Volkswagen 

Driving a vehicle without an insurance policy. What is the penalty for driving a car without insurance (MTPL policy)? Documents that a motorist must carry with him

Compulsory state insurance has become a very important aspect for every motorist, since without a compulsory motor liability insurance policy it is incredibly unpleasant to get into even a minor road accident, not to mention a serious accident. And a meeting with a traffic police officer does not bode well for a driver who has decided not to take out automobile liability insurance. Lack of insurance does not qualify as a serious violation; rights are not deprived for this violation, nor are they prohibited from operating the vehicle. It’s just that the driver’s budget will have 800 rubles less money for each meeting with a traffic police officer.

A fine is also expected if there is insurance, but the driver is not included in it. For such non-compliance with legal norms, you will have to pay a more moderate amount - 500 rubles. Agree, if you receive a fine every time, even for such a small amount, it is much more profitable to take out insurance and receive a kind of immunity from such unpleasant encounters with the guardians of law and order. Today we will talk about all the intricacies of a violation in the absence of compulsory motor third party liability insurance for a car.

The first case is a stop by a traffic police officer for a violation or for inspection.

Many people believe that stopping a vehicle by traffic police is unlawful if the driver of the car has not violated anything. In fact, the police can stop any vehicles, and the basis may be a suspicion of violation of traffic rules, an inspection of vehicles of a specific brand, or the presence of other suspicions of the inspector. Therefore, there is no point in arguing when stopping.

Any stop first of all is fraught with a document check. If the inspector determines that you do not have a compulsory automobile civil liability insurance policy of the established form, the conversation with you will continue in the traffic police car or at the post where a protocol on the violation will be drawn up. The driver's actions should be as follows:

  • do not interfere with the verification of documents, which may lead to more serious consequences than the imposition of a fine;
  • monitor the correctness of all actions, based on administrative norms and protocols;
  • ensure that the data in the offense report drawn up by the inspector is filled out correctly;
  • make life easier for yourself and the police by signing the box indicating your agreement with the violation;
  • pay the fine within the time limits provided by law using any convenient method;
  • take out a compulsory motor liability insurance policy from a licensed company, and include all drivers who will drive the car in the policy.

On the Internet you can find advice that talks about disputes and courts, the possibility of not paying a fine and not being subject to an offense. From personal experience, experienced drivers say that any disputes with an inspector who sees a guaranteed opportunity to issue a traffic violation report will not lead to success. It is also extremely rare for a fine to be overturned by a court, and you will spend more on costs than on paying the imposed sanction.

It is also worth completely eliminating bickering with the inspector. Friendly conversations won’t help here either; it’s better to just leave the distance at the inspector-driver level. Perform your duties as a vehicle driver, then the police will not have any complaints against you. In most cases, a complete set of documents after a stop by an inspector will result in the absence of unpleasant moments and fines.

The second case is an accident and the absence of a compulsory motor liability insurance policy

If your car gets into an accident, a compulsory insurance policy will be a necessity. Today it is possible to draw up a European protocol, according to which, since 2015, almost all accidents have taken place without serious injuries or deaths of participants. A European protocol can only be issued if both participants in the incident have a current MTPL policy. Otherwise, you will have to call the traffic police and fill out several reports at once.

If the injured party to the accident does not have a policy, the driver will have to pay a fine for lack of insurance on a general basis. However, the at-fault party's insurance company must still pay compensation to the victim. Some insurance companies try to play on this aspect in court, but the law clearly interprets this situation in favor of the injured participant in the accident. If the guilty party does not have a policy, there will be much more problems:

  • you will have to pay a fine of 800 rubles for lack of insurance, as in any other case;
  • restoration of the injured party’s car in court will be transferred to the driver who caused the accident;
  • communication with the traffic police will be significantly complicated by the fact that a complete package of documents is not available;
  • the driver faces serious financial problems in restoring two cars, as well as paying a fine;
  • any registration actions with the car or further registration of the incident will always require an MTPL policy.

Therefore, we recommend that you do not joke with this rule of compulsory insurance, but take out an up-to-date policy that has legal force and will bring significant relief in the event of an accident. Once you receive the necessary documents in your hands, traveling by car will no longer be constantly dangerous. It is much more pleasant to be sure that any traffic situation will not turn into a huge number of unpleasant problems for you.

Many believe that compulsory motor liability insurance is an incorrect and completely imposed feature of insurance. However, every day billions of rubles are paid out under these policies, and drivers save their family budget by getting into an accident. Remember that on the road not everything depends only on your skills and knowledge. It often happens that the culprit of an accident followed all the rules and had no intent, but the road situation turned out that way.

Recently, problems with obtaining compulsory motor liability insurance policies have become more frequent. See these difficulties and solutions to problems in the following video:

Let's sum it up

The idea of ​​MTPL is quite sound and reasonable, but it began to be implemented in Russia not so long ago. Therefore, it is much easier to buy the right and effective insurance policy and get complete protection on the road. You never know which car is destined to “catch up” on a slippery road, and sometimes you are not the culprit of the damage that occurs. However, it is the driver of the car who will have to pay the money to the injured party if there are problems with compulsory motor liability insurance.

We also strongly recommend that you apply for insurance policies only from reliable and large companies that are listed in the TOP-20 insurance companies in the country. Otherwise, you can end up with the insurer, who, through the court, will annul their liability and force the driver to pay for the restoration of the car of the injured party. Which insurers have you had problems with in your experience, and which companies can you work with without fear?

What is the fine for driving without insurance in 2018 and without a technical inspection according to the Code of Administrative Offenses of the Russian Federation 2018 with the latest amendments? Size, exact amount. Latest news for today.

The MTPL policy in our country is a mandatory document that should be in the arsenal of any car owner. The absence of compulsory motor liability insurance can result in serious problems and unwanted expenses. In this article, we will look at which violations are subject to fines in 2018, and also determine the amount of payment in the absence of a compulsory motor liability insurance policy.

What is a compulsory motor liability insurance policy for a car?

OSAGO is a mandatory policy that insures the civil liability of its owner. You should pay special attention to this and keep in mind that such a policy does not provide insurance for the property of its owner.

This means that compulsory motor liability insurance provides insurance payments only in cases where the culprit of the emergency is its owner. The injured party receives financial compensation, the insurance company assumes full responsibility for the payment, and the policy owner does not bear any expenses.

However, this only happens if at the time of the accident the driver has a compulsory motor liability insurance agreement concluded with an official insurer. It must be issued in the name of the person responsible for the accident and registered specifically for the vehicle that was involved in the accident. An alternative option is unlimited compulsory motor liability insurance, which also covers all expenses.

What is the fine for driving without insurance in 2018? What does the law say (Administrative Code of the Russian Federation 2018 with latest amendments)?

A couple of years ago, the price of a compulsory MTPL insurance policy increased noticeably, which led to corresponding results: many car owners stopped using insurance services and began to be subject to numerous penalties provided for by law. To save on compulsory insurance, you can buy compulsory motor liability insurance online, having previously calculated the cost of the policy for all insurance companies using a calculator and choosing the best option.

Let's consider the basic rules and rights of traffic police officers and drivers, established officially:

  1. The traffic police officer has the right to demand from the driver a document confirming his civil liability insurance.
  2. The driver is required to have an insurance policy with him and, if necessary, present it to the authorized bodies.

It turns out that the absence of compulsory motor liability insurance is a violation for which penalties are provided.

What is contrary to the law and what are fines for?

It happens that the car owner cannot show a document confirming his insurance. Under some circumstances, he may get off with a warning, but in most cases, a fine will be levied for the lack of compulsory motor liability insurance. In 2018 it is provided for:

  1. Lack of compulsory insurance or the presence of a policy purchased illegally.
  2. Presentation of an expired insurance policy.
  3. Presentation of an insurance policy issued in the name of another person or issued for another vehicle.
  4. Not having an insurance contract with you.

It is important to remember that each of the above cases involves the payment of a specific penalty, which is absolutely legal.

Amounts of fines for lack of compulsory motor liability insurance in 2018

According to current legislation, the absence of compulsory motor liability insurance is punishable by the following fines:

  1. If the car owner does not have insurance at all, he is subject to a fine of 800 rubles. For timely payment within 20 days, a 50% discount is provided, and the fine in this case is 400 rubles.
  2. If a driver has an expired MTPL policy or presents a document drawn up without taking into account legislative norms, he is subject to a sanction of 500 rubles.
  3. If the car owner cannot present the requested document directly on the spot, he will be subject to a fine of 500 rubles. Another option provided for by law is an official warning.

It is important to note that all data above is current as of 2017. However, according to official statements, no legislative changes are expected in 2018, and all penalties remain the same.

Punishment for driving without compulsory motor liability insurance in 2018. Nuances and main provisions

Not all drivers trust traffic police officers, considering some of their actions unlawful. Let's look at the main cases and determine the rights of drivers:

  1. If the vehicle owner does not have an MTPL policy, the vehicle will not be towed.
  2. If the vehicle owner does not have an MTPL policy, the license plates will not be removed from his vehicle.
  3. If a driver who does not have a compulsory motor liability insurance policy is the injured party in the event of an accident, he is still entitled to an insurance payment.

Fine for lack of MTPL insurance in 2018. Conclusion

Lack of insurance is punishable by a fine of 800 rubles. It is important to note that driving a vehicle without an MTPL policy entails not only financial, but also time costs. If such a violation is detected, the car owner will have to spend time completing documentation, paying a fine, etc. To avoid unnecessary problems, it is advisable to purchase a compulsory motor liability insurance policy in a timely manner.

In addition, in the event of an emergency, such a policy covers all costs associated with compensation for damage caused to the injured party. If you don't have it, you have to pay out of your own pocket. In this case, it is much more profitable to purchase an MTPL policy on time, avoiding unnecessary problems and feeling more confident on the roads.

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, Yeysk, 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 2019 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 2019:

Content

When buying a vehicle, every driver is faced with the problem of obtaining an MTPL policy. Many people allow themselves to travel without it for more than 10 permitted days. There are as many reasons as there are drivers, but all of them are punishable by an administrative fine.

What is driving without insurance?

The MTPL policy is not available in several cases:

  • the policy has been issued, but the driver does not have it;
  • the driver is a person whose name is not on the document;
  • the paper was not completed;
  • the document is expired.

Having an MTPL policy is mandatory and is regulated by the following documents:

  • Traffic rules;
  • Federal Law No. 40;
  • Code of Administrative Offenses of the Russian Federation.

Fine for lack of insurance

It happens to many drivers that they are inside a vehicle without proof of insurance. However, the document is drawn up and is valid, but the motorist forgets it at home. In this case, the traffic police representative may give the motorist a warning or apply sanctions to him - a fine. In 2019, the penalty for lack of insurance inside a vehicle is 500 rubles.

Penalty for expired insurance

As most drivers who fill out insurance documents know, a car insurance policy is issued for exactly 1 year. Drivers who do not intend to use their vehicle throughout this period can reduce the validity period of their compulsory motor liability insurance policy. For example, summer residents take out car insurance from April to September. Insurance under such conditions will cost less, but it is not allowed to operate the car for a period not specified in the document.

Many people are interested in how long they can drive after their MTPL insurance ends. It is better not to wait for this period, but to start processing a new form in advance. If the inspector catches you driving during this time, he has the right to fine you for driving without insurance in the amount of 500 rubles. When an insurance form is expired, for example, you forgot to renew your policy, the violation is considered more serious. Then the negligent driver will be fined in the amount of 800 rubles.

For driving without insurance in someone else's vehicle

While driving, various situations may arise. For example, a motorist cannot control his vehicle. If there is a person nearby who is capable of driving a car, but is not included in the document, he can get behind the wheel. However, this is considered a violation. In this case, the traffic police officer may present you with a fine for a driver not included in the insurance. The amount of such payment will be 500 rubles.

Fine for lack of compulsory motor liability insurance

There are still drivers who deliberately do not want to purchase a car insurance policy. In this case, the absence of a document is considered as a failure to fulfill the citizen’s obligations to insure his liability. A person who obviously does not have insurance is a violator. This is worth remembering for everyone who drives their car. As a result, you can receive a fine for driving without insurance equal to 800 rubles.

What is the fine for expired insurance in an accident?

When driving without documents, you are at constant risk of getting a ticket for driving without insurance, as it is considered a traffic violation. You will have to spend especially large amounts of money if you get into an accident. In this situation, it does not matter whether you are the culprit or the victim. The motorist is charged a fine for not having an MTPL policy, which is equal to 800 rubles.

If you cause an accident, in addition to the fine for driving without insurance, you must pay for the damage to the victim's vehicle yourself. Payment for moral compensation is similarly paid from one’s own wallet. The amount of damage will be determined by an independent commission, to which the victim has the right to appeal. The funds will be recovered from the culprit through the court, so it is better to avoid such situations.

How and where to pay a fine for driving without compulsory motor liability insurance

There are several ways to pay the fine for driving without an insurance form. For example, using the Internet:

  • on the official website of the traffic police;
  • through the government services website;
  • in Sberbank Online;
  • using the e-wallet service.

To pay a fine for driving without insurance, you need to fill out a special form on the selected website. After checking all the data, transfer the funds. In the form you must enter the number of the receipt that the inspector gave you. A payment made this way will save you from waiting in line, but you may lose additional money on commissions. In addition, you will not receive confirmation of receipt of funds.

It is also possible to make a payment through a bank. People who are not used to trusting the Internet or SMS banking can pay a fine for driving without insurance at the bank. Nuances:

  1. Not every bank provides this service. It’s easy to determine which financial institution is best to visit using the Federal Treasury website.
  2. Payment without a commission is impossible, but it is small, less than 50 rubles.
  3. The bank will issue you a check confirming the transaction, giving you additional assurance that the foreclosure will be repaid.

Is there a penalty for driving without insurance?

Many people are concerned about the consequences of driving without insurance. Today, this violation is punishable by a monetary penalty, the amount of which is determined by the reason why the policy is missing. One driver cannot be issued more than 2 tickets per day. There is no other penalty for failure to comply with insurance-related liability. A trial awaits the car owner if he is the culprit of the accident, but he did not have insurance paper.

(No Ratings Yet)

Many car owners forget that “insurance” is one of the documents that must be presented to the traffic police officer upon his request (clause 2.1.1 of the Traffic Rules).

Many car owners forget that “insurance” is one of the documents that must be presented to the traffic police officer upon his request (clause 2.1.1 of the Traffic Rules). And even though the inspector cannot remove the driver from driving a vehicle for the absence of an MTPL policy, as is allowed if the driver is unable to present a driver’s license or a Vehicle Registration Certificate, this situation makes it possible to impose penalties on the violator. Their size is established by the relevant articles of the Code of Administrative Offenses and depends on the circumstances that caused the violation of the law.

An MTPL insurance policy may be missing for several reasons:

  • “forgot at home” - it is implied that the driver filled out the document with the insurance company, and the insurance itself is valid (not expired);
  • lack of MTPL insurance due to the fact that the driver simply did not apply for it;
  • the car owner has insurance, but it is expired;
  • the car owner has insurance, but uses the document outside its validity period;
  • the car owner has insurance, but his data is not included in the document (the OSAGO policy is issued to another person).

What is the fine for driving without insurance in 2019?

The fine for driving without MTPL insurance is 800 rubles. From January 1, 2019, there are no changes in fines for lack of compulsory motor liability insurance.

There are two important caveats here:

  1. For drivers who have a valid MTPL policy, but have shown banal forgetfulness (“forgot the documents at home”), traffic police officers can meet halfway and replace the fine with a warning. This became possible after a unified database was launched, to which every inspector today has quick access. Accordingly, the violator will not be able to deceive the official in any way, just as he will not have to convince him of the presence of a valid document.
  2. Inspectors do not have the right, in the absence of compulsory motor liability insurance, to remove the license plate from a car or to evacuate the vehicle, explaining this by a ban on its operation. Such regulations were abolished on November 15, 2014, but today, unfortunately, they are often used by criminals in uniform against drivers who are not familiar with the current legislation.

About some features of the procedure for bringing to administrative liability in the absence of a compulsory motor liability insurance policy

Many motorists who believe that the fines for not having MTPL insurance are insignificant deliberately avoid the procedure for completing this document. Let us remind you that without a visit to the insurance company and obtaining an MTPL or CASCO policy, the owner of the car will not be able to register it with the traffic police. In addition, 2 articles of different regulations prohibit being on public roads without this document:

  • clause 2 art. 19.2 of the Federal Law “On Road Safety” – “operation of a vehicle without insurance is prohibited”;
  • Clause 2.1.1 of the Traffic Regulations - “driving a car can only be carried out if you have valid insurance.”

Being a law-abiding citizen and having completed all the documents on time, you can always count on the leniency of a traffic police officer if you forgot the document at home. If you demonstrate sincere repentance and point out to the inspector that the current situation is rather an exception to your rules, and you really accidentally forgot your documents at home, you are guaranteed to get off with a warning and instructions to be more careful next time. And vice versa, any attempts to deceive a traffic police officer or disrespectful attitude towards a person during execution will make the logical result of issuing a protocol on an administrative offense.

It is also worth paying attention to the fact that the twelfth article of the Code of Administrative Offenses equates expired insurance to the absence of an MTPL insurance policy. The fine in both cases will be 800 rubles. Thus, arguments that you have always regularly purchased an insurance policy for a number of years and only today forgot to renew it will not have any influence on the inspector. Moreover, he will have to be guided by the current regulations, which do not provide for any other alternative to the fine provided for in Part 2 of Art. 12.37 Code of Administrative Offenses of the Russian Federation.

Other special cases, when a driver operates a vehicle outside the validity period of the insurance policy or is not included in it, also have their own characteristics, and in some cases they even allow one to avoid a seemingly inevitable fine of 800 rubles.

Operation of a vehicle outside the period of validity of the insurance policy

Part one of Article 12.37 of the Code of Administrative Offenses of the Russian Federation obliges drivers who use their vehicles for a period not included in the insurance to be fined in the amount of 800 rubles. Those car owners who take out annual policies with a limited validity period find themselves in such situations. For example, using a car only in the summer, the insured person can apply for compulsory motor liability insurance only for June-August, thereby saving on insurance costs. If such a driver is caught by a traffic police inspector in any other month of the year, he will be required to pay a fine. This suggests that when applying for a policy with an insurance company, you need to clearly determine the period of validity of the annual insurance, and in the event of force majeure, be prepared for penalties.

Fine if the driver is not included in the insurance

Russian legislation obliges insurers to enter into OSAGO the data of those persons who insure their motor third party liability. And only these citizens fall under the protection of the insurance company and can count on its help in the event of an insured event. Traffic police officers are required to fine persons who are not included in the insurance issued for the vehicle they are driving. Moreover, even the fact that the person included in the policy is traveling in the same vehicle as a passenger will not protect you from paying a fine of 800 rubles (Part 1 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation). Thus, only someone who has insured their civil liability and can confirm this with the appropriate document can drive a car.

It is worth making a reservation here: Russian laws allow the transfer of the right to drive a vehicle to a person not included in the MTPL insurance policy, but only if he has a power of attorney issued on behalf of the owner of the car. In addition, such a document does not require either notarization or compliance with any special form of its content. The main thing is that the power of attorney contains the data of the owner of the car and the data of the person to whom he trusts the right to drive. Here you should indicate the data on the vehicle and reflect the list of authorities. Thus, if we take into account that such a power of attorney can be drawn up literally with the owner of the car and a blank sheet of paper, then we can assume that if the document is quickly drawn up when the vehicle is stopped for inspection by a traffic police officer, a potential violator will be able to avoid a fine. Should you expose yourself to the unnecessary risk of being fined? Before setting off, spend a few minutes drawing up a power of attorney and don’t be afraid of meeting with the inspector!

Repeated fine for lack of MTPL insurance

Situations in which a driver carries with him expired insurance for a long time or does not have a compulsory motor liability insurance policy at all and is caught by a traffic police officer several times during the day often raise an inevitable question among motorists: can an inspector fine under the same article again? The situation is controversial, but only for those who are not familiar with the current legislation at all or are partially familiar with it. Let us turn to the current norms: paragraph 5 of Article 4.1 of the Code of Administrative Offenses of the Russian Federation prohibits bringing a citizen to administrative responsibility twice for the same administrative offense.

So, you set off in a car without insurance, were stopped at a traffic police checkpoint and paid a fine. At the same time, a protocol was drawn up against you as a violator - a document confirming the opening of an administrative case. The above-mentioned article often misleads drivers, because, guided by paragraph 2 of Article 19.2 of the Federal Law “On Road Safety,” any inspector has the right to fine for operating a vehicle without insurance. That is why, having driven 5 kilometers from the traffic police post and caught a second time by another inspector, you will become a defendant in another case of an administrative offense. Another, since it will be committed at a different time and under different circumstances (place of the offense). And here the inspector has every right to issue a new protocol. Any appeal against these actions of an official will not incur any consequences in relation to him, which means you must understand that for the lack of insurance when checking documents you will bear administrative responsibility every time.

Amount of fine for repeated violation

The above table of fines for drivers who do not have an MTPL insurance policy is exhaustive, including when a citizen is brought to administrative liability again. This means that the legislation does not provide for any coefficients or increases in the amount of the penalty for repeated violations.

Important: from the beginning of 2016, new Traffic Rules came into force in the Russian Federation, which provide a 50% discount for those payers of fines who managed to pay the money within 20 days after the protocol was issued (there are restrictions on the types of violations). Accordingly, having received a receipt for the amount of 800 rubles (no insurance or an expired policy), you can promptly pay the fine at the nearest bank branch, and this will cost only 400 rubles. This norm is designed for persons exercising civil responsibility.

Why do you need insurance?

Compulsory civil liability insurance for car owners is a measure aimed at helping those who are involved in an accident. Unfortunately, not all road users realize the need for such “care” on the part of legislators, but only until the moment they themselves become involved in an accident. Let us remind you that thanks to the MTPL policy, the culprit of an accident most often does not have to compensate for the damage to other participants in the incident, since the amount of payment for this type of insurance can reach 400,000 rubles.