What is the penalty if your car insurance is expired?

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Fine for expired insurance, consequences in case of an accident: what happens if you expire your car insurance

If your MTPL policy has expired, what consequences await you if you get into an accident with expired insurance or are stopped by traffic police? From the article you will learn what will happen if you overstay your car insurance, including if the insurance has expired and an accident occurs. We will tell you about the fine for expired insurance and how the amount of the fine for an expired MTPL policy is affected by the period of use of the car and the insurance period.

Will there be a penalty for expired insurance?

By law, car owners are required to insure the risk of their civil liability, which may arise as a result of causing harm to the life, health or property of others when using vehicles. Failure to fulfill this obligation entails the imposition of an administrative fine.

But is it possible to drive with expired insurance? How long can you overdue compulsory motor insurance? Is there a penalty for expired insurance? Answers to these questions can be obtained by familiarizing yourself with the legislation. At the moment, after the expiration of the insurance period, no grace period is given for concluding a new MTPL insurance contract. Therefore, the answer to the question “what will happen if you are stopped with expired insurance” is that you will be punished in the form of a fine for driving with expired insurance. Also, a driver with an expired compulsory motor liability insurance policy faces possible negative consequences in the event of an accident (more on this at the end of the article).

Expired insurance: period of use and insurance period

In order to find out what the fine is for expired insurance and what will happen if you get into an accident with expired insurance, you need to distinguish between the concepts of “period of use” and “insurance period”:

The insurance period or the validity period of the compulsory MTPL insurance contract is usually 1 year.
The period of use of the vehicle may be the same as the period of car insurance, or it may be less if a compulsory insurance contract is concluded taking into account the limited use of the vehicle. A period of use of a car that is shorter than the insurance period is possible with the so-called “seasonal use” of vehicles for three or more months in a calendar year. In this case, insurance applies only to insured events (accidents) that occurred during this period.

What to do if your insurance is expired

To avoid a fine for an expired MTPL policy and the possible negative consequences of an accident with expired insurance, you need to refuse to drive a car for which the MTPL policy has expired until you enter into a new insurance contract.

Is it possible to renew insurance if it is expired?

If the period of use of the car is ending, but the insurance period has not yet expired, then in order not to be fined and not to compensate for damage in an accident due to expired insurance, you need to inform the insurance company about increasing the period of use of the car beyond the period specified in the mandatory contract insurance. Please note that you are required to inform the insurer about increasing the period of use of the vehicle before the expiration of the period of use of the vehicle specified in the compulsory insurance contract.

If your car insurance period has expired, then you need to conclude a new insurance contract - purchase a new OSAGO policy

If you are overdue for compulsory motor insurance, are discounts lost?

What else does expired insurance threaten besides a fine and a negative outcome after an accident? Will the discount be lost if the insurance period has expired and a new contract has not been concluded? Currently, to calculate the cost of a compulsory motor liability insurance policy, a bonus-malus coefficient (BMC) is used, which increases or decreases depending on the accident rate in previous periods. To determine the class, information on compulsory insurance contracts that expired no more than one year before the start date of the insurance period under the compulsory motor liability insurance contract is taken into account. Therefore, if the insurance is overdue by 1 day, a month, or you have not concluded a new insurance contract for a certain number of months - up to a year, then the discount will remain. And if the compulsory motor liability insurance is overdue for a year or more, then the KBM is reset to zero.

If your insurance has expired, try to buy a new OSAGO policy as quickly as possible to avoid fines for expired insurance and possible consequences of an accident.

Penalty for expired insurance

As we have already found out earlier, the amount of the fine for overdue insurance is affected by whether the insurance period under the compulsory motor liability insurance policy has expired or the period of use during the insurance period has expired.

What is the penalty for expired insurance - the insurance period has expired

In this case, driving with expired insurance is equivalent to driving without insurance. Therefore, if the insurance is expired, the driver faces liability for driving a vehicle without insurance. For this violation, the punishment is provided for in Part 2 of Article 12.37 of the Code of Administrative Offenses, according to which “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, entails the imposition of an administrative fine in the amount of eight hundred rubles.” .

How much is the fine for expired insurance - the period of use of the car has ended, but the insurance period has not expired

The penalty for expired insurance in this case is different. According to Part 1 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation, driving a vehicle during the period of its use, which is not provided for by the insurance policy of compulsory civil liability insurance of vehicle owners, entails the imposition of an administrative fine in the amount of five hundred rubles.

Thus, at the moment, the fine for expired insurance is 800 or 500 rubles.

If your insurance expires and an accident occurs

A fine for expired insurance is not the most dangerous consequence of driving with an expired MTPL policy. What happens if you get into an accident and your insurance is expired?

The answer to this question depends primarily on whether you will be recognized as the culprit of the accident or the victim:

Expired insurance in case of an accident for an innocent participant

In this case, the victim will receive compensation from the insurance if the person at fault for the accident has a compulsory motor liability insurance policy (even if it is not included in the policy). Which insurance company you contact will depend on the following:

if the period of use of the vehicle has expired, but the insurance period has not expired, then the injured party, subject to the necessary conditions, needs to contact its insurance company for direct compensation of losses;
If the insurance period has expired, then the victim in an accident with expired insurance will have to contact the insurer of the person responsible for the accident for compensation for damage.

If the person at fault for the accident does not have insurance, then the damages will have to be recovered from the person responsible for the accident.

The person at fault for the accident has an expired MTPL policy

What happens if the person at fault for the accident has expired insurance? First, he faces a fine for expired car insurance. And, secondly, he will have to compensate the victim for damages. Upon completion:

period of use of the car (the insurance period has not expired), the injured party (even if the injured party is not included in the insurance) receives compensation under compulsory motor liability insurance. But subsequently, the insurance company of the culprit of the accident has the right to make a claim against him in the amount of the insurance compensation provided to the victim in a recourse procedure (as, for example, in the case of an accident committed by the culprit of the accident while intoxicated).
insurance period (the person at fault for the accident has expired insurance - he does not have a valid MTPL policy), the person responsible for the accident must pay compensation for the damage. In this case, you may have to draw up receipts (for compensation for damage, for receiving money for an accident), an agreement for an accident, a pre-trial claim, or, if the culprit of the accident has not paid compensation for damages for the accident, the victim will need to sue the culprit for the accident. accidents. The victim has the right to demand compensation for damage from the culprit of the accident in the amount of the cost of restoration repairs without taking into account wear and tear, in some cases loss of marketable value, as well as compensation for damage in the event of complete loss of the car.

Expired insurance : judicial practice

In the event of an accident with expired insurance, the culprit himself will have to compensate for the damage caused by the accident. If the person at fault for the accident has expired the period of use of the car, but the insurance period has not yet expired, he will face a recourse claim from his insurance company. If the culprit does not agree to make the payment, then he will face trial (Decision of the Rybinsk City Court (Yaroslavl Region) dated September 7, 2017 in case No. 2-2509/2017).

In some cases, with expired insurance (for example, when the victim is insured under CASCO and the claim is brought by the insurer who compensated the victim for damage under CASCO), the court can try to reduce the amount of the claim by conducting a forensic examination (Decision of the Bogorodsky City Court (Nizhny Novgorod Region) dated September 4 2018 in case No. 2-457/2018).

From the article you learned what will happen if you overstay your car insurance. If you are stopped by a traffic police officer, you will be punished by a fine for expired insurance; If your insurance expires and an accident occurs in which you are found to be at fault, you will have to compensate the victim for damages.

Penalty for expired insurance

Fines Online > Types of fines > Fine for expired insurance

New car owners often cannot figure out how best to insure their four-wheeled friend. What exactly should you apply for: OSAGO plus CASCO? Maybe one policy from these two options is enough? It is also not clear how seriously they will be punished if you do not take out insurance at all. And is it worth waiting for punishment if you were unable to include a specific driver in the policy? Also, if the insurance is expired, what is the fine? And if you get caught with expired insurance a second time, what will happen then? These issues need to be looked into more thoroughly.

How often should insurance be renewed?

It should be noted right away:

OSAGO - compulsory insurance;
CASCO insurance is voluntary.

If there is no CASCO policy, there is no penalty for this, since there is no reason for imposing a penalty. But the absence of compulsory motor insurance is already a misdemeanor. Even the abbreviation itself contains the word “mandatory”. The absence (delay) of this policy leads to the driver being punished.

The following practice has developed: usually car owners take out a MTPL policy for 1 year, then repeat the procedure. Not so long ago, it was possible to drive with an expired policy; this opportunity could be used for up to 1 month. But legislators realized that car owners were in no hurry to renew their insurance during the “preferential” month, and this useless monthly benefit was canceled.

At the present time, it is worth thinking about re-issuing compulsory motor insurance (extension) even before the policy becomes invalid. Updating your policy in advance allows you to:

insure yourself in case of an accident with serious consequences not in words, but in reality;
avoid imposition of a fine;
take advantage of a discount when renewing a document (although not all insurers establish this rule).

There was an accident, but the policy is “problematic”: what to do?

Let's consider the situation: a citizen is at fault for an accident, but does not have a valid MTPL policy (not issued, expired). The consequences can be presented in two ways.

Option one. The citizen responsible for the accident discusses the situation with the injured person and comes to an agreement with him. He manages to compensate for the damage on the spot, after which the participants in the accident disperse.

Important! When transferring money, you should receive a receipt. This document must clearly indicate for what purposes the money is transferred:

for car repairs;
in the form of compensation for the destruction of other property;
for restoration of health (for medicine, for rehabilitation), if as a result of the accident the victim’s health is too slightly damaged (abrasions, scratches).

The receipt must also indicate that the victim has no claims against the culprit of the accident. In such cases, representatives of the traffic police do not need to be called.

Option two. Participants in the incident call traffic inspectors, then the culprit of the accident without a valid MTPL policy will certainly be fined. In addition, he will be responsible for compensating the injured party. You will have to reimburse the entire amount yourself.

Let's consider the opposite situation: a citizen's car is damaged, and the real culprit of the incident does not have a compulsory motor liability insurance policy.

Firstly, if the damage is minor, it is worth immediately discussing the issue of compensation.

Secondly, if it was not possible to reach an agreement, then it is necessary to record each damage in detail. This documentary evidence of damages will be needed to present it to the judge.

Insurance expired (missing): what is the penalty?

In Russia, punitive measures applied in this regard are regulated by articles of the Administrative Code.

There is no MTPL policy at all, it was not issued, the car is not insured. A fine of 800 rubles is imposed for this. (Article 12.37 of the Code of Administrative Offenses of the Russian Federation).
The policy has been issued, but it is not in the car. The inspector asked to see it, but there was no paper. The law states that such a document should be presented at the first request of a traffic police officer, and not kept at home.

In this situation, a mild punishment follows under the terms of Art. 12.3 Code of Administrative Offenses of the Russian Federation:

minimum - warning;
maximum - standard fine of 500 rubles.

The traffic inspector is usually not interested in whether the policy actually exists. He issues a fine, pointing to Art. 2.37 Code of Administrative Offences. The driver who has committed a fine can only be glad that, according to the new regulation, the license plates of his car will not be removed, because previously such a punishment was intended for the lack of compulsory motor insurance.

The policy is forgotten, but issued: what to do if the inspector does not believe the driver’s words?

A traffic police officer stopped the car and identified the offender who did not show him the MTPL insurance policy. Although the driver simply forgot this document somewhere. The citizen should try to convince the inspector that he always complies with the duties of the driver, but just today he showed absent-mindedness.

If the driver is still issued a fine based on the provisions of Art. 2.37, then he should write into the protocol that he does not agree with the position of the law enforcement officer on the roads. Subsequently, he has the opportunity to appeal the inspector’s decision in court by presenting a valid policy. Although this is an extra hassle, and the drivers agree to pay 300 rubles. more.

The best option is a timely extension (registration) of compulsory motor liability insurance. You should also have valid maintenance documents and a driver’s license in your car. There is no need to forget them, they should not be expired. Then you won’t have to deal with troubles on the road in the form of the appearance of a principled traffic inspector.

Video: What happens when driving with expired insurance:

Fine for expired insurance

OSAGO is compulsory car insurance, for the absence or expiration of which certain penalties are provided. They can be different, depending on specific circumstances:

Driving without insurance. If you have a car insurance policy but leave it at home, you will be issued a fine of 500 rubles. However, in some cases, road service employees limit themselves to warnings.
Lack of insurance. Driving a car without an appropriate insurance policy, which has not even been issued, is subject to a significant fine of 800 rubles. Until recently, for such a violation, the car was taken to a tow truck, after which the license plates were removed.
Penalty for expired insurance. The Administrative Code has no such thing as “expired insurance.” Upon expiration of the operational period of the insurance document, the fine becomes equal to the amount of the absence of a policy, and then the fine for late payment is 800 rubles.

Important: in some cases, the fine for expired insurance can be reduced to 500 rubles. In this case, you should pay attention to the columns of the MTPL policy, namely, the “period of use” table. If the service life of the vehicle document has not expired, its period of use may be invalid. Then a monetary penalty of 500 rubles is imposed.

Penalty for driving outside the period of use

As you know, the MTPL policy is issued for a period of one year. In this case, it is possible to conclude a contract in a certain season. When driving during other periods, a fine of 500 rubles is imposed. A similar amount of fine is expected in the case of driving a car by a driver who is not included in the car insurance policy.

Time to re-register

Until recently, after the expiration of the service life of a car insurance policy, an additional 30 days were provided to contact the insurer for a new document. However, this law has now been repealed. For this reason, it is advisable to contact the insurer in advance to subsequently obtain the document.

When can you travel?

We figured out what the fine for expired insurance is expected to be in 2019. Now is the time to consider the most common myths about the possible impunity of driving a vehicle without compulsory motor insurance:

By proxy. There is a misconception regarding the possibility of driving a vehicle by proxy when there is no insurance. It is important to remember that any vehicle has an owner who is simply obliged to insure the car. As a result, when entrusting the driving of your car to another driver, the latter must also be included in the insurance.
Familiar. Some boast of their connections with influential people who can resolve the issue on the spot. Perhaps this will exempt them from paying a fine, but they will remain violators.

Regardless of the invented method of driving without an MTPL insurance policy, as well as how many trips are made in a certain time period, a fine is imposed. Despite the relatively low cost of penalties, it is not worth the risk. In this case, what is more important is not the size of the fine, but the likelihood of getting into a traffic accident, as a result of which I will have to pay expenses out of my own pocket, which is several times higher than the fine amount of 800 rubles. This applies to cases where a driver without insurance is at fault for an accident. If another car owner is at fault, then compensation payments may not occur. This is another reason for the mandatory presence of a valid MTPL policy.

The amount of the fine for expired MTPL insurance and what to do in the event of an accident?

The Code of Administrative Offenses has recently been updated with enviable regularity, so many motorists simply do not have time to track and comprehend all the changes in time. The latter, dated October 15, 2014 and came into force on November 15, directly relate to our topic related to punishment for driving an uninsured vehicle.

If you are puzzled by the question of what fine you will have to pay for expired insurance now, we hasten to reassure you - the amount of fines has remained the same, and violators will be able to drive without compulsory motor liability insurance more confidently. However, let's start with fines.

Is it possible to expire insurance?

There are also vehicle owners who are in no hurry to renew their insurance, not even because of forgetfulness, but because of the belief that after the expiration of the compulsory motor liability insurance period, you can use the car with impunity for an additional 30 days without terminating the contract.

Unfortunately, these car enthusiasts have clearly not been following the most important news in the field of auto insurance for a long time - this norm was abolished back in 2009. Now, immediately after the expiration of the MTPL policy, you will be fined by any inspector who stopped the vehicle to check documents. Therefore, discussions about how long it is possible to overstay your insurance are completely irrelevant today - you cannot overstay your compulsory motor liability insurance by a single day.

There are different fines for driving without insurance

True, driving with expired insurance in 2019 will not cost that much - only 800 rubles. Agree, this amount cannot even be compared with the cost of compensation for losses in the event of an accident. However, situations may be different:

You forgot your MTPL policy , but it is not expired. The fine will be minimal - 500 rubles , however, the inspector will still need to prove that you have one.
You are driving the car of a relative or friend who has a policy, but you are not included in it . In this case, even if you follow the traffic rules, you will also face a 500-ruble fine .
Expired MTPL insurance. Fine - 800 rubles .

You've been in an accident and your insurance has expired

Of course, the most unpleasant thing is if you get into an accident without having time to renew your compulsory motor liability insurance in time. Regardless of whether you are guilty or not, you are guaranteed to be fined 800 rubles. The following are possible options.

If you are the culprit of an accident, then you will definitely have to compensate the injured party for the damage. The fact that you did not have an MTPL policy will be recorded in the accident certificate. To assess the damage caused, the victim will conduct an independent examination, to which, by the way, he will be obliged to invite you by sending a telegram. The fact of sending will be recorded, which threatens you with the impossibility of challenging this assessment in court.

In a word, all circumstances encourage you to resolve the issue pre-trial. You, of course, know how much of a fine you will have to pay for expired insurance. And require a receipt from the victim that the required amount has been received and there are no claims for further compensation for damage, even if hidden damage is discovered.

If it was not your fault that you had an accident with expired insurance, then the damage will be compensated for you, although you still won’t get rid of a fine.

Life has become easier for violators

When talking about the punishment facing violators of the MTPL law, we never once mentioned such a measure as the removal of license plates, which actually means a ban on the operation of the vehicle. We did this not by chance - as of November 15, 2014, article number 27.13 is excluded from the Code of Administrative Offences.

And this is precisely the article, which implies the prohibition of operating a car as one of the penalties. Let us remind you that until November 15, 2014, a traffic police officer had the right to remove license plates from a vehicle for expired MTPL insurance or for driving a vehicle that does not belong to you without being included in the insurance policy. This measure was applied until the violation was eliminated.

But since the owner of a vehicle today has the right to make an unlimited number of duplicates of his own license plates, the measure described above was considered ineffective. What fines for expired insurance we will see in the future is a mystery, but for now the latter remain unchanged.

And indeed, with a fine of only 800 rubles, some car owners may find it profitable to drive without compulsory motor liability insurance - after all, the costs are higher, especially considering that often, along with car insurance, we are forced to purchase other services imposed by insurers.

Therefore, if the statistics on these violations continue to grow, then surely another increase in fines is not far off.

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140 comments

I’ve been driving for 30 years without an accident, I think when driving in the city and to the country with an annual mileage of 5000 km. It’s more profitable to not care about OSAGO!

I think so too

The main thing is not to hit the Maybach. otherwise you will walk for 30 years if you are not a millionaire.

OSAGO will reimburse no more than 160 thousand to the property of the victim, rubles of course. so in the case of Maybach this will not help.

400,000 is in words, in reality it’s 50-80, but for 400,000 you need to sue well and it still won’t be enough for Maybugs!

Hi, I’m Alexey, too, without insurance for more than a year, I’m for lack of it. Komsomolsk on Amur

The insurance Cossacks have all the same arguments

In fact, I think that insurance is voluntary, but it’s imposed on us; it’s time to rebel

Yeah, our ancestors managed without it, so can we.

Of course we can, but the insurers can’t do it without us, they need to line their pockets.

if you cancel insurance, the accident rate will drop by 70 percent

Guys, motorists! It's time to raise the issue of compulsory motor liability insurance not tied to the car. Osago must be tied to a person and a category. The current situation is contrary to reason. We need to start fighting for our rights. I'm ready and have been for a long time.

I have a fishing UAZ that goes out five times a year. I don’t have time to ride it anymore, I keep it for the soul. He is 35 years old, new condition, Tell me why do I need insurance? I drive where there are only one or two other cars, so we pull each other along.

Where do you live? In what city? I want to join your army. Lara.

I agree 100%. They brazenly force insurance on us and line their pockets. How to get rid of this, and apparently collect signatures for the NO MTPL campaign.

I thought so too until today

Not all of Article 27.13 has been cancelled, but only part 2. Please correct it.

Insurance for 2014 cost me 1,772 rubles. For 2015 I was offered 6000 for the same car. It would be cheaper to give 800

800 rubles cheaper? What if it’s 800 rubles every day?

Do you get stopped every day?

I paid 300 once in two years

exactly, but what if it’s 800 every day? or once a week to the dacha past the checkpoint?

Then OSAGO is cheaper

It’s not easier, but it’s more correct to pay it once, it’s calmer for yourself and your wife if you have a wife), that’s two, it’s cheaper to pay that’s three, it’s four to save your nerves, otherwise you drive and think every day whether they’ll stop you or not, I emphasize every day, is it worth it?

I don’t know who gets stopped every day right now. I was stopped a total of 2 times in a year. and they didn’t even stutter for insurance. I’ll think about the offer not to do it for now. In 2014, 2600 paid this year 8300 they want. They’re swollen.

Recently I saw an error in the MTPL insurance, everything was registered in my name. And whoever can drive my car wrote the last name that was before my marriage. I came with a complaint about re-registration, and they asked me to pay another 12,000. supposedly there were accidents and the rate was higher. Although the car is old 2008 and has 51 hp. Do I have the right to terminate the agreement and take the money? I already paid 8000 rubles. The amount is not small. And last year I paid 4000 rubles. What should I do.

Svetlana, good afternoon!

If you want to add another driver to the MTPL, the calculation is made using the EAISTO database.

Accordingly, if the new driver has less experience and age than you or was the culprit in an accident, then the MTPL tariff will be higher.

Svyatoslav, don’t be stupid, the fact that they are asking 12,000 for insurance correction already gives reason to think that this is a scam. Complain about them, my advice is to Sberbank.

It’s like at school, they will call you or they won’t call you if there is an opportunity to pay better and drive in peace.

I am truly convinced that in a free country, insurance should be voluntary, but technical inspection should be mandatory, now the interests of only those who profit from insurance are protected, and common people don’t care

Think about your answer, then the car service will get rich.

I'm 22, 4 years of experience. No accidents.

They ask for 11,400 for insurance. A beginner, without restrictions, pays 12,100.

In a year, inspectors stop me 3 times.

Conclusion. I had your insurance!

Oleg, if there’s an accident, you’ll get screwed

And if there is an accident, you will fly off the road and end up in the next world! Why are you going to crash like that?

But insurers make money from this! It’s much easier for me to come to an agreement with someone whose paint I’ll scratch, since you’re only talking about accidents___ WHAT TO DEAL WITH THESE asshole insurers! NO___OSAGO__NO.

12 years of driving experience, no accidents. I've been driving without insurance for two years. I drive 3000-4000 thousand km a month. I didn't care about insurance.

Fine for expired insurance 2019

Welcome to helpguru.ru . Today we’ll talk about the fine for expired compulsory motor vehicle insurance. Updates to the Code of Administrative Offenses are becoming more frequent, and most motorists simply do not have time to remember all the new laws. Changes regarding expired insurance came into force in 2014, and the penalties are not as severe as they were before the latest changes.

But most drivers still ask what the fine is for expired insurance in 2019, whether penalties have been added and whether it is possible to drive without insurance, as well as how long you can drive with an expired policy.

Why are there more and more expired insurance policies?

To begin with, it is worth understanding that one of the reasons not to renew the MTPL policy was a small feature when issuing these policies. Of course, the main reasons for not renewing policies are:

Simple forgetfulness;
Deliberate non-renewal.

But at the moment there is another important reason - long queues at insurance companies for registration. Although judging by the number of companies, there should not be a shortage.

And in fact, a few years ago a driver could stand in line for only a few hours. Now companies have made preliminary appointments, due to which the car owner can wait several weeks for his turn. In addition, there are drivers who do not renew their policy because of the services that they have to purchase additionally.

Is there a concept of “expired insurance” today?

Every driver must know that there is no such thing as “expired insurance” anymore. Naturally, it is quite convenient to use it as a fact about the expiration of the policy term, but it no longer has legal force.

This term was removed from the law back in 2009; until that moment, the driver was allowed to drive with an expired policy for another month, and there was no punishment for this. Drivers really liked this rule. This time was given to the car enthusiast to think about the importance of renewing the policy and the need for this action. Despite the fact that the policy was already considered expired, traffic police officers did not have the right to issue fines for it.

But this was before the concept of expired insurance was abolished; now employees have such a right, since the government came to the conclusion that such things are not worth considering, and renewal should occur during the validity period of the old policy.

So the term “expired policy” still exists and is used even among traffic police officers, but it means something completely different, that is, the policy has expired and a fine will be issued on the first day of delay. But let’s still figure out what the fine is for expired insurance in Russia?

Fines for expired insurance in 2019

In 2019, driving with expired insurance costs very little, only 800 rubles. But this amount cannot be compared with the amount of damages that will be paid in case of an accident. There are different situations for which a fine is issued:

The driver left the unexpired policy at home, then a minimal fine will be issued, only 500 rubles. But the driver will have to prove to the traffic police officer that he still has the policy.
A relative or friend who is not included in the OSAGO policy is driving, then a fine of 500 rubles will be issued, even if the driver did not violate the rules.
If you have insurance, but it is expired, the fine will be 800 rubles.

There was an accident and the insurance was expired

The most unpleasant thing is getting into an accident, and the insurance is expired. A fine of 800 rubles will be issued in any case, it does not depend on whether the driver is guilty or not. But there are other twists in this event.

If the culprit is a person with expired insurance, then the damage will have to be compensated to him, but the lack of insurance will be indicated in the protocol and certificate of the accident. The injured party will be required to conduct an independent assessment and estimate the damages. The person responsible for the accident will be invited to the examination. A telegram will be sent to him, and the fact of sending will be recorded. Such recording will not make it possible to carry out a procedure for challenging the assessment in the judicial authorities. As a result, the guilty party will in any case compensate for everything without trial.

You already know how much the fine for expired car insurance in 2019 is, and that you will have to pay it. But in case of an accident without insurance, you will also need to take a receipt from the victim, which will indicate that the amount of damage has been compensated in full and there are no more claims.

If a driver with expired insurance becomes a victim in an accident, then the amount of damage will be paid to him by the insurance company responsible for the accident, but a fine will still be issued.

Can they remove license plates or send a car to a parking lot for late OSAGO?

In addition to fines, another punishment worth mentioning is the removal of license plates, which prevents the driver from using the car in the future. But Article 27.13 was removed from the Administrative Code.

It was in this article that it was said that the traffic police officer had the right to remove the registration number from the car of the violator, who has unextended insurance or the driver is not included in it. The numbers were given back to the owner after this violation was eliminated.

But at the moment, by law, any car owner has the opportunity to make duplicate license plates, so this measure has ceased to be useful and has been cancelled.

Therefore, it has now become much more profitable for motorists to drive without a policy, since the fine for an expired document is much lower than issuing a compulsory motor liability insurance policy. Moreover, car owners have to pay not only for the policy, but also for additional services that insurers impose on the driver.

Another question that interests motorists is whether traffic police officers have the right to take the car to a specialized parking lot. In 2019, such punishment as towing a car for lack of an insurance policy no longer applies. The driver will only be issued a fine of 800 rubles.

You should also know that if the fine is paid within 20 days from the date of violation, then he will be offered a 50% discount on payment, and the payment will no longer be 800 rubles, but 400 rubles.

What are the subsequent penalties for driving without insurance?

Many motorists know how long you can drive with expired insurance, and that it must be renewed during the validity period of the old policy. And in the case of punishment and a fine, they believe that the driver cannot receive two punishments for one offense.

But before asserting, you should carefully study the interpretation of modern legislation. The law states that a driver cannot be punished repeatedly for the same violation. But this does not mean that he can receive only one fine in one day.

It turns out that if the car owner was punished for expired insurance, and while driving another traffic violation was committed, he will be punished again. For lack of insurance, the driver can be punished every time he is stopped by the traffic police. And this action is carried out according to the law, in article 19.2 paragraph 2 of the traffic rules. It states that driving a car without an insurance policy is strictly prohibited.

As a result, it turns out that purchasing a policy becomes cheaper than paying a fine for each stop. But in truth, with our prices in Russia for compulsory motor liability insurance, it makes sense for those motorists who drive carefully and not all year round to think about whether it is worth paying for compulsory insurance.

If you buy a fake MTPL insurance policy

There are a number of drivers who, in pursuit of profit, purchase fake car insurance policies. As a result, this category of car owners exposes themselves to great risk, since if a counterfeit is discovered, they can be punished with a very large fine. According to Article 327 of the Criminal Code of the Russian Federation, for a fake OSAGO policy, the driver will be issued a fine in the amount of 80,000 rubles.

In addition to the fine, there are other additional penalties, so the driver can be sentenced to compulsory community service for up to 480 hours.

Only the car owner decides whether to issue and renew the MTPL policy. But to make the right decision, everyone should know what fines and penalties will await him if he does not renew his insurance and drives without it. Or, in terms of savings, he will buy an insurance policy that will not be valid. That's all, good luck on the roads!