No car insurance fine

Fine for driving without MTPL insurance

The fine for lack of compulsory motor insurance is the maximum penalty for driving without insurance. Gone are the days when, for such traffic violations, traffic police officers removed license plates and sent the car to an impound lot. On November 15, 2014, these measures were abolished, so all the inspector’s hints about evacuation are nothing more than an attempt to intimidate the driver.

However, this relaxation is not at all a reason to completely abandon the MTPL policy, because the obligation to enter into an auto liability insurance agreement still remains in force.

The fine for driving without MTPL insurance in 2019 (and also if the driver is not included in the insurance) ranges from 500 to 800 rubles. The final amount will depend on the circumstances in which the violation occurred.

Next, we will consider each case separately, but first we will deal with who is still subject to administrative liability.

Who faces a fine for driving without insurance?

To understand who faces a fine for driving without insurance, let us turn to the text of Federal Law No. 40-FZ, or more precisely to its part 3, article 4.

According to this document, all categories of vehicle owners, except those listed in the list below, are subject to administrative liability for driving without insurance:

Owners of vehicles whose maximum design speed does not exceed 20 km/h.
Owners of vehicles not allowed to participate in road traffic on the territory of the Russian Federation.
Organizations whose balance sheet includes military transport that meets the needs of the armed forces, with the exception of vehicles serving the economic units of military formations.
Owners of cars registered abroad, subject to international Green Card insurance.
Citizens who own passenger trailers.
Owners of non-wheeled vehicles and trailers for them. This category includes vehicles on tracked, half-tracked, sled and other non-wheeled vehicles.

As you can see, the vast majority of car owners are subject to administrative liability, so it’s time to move on to the fines themselves and their amounts.

Amounts of fines for driving without MTPL insurance

The Code of Administrative Offenses of the Russian Federation (abbreviated as the Code of Administrative Offenses of the Russian Federation) provides for liability for driving without insurance in three cases:

If the driver driving the vehicle does not have insurance with him (for example, he forgot it at home) - a warning or an administrative fine in the amount of 500 rubles (Article 12.3 Part 2 of the Administrative Code).
Driving during a period not covered by the MTPL policy (do not confuse it with expired insurance) - an administrative fine of 500 rubles (Article 12.37 Part 1 of the Administrative Code).
There is obviously no compulsory civil liability insurance policy (insurance was not issued or its validity period has expired) - an administrative fine in the amount of 800 rubles (Article 12.37 Part 2 of the Administrative Code).

Below we will look at each of these cases in detail. And the full table of traffic police fines for traffic violations can be downloaded here - there is also a list of the most “popular” fines in Russia.

Fine for driving without insurance (forgot at home)

The minimum penalty is provided for those drivers who forget their insurance at home. Each such episode can result in a loss of 500 rubles (Article 12.3 Part 2 of the Administrative Code). True, for this you still need to convince the inspector that the policy exists at all. The following can be cited as evidence:

insurance contract number;
name of the insurer;
phone number of your insurance agent, who can confirm the information.

If the inspector remains deaf to all the arguments and explanations and issues a maximum fine of 800 rubles, the driver has the right to file a complaint addressed to the head of the traffic police, attaching a copy of the current MTPL policy. After consideration of the application, the amount of the fine will be reduced to 500 rubles.

To avoid becoming a hostage to such situations, keep your MTPL policy together with your other driving documents. In addition to this, make a copy and put it in the glove compartment.

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

There is a separate category of drivers who take out an insurance policy for a short period. This service is especially popular among summer residents and allows them to pay for insurance only for the duration of the gardening season.

It is understood that the vehicle will not be used for a period not covered by the insurance contract. However, not all motorists attach due importance to this condition and get behind the wheel within the period not established by the policy. This violation is punishable by a fine of 500 rubles (Article 12.37 Part 1 of the Administrative Code).

Penalty for expired insurance or lack thereof

The holder of an expired MTPL policy is equated to violators who do not take out insurance at all, and is punished with a fine of 800 rubles (Article 12.37 Part 2 of the Administrative Code). In fact, this is driving without insurance, and having an expired policy does not help the matter.

Conscientious drivers sometimes find themselves in a similar situation, accustomed to believing that compulsory motor liability insurance is automatically valid for another month after the expiration of the insurance policy. This is a common misconception. There really was such a norm, but since 2009 it is no longer relevant.

The only relaxation applies to car buyers. They are allowed to drive a car without an MTPL policy during the first 10 days from the date of concluding a car purchase and sale agreement. This time is allotted for registering the car with the traffic police.

During the specified period, the driver, instead of insurance, can present the sales contract to the inspector. In all other cases, driving a vehicle without compulsory motor liability insurance is unacceptable.

What is the fine if the driver is not included in the insurance?

If the car owner gives control to a friend or acquaintance, he also faces a fine of 500 rubles (Article 12.3 Part 1 of the Code of Administrative Offenses of the Russian Federation). And this is only if everything is in order with your friend’s documents.

There are often situations when a person gets behind the wheel without having a driver’s license. In such cases, in addition to the fine for insurance, the owner of the car is also issued a receipt for 3 thousand rubles for transferring control to a person without a driver’s license (Article 12.3 Part 3 of the Administrative Code).

If the driver is not included in the insurance, another unpleasant situation may arise - an accident. Practice shows that after compensation for damage to the victim, insurance companies sue the owner of the car for the amount of losses incurred.

If you often entrust the management of your transport to third parties, then it will be more profitable to issue MTPL without restrictions. A small overpayment for the policy will relieve you of the risk of paying for damages in the event of an accident.

Let's sum it up

Many motorists consider the fine for driving without insurance to be insignificant (especially considering the possibility of paying the fine with a 50% discount), but this is only a first impression, and it can usually be deceiving. If we take into account that such sanctions can be applied repeatedly, their total amount will easily exceed the cost of the insurance policy itself.

Our online OSAGO calculator will help you calculate the approximate cost of a motor vehicle liability policy.

In addition, we must not forget why insurance was invented in the first place. With a high degree of probability, it can be said that the person at fault for the accident will remember last about the fine for driving without compulsory motor insurance. After all, he will face much more serious problems.

Video: how many times can they be fined for driving without compulsory motor liability insurance?

New fines from January 1: what should motorists prepare for in 2020?

From January 1, 2020, several new fines will appear in Russia. In particular, an order from the Ministry of Transport will come into force, according to which motorists will be prohibited from leaving commercial vehicles in the courtyards of residential buildings overnight.

The category of “commercial” vehicles includes both GAZelle trucks and passenger carsharing cars. However, in the latter case, it is not yet clear whether it will be the car sharing services or its users who decide to end the rental in the wrong place that will be fined. The fine itself can range from 1,000 to 5,000 rubles.

Motorists will also be fined for driving on public roads without license plates. Let us remind you that now, when purchasing a new car, the driver is given 10 days to register the vehicle and obtain license plates, but from the new year the car will be able to be registered and acquire registration plates directly from the dealer.

Therefore, the Russian government decided to punish drivers who drive cars without license plates. Meanwhile, the fine is quite substantial - at least 5,000 rubles. Plus, such a violation is subject to deprivation of rights, but exactly how much is not yet known.

Also, starting from 2020, the maximum amount of insurance payments for road accidents for damage to health will increase fourfold at once - from 500,000 to 2,000,000 rubles. It is expected that such an innovation will have a negative impact on the cost of insurance, which, according to rumors, could double.

At the same time, starting from the new year, even the most careless motorists will have to be puzzled by the issue of purchasing compulsory motor liability insurance, since from now on not only inspectors, but also traffic cameras will be fined for the lack of a policy. The amount of the fine for driving without insurance will not change - the previous 800 rubles.

But for lovers of heavily tinted cars, the Russian government, on the contrary, decided to make small concessions. If previously they were required to remove film from windows right on the spot, now inspectors give motorists exactly 24 hours to do this. The fine for windows tinted not in accordance with GOST is the previous 500 rubles.

Plus, don’t forget about changing the procedure for passing a technical inspection, which will now be recorded on camera, and violators will be severely fined. So, for driving without a diagnostic card, a motorist will have to pay 2,000 rubles. If he is caught with a fake vehicle inspection card, the fine may rise to 10,000 rubles. Legal entities (that is, service stations) will be punished with a fine of up to 300,000 rubles for violations.

In addition, in the twentieth year in Russia the import of special equipment with right-hand drive (for example, buses, dump trucks and refrigerators) will be banned, and each such vehicle will be checked and certified individually.

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:

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.

Fine for driving without insurance in 2019-2020 – new MTPL rules are being discussed in the State Duma

The State Duma of the Russian Federation again raised the issue of increasing the fine for the absence of an MTPL policy. This measure is forced - without it, further adequate development of the road accident insurance system is impossible.

Latest news - the fine for driving without insurance may increase in 2020. The new law may be adopted before the end of the autumn session of the lower house of parliament.

Why do they want to increase the fine?

Today, the cost of an MTPL policy consists of a certain number of factors, such as:

type of vehicle;
region of registration of the owner;
number of years of accident-free driving;
driver's experience and age;
car power (in hp);
number of permitted drivers.

Insurance for an indefinite group of people will cost more, but it allows you to drive someone else’s car without the owner. But even the cheapest MTPL policy options cost from 3,000 rubles and more.

For a long time, thrifty drivers had the opportunity to slightly reduce the cost of insurance due to the absence of a coefficient for participation in an accident during the previous year. Each insurance company had its own base. Therefore, it was enough to change the insurance company so that the increasing coefficients would not apply. Today the database is unified, so it is simply impossible to hide the presence of accidents throughout the year.

Then economical drivers took a different route. In order to avoid paying traffic police fines for driving a car without a compulsory motor liability insurance policy, drivers began buying fake policies en masse only to present them to a traffic police officer when necessary. In the event of an accident, such a policy will, of course, have no benefit. Demand creates supply - there are a lot of opportunities on the Internet to buy a compulsory motor liability insurance policy “without coverage”. This piece of paper is suitable for a traffic police officer. However, it causes a lot of problems for those involved in road accidents. It is impossible to obtain any compensation under such a policy. It is these counterfeits that the new fine for driving without an MTPL policy in 2020 for individuals must fight against.

The presence of valid MTPL policies for all road users will allow the insurance industry to develop in this area. For example, now in the event of an accident you can not call the traffic police, but draw up a European protocol. The amount of compensation reaches 400,000 rubles. In some cities, it is already possible to file an accident via a smartphone if the appropriate application is installed and there is registration on the government services portal. All this significantly saves time for those involved in an accident. However, the new rules do not make sense if one of the drivers does not have real insurance.

If the person at fault for an accident suddenly finds himself without insurance for the car, then the damage caused will have to be recovered personally from the driver in court. The main difficulty is that in the event of an accident, the other driver cannot immediately determine whether the culprit has a fake policy or not. It is in order to protect honest drivers and make the procedure for processing documents in the event of an accident simple and fast, in 2020 they want to increase the fine for driving without compulsory motor liability insurance (MTPL) insurance several times.

OSAGO reform in 2020

We will tell you what the fine for driving without insurance is in 2019, and what may change in 2020.

Today the fine is only 800 rubles. This is at least 4 times less than the cost of the cheapest policy. No other measures are provided. Until 2014, drivers without car insurance were prohibited from driving. The car was sent to the impound lot. It was possible to return the vehicle only after purchasing an MTPL policy. There are no such strict measures now. Driving without insurance in 2019-2020 is punishable under Article 12.37 of the Code of Administrative Offenses of the Russian Federation, which only provides for the payment of a fine.

Legislators believed that increasing the fine would have an effective impact on the fight against driving without insurance. New rules may be adopted in 2019-2020. A fine of 5,000 rubles is being actively discussed in the State Duma. On November 18, 2019, changes to the law on compulsory motor liability insurance will be considered. We should also pay attention to amendments to Article 12.37 of the Code of Administrative Offenses of the Russian Federation. If the issue of increasing the fine is put on the agenda, then most likely it will be increased as of January 1, 2020.

Why is it necessary to increase the fine? Legislators considered that if the size of the fine was commensurate with the cost of the new policy, then drivers would not be tempted to purchase counterfeits and take risks. It will be more profitable for them to immediately buy real insurance.

At the same time, they will improve ways to identify drivers without insurance. The car number will be recorded by the camera. Will check it against the database. If insurance is not purchased for the vehicle, the car owner will receive a fine. Therefore, a fake policy will not help in this case. During the day, the camera will be able to record the same car several times. What does this mean for the driver? Payment of a fine, the amount of which may be several times greater than the cost of the policy. This method should help:

draw up European protocols in the event of an accident without fraudulent actions by one of the parties (there is no real policy);
register an accident through the application;
Always receive compensation from the insurance company, and not collect a sum of money through the court from the person responsible for the accident.

What exactly will be the fine for driving a vehicle without insurance so that it brings the desired result will be decided by the State Duma in the near future.