligation applies to owners of all types of transport that are used in Russia. The only exceptions are objects that are expressly specified by law (for example, bicycles).

The person's liability is insured, that is, in case of damage to the property of third parties, damage to life or health, the damage is compensated not from the personal funds of the perpetrator, but by the insured - the company with which the corresponding agreement was concluded. For driving without insurance, the driver faces punishment under the Code of Administrative Offenses.

Liability for lack of insurance

The legislator has established certain sanctions for violating the requirements for the driver to have appropriate documentation. However, the limits of liability may vary depending on the circumstances:

Actual lack of insurance (not taken out at all).
The driver is not listed on the existing document (identification of specific drivers is not required if a so-called “unlimited” policy is used).
The contract is expired (its validity period has expired).
The driver does not have compulsory motor liability insurance in his hands, but was issued in accordance with the requirements of the law.

The limit of liability of the driver or owner of the vehicle will depend on the actual situation. In any case, driving without insurance has its consequences.

If the owner of the vehicle purchased the document via the Internet, he is not required to have a printed version with him. Inspector in the insurer's database.

Also, the car owner must remember that it is impossible to insure the vehicle in the absence of a vehicle inspection certificate. This document will be required both when drawing up a contract in the office and when drawing up via the Internet.

Penalty for the actual absence of a policy

If there is no insurance at all, then the consequences arise on the basis of Article 12.37 of the Code of Administrative Offenses (second part). The guilty person is fined for lack of insurance, which is equal to 800 rubles. Previously, until 2014, the lack of a document entailed additional punishment - the car was subject to evacuation, and the license plates were removed from it.

If the driver was not included in the policy

If, in fact, an agreement on compulsory motor liability insurance exists, but the person who is driving someone else’s car was not indicated in it, then he is subject to administrative liability in accordance with Article 12.37 (part 1). The penalty for driving without insurance in such a situation is 500 rubles.

The policy has expired

Before determining how long you can drive with expired insurance, you need to understand the consequences of this act.

At the moment, the legislation does not contain the concept of an expired OSAGO document at all. In fact, driving with expired insurance is the same as driving without it. Accordingly, administrative liability arises, the size of the sanction will be eight hundred rubles.

In some cases, the contract is drawn up for a certain period of use. As a rule, the policy is issued for a year, but a certain period is indicated when the vehicle can be used. If a car (or other equipment) is used outside this period, the citizen will have to pay a sanction in the amount of five hundred rubles.

The driver does not have a policy at the time of movement

If the document was nevertheless drawn up, but for some reason the person does not have it in hand while traveling, then the fine for such an act will be 500 rubles. However, a traffic police officer can issue a warning; the Code of Administrative Offenses norm allows this.

Table of fines for lack of insurance in 2020

Type of violation	Amount of fine in rubles
The document was issued, but the driver does not have it	Part 2, art. 12.3, 500 rub. or a warning
The policy was not issued	Part 2 12.37, 800 rub.
Insurance expired	Part 2 12.37, 800 rub.
The person drove a car outside the permitted period	Part 1 12.37, 500 rub.
The citizen is not listed as an insured person	Part 1 12.37, 500 rub.

It turns out that the fine for lack of insurance will vary from 500 to 800 rubles.

Is it possible to pay less?

Having committed an offense for which a fine is provided, there is the possibility of some savings. In this case, the “discount” is provided absolutely officially, regardless of whether the expired insurance is paid for or the fact of its absence during the movement. This innovation was included relatively recently and requires a fifty percent payment within a period of no more than twenty days from the date the fine was issued.

Payment of half the fine is possible for all offenses related to driving vehicles, with the exception of those expressly specified in the law.

What other sanctions can be applied?

According to the new rules, two types of sanctions can be applied for driving without insurance - a fine and a warning. The vehicle cannot be sent to an impound lot; this measure was canceled back in 2014. Also, the vehicle was previously subject to a ban on operation, which was also cancelled.

It is worth remembering that a warning can be issued only in one case - if the vehicle manager forgot to take the document with him, but he actually has it. However, in this case, the traffic police officer can impose a sanction in the amount of five hundred rubles on the guilty person, everything will depend on the specific circumstances.

Companies have long been talking about the need to increase penalties for violating MTPL rules. Despite numerous discussions on this issue, the punishment has not yet been increased and remains at the same level.

If a citizen is involved in an accident, his guilt has been established, and there is no document on compulsory motor liability insurance, then the injured person has the right to compensation for the damage incurred in civil law. The guilty person will compensate for losses in the amount and on the terms established by the court.

Is it possible to drive without insurance? Obviously not. Failure to have a document confirming insurance, regardless of the reason, entails consequences. However, the reason may affect the size of the sanction. In any case, the driver is recommended to always have a valid OSAGO document or not to use the vehicle, because in the event of an accident, civil liability may be applied to him in the form of compensation for damage to the injured person.

The fine for driving without MTPL insurance in 2020 can be from 500 to 800 rubles. You may only receive a warning.
In this material we will consider in what cases and what the driver faces.

In 2015, the cost of compulsory motor liability insurance was significantly increased, in 2019 the cost increased again for many drivers, as a result, drivers began to massively ignore the requirement to insure their civil liability. Accordingly, the question arose about what fine you will have to pay if you are stopped by an inspector. The first thing he will require is the documents that you must provide in accordance with paragraph 2.1.1 of the Traffic Rules.

Requirements of the Traffic Rules for presenting an MTPL policy

2.1. The driver of a motor vehicle is obliged to:

2.1.1. Carry with you and, upon request, hand over to police officers for inspection:

insurance policy of compulsory civil liability insurance of the vehicle owner or printed on paper
information on the conclusion of such compulsory insurance agreement
in the form of an electronic document in cases where the obligation to insure one’s civil liability is established by federal law.

The insurance policy or information about the electronic policy is required to be submitted to the inspector.

But what to expect when there is no compulsory motor liability insurance policy? Read the article to the end to avoid becoming a victim of a scam by unscrupulous inspectors.

If you issue an electronic policy, it is enough for the inspector to present a printed copy of the electronic document.

First, let's define what the abbreviation OSAGO is - Mandatory Insurance AutoCivil Liability. Please note that the driver does not insure property, but his own liability. Those cases when he will be financially responsible to another person. At the time of the insured event, the driver must have a valid MTPL agreement with the insurance company, issued in his name and corresponding to the vehicle that the driver is currently driving. Or a policy without restrictions.

Situations when there may be no compulsory motor liability insurance policy

There are various reasons why the driver is not able to transfer the insurance policy to the inspector. Depending on the specific situation, the fine for driving without insurance will be different amounts or you may only receive a warning.

Absence of an insurance contract in principle, an illegally purchased policy not in the database;
An expired policy, a policy in which another person is included, a policy in which another vehicle is included;
If you do not have the insurance contract with you, it is forgotten, lost, or other reasons that do not allow it to be handed over to the inspector on the spot.

Each case provides for a separate fine - this is important to know, since the inspector can impute any of these cases.

What is the fine for driving without MTPL insurance?

Liability for the first case is provided for in Part 2 of Article 12.37:

Failure by the owner of a vehicle to fulfill the obligation established by federal law to insure his civil liability, as well as driving a vehicle if such compulsory insurance is known to be absent, -
a fine of 800 rubles.

The second case is more loyal to the driver and is described in Part 1 of Article 12.37:

Driving a vehicle during the period of its use, not provided for by the insurance policy of compulsory insurance of civil liability of vehicle owners, as well as driving a vehicle in violation of the conditions stipulated by this insurance policy for driving this vehicle only by the drivers specified in this insurance policy -
entails the imposition of an administrative a fine of 500 rubles.

In the third case, you may be left without a fine at all on legal grounds and receive only a warning. Part 2 of Article 12.3 is about this:

1. Driving a vehicle by a driver who does not have registration documents for the vehicle, and in established cases, documents provided for by the customs legislation of the Customs Union, with marks from customs authorities confirming the temporary import of the vehicle -
entails warning or imposition of administrative a fine of 500 rubles.

Can a car be towed for lack of compulsory motor insurance?

No, they do not have the right, this security measure is regulated by Part 1 of Article 27.13 of the Code of Administrative Offenses of the Russian Federation and the above articles are not mentioned in it.

Can they rent rooms for lack of compulsory motor insurance?

No, they do not have the right, this security measure was regulated by Part 2 of Article 27.13 of the Code of Administrative Offenses of the Russian Federation and was excluded on November 15, 2014.

If I am not at fault for an accident and I do not have compulsory motor liability insurance, am I entitled to payments from the insurance company?

Yes, you will. As we noted at the beginning of the article, it is not property that is insured, but liability. If there is no fault in an accident, the culprit is liable to you and the insured event occurs only to the culprit. You will only receive a fine under one of the above articles. There is no civil liability to the guilty participant in an accident.
You can draw a simple and logical conclusion: to avoid a fine for not having MTPL insurance, you just need to purchase an insurance policy. In 2018, online services for obtaining insurance are already operating stably. Using the form below, you can issue an MTPL policy within 15-20 minutes without leaving your home.

The MTPL policy is a very important document, just like a driver’s license. However, many drivers neglect this point.

This article will discuss the fine for driving a car without an MTPL policy in 2017.

When you purchase a car, you must take out an insurance policy; without it, the car will not be registered with the traffic police.

Let's consider one important point if the driver forgot the MTPL policy at home. In this case, he has insurance and the driver is included in it. Then the punishment for driving without insurance is provided for in Part 2 of Article 12.3 of the Code of Administrative Offenses and will be punishable by a fine of 500 rubles or a warning.

If the driver’s data is not included in the OSAGO policy

In this case, we are talking about when the car was driven by a person who was not included in the OSAGO policy. This is an administrative offense.

The fine for a driver not included in the insurance in 2017 is 500 rubles.

Article 12.37 of the Code of Administrative Offenses of the Russian Federation Failure to comply with the requirements for compulsory civil liability insurance of vehicle owners.

Driving a vehicle during the period of its use, not provided for by the insurance policy of compulsory insurance of civil liability of vehicle owners, as well as driving a vehicle in violation of the conditions provided for by this insurance policy for driving this vehicle only by the drivers specified in this insurance policy - entails the imposition of an administrative fine in the amount five hundred rubles.

Thus, if the driver is not included in the MTPL policy, the fine will be 500 rubles.

The amount of the fine in the absence of compulsory motor liability insurance in 2017

If the owner of the vehicle has not taken out a compulsory motor liability insurance policy at all, then he faces a fine of 800 rubles.

Well, if there is only one owner of the car, and another was driving, then a fine will be imposed on both of them (Part 2 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation). The owner of the car will receive a fine for not having compulsory motor third party liability insurance, and the driver will receive a fine for driving without a policy.

Fine for an expired MTPL policy in 2017

A more serious offense is considered to be driving a vehicle with an expired MTPL policy.

This happens when a driver forgets to renew his insurance.

The fine for expired car insurance is 800 rubles.