How long can you drive with expired insurance?

Fine for expired MTPL insurance in 2019 and how long you can drive without insurance after it expires

Many documents have an expiration date, after which the securities turn into trash. Compulsory motor liability insurance is no exception, which means today we will understand what punishment is imposed for an expired motor liability insurance policy, as well as what time limits are provided for its re-issuance.

Fine for expired MTPL insurance in 2019

Many motorists do not follow news related to the world of cars; this entails a number of misconceptions. To prevent this from happening, we want to tell you about the fine for an expired MTPL policy in 2019.

How often do you look at your policy? Do you remember the exact date of registration of compulsory motor liability insurance? If not, then I advise you to check it just in case, although the fine threatens to be very small, no one excludes its increase in the near future.

According to Part 2 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation, sanctions provide for a fine of 800 rubles for late insurance policy.

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 obviously absent, entails the imposition of an administrative fine in the amount of eight hundred rubles. (as amended by Federal Laws 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

I would like to clarify a little that expired insurance is equivalent to its absence, that is, when there is no valid policy.

License plates are not removed, and your car is no longer sent to the impound lot.

How long can you drive in 2019 if your MTPL policy has expired?

Now I would like to talk about the timing of renewal of a car insurance policy. Previously, if the compulsory motor liability insurance policy had expired, another 30 days were provided to go to the insurance company and issue a new policy. From now on, this law has been repealed, which means that the validity period of the compulsory motor liability insurance policy after expiration is zero days.

Based on this, I advise you to contact the insurance company one day before the expiration date of your insurance to purchase a new policy.

How can you drive without MTPL insurance?

There are many myths that suggest driving irresponsibly without insurance.

Riding by proxy. Sometimes it is mentioned on forums that if a driver drives by proxy, then he does not need insurance. Not true. The vehicle has an owner, he is obliged to insure his car. Therefore, having entrusted the car to someone else, this driver must also be included in the insurance.

Familiar. Everyone has “good friends” in one area or another. And, of course, “well-connected” motorists decide not to spend money on these stupid papers if they can solve everything if something happens. Those who do this are violators. Everyone should have compulsory motor liability insurance, and if it is missing, there will be a fine.

Whatever method you come up with for driving without an insurance policy, it will still be punishable. Although there may not be large fines yet, time does not stand still. Remember, you cannot drive without compulsory motor insurance.

I would like to summarize. Insurance is made for a certain period and upon expiration it is necessary to take out a new policy, otherwise you will have to constantly pay fines.

We hope we were able to answer your question - how long can you drive without insurance after it expires and what is the fine for overdue insurance?

How long can you drive with an expired insurance policy in 2019?

The introduction of compulsory car insurance, fines for its absence, as well as the abolition of the period of time during which the driver was allowed to drive a car without an insurance policy, forced motorists to more carefully monitor the validity of their insurance. Everyone who gets behind the wheel of a vehicle must clearly know in what situation he can drive a car without insurance, and also understand what fine awaits him for violating the requirement to have a compulsory motor liability insurance policy.

How long can you drive a car without a valid compulsory motor liability insurance?

Driver liability insurance is mandatory for persons driving vehicles. If the policy has expired, in accordance with current legislation, you cannot drive. An expired insurance policy will be equivalent to a situation where there is no insurance at all. Accordingly, if this offense is detected, traffic police officers will fine the driver of the car.

Therefore, if the policy expires, you need to spend time getting to the office of the insurance company, where you need to draw up a new auto insurance policy and only then get behind the wheel of a car.

In addition, you can solve the problem of lack of insurance in a different way by applying for a compulsory motor liability insurance policy via the Internet. An electronic insurance contract is equivalent to a paper document and has the same force.

What is the penalty for expired insurance?

The validity period of the MTPL policy does not exceed 12 months, so the driver must keep track of the time when it is necessary to renew the insurance.

In the event that a traffic police inspector discovers that a driver is driving a vehicle and his insurance is expired, the violator will face a fine:

So, in accordance with Part 2 of Art. 12.37 of the Administrative Code for driving a car with an expired insurance policy, the driver will be fined 800 rubles.
The same amount of fine will be issued for the driver who drove the car without having a registered compulsory motor liability insurance policy.
If insurance is issued and a forgetful driver left it at home, then the fine will be 500 rubles.

There are no additional penalties associated with the removal of license plates or towing the car to an impound lot.

Developments in an accident if there is no insurance

If as a result of an accident it turns out that the participant does not have a compulsory motor liability insurance policy, then the development of events may occur as follows:

a person who does not have auto insurance will be found at fault for the accident. He will be required to compensate for all damage caused to the victims, as well as pay an administrative fine for the lack of a policy;
a driver without insurance must pay only an administrative fine.

When can you drive without insurance?

Current legislation provides for the only option when you can drive without a compulsory motor liability insurance policy - purchasing a car. From the moment of acquiring the rights to a vehicle as a result of purchase, inheritance or receipt under a gift agreement, the owner has 10 days to obtain insurance. During this period, traffic police officers do not have the right to fine the driver for not having a policy, but the driver is not exempt from the need to compensate for damage in the event of an accident.

In addition, there is a certain type of vehicle for which insurance is not required:

The car is registered in a foreign country, where an international insurance policy has been issued for it.
Transport is the property of the state and is at the disposal of the military unit.
The maximum speed of vehicles does not exceed 20 km/h.

Insurance policy: the most famous myths

Some car enthusiasts trust myths that they can drive a vehicle without taking out a car insurance policy. The most common ones are:

When driving a car under a power of attorney, the driver may not have a formalized compulsory motor liability insurance policy. This is not true; any person driving a vehicle must have a motor vehicle insurance policy.
Until 2009, the legislation of the Russian Federation had a rule allowing drivers to drive a car with a compulsory motor liability insurance policy that was no more than 30 days expired. Today there is no such rule; after the expiration of the insurance period, the driver must take out a new one.
Motor vehicle insurance is not required for motor vehicles. This is a misconception; motorcycle owners need liability insurance just like car owners.

All about how long you can drive with expired MTPL insurance

The contract of compulsory motor third party liability insurance - MTPL is a mandatory document for all drivers, since driving a vehicle without this policy is prohibited. Like any other insurance contract, the policy has a specific validity period, which is usually one year.

After the expiration of the contract, in order to further insure your motor third party liability, you must renew the policy - make it prolongation. However, not all car owners manage to renew their policy on time and wonder: is it possible to drive a vehicle with an expired policy?

Dear readers! Our articles talk about typical ways to resolve legal issues, but each case is unique.

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Is it possible to drive with expired MTPL insurance?

The MTPL policy is concluded for a certain period: from 20 days to a year , while a document whose validity has expired is considered expired and is invalid.

Previously, with an expired policy, it was allowed to use a vehicle for 30 days, but since 2008, the concept of “expired policy” has been removed from the legislation, and if now the MTPL car insurance contract has not been renewed or extended on time, it is considered that it was not issued at all. Therefore, driving a car with an expired policy is prohibited and is punishable by law in the form of penalties. Read about fines for expired MTPL in this article, and here we talked in detail about how long you can drive without MTPL after the expiration of the policy.

If this fact is established, penalties of up to 800 rubles may be applied to the car owner.

What punishment can you expect if you break the law?

In accordance with current legislation, namely the Federal Law “On Compulsory Motor Liability Insurance”, a traffic police inspector can issue a fine to a car driver for driving with expired documents , even if the period of delay is only a few days.

The amount of penalties for overdue papers may vary depending on the circumstances of the violation, which are prescribed in Article 12.37 of the Code of Administrative Offenses. For example:

If you drive a car with an expired car insurance policy, the driver will be fined 800 rubles.
If the car insurance contract was concluded for a certain period of time (for example, the car owner uses his car only in the summer months and these circumstances are specified in the contract) and when checking the documents by the inspector, it was established that the vehicle was used in another period, a fine of 800 rubles is also charged.
In the case where a compulsory motor liability insurance contract was never concluded at all and, accordingly, the driver does not have one, penalties are applied, the amount of which is 800 rubles.
If a car owner has entered into an agreement with an insurance company, but for some reason forgot to take it with him on a trip, he will be fined 500 rubles. In this situation, the driver may be required to confirm that he has insurance (we wrote more about the dangers of driving without insurance in different situations here).
If, during a document check, it is established that the vehicle is currently being driven by a person not specified in the insurance contract, a fine of 500 rubles will be imposed. This sanction applies even if the owner of the car is in this vehicle as a passenger.

Until 2014, more serious penalties were applied to motorists driving vehicles without compulsory motor liability insurance (MTPL) insurance - confiscation of license plates and towing of the car to a parking lot. Currently, such serious sanctions are not applied, however, in case of systematic violations and driving without a policy, the car owner may be deprived of his driver's license in court.

Car owners who have recently executed a purchase and sale agreement for their vehicle are given a 10-day period to complete the relevant documents, including insurance, so penalties cannot be applied to them. Read more about this here.

We extend the policy for further use

In order to avoid fines and other problems associated with participation in an accident, it is necessary to take care in advance about renewing the current policy - its prolongation. To do this, you must contact the insurance company with which you have a valid contract and fill out the appropriate application.

You can visit the branch of the insurance company to renew your current MTPL policy no earlier than 60 days before its expiration, while the new policy will begin to be valid only after the expiration of the current one.

In addition to the application to the insurance company, you must submit a certain package of documents:

current MTPL insurance contract;
car owner's passport;
driver's license - if the car will be used by several people, it is necessary to provide driver's licenses of all persons specified in the contract;
technological map containing information about passing the technical inspection;
car passport and registration certificate.

This package of documents will be required during a personal visit of the vehicle owner to the branch of the insurance company, however, you can also renew the current MTPL policy via the Internet; to do this, you need to fill out the appropriate form on the insurance company’s website, where you must indicate the details of all documents. When renewing the policy via the Internet, it is important not to forget that the received contract must be printed.

What are gross violations of the terms and conditions of MTPL insurance and what unpleasant consequences await the driver?
What fines are provided for under compulsory motor liability insurance?

Conclusion

Driving a car without an MTPL policy or if it is expired is prohibited, therefore, upon expiration of its validity period, the document must be renewed, otherwise penalties may be applied to the car owner.

How long can you drive without compulsory motor liability insurance in 2019?

From July 1, 2017, the rules of the law on compulsory motor liability insurance have changed. The new rules cancel the deferment for re-issuing an expired policy and require car owners to insure their civil liability within 10 days after purchasing the vehicle. To avoid getting a fine, you need to know exactly when and how long you can drive without compulsory motor insurance. We have grouped the information and compiled a memo for drivers, which took into account all the nuances.

How long does it take to get insurance when buying a new car?

After purchasing a vehicle, it should be insured and registered with the traffic police.

The Federal Law on Compulsory Motor Liability Insurance dated April 25, 2002 N 40-FZ has been amended several times. The latest edition came into force on July 1, 2017. It says: if a person bought a car, he must insure it within 10 calendar days.

The date of purchase is specified in the purchase and sale agreement. It is from this number that time is required to be counted. While the documents are being prepared, it is advisable for the driver to carry the DCP with him and present it along with his driver’s license when checking on the road.

When purchasing a car at a dealership, you have the opportunity to receive compulsory motor insurance immediately. There are always insurance company consultants in stores, with whom it is easy to conclude an agreement. The buyer has the right to refuse the service and take out a policy in another place within the period of time established by law.

The cost of compulsory insurance is affected by:

type of vehicle;

for what purposes will the car be used;

owner's driving experience;

To apply for a policy, individuals must prepare:

passport of a citizen of the Russian Federation;

driver's licenses of people who need to be included in the MTPL;

Is it possible to drive a car with expired insurance?

The insurance is valid for a certain period. Most often, compulsory motor liability insurance is issued for 1 year. Previously, 30 calendar days were allocated for re-registration. The grace period has now been cancelled. The policy becomes invalid immediately upon termination of the contract with the insurance company.

In order not to violate the law, the motorist should clearly remember the date of the agreement. He must contact the insurance company at least one day before the expiration of the compulsory motor liability insurance period.

You can calculate and reissue your policy online on the official website of many insurance companies. The sequence of actions is simple:

You need to register on the site.

Calculate the cost of the policy using an online calculator.

Pay for the purchase with a bank card.

Receive supporting documents and insurance by email.

The buyer does not need to certify the policy with a seal. The electronic version is the original OSAGO.

On February 15, 2018, the Central Bank of the Russian Federation issued Decree No. 4723-U. The regulator has made changes to the requirements for the use of electronic documents for civil liability insurance. Now e-MTPL comes into force 3 days after registration, so bank employees recommend paying for the purchase in advance.

You can apply for a car title for a new car only at the office of the insurance company. It is impossible to obtain the document electronically, since the vehicle data has not yet been entered into the unified OSAGO database.

When can you drive without insurance?

Federal Law No. 40-FZ of April 25, 2002, amended on December 29, 2017, in Art. 4 clause 3 provides for cases in which registration of compulsory motor liability insurance is not required.

You own a vehicle whose maximum speed is limited to 20 km/h.

The driver drives a vehicle registered in the Armed Forces of the Russian Federation.

The car is registered abroad and insured by an international insurance system.

The vehicle moves with the help of non-wheeled propulsion systems: sleds, caterpillars, etc.

I own a trailer for a car.

Driving without compulsory motor liability insurance: common misconceptions and myths

On online forums, it is easy to read messages from people who do not understand the laws and spread false information about applying for insurance. We have collected the most popular myths and misconceptions of car owners.

Despite the fact that the thirty-day grace period that was provided for policy renewal was abolished in 2009, some motorists are confident that they can still drive without compulsory motor liability insurance for a month after the end of their insurance.

There are erroneous statements that when managing by proxy, there is no need for a policy. This is wrong. If the owner of the vehicle has issued a power of attorney for another person, the person’s data must be included in the policy. Civil liability does not apply to the car, but to the driver. It is taken over by the person driving the vehicle.

Some smart people advise purchasing a fake policy. This is a useless and dangerous idea. A traffic police officer can verify the authenticity of insurance in a few minutes. For falsifying documents, the driver faces not only administrative, but also criminal liability.

Among the common myths, there is often an opinion that in the absence of compulsory motor liability insurance, the license plate number is removed from the car and it is evacuated to an impound lot. Traffic police officers do not have this right. If this happens, the actions can be easily challenged in court.

When purchasing or inheriting a car, the law gives a ten-day period for registration of compulsory motor liability insurance, but you should not abuse the opportunity. No one is protected from troubles on the road. If an accident occurs while insurance has not yet been obtained, the owner will have to pay all costs out of pocket.

Is it possible to drive with expired insurance?

The current legislation of the Russian Federation prohibits the use of vehicles without MTPL insurance. This document has a certain validity period, the expiration of which must be carefully monitored. As an experienced car enthusiast, I agree that it is not always possible to keep track of the need to renew your vehicle license. So let’s figure out together how long you can drive with expired insurance.

What is OSAGO?

First, let's figure out what a “car citizen” is and what is needed to acquire it. OSAGO is a compulsory motor liability insurance policy that every driver should have. The main purpose of the document is to compensate for the costs of repairing vehicles of drivers who were involved in an accident.

The law stipulates that every driver who uses a specific car must be included in the insurance. Violation of this condition is an administrative offense and is equivalent to driving without a “motor license.”

To purchase an MTPL policy, the driver must select an insurance company and contact them with an application in the prescribed form. Insurers will require the following package of documents to issue a policy:

the applicant's civil passport;
vehicle registration certificate;
driver's license of the owner of the vehicle;
diagnostic card, if the “automobile license” is issued for a car more than three years old.

I always draw the attention of clients who come for a consultation before formalizing the purchase and sale of a vehicle that the law provides only 10 days from the date of conclusion of the transaction for the purchase of compulsory motor liability insurance. Violation of this deadline is an administrative offense and is punishable by a fine.

An equally important and frequently asked question regarding auto liability policies is the possibility of using expired insurance. Missing the expiration date can lead to unpleasant consequences, so let's take a closer look at such situations.

Punishment for missing or expired vehicle license

Being an experienced driver, I still remember well the times when the law allowed the use of a car within 30 days from the expiration of the MTPL policy. This rule was in effect until 2009. Now, when motorists who have been fined by a traffic police inspector for 1-2 days overdue insurance come to me for consultation, I am forced to admit that such actions are completely legal.

Why is driving with expired insurance punished differently? This is an equally pressing question that arises among those who were “caught” by traffic police without a vehicle license.

Penalties

Missing the validity period of a document is equivalent to its absence, since such a policy does not have legal force. Therefore, let's look at the size of fines and types of punishment provided for these administrative offenses:

A driver who did not print out the OSAGO purchased online or forgot it at home will be fined 500 rubles. This sanction is provided for in Part 2, Article 12.3 of the Code of Administrative Offenses of the Russian Federation.
Russian motorists who do not use their vehicles all year round have the opportunity to purchase “seasonal” insurance. It is valid only in those months specified in the policy. Driving a car during a period not provided for by the “motor citizen” is also equated to the absence or use of an expired compulsory motor liability insurance, and, in accordance with Part 1, Article 12.37 of the Administrative Code of Russia, is punishable by a fine of 500 rubles.
The law provides for more severe penalties for expired insurance. A traffic participant who gets behind the wheel, despite the fact that the compulsory motor liability insurance policy has expired, will have to pay a fine of 800 rubles.

There are situations when law-abiding citizens become offenders. Various circumstances may arise in life, but, unfortunately, they do not free you from responsibility. People who find themselves in a similar situation often ask, is it possible to reduce the size of the punishment? Russian drivers have this opportunity.

If no more than 20 days have passed since the decision on an administrative offense was issued, the law allows payment of the fine with a 50% discount.

Road accident and expired insurance policy

The most undesirable and dangerous situation on the road for a driver who has expired insurance is an accident. What happens if you cause an accident? In this case, litigation and serious financial costs cannot be avoided. If MTPL insurance covered at least part of the costs associated with restoring vehicles damaged in an accident, now the culprit will have to pay all the bills themselves.

If there are victims in the accident, then such an offender will definitely be required to pay compensation for lost health, and may be asked to compensate for moral damages.

Many drivers have the question of what to do if they get into an accident and the culprit has expired insurance? Lawyers practicing in the field of automobile law recommend the following actions:

invite a specialist to conduct an examination;
determine the amount of damage;
file a claim against the driver at fault for the accident.

I always tell my clients that they must definitely try to come to an agreement and resolve the issue peacefully. A trial is always an additional expense, and people who already have to spend money on restoring their vehicles do not need them at all.

In addition to the cost of the car, the offender will in any case have to pay a fine for expired insurance.

If the accident did not occur due to the fault of the driver who has problems with the validity of the “car license”, the damage will be compensated to him. Being a victim will not exempt you from paying a fine for expired insurance. 800 rubles is not so much, but in a situation where the car has to be restored, it could be spent on other needs.

An expired insurance policy will not allow you to register a traffic accident using the European protocol. This is a very convenient way of recording the fact of an accident, which is allowed in the absence of injuries, and provided that the parties to the accident are only two vehicles. Therefore, even if the car received minor damage during an accident, drivers will not be able to avoid communicating with traffic police officers.

Keeping track of your policy's validity period is not that difficult. It is clear that the fine for violating this rule is not so large, but you should always remember what negative consequences the absence of a timely renewed policy can bring for you and other road users.