How long can you drive without insurance?

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My car insurance has expired. How long can you drive without insurance?

If your insurance is expiring or your compulsory motor liability insurance has already expired, then you may ask whether you can drive if your car insurance has expired, how long you can drive without insurance, and how much time is given to renew your insurance. In this article we will talk about the validity period of compulsory motor liability insurance after the expiration of the term.

To answer the question “how long can you drive without insurance after it expires,” you should distinguish between the concepts of “insurance period” and “period of use of the vehicle.” The period of use of the car may be shorter than the insurance period (if an insurance contract is concluded taking into account the limited use of vehicles). Limited use also includes driving vehicles only by drivers specified by the policyholder. The consequences of the expiration of the period of use are different from what will happen if you drive with expired insurance (at the end of the entire insurance period). Further in the article we will consider the case when the insurance expired - the car insurance period.

How to find out when your car insurance expires

You can find out how long you can drive under your policy when the insurance period expires by looking at your MTPL policy:

the car insurance period is indicated in the upper right corner of the OSAGO policy,
the period of use of the car during the insurance period is indicated under the insurance period.

Your car insurance is running out: what to do?

If your policy expires, you need to contact the insurance company to conclude (renew) a contract of compulsory civil liability insurance for vehicle owners.

How long before expiration can OSAGO be extended?

The law does not stipulate the period for how many days the compulsory motor liability insurance policy can be renewed. Therefore, if your car insurance expires, you can conclude a new insurance contract in advance or extend it for a new period.

But, if you are unable to purchase a new MTPL policy in advance, do you want to try to save money or have you simply forgotten that your car insurance has expired, how long can you drive without insurance?

If your insurance has expired, is it possible to drive without it?

At the moment, upon expiration of the compulsory insurance contract, the compulsory motor liability insurance policy ceases to be valid, and the driver’s liability on the road is considered uninsured. Driving with expired insurance is the same as driving without insurance.

The question “how long can you drive with expired insurance” is asked due to the fact that previously the law provided for a grace period during which (at the end of the insurance period) it was possible to conclude an MTPL insurance contract for a new term without negative consequences.

How long can you drive if your MTPL insurance has expired? The law gives a clear answer to this question

How long can you drive without insurance after it expires?

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.

How long can you drive if your insurance has expired? Not at all - you are legally prohibited from driving with expired insurance.

What is the validity period of compulsory motor liability insurance after the expiration of the term and how much time is given to renew the insurance? There is currently no validity period for MTPL insurance after expiration, and insurance must be renewed in advance.

We’ll tell you further about what happens if your car insurance runs out.

Car insurance has expired: what happens if you stop

If your car insurance has expired and the traffic police has stopped you, the driver behind the wheel will be issued a fine.

How much is the fine if insurance runs out?

As we found out, driving with expired insurance is equivalent to driving a car without insurance. Therefore, if the car insurance has expired, the amount of the fine in this case is determined by paragraph 2 of Article 12.37 of the Administrative Code, according to which “failure by the owner of the 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 obviously absent , - entails the imposition of an administrative fine in the amount of eight hundred rubles.”

If your insurance expires and an accident occurs

What to do if your car insurance has expired and an accident occurs will depend on who you are recognized as:

victims,
or the culprit of the accident (as you know, the culprit of the accident is not provided with payments under compulsory motor liability insurance, but the insured culprit of the accident will not compensate for the damage to the victim within the insured amount).

So, we found out the answer to the questions “if your car insurance has expired, how long can you drive without insurance” and “how long can you drive with expired insurance.” The law does not provide for the validity of the MTPL policy after the expiration of the insurance period.

How many days can you drive without liability insurance?

From the article you will find out how many days you can drive without insurance, whether the period depends on the place and method of purchasing the car, and whether it is worth applying for compulsory motor liability insurance at a car dealership.

When purchasing a car, you must not only have a driver's license, but also clearly understand your responsibilities.

This applies primarily to compulsory motor liability insurance - this type of insurance is mandatory for every motorist.

However, it is not always possible to issue it on the day of purchase. Therefore, many people ask how many days you can drive without insurance, whether this is a violation of the law.

We will dwell on this topic in detail and find out whether it is possible to drive a car only with a purchase and sale agreement and for how long.

How many days can you drive without insurance?

You will become the full owner of the purchased car only after it has been registered, and you will be able to register the car only after receiving a car insurance policy issued in your name.

Federal Law No. 40-FZ obliges the buyer to purchase an MTPL policy within 10 days from the date of purchase, only after which he will be able to register the car in his name.

The same requirement applies to those who do not buy a car at a car dealership or from the previous owner, but receive it for temporary use and business management.

In other words, everyone who gets behind the wheel of a vehicle is required to insure their civil liability.

Those who will drive the car by proxy can simply be included in the insurance document already issued to the owner of the vehicle. Those who purchase a car do not have this option.

However, the law allows you to drive a car for as long as 10 days without having a “car license”, using a purchase and sale agreement.

The driver needs to remember the following: if during a given time period he becomes the culprit of an accident, then he himself will be responsible for compensation for the damage caused.

Insurance at a car dealership

If you are purchasing a new vehicle, you will be offered to issue a policy directly at the car dealership.

When the buyer does not know exactly how many days he can drive without insurance, he will easily believe the convincing speeches of the car dealership employee and buy the insurance service along with the car itself.

Often car dealerships do brokerage on the side, and it is profitable for them to include insurance products in the purchase price. In addition to the “automobile insurance”, they may also impose a CASCO insurance on you, and this can hurt your wallet.

Autocasco is a necessary insurance product that will provide your new car with insurance coverage, but this type of insurance is voluntary, and the decision to enter into an agreement with the insurer is made only by you.

Remember that you have as much as 10 days left to find the optimal solution for concluding mandatory motor vehicle insurance and voluntary CASCO contracts.

You have the right to refuse the services of a car dealership and look for a more convenient and cheaper option yourself.

If you purchase a car in another locality, and the journey to the place of permanent registration takes more than 10 days, then it is most advisable to purchase a temporary compulsory motor liability insurance for 20 or more days.

Is it worth delaying the registration of compulsory insurance?

Regardless of the place and method of purchasing a car, you have the right to use it without compulsory motor insurance for 10 days, but be sure to have a contract with you with the date of purchase of the vehicle.

However, it is in your interests to contact your insurer for a policy as early as possible:

firstly, you will register the car faster and become its full owner,
secondly, you will receive insurance support from the company you choose and will not have to pay compensation for the damage you cause in the event of an accident.

Some motorists use a trick that allows them to delay the purchase of an auto insurance policy for a long period of time.

They simply rewrite their purchase and sale agreement, put the current date on it and get a new opportunity to travel for another 10 days on completely legal grounds.

The negative aspects of this solution are:

The vehicle will still be registered in the name of the previous owner.
If there are traffic violations, the previous owner of the car will receive fines.
In the event of an accident, you will pay for the repair of someone else’s car damaged by you from your budget.

As you can see, the option of delaying the registration of an auto liability policy is not very good. In addition, each time you will have to redo the documents and meet with the previous owner of the car to get his signature.

Now you know how many days you can drive without insurance.

We recommend that you obtain compulsory motor insurance as quickly as possible, so that in the event of a road traffic incident you can shift the responsibility for paying compensation for damage caused to another motorist to the insurer.

Driving without compulsory motor insurance after purchasing a car

Good afternoon, dear reader.

In this article, I propose to consider a rather interesting situation, which not all drivers and traffic police officers interpret correctly.

Let's assume that driver Ivan Ivanovich purchased a vehicle and then decided to drive it to his home.

As you know, it currently takes 10 days to register a vehicle. However, with an MTPL policy, everything is not so obvious.

Today we will talk about whether it is possible to drive without insurance within 10 days after purchasing a car and whether driving without compulsory motor insurance will result in the imposition of fines by the traffic police.

Let's consider the points of regulatory documents affecting driving a car without a compulsory insurance policy:

1. Code of Administrative Offenses

The punishment for lack of compulsory motor liability insurance is regulated by Article 12.37 of the Code of Administrative Offenses:

Article 12.37. Failure to comply with the requirements for compulsory civil liability insurance of vehicle owners
.
2. Failure by the owner of a vehicle 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, -

shall entail the imposition of an administrative fine in the amount of eight hundred rubles.

So, a fine can only be imposed if the driver ignored the obligation established by federal law. Let's figure out at what point after purchasing a car such an obligation arises: immediately or after 10 days.

2. Federal Law “On Compulsory Motor Liability Insurance”

Federal Law “On compulsory civil liability insurance of vehicle owners”, Chapter 2, Article 4, paragraph 2:

2. 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 .

Thus, the driver is given 10 days .

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

an insurance policy of compulsory civil liability insurance of the owner of a vehicle 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 .

That is, the traffic rules also refer to the law “On Compulsory Motor Liability Insurance” discussed above, which allows you to drive without insurance for up to 10 days when purchasing a car.

Let's sum up the intermediate results. Neither the traffic rules nor the code of administrative offenses mention a period of 10 days during which you can drive without a compulsory motor liability insurance policy. It is this point that causes misunderstanding among most drivers. The Law “On Compulsory Motor Liability Insurance” is open to only a few car owners. The rest prefer to purchase a compulsory motor liability insurance policy immediately after purchasing a car.

4. Supreme Court decision on purchasing insurance

Additional confirmation that a fine cannot be imposed for the absence of compulsory motor insurance during the first 10 days of owning a car is the decision of the Supreme Court of the Russian Federation dated April 17, 2012 N AKPI12-205:

The applicant’s reference to the contradiction of paragraph 2.1.1 of the Rules with the Federal Law of April 25, 2002 N 40-FZ “On compulsory insurance of civil liability of vehicle owners” is untenable. Clause 2 of Article 4 of this Federal Law obliges the owner of a vehicle to insure his civil liability before registering the vehicle, but no later than ten days after the right to own it arises. Consequently, before the expiration of the ten-day period allotted to the owner of the vehicle for concluding a civil liability insurance contract, the driver of such a vehicle has the right to drive it without an appropriate insurance policy , which directly follows from the contested norm of the Rules, which provides for the driver’s obligation to carry this insurance policy with him only in cases established by federal law.

Thus, the period for registration of compulsory motor liability insurance after purchasing a car is 10 days . During this period, the traffic police has no right to punish the driver for lack of insurance.

In conclusion, I would like to note that at the time of contacting the traffic police to register a car, the driver must have a valid insurance policy. In practice, some drivers, in order to save money, buy compulsory motor liability insurance, which begins to operate only on the 11th day of owning the car. However, such insurance cannot be used for registration in the first 10 days. And if you miss the deadline for contacting the traffic police, a fine will be imposed for violating the terms of insurance.

Is it possible and how long can you drive without compulsory motor insurance?

long can you drive without compulsory motor insurance? This question interests many car enthusiasts . It is no secret that concluding an auto liability insurance contract is mandatory, but sometimes, unfortunately, there are situations when its timely conclusion is impossible due to financial reasons or simply due to lack of time. So is it possible not to take out insurance at all and if so, for how long? You will find answers to these questions in the article below.

Is it possible to drive without insurance?

Answering the question “How long can you drive without compulsory motor insurance?”, the majority of motorists (and let’s be honest, some of the traffic police officers) will answer that not at all, since the law on compulsory motor third-party liability insurance provides for the obligation of every car owner to take out an insurance policy and present it upon request inspector.

However, such a categorical answer is only partly correct. The fact is that if the car has been in your possession for some time, then you are really obliged to have an MTPL insurance policy in your hands, and sanctions will certainly follow for its absence. At the same time, the decision of the traffic police officer who punishes you for failure to provide insurance is justified and legal - therefore, there is no point in appealing it.

However, despite the apparent severity of the law, there are also cases when the absence of an insurance policy is acceptable and possible. So the answer to the question: “Is it possible to drive without insurance?” — may well be positive.

When can you do without compulsory motor insurance?

The ability to drive without a compulsory motor liability insurance policy is established by clause 2 of Art. 4 of Federal Law No. 40 of April 25, 2002 “On compulsory insurance of civil liability of vehicle owners.” In accordance with this article, it is possible that there is no insurance policy in one single case - when acquiring the right to a car.

However, the law does not determine on what basis a citizen receives this right. Therefore, the moment of purchasing a vehicle can be considered the following:

execution of a car purchase and sale agreement;
receiving a vehicle by inheritance (from the moment of inheritance);
obtaining a car with other rights (economic management, operational management, etc.).

How long can you drive without insurance or with expired insurance?

Now that the issue of the possibility of driving without insurance has been resolved, you should figure out how long you can drive without compulsory motor insurance. In accordance with the article we mentioned above, the owner of the vehicle is obliged to obtain a compulsory motor liability insurance policy no later than 10 days after acquiring the right to the car.

It is important to understand that 10 days is the number of calendar days during which the policy must be purchased, not working days. This period begins to count from 0 o'clock on the day following the day of acquisition of the right to the car. This period is given to the motorist so that before registering the car with the traffic police, he has time to undergo a car inspection, receive a diagnostic card and issue a policy on compulsory motor third-party liability insurance.

From time to time, motorists have another question regarding the MTPL policy: how long can you drive with expired insurance? The answer is simple: if your insurance has expired (or is ending), then you need to get a new policy as soon as possible, since you cannot drive without it. If you neglect this requirement and get into an accident, you will have to pay for all losses out of your own pocket.

Note!

Despite the fact that the legislator has determined such a period for car owners (thus making certain concessions to them), we should not forget that until the purchase of an insurance policy, all property liability in the event of a traffic accident, if you are found to be the culprit, falls on your shoulders. Therefore, you will have to compensate for this harm. Therefore, it is still not worth delaying the deadline for issuing a policy, otherwise it may turn out, as they say, more expensive for yourself.

So, is it possible to drive without compulsory motor insurance? Can. But it's better not to do this.

How many days can you drive without compulsory motor insurance after graduation?

After the introduction of compulsory motor third party liability insurance, motorists began to wonder how long they could drive without insurance after it expired.

It became relevant in 2009 after the abolition of the grace period for deferment. In 2008, you could drive without a policy for 30 days from the date it expired.

In 2019 there is no such norm. Let's find out what to do if your car insurance has expired. How long can you drive without insurance?

Is it necessary to apply for compulsory motor liability insurance?

OSAGO is insurance not of property, but of motorists’ liability to other road users.

If he is to blame for the accident, the damage he caused to the injured party will be reimbursed by the insurance company within the established limits. But the damage caused to the culprit’s vehicle is not compensated by MTPL. The policy will help the culprit reduce losses.

An accident can happen at any minute. Therefore, driving a car without compulsory motor liability insurance in the Russian Federation is prohibited .

You should think about purchasing a new policy in advance. Since it is not the next day after the document expires, you can receive a fine of 500 rubles.

It is completely unacceptable to drive a vehicle with expired insurance, or with insurance forgotten at home . The traffic police inspector will not listen to excuses and will issue a fine.

You can try to get justice from the traffic police department, but this is a waste of time, since driving without insurance is illegal.

You also cannot lend a car to a person who is not included in your insurance . You will receive a fine even if you sit in the passenger seat with MTPL in your pocket.

If you admit the possibility that you may return home drunk, you can issue a power of attorney for the driver who will drive the vehicle, but it is better to leave the car at home.

Let's consider how many days you can drive without insurance if you bought a new car.

When buying a car

The law provides for 10 days to drive without compulsory motor liability insurance . During this time, it is necessary to issue a policy and other documents. Inspectors should not fine you during this period, but in case of an accident you will have to cover the damage yourself.

Date of purchase - the date of conclusion of the purchase and sale agreement. It is not necessary to undergo a technical inspection when purchasing a vehicle.

Video: Is it possible to drive without compulsory motor insurance after buying a car?

Myths and fines

There are many myths about how long you can drive without compulsory motor insurance after graduation. The most common of them:

Management by proxy . Some motorists claim that you can drive by proxy without an insurance policy. But any owner must insure his car. If you transfer the vehicle to management, enter into the policy the person to whom you entrust your car.
30 days . Sometimes there are still drivers who are sure that they can drive without compulsory motor insurance for 30 days. This opinion is wrong. This form was canceled in 2009. It is necessary to familiarize yourself with the new legislation.
Useful acquaintances . Some drivers are very surprised when they see that the inspector is going to issue them a fine for driving without insurance. They can read out their rights, call their friends, but they still can’t escape the fine. If your MTPL policy expires, you can receive a fine the very next day. You will be fined even if you are on your way to the insurance company to reissue a new policy.
Purchasing a fake policy . This is a rather useless exercise, since today the authenticity of OSAGO can be verified in a couple of minutes. The acquisition and use of a false document is subject to administrative and criminal liability.
Evacuation to a parking lot . You can often come across the judgment that for driving without a compulsory motor liability insurance policy, the car can be towed to an impound lot. There is a list of offenses for which a car has the right to be towed, but the lack of insurance does not apply to them.
License plates will also not be removed for lack of insurance..

Whatever way you come up with to get rid of the need to purchase a new policy, it will be illegal.

According to Part 2 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation, a fine of 800 rubles is provided for late policy. An expired insurance policy is equated to its absence. There is insurance, but not with you - 500 rubles.

When can you drive without insurance?

There are several cases that allow you to be without insurance for some time:

Drawing up a purchase and sale agreement . The car can be operated for 10 days from the date of purchase without an MTPL policy. Take the agreement with you to resolve any disagreements with the traffic police inspector. But all responsibility in case of an accident will be assigned to the culprit.
Inherited property . Inheritance rights will begin on the date of death of the car owner. Submit an application from the heir for a certificate of inheritance within six months. It will be issued after 6 months if other heirs do not declare their rights to the inheritance. The vehicle can only be used 6 months after the death of the former owner. You can drive a car without a policy for 10 days.
Power of attorney . Many cars are driven by proxy. If the validity period of the document is not specified, it can be used for a year. Take out insurance for a trusted person.
Buying a new car . You can also drive for 10 days without a policy.

What needs to be done?

To conclude a new MTPL agreement, you will need the following documents:

Application for concluding a contract . The document is drawn up on a form provided by the insurance company, and the client fills it out with his own hand.
Identity document . If several drivers are included in the insurance at once, the passports of each of them are required.
Vehicle registration documents (vehicle passport, registration certificate or other similar documents).
Diagnostic card . This document contains data on the technical condition of the car. Carry out a technical inspection at any service station. If the car is new (produced less than three years ago), you do not need to provide a diagnostic card.
The driver's license of the driver or several drivers, if the car owner intends to include all of them in the policy.
Power of attorney . The document is required if it is not the owner of the car who takes out the insurance, but his authorized representative.

Contact the insurance company, sign an insurance contract and get a new policy. When designing, sometimes various nuances and difficulties arise.

Remember:

You cannot sign a blank form accompanied by honest assurances about filling out the form in the future and trying to save your time;
check all data carefully;
refuse the services of a company whose employees do not check the information you enter and do not look into your documents;
do not listen to an employee if he suggests lowering the car’s power and increasing your driving experience, since you will be held responsible for false information.

Electronic policy

If you don’t have time to go somewhere, you can take out an MTPL policy without leaving your home.

From January 1, 2017, any insurance company that works with MTPL must introduce the ability to issue electronic policies on its official website.

You should not use the services of agents and other intermediaries . This is great news for drivers who live in regions with a developed “car lawyer” business.

They help sue insurance companies for compensation for damages under compulsory motor liability insurance. Insurance companies create an artificial shortage of policies and try not to sell them.

Purchasing an electronic policy allows you to buy insurance for any company from anywhere in the country where there is access to the Internet. Perhaps this service will gradually lead to the extinction of traditional policies issued on paper.

To issue an electronic policy:

register on the official website of the insurance company;
get a login and password to have access to your personal account;
You will need information from your passport, driver’s license, vehicle passport, diagnostic card (if the car is more than three years old);
pay the bill using a bank card;
receive the policy by email;
print it out and take it with you always.

This form should be enough for the traffic police inspector to check. If he assures that this is not a document, you do not have to pay the fine for the absence of the “original” policy.

Refer to paragraph 1 of Article 32 of the OSAGO law, which states that the motorist must have with him an OSAGO insurance policy or information printed on paper about the conclusion of an OSAGO agreement in the form of an electronic document and hand it over to a police officer for verification.

Advantages of an electronic policy:

You can apply online in half an hour or less. There is no need to waste time on the road or in queues.
The insurer will not impose unnecessary additional services on you, threatening to refuse to issue you with compulsory motor liability insurance. Such actions are illegal, but they do occur.
You won't lose your accumulated accident-free driving credits. Your history will be stored in RSA, and all insurance companies have access to it. The cost is calculated automatically, and the representative will only check the information.
The policy is printed at home on paper. If you lose it, you can always print a new one. But a regular policy has to be restored through the insurance company.
The driver does not need to carry with him many documents for the vehicle. All information is available in the RSA and AIS databases.

There are several ways to protect yourself from purchasing a fake electronic policy:

The cost of an MTPL insurance policy is regulated by the Central Bank of the Russian Federation. Therefore, the “motor citizen” cannot participate in the actions.
Do not forget to make sure that you are going to buy a policy on the official website of the insurance company. There are many one-page websites representing different insurers. They may be scammers.
Not all insurance companies sell electronic MTPL.

The Central Bank requires that the information systems of insurance companies and RSA ensure the process of concluding a compulsory motor liability insurance agreement within half an hour from the moment the car owner submits an application through the official website.

So how long can you drive without an MTPL policy? If you have not completed a purchase and sale agreement, have not bought a new car or have just entered into an inheritance, you are prohibited from driving without an insurance policy.

In the listed cases, you can drive without a policy for 10 days, which is given to complete all the documents necessary for the vehicle. You will pay 800 rubles for not having a policy, and 500 rubles for simply forgetting it at home.

They have no right to tow the car or remove license plates from the car for this omission. Check your insurance policy more often and renew your compulsory motor liability insurance in advance.

An accident can happen at any time, and if you are the culprit of the accident, without an insurance policy the company will not compensate you for the costs of damage to the injured party.