Limited car insurance penalty

What is the fine if the driver is not included in the insurance in 2019? Do you need a power of attorney to drive a car if you are included in the insurance?

In the life of any motorist there have been situations when it was necessary to get behind the wheel of someone else's car. Unfortunately, not everyone knows the consequences if the driver is not included in the insurance.

To prevent a similar situation from happening to you, we decided to tell you about whether it is possible for another driver to drive if he is not included in the compulsory motor liability insurance policy, as well as about possible fines in this problem.

What is the fine if you are not included in the MTPL insurance in 2019?

In Russia there are two types of MTPL policies for vehicle owners:

Let's look at each type separately.

Limited insurance means an insurance policy that gives the opportunity to drive a vehicle only to those persons specified by the policyholder and/or only during the season specified in the policy.

Owners of vehicles have the right to enter into compulsory insurance contracts taking into account the limited use of vehicles in their ownership or possession. (as amended by Federal Law dated December 1, 2007 N 306-FZ)

Limited use of vehicles owned or owned by citizens is recognized as driving vehicles only by drivers specified by the insured and (or) seasonal use of vehicles for three or more months in a calendar year. (paragraph introduced by Federal Law dated December 1, 2007 N 306-FZ)

Paragraph 1 and 2 of part 1 of article 16 of the Federal Law of April 25, 2002 No. 40 - Federal Law

If you plan to issue a power of attorney for someone to drive a vehicle, then this person must also be included in the compulsory insurance agreement.

When carrying out compulsory insurance, taking into account the limited use of a vehicle, the insurance policy indicates the drivers allowed to drive the vehicle, including on the basis of an appropriate power of attorney, and (or) the period of its use provided for in the compulsory insurance agreement

Part 2 of Article 16 of the Federal Law of April 25, 2002 No. 40 - Federal Law

But if, during the period of validity of the limited policy, you still need to put another person behind the wheel, then you, as the owner of the vehicle, urgently need to inform the insurer in writing about the transfer of the steering wheel to a person not included in the insurance policy. The insurer will make appropriate changes to the policy, but may require additional payment of the insurance premium.

During the period of validity of the compulsory insurance contract, which takes into account the limited use of the vehicle, the policyholder is obliged to immediately notify the insurer in writing about the transfer of control of the vehicle to drivers not indicated in the insurance policy as authorized to drive the vehicle, and (or) about an increase in the period of its use beyond the period specified in the compulsory insurance contract. Upon receipt of such a message, the insurer makes appropriate changes to the insurance policy. In this case, the insurer has the right to demand payment of an additional insurance premium in accordance with insurance tariffs for compulsory insurance in proportion to the increase in risk.

Part 3 of Article 16 of the Federal Law of April 25, 2002 No. 40 - Federal Law

If you do everything correctly, you will not face any fine. However, if you did not know in advance about the planned trip and were unable to notify the insurance company in time, then what will happen in this case if the driver of the car is not included in the MTPL insurance policy?

In fact, nothing bad will happen. Based on Part 1 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation, you will be issued a fine of 500 rubles.

Driving a vehicle during the period of its use, not provided for by the insurance policy of compulsory insurance of civil liability of vehicle owners, as well as driving a vehicle in violation of the conditions provided for by this insurance policy for driving this vehicle only by the drivers specified in this insurance policy shall entail the imposition of an administrative fine in the amount of five hundred rubles (as amended by Federal Laws dated June 22, 2007 N 116-FZ, dated July 23, 2013 N 196-FZ)

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

In this case, the fine will be issued to the driver of the car who is driving the vehicle, and not to its owner.

Fine for lack of MTPL insurance

Good afternoon, dear reader.

In this article we will talk about a fine for lack of MTPL insurance , which can be imposed both on a driver who forgot to renew an expired MTPL policy, and on a driver who just left this policy at home. Naturally, the size of the fine in the first and second cases will be different.

Within the framework of this article, several situations will be considered that involve a fine for driving without insurance:

Let me remind you that a table of traffic police fines is available for download on pddmaster.ru, which also includes the amount of the fine for lack of insurance.

Fine for driving without insurance in 2019 and 2020

First of all, let's consider the fine that is imposed on a driver who forgot his MTPL policy at home . Please note that we are talking about a forgotten insurance form, which is nevertheless valid and the driver is included in this insurance.

The punishment for driving without insurance in this case is provided for in Part 2 of Article 12.3 of the Code of Administrative Offenses and is a warning or a fine of 500 rubles .

Exactly the same penalty can be imposed on a driver who purchased compulsory motor vehicle liability insurance electronically, but did not print out the insurance policy.

As you can see, forgetting your MTPL policy is not so scary financially. For example, the fine for expired insurance is almost 2 times larger, but more on that later.

Fine for driving a car during a period not covered by the MTPL policy

In 2019 and 2020, all MTPL contracts are concluded for 1 year. However, any driver has the opportunity to reduce the period of use of the vehicle.

For example, if a driver uses a vehicle only for trips to the country (in spring and summer), then he can buy a policy for 6 months.

In this case, the cost of the MTPL policy becomes less, however, you cannot drive the car all year round. Nevertheless, this service is popular among summer residents whose cars do not appear on the roads during the cold season.

So, for the departure of a “dacha resident” at the “wrong” time of year, Part 1 of Article 12.37 of the Code of Administrative Offenses provides for a penalty of 500 rubles .

Fine for a driver who is not included in the insurance

In this case, we are talking about driving a car by a driver who is not included in the MTPL policy. For example, such a situation may arise if you urgently need to get behind the wheel of an unfamiliar car and there is no time to renew your insurance.

The fine for a driver who is not included in the insurance will be 500 rubles (Part 1 of Article 12.37 of the Administrative Code).

Penalty for expired insurance

The last fine that will be discussed in this article is the penalty for the most serious violation of insurance rules. In this case we are talking about all situations that were not previously considered.

For example, we are talking about driving a driver who has expired insurance. A similar situation may arise if the driver forgot to renew the insurance policy in a timely manner.

The fine for expired insurance is 800 rubles .

The fine for the driver not having a compulsory motor liability insurance policy in principle will be exactly the same.

For example, if the driver decided after purchase not to insure the car at all.

Do automatic cameras record the absence of compulsory motor liability insurance?

Information that automatic cameras will begin to record the absence of compulsory motor liability insurance has been circulating on the Internet for several years. The last wave of such news appeared in the fall of 2018.

However, in 2019, no drivers reported receiving a ticket for not having insurance with an automatic camera. So currently the cameras do not record .

Note. If the traffic police cameras still learn to impose a fine for compulsory motor liability insurance, this article will be updated.

Discount when paying fines for lack of compulsory motor liability insurance

In 2019 and 2020, you can get a 50 percent discount when paying fines for lack of compulsory motor liability insurance. To do this, you need to pay the fine within 20 days from the date the decision on the administrative offense was issued.

In this case, instead of 500 rubles, you can pay 250 , and instead of 800 - 400 rubles .

You can find out more about discounts when paying traffic fines in this article:

Evacuation to impound lot for lack of compulsory motor insurance

Quite often, drivers have a question about whether it is possible to detain a vehicle for lack of insurance. In 2019 and 2020, evacuation of a car to an impound lot in the absence of compulsory motor liability insurance does not apply .

Until November 15, 2014, for the absence of compulsory motor insurance, traffic police officers also imposed a ban on operation, i.e. They took the license plates off the car. In 2019 and 2020, this type of punishment is also not used.

Those. For the absence of compulsory motor insurance, the driver can only receive a fine. Other types of punishment are illegal.

Let me remind you that to purchase an MTPL policy, you currently need to have a valid diagnostic technical inspection card.

By the way, the emergence of the following illegal situation cannot be ruled out. The traffic police officer may try to convince the driver that a policy left at home is the same as an expired insurance policy. Those. he may try to impose a fine of 800 rubles, instead of five hundred rubles. You must always be prepared for this and, if necessary, immediately prepare evidence for subsequent appeal of the protocol. You can learn more about collecting evidence when communicating with police officers in the audio course “Secrets of Communication with the Traffic Police.”

And finally, I suggest you watch a funny video about the traffic police negotiation table:

The amount of the fine if the driver is not included in the insurance

What is the fine if the driver driving the vehicle is not included in the MTPL insurance? Why are drivers included in the compulsory car insurance policy? When and in what ways can an administrative fine be paid? The answers follow.

How much fine do you have to pay?

In accordance with Federal Law No. 40 (Law on OSAGO), only the owner of the car and the drivers specified by the car owner in the contract can drive motor vehicles.

Failure to comply with this rule is an administrative offense and is punishable in accordance with the Code of Administrative Offenses (CAO).

How much will you have to pay for the absence of a driver in a car? The amount of the fine and the possibility of imposing additional sanctions are determined depending on the situation.

First of all, it is necessary to take into account the type of compulsory insurance policy. The owner of a motor vehicle can issue:

a policy with a limited number of eligible drivers. The insurance is distinguished by the presence of a list of persons (full name, driver's license details) who, at the request of the car owner, can operate the car. The number of drivers in this situation is not limited, that is, you can specify one, two, three, and so on citizens
a policy with an unlimited number of persons allowed to manage it. Such a vehicle license does not indicate specific persons who have the right to operate the car, which allows any person who has a driver’s license corresponding to the category of the car and permission from the owner to get behind the wheel. The vehicle owner's permission is confirmed by the transfer of the registration certificate and the original insurance policy

If the vehicle is driven by a person not specified in the policy with an unlimited number of persons, then this situation is not an offense. Next, we will determine the responsibility for driving a car by a person not specified in the policy with a limited number of drivers.

If the owner is sitting nearby

If, when a violation is detected in the idea of driving a vehicle by a person not specified in the MTPL policy, the owner of the car is nearby, then the fine will be 500 rubles (Article 12.37 of the Administrative Code).

It should be noted that failure to comply with the basic conditions of insurance entails the invalidity of the current policy.

This means that in the event of a traffic accident recognized as an insured event under compulsory auto insurance contracts and the fault of a driver not specified in the policy, payment of compensation for damage caused or harm to the life and health of the injured party will be made at the driver’s own expense.

In someone else's car without the owner

If the owner of the vehicle is not in the car at the time of the violation, then:

the driver will be punished by a fine of 500 rubles (Article 12.37 of the Administrative Code)
the vehicle and the driver may be detained until the competence of the person to operate the vehicle is determined

The vehicle and driver may be delayed for 3 or more hours. At this time, the driver’s identity will be verified, the vehicle will be checked for theft, and, if possible, contact will be established with the car owner.

If permission from the owner is not confirmed, then:

the driver will be detained on suspicion of theft and handed over to law enforcement for further investigation
the vehicle will be towed and placed in a parking lot, which will lead to loss of time and additional costs for paying for the services of an evacuation service and security at a specialized parking lot

If an accident occurs as a result of the unlawful use of a motor vehicle, compensation for the damage caused will be paid at the expense of the driver who is at fault.

OSAGO for taxis is issued in the same way as for other vehicles, but:

the policy form indicates the possibility of using the car as a taxi
the amount of the insurance premium increases, since taxis are more likely than ordinary drivers to get into traffic accidents, which leads to an increase in the amount of compensation payments

If driving without an accident, but:

If a vehicle used as a taxi is driven by a person not listed in the vehicle registration certificate, the fine will be 500 rubles (Article 12.37 of the Administrative Code)
The driver additionally does not have a license, then you will have to pay an additional 5,000 rubles (Article 12.3 of the Administrative Code)
the vehicle is illegally equipped with “Taxi” signs or corresponding color schemes, then additional fines under Article 12.31 of the Code of Administrative Offenses will be issued to officials (25,000 rubles) and legal entities (50,000 rubles)

If an accident occurs and the driver is at fault, then additional expenses are paid to the insurance company to cover the damage caused.

The old license is included in the insurance

Will there be penalties if the compulsory car insurance policy contains the details of a driver’s license that has been replaced? No. Current legislation does not provide for liability for untimely changes to the driver’s data in the insurance policy. Such an obligation is provided only by Article 15 of the Federal Law “On Compulsory Motor Liability Insurance”.

It should be noted that in the event of an accident, the insurance company does not have the right to refuse payment or make recourse claims.

When and how should I pay?

Payment of the administrative fine must be made within 60 days from the date the decision on the administrative offense comes into force (Article 32.2 of the Administrative Code).

If you pay the fine within the first 20 days after the ruling is issued, you can receive a discount of 50% of the specified amount.

You can pay the fine in any available way. The most popular are:

payment through bank operators. Fines are paid at any bank, regardless of the region of residence of the offender. When paying through Sberbank there is no commission for transferring funds. In other credit institutions, the commission amount is set independently
payment via ATMs. There is also no commission when paying through Sberbank ATMs. Before using other ATMs, it is recommended to check the commission amount with the servicing bank
payment via terminals. The commission is determined by the tariffs of the service organization;
online on the State Services website. No commission charged
at the post office
online through the personal accounts of banks servicing the violator’s card. The size of the commission is also determined by the bank’s tariffs
online through various payment systems (for example, Yandex. Money). The commission amount is determined by the system tariffs
from a mobile phone account. Commission depends on the operator

As a rule, funds are credited to the account of the recipient of an administrative fine within 3 business days.

Why do you need to include a driver in your insurance policy?

In accordance with the latest changes made to the traffic rules, the driver is required to carry with him and provide upon request of the patrol service inspector the following package of documents:

driver's license with a category corresponding to the type of car
motor vehicle registration certificate
valid MTPL policy

The power of attorney for the right to drive a vehicle has been completely revoked. The fact that a certain person is allowed to operate a car is determined by the MTPL policy and the presence of a registration certificate.

The absence of an entry in the motor vehicle license is punishable by an administrative fine, and if the person is not indicated in the compulsory motor insurance policy and does not have a vehicle registration certificate, the driver will be removed from driving and detained, and the vehicle will be placed in a impound lot.

To receive a car from a specialized parking lot, the owner of the vehicle must:

pay for the services of a towing service for the delivery of a car
pay for parking services for vehicle security

To avoid such problems it is more advisable to:

issue a vehicle license for an unlimited number of drivers and transfer the registration certificate for the duration of operation
indicate an individual citizen in the OSAGO with a limited range of drivers and transfer him the STS

What is the fine for a driver who is not included in the insurance?

Modern domestic legislation provides for mandatory car insurance. It is not enough to just purchase a car and register it with government agencies. Registration of compulsory motor liability insurance is mandatory.

Various violations of this nature, identified during traffic operations, are fraught with serious penalties. Such sanctions may be applied if the driver of the car who was driving at the time of the inspection is not included in the insurance.

In this material we will look at what the fine is for a driver who is not included in the insurance, and all aspects related to this issue.

How many people can be entered to drive a vehicle?

To include persons driving a vehicle in the insurance policy, the document provides only five lines. But there are no restrictions on how many such persons there can be.

Transferring the steering wheel to a person who is not included in the insurance is fraught with sanctions, because failure to register the driver of the car is a violation of legal requirements. The owner of the car needs to make sure that everyone to whom the control may be transferred is included in the insurance contract in a timely manner, because a fine is provided if the driver of the car is not included in the insurance.

If there are not enough lines in the policy, the data is indicated on the reverse side, certified by the seal of the insurance company.

Attention! The number of people who can be included in auto insurance is not limited to five policy lines.

These persons must be included in the issued policy free of charge, in any required quantity. But it should be noted that if the person driving the vehicle is less than twenty-two years old and has no more than three years of driving experience, some additional payment may be required due to the need to apply an increasing factor in the calculation. The same situation is typical for people who have problems with safe driving. If there are several such persons, limited auto insurance is not advisable from an economic point of view.

What fine is provided without compulsory motor liability insurance?

Do not forget that driving a car without compulsory motor insurance is not allowed. If the policy has already expired, then this is equivalent to its absence. Be that as it may, the size of the amount if stopped without insurance is quite significant. In accordance with Art. 12.37 Part 2 of the Code of Administrative Offenses of the Russian Federation, it is 800 rubles.

If the policy is issued, but is simply not present in the car at the moment, the fine is slightly less, its value is 500 rubles (Article 12.37 Part 1 of the Code of Administrative Offenses of the Russian Federation).

Of course, the driver, if he is not driving his own car, can try to convince the traffic police during the check that he was deceived, assuring him that car insurance was issued. But this is unlikely to work. Therefore, before you get behind the wheel, you must make sure not only that the policy has been issued, but also that it is present in the vehicle.

What happens if the driver of the car is not included in the insurance, we will analyze further.

Responsibility when the owner is nearby

If the person driving the car is not included in the insurance, what fine will he face if the owner is present? Regardless of whether the owner is nearby or not, limited car insurance, even if the owner is nearby, requires that the person driving the vehicle be indicated in the insurance contract. For this violation, administrative punishment is inevitable, but in the regulations there are discrepancies regarding who is subject to it: the owner of the vehicle or those at the helm.

As a rule, a fine for the fact that the driver is not included in the insurance is issued to the driver of the car. The amount currently amounts to five hundred rubles.

Responsibility without an owner

As mentioned above, the absence of the owner of the car in the cabin does not exempt from liability for this offense. But there are some subtleties. The thing is that currently there is no requirement to have a power of attorney. You only need to have with you:

driver license;
vehicle registration document;
OSAGO policy.

The last of the listed documents actually certifies ownership of the car, since the owner is most often included as the first number in the insurance policy.

Important! The absence of its owner in the car does not exempt from punishment for failure to include the driver of the car in the car insurance.

If a person is not registered with OSAGO, in addition to issuing a fine, a traffic police officer may detain the car to check the circumstances of its operation. It must eliminate the possibility of theft, the car being wanted, etc. This may cause unforeseen delays.

Therefore, in addition to penalties, this situation is fraught with unplanned loss of time.

Time to pay a fine for an unregistered driver

The amount of penalties has already been mentioned. They must be paid at any financial institution. Payment is possible by bank transfer, via the Internet, etc.

If the driver is not included in the insurance, how much time is allowed to pay the fine? The amount must be paid in full no later than two months from the date of recording the fact of violation of the law.

But there are some clarifications:

half payment is possible within the first twenty days;
It is possible to grant a deferred payment, but this requires additional paperwork. Payment may be deferred for up to three months.

If you are not included in the accident insurance?

If the driver is not included in the insurance, and an accident occurs for which he is found guilty, the situation will develop as follows:

the insurance company will pay the injured owner compensation for the consequences of the accident;
the culprit will have to pay the amount of the payment to the insurer.

Of course, this does not exempt you from paying penalties for the fact that the driver is not included in the MTPL policy.

To summarize the above, we can note:

having a compulsory motor liability insurance policy is mandatory;
driving with unissued car insurance, if stopped for inspection by traffic police officers, faces an administrative penalty in the amount of 800 rubles, and for its absence in the car, if the fact of registration is confirmed, - 500 rubles;
if the driver of the car is not included in the compulsory motor liability insurance policy, an administrative penalty of 500 rubles is provided;
the amount of the amount does not depend on the presence of its owner in the car.

Fine for lack of insurance in 2019

Many situations related to car insurance are regulated by the Code of Administrative Offences. Penalties are imposed as an administrative penalty. A fine of 5,000 for driving without insurance according to the new rules is a new type of punishment that causes considerable indignation among legal entities and individuals.

According to the law, the absence of an MTPL insurance policy is a reason for issuing a fine, but this measure is provided only when a document is missing or the policy is issued with violations. Let's consider situations where a significant fine is imposed for such actions on the part of the car owner. We will try to answer the question whether the fine for driving without insurance in 2019 is really 5,000 rubles.

Do cameras fine you for compulsory motor liability insurance today?

According to the latest data, penalties for driving without insurance in 2019 begin to apply only from the beginning of March. Until this day, the traffic police should have excluded erroneous data from the database. Since the amount of the penalty is significant, errors and inaccuracies can lead to the wrongful imposition of punishment and subsequent legal proceedings.

The leadership of the State Traffic Inspectorate has repeatedly stated that the system with data on cars and citizens does not work fully. The database lacks information:

car numbers;
data from the RSA database on existing insurance policies.

Without combining this information and integrating it with the operation of video cameras on the roads, the possibility of bringing violators to justice will not be available. It turns out that the traffic police will not issue fines for driving without insurance in 2019 based on video footage. The opportunity will become available as soon as the above conditions are met.

Important! The exact start date for fines for compulsory motor vehicle liability insurance on video cameras is not indicated, but it can begin at any time. Car owners should follow events and news in this area.

New fine of 5,000 rubles for driving without insurance from January 1, 2019 - true or false?

In Russia, citizens are accustomed to believing the latest news and everything that is reported on TV. This caused widespread rumors and talk about a significant amount to be paid.

Important! In 2019, no amendments were made to the Administrative Code. New rules for fining for lack of compulsory motor liability insurance have not been adopted. The amount of punishment is 500-800 rubles. There is no question of 5 thousand rubles.

What is the penalty for driving without insurance this year?

The requirement to obtain a “motor citizenship” was introduced in Russia about 15 years ago. The amount to be compensated was to pay off the damage that the culprit of the accident caused to another person. There are payment limits set by the state. The amounts to be collected for neglecting traffic rules also apply separately.

Important! According to the law, the fine for lack of insurance in 2019 is 800 rubles. The inspector has the right to slow down the violator any number of times. Even if detained again, a monetary penalty will be imposed in the amount specified by law.

When the detainee makes a trip in his own car and the policy is issued in his name, no problems arise. If a motorist is driving someone else’s car without the owner, then it is necessary to check whether the driver is included in the MTPL policy. Failure to register will result in a penalty of 500 rubles. Other grounds for issuing penalties include:

Driving without insurance when the document was not issued.
The OSAGO is expired or the owner forgot the document at home or lost it.
A forged document was presented.
The driver is not in the “motor citizen”.
Papers were presented for another car.

All of these cases are described in detail in the current legislation and affect the amount payable.

On a note! If a receipt has already been issued, you can reduce the amount by paying the debt through the State Services portal with a 50% discount.

New rules

The cost of obtaining a motor vehicle license increases every year. In this regard, motorists prefer not to insure their cars so as not to spend extra money. It is easier to pay off a debt than to constantly worry about whether the cost of compulsory motor insurance has increased or not. To stop this state of affairs, the state has nevertheless developed several innovations in this direction:

documents will be checked by traffic police officers and CCTV cameras. So far the project has been launched in Moscow as a “pilot”. Notice of violation will be sent to violators by mail;
For now, a bill to increase the amount to 5 thousand rubles is under consideration.

This option of punishment was already proposed, but was rejected due to the significant amount to be paid. Today there is every chance that a decision will be made, since the number of accidents involving drivers without a license has increased by 1.5 times.

After the adoption of new rules, paying for an MTPL policy will become financially more profitable than receiving endless fines. It is also important to note that it will not be possible to obtain insurance without a technical inspection.

Amount of fine depending on the situation

For a comprehensive consideration of the issue, we present several excerpts from the Code of Administrative Offenses regarding the type of punishment for lack of insurance.

What is the fine for driving without insurance in 2019?

When insurance is not issued for the car, but the driver continues to operate it, the violator is issued the maximum amount to recover - 800 rubles. Other types of punishment are also provided:

500 rub. – the driver is not included in the policy or the vehicle is operated outside the season prescribed in the compulsory motor liability insurance policy.
500 rub. – when the driver did not take the insurance policy with him (the original MTPL or a copy of the electronic policy).

What is the fine for driving with expired insurance in 2019?

A fine of 800 rubles is imposed on the owner of the vehicle if he continues to operate the vehicle, although the term of the vehicle license has already expired.

Attention! There is a misconception among drivers that after the expiration of the policy, they are allowed to drive a car without a policy for a month. According to the law, a fine for expired insurance in 2019 is issued even for one day of delay.

What is the fine if it is not included in the insurance 2019?

There is not much difference in how much the fine will be under such circumstances. This is due to the fact that the violation is recorded and the guilty person must be punished.

And the owner is nearby

It will not be possible to avoid liability, since the violation is obvious. The only advantage in this situation is that the vehicle will not be confiscated to the impound lot.

Without a master

Driving a vehicle without a policy and without an owner will result in a fine of 500 rubles and possible confiscation of the vehicle.

If a violation is detected, traffic police inspectors draw up a special protocol. Then the case is transferred to the court, where the amount of the fine is determined.

Who can do without a car license?

It is necessary to highlight cases when a fine for lack of compulsory motor liability insurance for individuals is not issued.

This is possible under the following conditions:

When vehicles can travel at speeds up to 20 km/h.
The vehicle was purchased and registered abroad, but has a “green card”.
For owners of car trailers.
If the vehicle does not have a crawler, sled or half-track.

On a note! For military equipment in service with the Russian Armed Forces, insurance documents are not required.

Is it possible to challenge it?

If a citizen has doubts about the correctness of the fine or has any questions, he can seek clarification from the traffic police or submit an application to the judicial authority.

Conclusion

Reports of a fine of 5,000 rubles for lack of MTPL insurance do not yet have any legal basis. At the same time, there is a possibility that such a law will be adopted and citizens will have to pay money for the violation on a large scale.