Is it possible to travel with a photocopy of OSAGO

Does the driver need to have the original policy with him or can he drive with a copy of the MTPL?

Today, traffic police officers are recommended to use a single electronic database to check MTPL policies in electronic format.

In the future, it is planned to prepare and introduce changes to the traffic rules, which will be related to both the registration and provision of a compulsory motor liability insurance policy.

Whether the driver needs to have the original policy with him or not will be discussed in this article.

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What documents is the driver required to carry with him?

Below is a mandatory list of documents that a car owner must have with him and which has not changed for many years.

The list of documents includes:

Your driver's license.
Motor vehicle liability policy (why do you need compulsory motor third party liability insurance?).
Vehicle registration certificate.
Your passport or a document replacing it.

Even if you are afraid of losing this document, you still should not make a copy and carry it with you instead of the original, this is unacceptable.

If the driver does not have the original car insurance policy in hand, then traffic inspectors have every right to issue a fine to the violator and drive the car to a fine parking lot until all the circumstances are clarified.

Article 32 of Federal Law No. 40 of April 25, 2002 “On compulsory motor third-party liability insurance” states that a person driving a vehicle is required to carry a motor vehicle insurance policy. This article also states that the driver is obliged to provide the traffic police officer with this document upon request.

But at the same time, Article No. 7 states that the driver has the right to conclude a voluntary insurance agreement in electronic form.

If not so long ago RSA advised car owners to carry a printed version of the e-document with them, then recently the need for this has disappeared (but not in the regions). Read more details about electronic policies here.

It’s just that previously not all traffic police officers had the opportunity to check the policy online, but today they have received this opportunity and now a printout of the e-policy is not needed.

Today, only those drivers who have received an electronic version of the policy have the opportunity not to carry an MTPL policy with them, but in the near future it is planned that drivers with a paper copy will also have the opportunity not to carry this document with them. Policies will be checked online using a single database.

When can you drive without a policy?

The legislation provides for a period of 10 days from the moment the owner receives a document confirming his title to the car - during this period the new owner must purchase a motor liability insurance policy. During this period, you are allowed to drive a vehicle without having a policy and you cannot be fined for this. This provision is regulated by paragraph 21 of the Traffic Regulations.

Types and amounts of fines

Even if you have all the documents for the car and the license that allows you to drive a vehicle, but you do not have a motor vehicle liability policy, you will not be able to avoid penalties from the traffic police. The amount of penalties directly depends on the type of offense.

What penalties are provided for driving a car without insurance:

If the driver forgets this document (at home, in the office, etc.), then he faces a fine of 500 rubles.
If the driver for some reason fails to complete this document, he faces a fine of 800 rubles.
If the driver has an MTPL policy, but this agreement has expired, he will be issued a fine in the amount of 800 rubles.
When traveling by car outside the contract period, the fine is 500 rubles.
If the driver is not included in the insurance contract, then a fine for such violation is issued in the amount of 500 rubles.

What to do if you don’t have MTPL with you?

If you took out a policy, but for some reason did not take it with you, you will still have to pay the corresponding fine.

This act is qualified as a violation of traffic rules in accordance with Art. 12.3 Code of Administrative Offences, Part 2. This article is only valid if you really forgot your document and can provide it.

Traffic police officers can issue you a fine as a person who does not have a policy at all and will be right in this, it all depends on the specific traffic police officer, how he qualifies your violation (he will be right in both cases), however , the amount of the fine in the latter case will be higher.

Since November 15, 2014, traffic police officers have no legal grounds to remove the license plate from your car for the absence of a compulsory motor liability insurance policy. Regardless of whether the traffic police officer writes you a fine of 500 or 800 rubles, he will be right in any case and it is absolutely pointless to then file complaints against him to a higher authority.

It all really depends on your ability to persuade and, of course, on your sincere surprise at the moment when the absence of a policy is discovered, whether the traffic police inspector will believe you or not.

If a traffic police officer issued you a fine of 800 rubles and did not take your word for it, then on the form on which the fine is issued, make a note that you disagree with the penalties applied to you, that you do not consider this decision to be lawful and that you forgot your policy at home.

Naturally, such a situation cannot be avoided without unnecessary hassle. Now you will have to visit the traffic police department with a motor vehicle liability policy in hand to prove that you are right.

At the traffic police department, you will have to write a statement addressed to the head of this service with a request to review the case. You must include a copy of your insurance with your application.

Is it enough to have a copy instead of the original?

The law clearly states that the driver must have the original MTPL policy with him, but not a copy of this document. Even if you certify your copy of the motor vehicle policy with a notary, this document will not have legal force (according to the Law on Compulsory Motor Liability Insurance, Article 15, paragraph 7).

All documents required by law and which you must present to the traffic police officer upon first request must be strictly originals.

If the driver has entered into an agreement with an insurance company online (more about this here), then he is provided with the original document in PDF format, which should be presented to the traffic police officer when checking the documents.

This aspect also correlates with traffic rules clause 2.1.1, according to this clause , the person driving the vehicle must have and provide traffic police officers with a motor vehicle liability insurance policy , in the event that such an insurance obligation lies with the citizen and is established by federal legislation (for example , OSAGO).

Problems with insurance verification

Problems with checking this document most often arise due to the lack of technical means for the traffic police officer to carry out the check (smartphone, tablet, etc.), which would allow this employee to check this document using the unified PCA database.

The Law on Motor Liability Insurance states that a person who drives a vehicle must have an original copy of the MTPL insurance or a copy of the contract if it was concluded in electronic format.

But if the person driving the vehicle does not agree with the actions of the traffic inspector, then he can always challenge the fine issued to him. If during the verification process it turns out that a representative of the law committed violations, he will be held accountable.

More and more car owners are beginning to enter into MTPL agreements in electronic format, but not all traffic police officers have at their disposal the technical means to check the policy using a single RSA database online (this is especially true in the regions). We wrote more about how to print a policy on the website in this article.

Of course, there are many nuances in this matter today, however, progress does not stand still and soon, according to experts, intermediary activities in insurance may completely disappear, which will naturally lead to a decrease in the cost of this product.

In addition to traffic police inspectors, in the near future, the presence of a car driver’s insurance policy will also be checked using CCTV cameras. The first to be affected by this innovation will, of course, be traffic violations. Based on the video, fines will not only be issued, but at the same time the car will be checked for the presence of an MTPL policy.

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What documents should the driver have and is it possible to carry a photocopy of the MTPL policy?

Today, the electronic OSAGO policy is popular among drivers, since its registration takes a minimum of time and effort. However, the Code of Administrative Offenses of the Russian Federation states that the driver is required to carry a motor vehicle insurance policy with him, which raises many questions regarding E-MTPL. Let's figure out how to drive with a copy of OSAGO without causing the wrath of traffic police officers and the corresponding fines.

What documents is the driver required to carry with him according to the law?

First of all, it should be mentioned that according to clause 2.1 of the Road Traffic Rules (hereinafter referred to as the Traffic Regulations), the driver is required to have 3 main documents with him:

driver's license;
a valid motor liability insurance policy;
vehicle passport (hereinafter referred to as PTS).

At the first request of the traffic police officers, the driver is obliged to provide documents for verification. However, the difficulty in interpreting the laws lies in the fact that nowhere is it mentioned about providing copies or duplicates of the above-mentioned documents.

Article 32 of Federal Law No. 40 “On compulsory motor third-party liability insurance” regulates the mandatory availability of compulsory motor liability insurance. The lack of insurance for a motorist entails penalties in the amount of 500 rubles, based on Article 12.3 of the Code of Administrative Offenses of the Russian Federation.

Is it possible to drive with a copy of the MTPL policy instead of the original?

As already mentioned, no regulatory legal acts mention the possibility of providing a copy of the above documents upon request of a traffic police officer.

Important! The presence of a copy of the insurance policy does not confirm the presence of the original, even if it is notarized. Existing legal norms nowhere regulate the legal value of such documents, therefore human rights activists do not recommend using them. Even if the driver is afraid of theft or loss of documents, it is unacceptable to carry a copy of the OSAGO.

Is a copy of electronic OSAGO legal?

Federal Law No. 40, Art. 15, clause 7.2 speaks of the possibility of purchasing electronic OSAGO (hereinafter referred to as E-OSAGO), which raises a logical question - how to provide it to a traffic police officer if necessary.

Electronic insurance is issued by contacting the insurer via the Internet. The order of registration is approximately as follows:

The driver fills out an electronic form on the Insurance Company website and pays for the policy.
The insurer checks the data, confirms payment and sends a copy certified by its electronic signature to the policyholder by mail.
The IC enters data about the registered document into its database, from where the information enters the registers of the RSA and the Ministry of Internal Affairs.
At the client's request, the insurance company sends a paper original of the document by regular mail, which the car owner can take with him.

Several years ago, on the website of the Russian Union of Auto Insurers, drivers were recommended to print out a copy of the electronic insurance and carry it with them so as not to raise questions from traffic police officers.

Today there is no such need: all traffic police and traffic police officers are equipped with the technical ability to check electronic vehicle registration in the registers of the Ministry of Internal Affairs or the RSA online, so a copy of the e-MTPL is not needed. The only thing you need is your insurance details and car registration information.

Let's summarize! Registration of an electronic policy makes it possible not to provide it at the request of traffic police officers, however, when concluding an insurance contract in paper form, the driver is required to have it.

What to do if the original document is left at home

Legislative acts do not clearly state that for driving without documents, the violator is subject to penalties. For the absence of an insurance policy, in principle, a penalty of 800 rubles is expected; for failure to provide insurance or for a photocopy, the motorist will pay 500 rubles.

Drivers need to remember that the law is the same for everyone, so it is better not to forget important documents at home.

In case of loss or theft of documents, including voluntary car insurance, you should definitely contact the insurance company again and get a duplicate.

This is done on the day of application, the driver will receive a document with the same series and number, and the form will contain the appropriate mark.

If a duplicate of the insurance policy is presented upon request, no fines are imposed, since this document is equivalent to the original.

When can a driver drive without an insurance policy?

It is also worth mentioning that, according to Art. 2 clause 2.1 of the Traffic Regulations, the owner of the vehicle is obliged to take out civil liability insurance within 10 days.

Important! Within 10 days after purchasing a car, the owner cannot be fined for not having a civil liability policy. However, experts recommend doing this as soon as possible, since in the event of an accident the insurance amount will not be paid, and if an uninsured driver causes an accident, then all compensation costs will fall on his shoulders.

Among other things, the absence of an insurance policy will not allow the driver to register the vehicle with the traffic police.

Types and amounts of fines for the absence of a compulsory motor liability insurance policy

Constantly changing legislation requires clarification regarding the sanctions applied to drivers who do not have an insurance policy.

Until November 2014, if a driver was found to lack insurance, they were deprived of the opportunity to operate their vehicle. In other words, the motorist was threatened with deprivation of his license.

The types of fines and amounts are presented in the table:

Is it possible to carry a copy of the MTPL policy with you instead of the original?

After the introduction of electronic motor liability insurance policies into practice, car owners often have a question: is it possible to drive a car with a copy of the insurance in hand? After all, legislative and regulatory acts do not contain a direct prohibition on presenting a copy of the policy to representatives of authorized bodies.

What the law says

Article 15 of the Federal Law of April 25, 2002 No. 40-FZ “On Compulsory Motor Liability Insurance” establishes that after drawing up an agreement with an insurance company, the client receives a document that records his responsibility to other road users.

In accordance with paragraphs. 2.1.1 clause 2.1 of the Traffic Rules, the driver of the vehicle must have with him and, at the request of police officers, hand over to them documents, which include a compulsory motor liability insurance policy in cases where federal law establishes an obligation to insure civil liability in relation to the vehicle.

Not a single regulatory act talks about transferring a copy of the policy or its duplicate to authorized persons. If the driver does not have insurance with him, then this falls under Article 12.3 of the Code of Administrative Offenses of the Russian Federation, which is a warning or the imposition of an administrative fine in the amount of 500 rubles.

If the original policy is lost, the car owner must contact the insurance company and request that a duplicate be issued to him. In most cases, the document is issued on the day of application. The series and number of the duplicate coincide with the same details of the original; the “Duplicate” mark is placed on the document form.

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Copy of electronic MTPL

Clause 7.2 of Article 15 of the Federal Law “On Compulsory Motor Liability Insurance” establishes the possibility of issuing a compulsory motor liability insurance policy in electronic form. This innovation is due to the global trend of transferring document flow from paper to electronic form.

This opportunity is realized by contacting the insurance company via the Internet, paying for insurance online and receiving a document in electronic form, which is created using an automated information system for compulsory insurance and signed with the electronic signature of the insurer. The insurer enters information about the electronic policy into a single database, and from that moment the car owner can drive the car.

When insurance is issued in the form of an electronic document certified by an electronic signature, it is recognized as a document equivalent to a paper document signed with a handwritten signature. At the same time, car owners have the opportunity to receive a document drawn up on paper. It can be issued free of charge from the insurance company or sent to the client at his expense by post.

Article 32 of the Law “On Compulsory Motor Liability Insurance” regulates the procedure for monitoring the fulfillment of insurance obligations by vehicle owners. It is entrusted to the police when registering and exercising other powers in the field of monitoring compliance with traffic rules and regulations in the field of road safety.

The driver of the vehicle is required to have with him an MTPL insurance policy or printed information on paper about concluding a compulsory insurance agreement in electronic form and submit the relevant document for verification to authorized police officers.

A police officer can check the authenticity of a document through the database of the Ministry of Internal Affairs or the Russian Union of Insurers (RSA). To do this, you will need information about your insurance details and vehicle registration details. Based on the search results, information is provided about whether the policy is valid and who has the right to drive this car.

It is necessary to present a document (original insurance or a printed copy of an electronic document) in paper form. At the same time, the following practice has developed in the relationship between car owners and police officers: if the driver issued a policy in electronic form, and the inspector found it in the database, then punishment due to the lack of a paper document is not applied.

Thus, if a car owner ordered and received an MTPL policy on a paper form, then he is obliged to hand over the original document to the police officer. If the insurance was issued electronically, then it is enough to present a printout with the details, but without a seal and signatures.

Is it possible to drive with a copy of MTPL insurance?

In 2019, electronic insurance is commonplace. However, there are still some uncertainties in their use. For example, is it necessary to print out a compulsory motor liability insurance policy received via the Internet?

And if so, is this enough, or will some additional actions be required for the paper to have legal force?

Is it possible to drive with a copy of OSAGO

Can I drive with a copy of my car insurance? The law on compulsory motor liability insurance confidently answers this question - no. The document can only be original.

Drivers often try to show an electronic version of their MTPL policy at the traffic police post on the screen of some gadget: tablet or smartphone.

This is also wrong, as evidenced by the first paragraph 32 of Article 40 of the Federal Law. The insurance form must be present in the car on paper.

If you submit an electronic document, you can print it yourself. Or contact the insurance company and receive your MTPL on an official form in person or by mail.

How to print an electronic policy

After registering and paying for insurance online, the client receives an insurance policy form in PDF format by email. Some insurance companies also store it in the policyholder’s personal account on the company’s official website. You can simply print it on your home printer in standard A4 format. There is no need to have the paper certified by the insurer.

This form will look almost the same as a regular one. But the text on it will be on both sides of the sheet. One of them, in particular, will contain information about how and where this form was purchased. On the reverse side there should be a long set of numbers and letters. This is a unique key, an electronic seal that replaces the usual one. Using it, the document can be quickly found in the relevant databases.

Traffic police officers have all the necessary means to verify the authenticity of such a document. Specialized databases common to various intelligence services serve this purpose. In them you can find the insurance information you are interested in, knowing the license plate number and VIN code of the car. If checking this way is not available for some reason, the traffic cop will have to contact the RSA database. Information about insurance must be entered into it immediately after purchasing compulsory motor liability insurance.

What if the original is lost?

Under no circumstances should you drive a car without a compulsory motor liability insurance policy issued for it. It is also unacceptable to show traffic police officers a copy of your insurance. Both of these threaten the driver with a fine. So, if the insurance is lost, it will need to be restored.

To do this, you need to contact the office of your insurance company. However, some companies allow you to restore your electronic policy via the Internet. In general, the procedure for obtaining a duplicate is quite simple and fast. You will need to provide the following documents:

Next, a special statement is written. It must contain the details and contacts of the policyholder, as well as information about the vehicle. As a rule, the insurer has a ready-made form that the client only needs to fill out. After which the contract is signed, and the car owner receives the policy. This procedure is usually free.

So, is the driver required to carry an insurance policy with him? Yes. If it was purchased online, it must be a printout; the option with the form on the screen of a phone or any other device is not allowed by law. It is also not possible to present a copy of the document instead of the original. In case of loss, you will have to contact the insurance company for a duplicate.

Is it possible to drive with a copy of compulsory motor insurance insurance in 2019?

of the Road Traffic Regulations, the driver of the vehicle must have with him and, at the request of police officers, hand over to them documents, which include a compulsory motor liability insurance policy in cases where federal law establishes the obligation to insure civil liability in relation to the vehicle. Not a single regulatory act talks about transferring a copy of the policy or its duplicate to authorized persons. If the driver does not have insurance with him, then this falls under Article 12.3 of the Code of Administrative Offenses of the Russian Federation, which is a warning or the imposition of an administrative fine in the amount of 500 rubles. If the original policy is lost, the car owner must contact the insurance company and request that a duplicate be issued to him. In most cases, the document is issued on the day of application. The series and number of the duplicate coincide with the same details of the original; the “Duplicate” mark is placed on the document form.

Is it possible to carry a copy of your compulsory insurance policy with you instead of the original?

Is it possible to travel with a copy of the insurance policy in 2018?

If you don't want to get into this situation, read on.
The other day, one of my friends was stopped by traffic cops. He looked like he had been working only recently. The amount of the fine for driving without MTPL insurance in 2018. Motorists are often interested in the question of what punishment or fine may be faced if the driver driving the car does not have insurance or is not included in the MTPL insurance policy. In this article, we will look at answers to pressing questions about fines for eating without insurance. After all, there are several situations when, when driving a car, the driver actually does not have a compulsory motor liability insurance policy, such as driving without insurance, when he forgot the policy at home, and when he did not take out a compulsory motor liability insurance policy, when you are driving with expired insurance, when the owner of the vehicle “allowed the driver to steer” who did not included in the MTPL policy.

Presentation of an electronic insurance policy to a traffic police officer

Is it possible to carry a copy of your compulsory insurance policy with you instead of the original?
Presentation of an electronic insurance policy to a traffic police officer
Fine for lack of compulsory motor insurance policy in 2018
Driving without MTPL insurance - new rules and fines in 2018
Is it possible to drive with a copy of the MTPL policy in 2018?

Is it possible to carry a copy of your compulsory insurance policy with you instead of the original? When can you travel without a policy?
The legislation provides for a period of 10 days from the moment the owner receives a document confirming his title to the car - during this period the new owner must purchase a motor liability insurance policy. Important During this period, you are allowed to drive a vehicle without having a policy and you cannot be fined for this. This provision is regulated by paragraph 21 of the Traffic Regulations. At the traffic police department, you will have to write a statement addressed to the head of this service with a request to review the case. You must include a copy of your insurance with your application. Is it enough to have a copy instead of the original? The law clearly states that the driver must have the original MTPL policy with him, but not a copy of this document.

Even if you certify your copy of the motor vehicle policy with a notary, this document will not have legal force (according to the Law on Compulsory Motor Liability Insurance, Article 15, paragraph 7). All documents required by law and which you must present to the traffic police officer upon first request must be strictly originals. If the driver has entered into an agreement with the insurance company online, then he is provided with the original document in PDF format, which should be presented to the traffic police officer when checking the documents.

What happens if you drive with a copy of the insurance policy instead of the original and is it possible to do this?

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Find out how to solve exactly your problem - call right now: +7 (499) 755-90-64 Moscow It's fast and free! Materials from the OSAGO section Subsections: Bonus-malus Calculation Which regions and on what basis receive the status of problematic and toxic under OSAGO? It is important for every car owner to know: is it necessary to take out a compulsory motor liability insurance policy to register a car? How to conclude an insurance contract under MTPL? Why is this necessary and what are the nuances of the agreement? Is it possible to print out an electronic MTPL policy and drive with it without fear of a fine? Meet the new OSAGO policy. Comparison with the old one, differences from the fake one, photo In simple language about the current edition of the MTPL rules. Are electronic police policies valid for the traffic police? For the traffic police, as for any other government organizations, e-OSAGO has full legal force. That is, no official, including a traffic police officer, can refuse to accept an electronic MTPL policy, citing the fact that there is no regular version. According to RSA representatives, there was only one precedent when an inspector issued a fine for electronic insurance.

Is it possible to drive with a copy of compulsory motor insurance insurance in 2018?

What documents is the driver required to carry with him?
When can you drive without a policy?
Types and amounts of fines
What to do if you don’t have MTPL with you?
Is it enough to have a copy instead of the original?
Problems with insurance verification

What documents is the driver required to carry with him? Below is a mandatory list of documents that a car owner must have with him and which has not changed for many years. Is it possible to travel with a copy of the compulsory insurance policy in 2018? In this publication we will look at whether it is necessary to print out an electronic policy. Execution of compulsory motor third party liability insurance contracts in the form of an electronic document is provided for in clause.

Attention The law does not provide for If the driver drives without compulsory motor insurance, these types of punishments are illegal in 2018:

detention of a vehicle;
his evacuation to the impound lot;
removing license plates from a car.

All car enthusiasts know whether it is possible to drive without an MTPL policy. But many of them do not take seriously the fines provided for by the Law for those who allow driving without insurance. And you have to pay every time. Fine for not having an MTPL policy in 2018. Possible problems when using an electronic MTPL policy. During the period of creation of services, the process of obtaining and using e-MTPL had a large number of difficulties.

Thus, only some insurers had a purchase option on their website, and if they did, there were constant problems with the service.

Is it possible to drive with a copy of the MTPL policy in 2018?

In some cases, the driver manages to limit himself to such a measure of responsibility as a warning. As a general rule, violation is punishable by a reduced sanction - 500 rubles. If for some reason the inspector classifies the act of a forgetful driver as a complete lack of insurance, the decision to impose a penalty must be appealed in the prescribed manner. The second situation, when the period of operation of the car specified in the documents is less than the validity period of the insurance contract, is punishable by the same sanction as forgotten insurance. This happens when the car owner takes out insurance, for example, for six months, trying to reduce the amount of the insurance premium for some reason. The situation is similar with driving a car by a person who is not named in the compulsory insurance policy.

The legislator provided for a transition period for the introduction of non-paper MTPL insurance from July 1, 2015. Is it possible to drive with a copy of MTPL in 2018 After the legislator introduced the practice of using electronic MTPL insurance in 2016, car owners had a logical question: is it possible to drive only with a copy? OSAGO? Despite the fact that regulations do not directly prohibit presenting a copy to traffic police officers, they still require its original. Dear readers! Our articles talk about typical ways to resolve legal issues, but each case is unique.

If you want to find out how to solve your particular problem, please use the online consultant form on the left or call +7 (800) 777-08-62 (ext. 101). It's fast and free! Table of contents:

1 What the law says
2 Copy of electronic MTPL