Responsibility for driving a car without compulsory motor liability insurance

Fine for lack of MTPL insurance in 2019 - punishment for driving with a missing MTPL insurance policy

An MTPL policy is as important a document as a driver’s license, but many drivers think differently. Today we will talk about the fine for driving a car without insurance in 2019 according to the new rules, consider various situations and under what circumstances you can avoid administrative liability.

What are the dangers of driving a vehicle without an MTPL insurance policy after purchasing a car?

On April 25, 2002, the era of compulsory motor liability insurance began to exist, but still not everyone believes that it is necessary to purchase a policy; a quarter of all drivers are more inclined to purchase CASCO insurance.

According to paragraph 2.1.1 of the traffic rules, to drive a car you must have insurance.

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

a driver's license or temporary permit to drive a vehicle of the appropriate category or subcategory;
registration documents for this vehicle (except for mopeds), and if there is a trailer - also for the trailer (except for trailers for mopeds);
in established cases, permission to carry out activities for the transportation of passengers and luggage by passenger taxi, waybill, license card and documents for the transported cargo, and when transporting large, heavy and dangerous goods - documents provided for by the rules for the transportation of these goods;
a document confirming the fact of disability, in the case of driving a vehicle on which the identification sign “Disabled” is installed;
an insurance policy of compulsory civil liability insurance of the vehicle owner or information printed on paper about the conclusion of a contract of such compulsory insurance in the form of an electronic document in cases where the obligation to insure one’s civil liability is established by federal law.

In cases directly provided for by the legislation of the Russian Federation, have and submit for verification to authorized officials of the Federal Service for Supervision in the Sphere of Transport an access card for a vehicle for international road transport, a waybill and documents for the transported cargo, special permits, if available, In accordance with the legislation on highways and on road activities, it is allowed to drive on highways a heavy and (or) large vehicle, a vehicle transporting dangerous goods, and also provide a vehicle for weight and dimensional control.

According to this paragraph, the MTPL policy should always be at your fingertips along with other documents. Sometimes, due to simple inattention to the availability and validity of an insurance policy, a driver may face an administrative fine for lack of compulsory motor liability insurance in 2019.

Therefore, after purchasing a car, you must first obtain an insurance policy; without it, the car will not be registered with the traffic police. In order to visit the insurance company, you are given 10 days, during which there is no penalty for not having an MTPL insurance policy.

When the right to own a vehicle arises (acquiring ownership of it, receiving it for economic or operational management, etc.), the owner of the vehicle is obliged to insure his civil liability before registering the vehicle, but no later than ten days after the right to own it arises. (as amended by Federal Law dated July 1, 2011 N 170-FZ)

Part 2 of Article 4 of the Federal Law of April 25, 2002 No. 40 - Federal Law

It should be noted that a very important fact is that administrative responsibility does not apply to a certain group of people.

The obligation to insure civil liability does not apply to owners of:
a) vehicles whose maximum design speed is no more than 20 kilometers per hour;
b) vehicles that, due to their technical characteristics, are not subject to the provisions of the legislation of the Russian Federation on the admission of vehicles to participate in road traffic on the territory of the Russian Federation;
c) vehicles of the Armed Forces of the Russian Federation, other troops, military formations and bodies in which military service is provided, with the exception of buses, cars and trailers for them, other vehicles used to support the economic activities of the Armed Forces of the Russian Federation, other troops , military formations and bodies;
(clause “c” as amended by Federal Law No. 77-FZ dated June 23, 2003) d) vehicles registered in foreign countries, if the civil liability of the owners of such vehicles is insured under international insurance systems;
(as amended by Federal Law No. 306-FZ dated December 1, 2007, No. 223-FZ dated July 21, 2014) e) trailers for passenger cars owned by citizens;
(paragraph “e” was introduced by the Federal Law dated December 1, 2007 N 306-FZ) f) vehicles that do not have wheeled propulsors (vehicles in the design of which tracked, half-tracked, sleigh and other non-wheeled propulsion systems are used), and trailers for them. (clause “e” introduced by Federal Law dated July 21, 2014 N 223-FZ)

Part 3 of Article 4 of the Federal Law of April 25, 2002 No. 40 - Federal Law

The obligation to insure civil liability does not apply to the owner of a vehicle whose liability risk is insured in accordance with this Federal Law by another person (the policyholder).

Part 4 of Article 4 of the Federal Law of April 25, 2002 No. 40 - Federal Law

In all of the above cases, administrative liability does not arise. Now we will consider situations when fines are issued, and we will also tell you the threat of driving without a compulsory motor liability insurance policy.

What is the fine for driving without MTPL insurance in 2019 if you forgot your policy at home?

You are stopped by a traffic police officer and, at his request, you hand over your documents to him. Paying attention to his facial expression, you realized that you forgot the insurance at home. It is not at all difficult for an inspector to check its presence, therefore, in this case, the amount of the traffic police fine is determined by part 2 of article 12.3 of the Code of Administrative Offenses of the Russian Federation.

Driving a vehicle by a driver who does not have documents for the right to drive it, an insurance policy of compulsory insurance of civil liability of vehicle owners, with the exception of the case provided for in Part 2 of Article 12.37 of this Code, and in cases provided for by law, a waybill or freight transport documents (as amended by Federal Law dated July 24, 2007 N 210-FZ, dated July 1, 2011 N 170-FZ, dated October 14, 2014 N 307-FZ, dated June 8, 2015 N 143-FZ) entails a warning or the imposition of an administrative fine in in the amount of five hundred rubles. (as amended by Federal Law dated June 22, 2007 N 116-FZ, dated July 23, 2013 N 196-FZ)

Part 2 of Article 12.3 of the Code of Administrative Offenses of the Russian Federation

If the inspector unreasonably tries to hold you accountable under Part 2 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation, but you have a valid insurance policy, you need to appeal it within 10 days after receiving the protocol.

What is the penalty for driving without MTPL insurance in 2019?

If you are one of those people who deliberately do not purchase an insurance policy or simply missed the expiration date, which led to the policy being overdue, then a fine of 800 rubles is provided.

Failure by the owner of a vehicle to fulfill the statutory obligation to insure his civil liability, as well as driving a vehicle if such compulsory insurance is known to be absent, shall entail the imposition of an administrative fine in the amount of eight hundred rubles. (as amended by Federal Law dated June 22, 2007 N 116-FZ, dated July 23, 2013 N 196-FZ)

Part 2 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation

This fine applies to both persons with expired insurance and persons who have no insurance at all.

What is the fine if there is no MTPL insurance for a car or motorcycle during a certain period?

For residents of some regions, an insurance scheme for a certain period is very relevant, for example, only for summer-autumn. The insurance itself is issued for a year, but it is valid only for a certain period.

But it happens that autumn is delayed or spring has come much earlier, and you can’t miss these days, since no one has canceled work at the dacha, and for motorcyclists riding is like a breath of fresh air. Consequently, hoping for luck, drivers of certain vehicles hit the road.

If an inspector catches you during a period not covered by your insurance policy, the fine will be only 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 Law 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

Although the fine is not large, you should not tempt your fate.

What is the liability for a repeated fine for driving a car without compulsory motor liability insurance?

According to the Code of Administrative Offenses, there are no sanctions for repeated driving of a vehicle without a compulsory insurance policy.

Consequently, every time you come across an inspector without compulsory motor insurance, you will be issued the same fine each time, depending on the situation due to which you are driving a car without a policy.

Fine for lack of MTPL insurance in 2019 for legal entities

Any legal entity or individual entrepreneur has the full right to issue compulsory motor liability insurance for its vehicle fleet, for each car separately. In addition, after registration of compulsory insurance, a legal entity has the opportunity to issue an additional policy (DSAGO), which insures against a significantly larger number of risks.

However, if one of the drivers of a corporate car does not have insurance with him, then the fine will be imposed on him and not on the legal entity. Based on this, we can conclude that the individual entrepreneur or organization does not bear any responsibility if the driver does not have a policy.

If you work on cars in such an organization, then after receiving the decision, you have every right to appeal it and recover the full amount of the fine from the company or employer.

Will license plates be removed for driving without MTPL insurance in 2019?

According to the Federal Law of October 14, 2014 No. 307 - FZ, part 2 of Article 27.13 of the Code of Administrative Offenses of the Russian Federation was repealed; now, for lack of insurance, license plates from the violator’s car are not removed, and the vehicle is not sent to the impound lot.

No matter how much you would like to evade the law so as not to pay extra money, you cannot escape fate. To avoid this, I advise you to insure your car on time, because you never know when you will get into an accident.

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 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:

1. 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).
2. 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).
3. 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?

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:

1. Driving without insurance when the document was not issued.
2. The OSAGO is expired or the owner forgot the document at home or lost it.
3. A forged document was presented.
4. The driver is not in the “motor citizen”.
5. 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:

1. When vehicles can travel at speeds up to 20 km/h.
2. The vehicle was purchased and registered abroad, but has a “green card”.
3. For owners of car trailers.
4. 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

The MTPL insurance policy is mandatory for all vehicles, as it allows for the payment of funds for damage caused by the driver to other participants and pedestrians while driving. In fact, a policy is as important as a driver's license. In the event that it is not there, the state provides for a fine for driving without insurance, prescribed by Federal Law No. 40. Below you will find information regarding the procedure for generating fines for driving without an insurance policy.

Fine for driving without insurance in traffic rules

The availability of an insurance policy for the driver of a vehicle is regulated by clause 2.1.1 of the Traffic Regulations. According to this document, the driver of the car must have the following documents with him.

• A driver's license, as well as (as an option in the absence of the first document, a temporary permit to drive a car). This requirement is stated in Resolution No. 254, 1097.
• A set of registration documents issued for a specific vehicle. The exception is that there is no requirement for registration documents for a moped. If a trailer is used, there must be a registration document for this special vehicle.
• If passengers, various cargo, or luggage are transported, a set of documents is required to certify the legality of this process. In particular, the traffic police officer is provided with a waybill, documents for the cargo, and a license card.
• Finally, a necessary document that must be carried with you in the car is an MTPL insurance policy. This prescription is reflected in Resolution No. 265, as of 05/07/2003.

If the driver does not have the latest document with him, a fine for lack of MTPL insurance 2019 is provided, in the amounts prescribed by law. Sometimes such a circumstance arises due to banal inattention, when the driver simply forgets to take this or that document with him. If this happens, the driver was “caught” without one of the documents described above (and an insurance policy in particular), he is issued a notice of an administrative offense, and he is obliged to pay a fine. It is worth noting the fact that government agencies allocate about ten days to obtain this insurance policy; without it, it is even impossible to register the car. This rule is stated in Federal Law No. 40, as amended on April 25, 2002. It is important to note the fact that administrative responsibility cannot extend to a certain circle of people, but is a generally obligatory condition.

Fine amounts

It is worth considering what fine for driving without insurance in 2019 is prescribed for the driver not having a document when checked by traffic police officers. It is worth noting that if the insurance was left at home, it will not be difficult for the traffic inspector. True, situations arise when the civil servant himself tries to hold the driver accountable under Part 2 of Article 12.3 of the Code of Administrative Offenses without justification (the document is available), you can easily appeal the verdict within no more than ten days from the incident itself. If the driver does not have a document with him, Article 12.3 of the Code of Administrative Offenses provides for the imposition of fines of up to 500 rubles.

If the driver is one of those citizens who deliberately does not purchase an insurance policy, and also if its expiration date was missed, he will have to pay a fine of about 800 rubles. This circumstance is regulated by the relevant part 2 of Article 12.37 of the current Code of Administrative Offenses. It is important to note one more fact, according to which, this amount of funds applies both to persons who do not have an insurance policy at all, and when it is overdue. Having determined the fine for driving without insurance, it is worth noting that in a number of regions it is possible to issue a policy for a season, for example, for summer-autumn. If the inspector discovers that the policy is overdue for the “off-season” period, a fine of 500 rubles is established.