Administrative liability for the absence of a compulsory motor liability insurance policy

Fine for driving without insurance in 2020

Are you looking for what fine you can get for driving without insurance (MTPL) in 2020? On the website you can find information about the lack of compulsory motor liability insurance in 2020 for individuals.

Purchasing an MTPL policy is a mandatory procedure for motorists. Unfortunately, according to RAS, more than 2.5 million drivers are in no hurry to get insurance. The conditions for obtaining compulsory motor liability insurance are prescribed by law, but 10% of car owners ignore their responsibilities for a number of reasons. Moreover, desperate daredevils are not afraid of the consequences - independent compensation for damage in the event of an accident and an impressive fine from law enforcement agencies.

Procedure for checking an MTPL policy

Despite the mandatory conditions for obtaining insurance, checking the MTPL policy is not a routine procedure. The traffic police inspector has the right to require the car owner to have documents only if:

The driver is a direct participant in the accident.
The car was stopped by an inspector due to violations of safety requirements (high percentage of glass tinting, unregulated headlights).
The vehicle has an official identification.
A planned event is being carried out on the roads by the traffic police service as part of the prevention of emergency situations.

Based on the above conditions, the driver has the right to challenge the inspector’s requirement to provide a compulsory motor liability insurance policy. However, it is better to have documents confirming compulsory insurance available.

Legal actions of a traffic police officer in the absence of insurance

The only lawful decision of the traffic inspector in this case can only be to draw up a protocol on the administrative violation. Outcomes such as:

Payment of the fine, any transfer of funds on the spot.
Confiscation of driver's license and license plates.
Sending the vehicle to the impound lot.

Every car owner must know his rights and use them correctly in the event of violations by a traffic police officer.

OSAGO: original or electronic document

Situation: there is insurance, but only in electronic form. Is it legal for the traffic inspector to draw up a protocol? To resolve this issue, let us turn to the legal framework. According to Article 32 of the Federal Law “On compulsory insurance of civil liability of car owners,” the driver has the right to provide the state traffic inspector with both the original insurance and an electronic version of the document in PDF format.

Is video recording of violations due to lack of insurance valid?

Yes, in test mode the video registration process is carried out in the city of Moscow. Recording of administrative violations by car owners is associated with cases of absence of an insurance policy or its expiration. After the end of the test mode, motorists will begin to receive official warnings and fines.

Penalties for lack of insurance

Penalties for driving without a compulsory motor liability insurance policy are established by the Code of Administrative Offenses of the Russian Federation. For 2020, only monetary penalties appear among them. The amounts of fines are shown in the table.

Responsibility for the lack of a compulsory motor liability insurance policy in 2018-2019

The responsibility for concluding a compulsory motor liability insurance policy is assigned to drivers in connection with the adoption of Federal Law No. 40-FZ “On compulsory civil liability insurance of vehicle owners.” But if earlier the cost of an MTPL policy was on average 3,000 rubles, then due to an increase in tariffs, the cost of the policy has increased significantly - on average 3-4 times. You can read about the new rules for calculating the cost of a compulsory motor liability insurance policy here.

Now, in order to save the family budget, the driver is increasingly thinking about the need for further renewal of the policy and the responsibility for driving without a policy. Due to the fact that each policy is concluded for a certain period (usually for a period of 1 year), upon expiration of the period the policy is considered expired, that is, it is invalid. According to the law, there is no concept of an expired policy. Responsibility for an expired policy is the same as for driving without a policy, that is, for its absence.

Insurance legislation provides for the possibility of concluding a compulsory motor liability insurance policy for a certain circle of persons (drivers) allowed to drive a vehicle, as well as for different periods of use of the vehicle.

Responsibility for the absence of an MTPL policy, for the use of cars during a period not covered by the policy, as well as for a driver not included in the policy, is provided for by the Code of Administrative Offenses - Article 12.37 of the Code of Administrative Offenses of the Russian Federation.

Fine for not having an MTPL policy in 2018-2019

Administrative legislation provides for responsibility for:

Driving a vehicle during the period of its use, not provided for by the insurance policy of compulsory civil liability insurance of vehicle owners, entails a fine of 500 rubles (Part 1 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation). In this case, the liability will not be for an expired MTPL policy, but for using the car during a period not covered by the policy , if the validity period has not expired. So, in order to save money, you can limit the period of use of the car. For example, if the car will be used for only 3 months, then the cost of insurance will be half that of insurance for a year. In this case, the policy period will be equal to 1 year, and driving a car is possible only during the period provided for by the policy.
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 a fine of 500 rubles (Part 1 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation). That is, driving a driver who is not included in the policy . Here it is necessary to warn drivers that since a power of attorney for the right to drive is not required (the policy acted as a document containing information about persons authorized to drive a vehicle), in the absence of a policy, the driver must have a power of attorney.
The fine for driving without an MTPL policy is slightly higher and amounts to 800 rubles (Part 2 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation).

If the driver forgot the insurance policy at home or in another place, the liability will be under Part 3 of Art. 12.3 of the Code of Administrative Offenses of the Russian Federation, and the fine in this case will be 500 rubles (see the table of traffic police fines). In order to be involved in this particular part, it is necessary for the traffic police inspector to prove that in fact the car is insured and there is a compulsory motor liability insurance policy, but at the moment the inspector stopped the car there was no policy in the car. The appropriate evidence in this case will be a copy of the policy.

In the absence of evidence of the existence of a policy and in the absence of a policy, the traffic police inspector has legal grounds to draw up a protocol under Part 2 of Art. 12.37 Code of Administrative Offenses of the Russian Federation.

If there is a policy, and the driver is held liable under Part 2 of Art. 12.37 of the Code of Administrative Offenses of the Russian Federation, then the driver must write objections in the accident report with disagreement in the qualifications under this article in connection with the presence of a policy. It is also necessary to write a written request to set a day and time for another day, on which it will be possible to present the original MTPL policy and, while the case is being considered, to apply for reclassification of the offense under Part 3 of Art. 12.3 Code of Administrative Offenses of the Russian Federation.

Please note that the detention of a vehicle in the absence of an MTPL policy and the removal of license plates in accordance with current legislation do not apply. There is no provision for deprivation of a driver's license in the absence of a policy.

Fine for lack of MTPL insurance in 2019 - punishment for driving with a missing MTPL insurance policy

An MTPL policy is as important a document as a driver’s license, but many drivers think differently. Today we will talk about the fine for driving a car without insurance in 2019 according to the new rules, consider various situations and under what circumstances you can avoid administrative liability.

What are the dangers of driving a vehicle without an MTPL insurance policy after purchasing a car?

On April 25, 2002, the era of compulsory motor liability insurance began to exist, but still not everyone believes that it is necessary to purchase a policy; a quarter of all drivers are more inclined to purchase CASCO insurance.

According to paragraph 2.1.1 of the traffic rules, to drive a car you must have insurance.

2.1.1. Carry with you and, at the request of police officers, hand over to them for verification:

a driver's license or temporary permit to drive a vehicle of the appropriate category or subcategory;
registration documents for this vehicle (except for mopeds), and if there is a trailer - also for the trailer (except for trailers for mopeds);
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;
a document confirming the fact of disability, in the case of driving a vehicle on which the identification sign “Disabled” is installed;
an insurance policy of compulsory civil liability insurance of the vehicle owner or information printed on paper about the conclusion of a contract of such compulsory insurance in the form of an electronic document in cases where the obligation to insure one’s civil liability is established by federal law.

In cases directly provided for by the legislation of the Russian Federation, have and submit for verification to authorized officials of the Federal Service for Supervision in the Sphere of Transport an access card for a vehicle for international road transport, a waybill and documents for the transported cargo, special permits, if available, In accordance with the legislation on highways and on road activities, it is allowed to drive on highways a heavy and (or) large vehicle, a vehicle transporting dangerous goods, and also provide a vehicle for weight and dimensional control.

According to this paragraph, the MTPL policy should always be at your fingertips along with other documents. Sometimes, due to simple inattention to the availability and validity of an insurance policy, a driver may face an administrative fine for lack of compulsory motor liability insurance in 2019.

Therefore, after purchasing a car, you must first obtain an insurance policy; without it, the car will not be registered with the traffic police. In order to visit the insurance company, you are given 10 days, during which there is no penalty for not having an MTPL insurance policy.

When the right to own a vehicle arises (acquiring ownership of it, receiving it for economic or operational management, etc.), the owner of the vehicle is obliged to insure his civil liability before registering the vehicle, but no later than ten days after the right to own it arises. (as amended by Federal Law dated July 1, 2011 N 170-FZ)

Part 2 of Article 4 of the Federal Law of April 25, 2002 No. 40 - Federal Law

It should be noted that a very important fact is that administrative responsibility does not apply to a certain group of people.

The obligation to insure civil liability does not apply to owners of:
a) vehicles whose maximum design speed is no more than 20 kilometers per hour;
b) vehicles that, due to their technical characteristics, are not subject to the provisions of the legislation of the Russian Federation on the admission of vehicles to participate in road traffic on the territory of the Russian Federation;
c) vehicles of the Armed Forces of the Russian Federation, other troops, military formations and bodies in which military service is provided, with the exception of buses, cars and trailers for them, other vehicles used to support the economic activities of the Armed Forces of the Russian Federation, other troops , military formations and bodies;
(clause “c” as amended by Federal Law No. 77-FZ dated June 23, 2003) d) vehicles registered in foreign countries, if the civil liability of the owners of such vehicles is insured under international insurance systems;
(as amended by Federal Law No. 306-FZ dated December 1, 2007, No. 223-FZ dated July 21, 2014) e) trailers for passenger cars owned by citizens;
(paragraph “e” was introduced by the Federal Law dated December 1, 2007 N 306-FZ) f) vehicles that do not have wheeled propulsors (vehicles in the design of which tracked, half-tracked, sleigh and other non-wheeled propulsion systems are used), and trailers for them. (clause “e” introduced by Federal Law dated July 21, 2014 N 223-FZ)

Part 3 of Article 4 of the Federal Law of April 25, 2002 No. 40 - Federal Law

The obligation to insure civil liability does not apply to the owner of a vehicle whose liability risk is insured in accordance with this Federal Law by another person (the policyholder).

Part 4 of Article 4 of the Federal Law of April 25, 2002 No. 40 - Federal Law

In all of the above cases, administrative liability does not arise. Now we will consider situations when fines are issued, and we will also tell you the threat of driving without a compulsory motor liability insurance policy.

What is the fine for driving without MTPL insurance in 2019 if you forgot your policy at home?

You are stopped by a traffic police officer and, at his request, you hand over your documents to him. Paying attention to his facial expression, you realized that you forgot the insurance at home. It is not at all difficult for an inspector to check its presence, therefore, in this case, the amount of the traffic police fine is determined by part 2 of article 12.3 of the Code of Administrative Offenses of the Russian Federation.

Driving a vehicle by a driver who does not have documents for the right to drive it, an insurance policy of compulsory insurance of civil liability of vehicle owners, with the exception of the case provided for in Part 2 of Article 12.37 of this Code, and in cases provided for by law, a waybill or freight transport documents (as amended by Federal Law dated July 24, 2007 N 210-FZ, dated July 1, 2011 N 170-FZ, dated October 14, 2014 N 307-FZ, dated June 8, 2015 N 143-FZ) entails a warning or the imposition of an administrative fine in in the amount of five hundred rubles. (as amended by Federal Law dated June 22, 2007 N 116-FZ, dated July 23, 2013 N 196-FZ)

Part 2 of Article 12.3 of the Code of Administrative Offenses of the Russian Federation

If the inspector unreasonably tries to hold you accountable under Part 2 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation, but you have a valid insurance policy, you need to appeal it within 10 days after receiving the protocol.

What is the penalty for driving without MTPL insurance in 2019?

If you are one of those people who deliberately do not purchase an insurance policy or simply missed the expiration date, which led to the policy being overdue, then a fine of 800 rubles is provided.

Failure by the owner of a vehicle to fulfill the statutory obligation to insure his civil liability, as well as driving a vehicle if such compulsory insurance is known to be absent, shall entail the imposition of an administrative fine in the amount of eight hundred rubles. (as amended by Federal Law dated June 22, 2007 N 116-FZ, dated July 23, 2013 N 196-FZ)

Part 2 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation

This fine applies to both persons with expired insurance and persons who have no insurance at all.

What is the fine if there is no MTPL insurance for a car or motorcycle during a certain period?

For residents of some regions, an insurance scheme for a certain period is very relevant, for example, only for summer-autumn. The insurance itself is issued for a year, but it is valid only for a certain period.

But it happens that autumn is delayed or spring has come much earlier, and you can’t miss these days, since no one has canceled work at the dacha, and for motorcyclists riding is like a breath of fresh air. Consequently, hoping for luck, drivers of certain vehicles hit the road.

If an inspector catches you during a period not covered by your insurance policy, the fine will be only 500 rubles.

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 shall entail the imposition of an administrative fine in the amount of five hundred rubles (as amended by Federal Law dated June 22, 2007 N 116-FZ, dated July 23, 2013 N 196-FZ)

Part 1 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation

Although the fine is not large, you should not tempt your fate.

What is the liability for a repeated fine for driving a car without compulsory motor liability insurance?

According to the Code of Administrative Offenses, there are no sanctions for repeated driving of a vehicle without a compulsory insurance policy.

Consequently, every time you come across an inspector without compulsory motor insurance, you will be issued the same fine each time, depending on the situation due to which you are driving a car without a policy.

Fine for lack of MTPL insurance in 2019 for legal entities

Any legal entity or individual entrepreneur has the full right to issue compulsory motor liability insurance for its vehicle fleet, for each car separately. In addition, after registration of compulsory insurance, a legal entity has the opportunity to issue an additional policy (DSAGO), which insures against a significantly larger number of risks.

However, if one of the drivers of a corporate car does not have insurance with him, then the fine will be imposed on him and not on the legal entity. Based on this, we can conclude that the individual entrepreneur or organization does not bear any responsibility if the driver does not have a policy.

If you work on cars in such an organization, then after receiving the decision, you have every right to appeal it and recover the full amount of the fine from the company or employer.

Will license plates be removed for driving without MTPL insurance in 2019?

According to the Federal Law of October 14, 2014 No. 307 - FZ, part 2 of Article 27.13 of the Code of Administrative Offenses of the Russian Federation was repealed; now, for lack of insurance, license plates from the violator’s car are not removed, and the vehicle is not sent to the impound lot.

No matter how much you would like to evade the law so as not to pay extra money, you cannot escape fate. To avoid this, I advise you to insure your car on time, because you never know when you will get into an accident.

Fine for driving without insurance in 2019-2020 – new MTPL rules are being discussed in the State Duma

The State Duma of the Russian Federation again raised the issue of increasing the fine for the absence of an MTPL policy. This measure is forced - without it, further adequate development of the road accident insurance system is impossible.

Latest news - the fine for driving without insurance may increase in 2020. The new law may be adopted before the end of the autumn session of the lower house of parliament.

Why do they want to increase the fine?

Today, the cost of an MTPL policy consists of a certain number of factors, such as:

type of vehicle;
region of registration of the owner;
number of years of accident-free driving;
driver's experience and age;
car power (in hp);
number of permitted drivers.

Insurance for an indefinite group of people will cost more, but it allows you to drive someone else’s car without the owner. But even the cheapest MTPL policy options cost from 3,000 rubles and more.

For a long time, thrifty drivers had the opportunity to slightly reduce the cost of insurance due to the absence of a coefficient for participation in an accident during the previous year. Each insurance company had its own base. Therefore, it was enough to change the insurance company so that the increasing coefficients would not apply. Today the database is unified, so it is simply impossible to hide the presence of accidents throughout the year.

Then economical drivers took a different route. In order to avoid paying traffic police fines for driving a car without a compulsory motor liability insurance policy, drivers began buying fake policies en masse only to present them to a traffic police officer when necessary. In the event of an accident, such a policy will, of course, have no benefit. Demand creates supply - there are a lot of opportunities on the Internet to buy a compulsory motor liability insurance policy “without coverage”. This piece of paper is suitable for a traffic police officer. However, it causes a lot of problems for those involved in road accidents. It is impossible to obtain any compensation under such a policy. It is these counterfeits that the new fine for driving without an MTPL policy in 2020 for individuals must fight against.

The presence of valid MTPL policies for all road users will allow the insurance industry to develop in this area. For example, now in the event of an accident you can not call the traffic police, but draw up a European protocol. The amount of compensation reaches 400,000 rubles. In some cities, it is already possible to file an accident via a smartphone if the appropriate application is installed and there is registration on the government services portal. All this significantly saves time for those involved in an accident. However, the new rules do not make sense if one of the drivers does not have real insurance.

If the person at fault for an accident suddenly finds himself without insurance for the car, then the damage caused will have to be recovered personally from the driver in court. The main difficulty is that in the event of an accident, the other driver cannot immediately determine whether the culprit has a fake policy or not. It is in order to protect honest drivers and make the procedure for processing documents in the event of an accident simple and fast, in 2020 they want to increase the fine for driving without compulsory motor liability insurance (MTPL) insurance several times.

OSAGO reform in 2020

We will tell you what the fine for driving without insurance is in 2019, and what may change in 2020.

Today the fine is only 800 rubles. This is at least 4 times less than the cost of the cheapest policy. No other measures are provided. Until 2014, drivers without car insurance were prohibited from driving. The car was sent to the impound lot. It was possible to return the vehicle only after purchasing an MTPL policy. There are no such strict measures now. Driving without insurance in 2019-2020 is punishable under Article 12.37 of the Code of Administrative Offenses of the Russian Federation, which only provides for the payment of a fine.

Legislators believed that increasing the fine would have an effective impact on the fight against driving without insurance. New rules may be adopted in 2019-2020. A fine of 5,000 rubles is being actively discussed in the State Duma. On November 18, 2019, changes to the law on compulsory motor liability insurance will be considered. We should also pay attention to amendments to Article 12.37 of the Code of Administrative Offenses of the Russian Federation. If the issue of increasing the fine is put on the agenda, then most likely it will be increased as of January 1, 2020.

Why is it necessary to increase the fine? Legislators considered that if the size of the fine was commensurate with the cost of the new policy, then drivers would not be tempted to purchase counterfeits and take risks. It will be more profitable for them to immediately buy real insurance.

At the same time, they will improve ways to identify drivers without insurance. The car number will be recorded by the camera. Will check it against the database. If insurance is not purchased for the vehicle, the car owner will receive a fine. Therefore, a fake policy will not help in this case. During the day, the camera will be able to record the same car several times. What does this mean for the driver? Payment of a fine, the amount of which may be several times greater than the cost of the policy. This method should help:

draw up European protocols in the event of an accident without fraudulent actions by one of the parties (there is no real policy);
register an accident through the application;
Always receive compensation from the insurance company, and not collect a sum of money through the court from the person responsible for the accident.

What exactly will be the fine for driving a vehicle without insurance so that it brings the desired result will be decided by the State Duma in the near future.

Fine for driving without insurance in 2019 (with additions from 10/31/2019)

There are 5 types of fines for driving without insurance. This was a complete surprise for me.

And oh HORROR! A fine for driving without an MTPL policy can be issued an infinite number of times in 1 day!

But the good news is that you can pay the fine in the amount of 50%, read how and where in the article.

Types of fines

Watch how the driver caught the traffic police officers being illiterate while trying to draw up a report for driving without an insurance policy.

In the table I have given a brief statement of violations and responsibility for them, you can download the table and attach it to your car documents, I think it will not harm you:

From November 15, 2014, if there is no insurance for the car, the traffic police inspector is PROHIBITED from removing license plates and prohibiting the operation of the vehicle.

Now let's look at each point in more detail with excerpts from the Code of Administrative Offenses of the Russian Federation.

Fine for driving without insurance in 2019

This assumes that you have an MTPL policy (it is valid and you are included in it), but for some reason you forgot to insure your home.

The punishment for driving without compulsory motor liability insurance is a warning or a fine of 500 rubles (Article 12.3, Part 2 of the Code of Administrative Offenses of the Russian Federation).

Until 2019, you will be punished in the same way if you have not printed out the electronic OSAGO policy.

Now this is becoming a thing of the past and it is enough to show the E-OSAGO inspector on your smartphone or call his number, and they independently check the policy using the OSAGO database.

Fine for lack of insurance

The situation is more complicated if there is no insurance at all, the fine is 800 rubles . (Article 12.37. Part 2. Code of Administrative Offenses of the Russian Federation).

Until November 15, 2014, driving a car without insurance threatened to have the car towed and license plates removed. I am glad that this terror was canceled.

Penalty for expired insurance

Please note that the administrative code of the Russian Federation does not contain the concept of expired insurance.

If your compulsory motor liability insurance policy has expired, then this is EQUALIMATED to LACK OF INSURANCE.

Driving with expired MTPL insurance is punishable by a fine of 800 rubles .

There is no need to throw away an expired MTPL policy; it may be required in the future to restore the CBM.

Penalty for driving outside the period of use

To be honest, I myself did not immediately understand what the point was. But it turns out everything is as simple as always.

Let's take an example: you took out a MTPL policy for 1 year, with the period of using the vehicle from April to October, in the so-called summer season.

But it turned out that you had to get behind the wheel in December. This is what driving will be like outside the period of use.

In fact, it turns out that you have a policy (valid for 1 year), but the period of use is from April to October.

Driving a car outside the period of use threatens you with a fine of 500 rubles . (Article 12. 37. Part 1. Code of Administrative Offenses of the Russian Federation).

Not covered by insurance

“What is the fine if it’s not included in the insurance?” many drivers are surprised, because in fact there is insurance, well, it’s not included, yes, but the car is insured.

Alas, in Russia at the moment it is not the car that is insured, but the driver’s liability to other road users.

And if your car is driven by a driver who is not listed in the insurance, but he has a license, for example, your wife was driving you from friends or a friend was driving, then the fine if not included in the insurance is 500 rubles . (Article 12.37. Part 1. Code of Administrative Offenses of the Russian Federation).

Fine for driving without insurance for an organization

For organizations, as for individuals, the fine is the same. That's why:

fine for lack of compulsory motor insurance for legal entities - 800 rubles;
The fine for driving without insurance for an organization is 500 rubles.

Let us remind you that driving without insurance is when you have a policy, but you forgot it at home (at work), and the absence of compulsory motor liability insurance is when the policy was not issued AT ALL!

The nuance of insurance for legal entities is that MTPL is issued for corporate cars without restrictions, so that in case of dismissal of the driver, the policy does not have to be reissued each time.

But if an organization wants to receive a discount for accident-free operation, i.e. In order for the insurance company to take the CBM into account, then when applying for a compulsory motor liability insurance policy, each driver must be included in it.

In this case, when the driver is fired, you will need to go to the office of the insurance company and add a new driver to the policy. Or you can add the driver to the MTPL electronic policy on the insurer’s website.

How many times can you be fined for driving without insurance within 24 hours?

We are often asked how many times a traffic police inspector has the right to fine you within 24 hours for lack of insurance.

Legal norms exclude the possibility of issuing 2 or more decisions on the imposition of administrative punishment in the same case.

Those. If you were stopped by a traffic police inspector and issued a fine for lack of insurance, then this is a completed offense and you cannot be fined for it a second time.

But if you continued driving after 10 km. You are stopped by a traffic police inspector and issues a fine again for lack of insurance, then this is a new offense (different time, different place of the offense, etc.) and this can continue repeatedly!

Since, in accordance with clause 2 of Article 19.2 of the Federal Law “On Road Safety”, operating a vehicle without insurance is prohibited!

“It is prohibited to operate vehicles whose owners have not fulfilled the obligation established by federal law to insure their civil liability.”

Based on the above, the actions of the traffic police officer in this situation are legal. And you urgently need to purchase an MTPL policy!

How to avoid paying traffic police fines in full

I will say right away that it is possible not to pay traffic police fines in full on legal grounds. True, not all, but insurance fines are among them.

Don't be afraid, you are not breaking any law and nothing will happen to you for it.

The state , in order to increase collections to the treasury, gave conscientious payers a 50% discount on fines . Federal Law No. 437.

You can pay the fine with a 50% discount within 20 days from the date of the decision on the administrative violation.

Note! Within 20 days from the date of the decision, and not from the moment the offense was committed!

Payment of the fine with a discount must be made in advance, since it will take several days for the transaction to credit the fine to the account.

And if the money is credited within 21 days, the discount will be canceled and you will have to pay the fine in full.

Now, if a traffic police officer stopped you on the road and drew up a report on an administrative violation, then it is not difficult to track the start of the period within which you can pay a fine with a 50% discount.

What to do if the crime was recorded by a video camera?

Here you can give only 2 pieces of advice:

Register on the government services portal and link your phone number in your personal account. And in the future, all notifications about fines will be sent to your phone.
At least once every 10 days, check whether a fine has been issued to you or not using special services on the Internet. I would recommend doing this at the traffic police service.

And there is one more little trick!

Since there have been difficulties with obtaining an MTPL policy for the past 2 years, traffic police inspectors are much more loyal to drivers without a MTPL policy. And if you don’t “get into the bottle”, but just complain to him that insurers don’t want to sell insurance like that, like I’ve been stuck in an electronic queue for 3 days, but I needed to go urgently, etc. etc., then in the end you can save at least 550 rubles on this.

Ask how? Yes, very simple. The inspector may issue you a fine not for lack of insurance AT ALL, but for driving without insurance, and this is 500 rubles. instead of 800 rub. And if you take advantage of the 50% discount, you will end up paying 250 rubles, not 800. Not bad, right?

Attention! This trick should not be abused.
It works only because it is now difficult to buy a compulsory motor liability insurance policy. REMEMBER! You buy compulsory motor liability insurance to insure your liability, and not to “get rid of” the traffic police officer!

How to check and pay a fine

You can pay the fine in 2 ways:

These methods have nuances.

Not all banks accept payments for traffic police fines.
There is a commission, it is small, 40-60 rubles, but mandatory.
You will receive a check in your hands, which will be confirmation of payment of the fine.

What are the fines in the USA?

In the US, driving without insurance is very costly for drivers. Our fines compared to theirs are the little things in life.

They do not have a uniform punishment system and the amount of fines varies from state to state, but for example, the state of Colorado can evaluate their punishment system:

A fine of $500, or our 31,500 rubles, for the first time you are caught driving without insurance, and your driver's license will be suspended until you show proof that you have purchased insurance.
A fine of $1,000 or our 63,000 rubles for the second time and suspension of the driver's license for 4 months.
A fine of $1,000 or our 63,000 rubles for the third time and suspension of the driver's license for 8 months.
For the fourth time, my driver's license was revoked.

Community service is also often added to fines; the duration of work is up to 40 hours.

They have such cool morals.