Amount of fine 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:

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 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?

Traffic police fine for driving without MTPL insurance in 2019

The traffic police fine for the absence of an MTPL policy in 2019 is 500 or 800 rubles (50% discount applies)

What is the penalty for driving without insurance in 2019? How many rubles is the traffic police fine for driving without compulsory motor insurance?

The traffic police fine for lack of MTPL insurance in 2019 is

Article of the Code of Administrative Offenses 12.37 part 1 and part 2

OSAGO policy (Compulsory insurance of civil liability of vehicle owners) or in common parlance “motor citizen”, a civilized mechanism for settling losses in the event of insured events involving vehicles.

Simply put, an MTPL policy allows you not to worry about large financial costs for car repairs and treatment of victims of an accident caused by your fault. The auto insurance mechanism is indecently simple. All motorists in the country throw a small amount of money into a common basket once a year. An electronic MTPL policy can be issued via the Internet without leaving your home - here.

In the event of an insured event for some motorists, expensive car repairs and medical treatment of people are paid from the general basket, including thanks to the money of drivers who did not get into an accident in a given year. But the latter do not consider their rights to be infringed, since in their case a small amount of money paid for an insurance policy is a guarantee of the absence of problems in possible accidents in the future. Thus, the amount that Russians pay for a policy can most easily be perceived as payment for the right not to be afraid of an accident. That is why the root of the term insurance is the word fear.

Problems with compulsory motor liability insurance begin in two cases:

When the driver for some reason does not have a compulsory motor liability insurance policy
When motorists try to make money from compulsory motor liability insurance using corrupt and gray schemes.

In Russia, due to its peculiarities, the first follows from the second. Recently, the country's insurance business has been paralyzed by the so-called “auto lawyers”, who use certain methods to squeeze gigantic amounts of car insurance from insurance companies through the courts.

In response to colossal losses due to the actions of fraudsters, insurance companies are forced to turn auto insurance into a scarce product, ask the state to increase the base rates on insurance policy prices, which in turn raises the cost of insurance for ordinary motorists and reduces the popularity of the policy among citizens with cars. To this whole list of troubles, fake car insurance forms have recently been added.

The fine for driving without insurance in 2019 is 800 rubles (Article 12.37 Part 2 of the Administrative Code). At the moment, it is fully covered by the so-called 50 percent discount. That is, if you pay urgently within 20 days, the fine for driving without compulsory motor insurance will be 400 rubles.

By the way, there are some nuances here. So, if there is still a valid insurance policy in the glove compartment of the car, but the driver is not included in it, a fine for driving without compulsory motor liability insurance, according to Part 1 of Art. 12.37 of the Code of Administrative Offences, will no longer be 800, but 500 rubles. And when paying with a discount - 250 rubles. Agree, this is a fairly common situation when a friend or wife is driving. In this case, the state makes a certain concession in view of the fight against drunk driving. It is more profitable for society for a drunk car owner to be driven home by a friend without insurance than for the consequences of alcoholic driving.

Thus, driving without insurance according to the new rules of 2019 is punishable by a fine of 500 to 800 rubles without taking into account a fifty percent discount and a fine of 400 to 250 rubles taking into account a 50% discount.

It may seem that the traffic police fine for driving without compulsory motor insurance of 800/400 rubles is ridiculous. Unfortunately, more and more drivers have taken this position recently. However, the consequences of evading motor vehicle payments can be much worse than several hundred rubles.

The fact is that in the event of an accident, a motorist who does not have a valid MTPL policy will be forced to pay from his personal pocket for both the damage to the cars and the treatment of the victims. Otherwise, his property will be seized by the court and sold at auction. By today's standards, compensation for the consequences of an accident is tens or hundreds of thousands of rubles. In some cases millions.

At the same time, more and more Russian drivers, having become familiar with the cost of an MTPL policy (about 20,000 rubles for inexperienced drivers in large cities), decide to drive without a motor vehicle license. It is as if legislators specifically leave this opportunity for drivers - rare checks by traffic police officers, a small fine and a 50% discount, serious incentives for driving without compulsory motor liability insurance. And in 2014, amendments were adopted prohibiting police from removing license plates from a violator’s car, which turned the fine for driving without compulsory motor liability insurance into a kind of subscription fee. There is a myth among the people that such a traffic police fine for compulsory motor liability insurance can be issued only once a day, but in fact, traffic police officers can issue it during any vehicle check, at least 100 times a day.

Another subtype of the fine for compulsory motor insurance is the traffic police fine for forgetful drivers. If for some reason a road user leaves the treasured A4 paper at home, a traffic police officer is obliged to issue him a fine of 500 rubles. If a motorist finds himself in such a situation, he is required to insist on “breaking through” the car using the AIS RSA database. Access to it has been open to traffic police officers specifically for this purpose since 2015.

There are prerequisites for increasing the traffic police fine for driving without insurance or with an invalid MTPL policy. Deputy groups at various levels have repeatedly made proposals in this regard. The initiative of the chairman of the insurance committee at the Chamber of Commerce and Industry of the Yaroslavl region, Marina Pozdnyakova, caused so much noise. A regional official approached the federal level with the idea of increasing the fine for driving without compulsory motor insurance in 2019 tenfold, to 8,000 rubles. You can find out the situation with other measures of the traffic police in the fight against violators from the Table of fines for violating traffic rules.

Traffic police fine for compulsory motor liability insurance from traffic cameras

According to some reports, starting in 2016 and continuing until 2019, a large-scale experiment was carried out in Samara and Kazan, transferring fines for driving without insurance under the jurisdiction of traffic cameras.

Automatic systems for recording traffic violations were combined with insurers' databases. This allowed smart electronics to compare car numbers in real time with information about purchased policies. Any discrepancy in the data automatically led to a fine being sent.

Traffic police fine for fake MTPL policy

Another typical case related to fines for compulsory motor liability insurance is the situation of a traffic police fine for presenting a false compulsory motor liability insurance policy. The driver's responsibility here is divided into two parts. Firstly, the traffic police officer who discovered the fake is obliged to issue a fine to the motorist for not having a valid MTPL policy. Secondly, from the moment a forgery is identified, the process of holding the driver accountable for making false copies of strictly accountable documents begins.

And this, for a second, is part 3 of Art. 327 of the Criminal Code of the Russian Federation. Under this article, it is quite possible to go to real prison for several years. However, this measure is not yet working; it is extremely difficult to prove intent in purchasing a clandestine MTPL policy.

By the way, not only policy forms can be fake, but also traffic police fines received by mail. We have posted a substantive article on this topic here – “Checking fines for counterfeiting.”

You may be interested in these articles:

Fine for lack of compulsory motor liability insurance in 2019

Various situations may arise in a motorist’s life that will prevent him from renewing his car insurance on time or not being able to find it in his car. However, drivers often consciously take risks by leaving the document at home or even going out onto the streets without a issued insurance policy. What will be the fine for driving without compulsory motor insurance in 2019? And how can this amount be reduced? Let's find out in this article.

Why can't you forget your policy?

OSAGO – or officially “Compulsory motor third party liability insurance” has existed in Russia for 15 years and is designed to solve the problem of compensation for damage to the injured party in an accident. Essentially, having an insurance policy relieves the car owner who is at fault for the accident from having to pay compensation to the injured party. This is done for him by the insurance company with which the driver has entered into a contract.

Payments are limited to the limit of liability incurred. Thus, the damage caused to the life and health of a third party amounts to 500 thousand rubles for each person injured in the accident. If property damage is caused, the amount of payments is 400 thousand rubles. Therefore, car owners should remember that registration of compulsory motor liability insurance is not money down the drain, but prevention of possible expenses and protection in unforeseen circumstances.

Traffic police officers have every right to demand the insurance policy when checking the driver’s documents. It must be on the insurance company's letterhead and have all the signatures and seals. If you have issued electronic insurance, it must be printed so that all fields and inscriptions are clearly legible. You should always have a driver's license in your car in case of unforeseen situations - an accident or a simple traffic police check on the road. Otherwise, you will face a penalty of 500 to 800 rubles, depending on the violation.

We should not forget that driving without compulsory motor liability insurance means a refusal to pay compensation even in situations where the driver of the car is the injured party. Refusal of compulsory insurance promises not only punishment from the traffic police, but also more serious expenses. Therefore, it is not worth taking risks on the road - it is better to immediately invest in your safety.

By the way, RSA recently proposed checking your motor insurance policy automatically – through cameras installed on the roads. In theory, the camera will record the license plates of passing cars and compare them with the database of the Russian Union of Insurers. However, it is technically difficult to ensure this, and the implementation of the project is slowing down - it is not known exactly when this system will be launched. It is worth noting that the traffic police spoke from the very beginning about the complexity of implementing this initiative. For this system to work, it is necessary to establish the exchange of huge amounts of data between the Traffic Management Center, the State Traffic Safety Inspectorate and the RSA. Therefore, it is unknown whether we should expect the innovation to be introduced this year.

When is it legal to fine you for driving without a license?

We should also talk about the legality of penalties for lack of insurance. The law provides for the following cases of bringing drivers to administrative liability:

Fine for driving without a current insurance policy,
For expired insurance,
Punishment of a driver not included in the policy
Penalties for using a vehicle during a period not covered by insurance.

Let's consider each case separately.

Lack of policy

Let's say you forgot your insurance at home - for example, after putting your documents in order or cleaning the inside of your car. But at the same time, you are included in the document as the owner of the car, and the policy itself is valid. This case is described by Part 2 of Article 12.3 of the Administrative Code:

The fine for lack of insurance is 500 rubles. A warning may also be issued. The same applies to owners of electronic policies who have not printed the document.

By the way, a forged policy is equivalent to the absence of one, since a forgery is not considered a document with legal force. However, in this case you may be charged with another article - Art. 327 of the Criminal Code of the Russian Federation on forgery, production or sale of counterfeit documents. Therefore, you should carefully consider the choice of an insurance company and, if you apply for insurance online, the policy can be verified using the PCA database. You can apply for and buy electronic MTPL online on the portal Vyberu.ru.

Expired policy

This category takes into account both expired policies and cases where the driver deliberately did not take out insurance when purchasing a car. This is stated in Article 12.37 of the Code of Administrative Offenses of the Russian Federation, part 2.

The driver is not included in the policy

Sometimes unforeseen situations happen that force us to drive a car whose insurance we are not included in: for example, if the driver of the car becomes ill and needs to be taken to the hospital - or in other, less dangerous cases. However, regardless of the situation, you will have to pay: this is stated in Part 1 of Article 12.37 of the Administrative Code.

The penalty amount will be 500 rubles.

Driving without compulsory motor liability insurance during a period of time not covered by the policy

Automobile insurance is issued for 1 year, but you can also choose the period during which the purchased vehicle will be used. So, for example, if you use your car only in the summer and spring, it means that buying insurance for the whole year is pointless. Insurance companies offer to insure a car for a selected period - for example, from March 1 to November 1.

This violation is regulated by Part 1 of Article 12.37 of the Administrative Code:

The penalty for driving a car at a time not provided for in the policy is 500 rubles.

Increase in fines from September 2019

Recently, information has appeared on the Internet that the fine for lack of insurance in 2019 (MTPL) will increase from January 1 - from 800 rubles to 5,000 rubles. The author of the initiative, deputy Sergei Vostretsov, pointed out that a huge number of motorists neglect to purchase insurance, believing that it is a waste of money, or that they have sufficient driving experience to avoid getting into an accident. However, according to preliminary data, the number of accidents involving drivers who did not take out insurance increased by 1.5 times compared to last year.

For now this is just an initiative. The document will be submitted to the State Duma in February 2019, so changes should not be expected in the very near future.

Illegal punishment for driving without a motor insurance policy

Unfortunately, drivers often encounter unscrupulous traffic police officers who act against regulations and exceed their authority. They often apply excessive penalties. Drivers should remember that, despite the modification of the law, in 2019, traffic police officers do not have the right to impose the following types of punishment:

Removal of registration plates,
Towing a car to a parking lot.

It is also possible that a State Traffic Inspectorate employee will try to convince the driver that a policy forgotten at home is equal to expired insurance, and issue a fine of 800 rubles. Therefore, you should not lose your vigilance or become shy when talking with a patrolman. If necessary, immediately prepare evidence to appeal the protocol in court.

How to reduce the amount of recovery?

You can receive a discount on collection payments if the following conditions are met. First of all, you need to know that the discount applies only to offenses listed in Chapter 12 of the Code of Administrative Offenses - that is, driving a car without registration or maintenance, without documents (including without a motor insurance policy), illegally installed "Disabled" sign, in violation of maneuvering rules and so on. The maximum period within which the amount of the penalty can be reduced is also established - 20 days from the date of the decision.

It is worth mentioning separately the violations to which this “promotion” does not apply:

Drunk driving, refusal of examination;
The driver caused an accident with injuries;
Exceeding the speed limit by more than 40 km/h;
Repeated passage through a prohibitory traffic light sign;
Repeated driving without registration;
Driving onto tram tracks or oncoming lanes;
Execution is delayed or spread out.

By the way, it is likely that in 2019 the period within which penalties can be paid at a discount will increase. In December 2018, the Federation Council approved a bill extending the 20-day preferential payment period. The initiative will help avoid situations in which postal messages are delayed. The bill was created because of such a case: a resident of the Moscow region appealed to the Constitutional Court after he was unable to pay the penalty at a discount due to the fact that the notice was delivered after the expiration of the 20-day period. However, it is not yet known when the changes will come into force, as well as whether banks will have time to “readjust” to the new grace period for payments.

Penalties for driving without insurance are a hot topic in 2019. And the prospect that the fine for lack of insurance in 2019 (MTPL) will increase to 5,000 rubles should only have a positive impact on car owners. According to Central Bank estimates, the average cost of a policy in 2018 was 5,800, and in 2017 - 6,000 rubles, which is only slightly more than the new penalty. What is better - to buy insurance once a year or pay penalties, of course, it’s up to you to decide. However, we recommend that you protect yourself and purchase a policy to avoid not only penalties, but also larger financial expenses.

Fine for driving without insurance in 2019 (with additions from 10/31/2019)

There are 5 types of fines for driving without insurance. This was a complete surprise for me.

And oh HORROR! A fine for driving without an MTPL policy can be issued an infinite number of times in 1 day!

But the good news is that you can pay the fine in the amount of 50%, read how and where in the article.

Types of fines

Watch how the driver caught the traffic police officers being illiterate while trying to draw up a report for driving without an insurance policy.

In the table I have given a brief statement of violations and responsibility for them, you can download the table and attach it to your car documents, I think it will not harm you:

From November 15, 2014, if there is no insurance for the car, the traffic police inspector is PROHIBITED from removing license plates and prohibiting the operation of the vehicle.

Now let's look at each point in more detail with excerpts from the Code of Administrative Offenses of the Russian Federation.

Fine for driving without insurance in 2019

This assumes that you have an MTPL policy (it is valid and you are included in it), but for some reason you forgot to insure your home.

The punishment for driving without compulsory motor liability insurance is a warning or a fine of 500 rubles (Article 12.3, Part 2 of the Code of Administrative Offenses of the Russian Federation).

Until 2019, you will be punished in the same way if you have not printed out the electronic OSAGO policy.

Now this is becoming a thing of the past and it is enough to show the E-OSAGO inspector on your smartphone or call his number, and they independently check the policy using the OSAGO database.

Fine for lack of insurance

The situation is more complicated if there is no insurance at all, the fine is 800 rubles . (Article 12.37. Part 2. Code of Administrative Offenses of the Russian Federation).

Until November 15, 2014, driving a car without insurance threatened to have the car towed and license plates removed. I am glad that this terror was canceled.

Penalty for expired insurance

Please note that the administrative code of the Russian Federation does not contain the concept of expired insurance.

If your compulsory motor liability insurance policy has expired, then this is EQUALIMATED to LACK OF INSURANCE.

Driving with expired MTPL insurance is punishable by a fine of 800 rubles .

There is no need to throw away an expired MTPL policy; it may be required in the future to restore the CBM.

Penalty for driving outside the period of use

To be honest, I myself did not immediately understand what the point was. But it turns out everything is as simple as always.

Let's take an example: you took out a MTPL policy for 1 year, with the period of using the vehicle from April to October, in the so-called summer season.

But it turned out that you had to get behind the wheel in December. This is what driving will be like outside the period of use.

In fact, it turns out that you have a policy (valid for 1 year), but the period of use is from April to October.

Driving a car outside the period of use threatens you with a fine of 500 rubles . (Article 12. 37. Part 1. Code of Administrative Offenses of the Russian Federation).

Not covered by insurance

“What is the fine if it’s not included in the insurance?” many drivers are surprised, because in fact there is insurance, well, it’s not included, yes, but the car is insured.

Alas, in Russia at the moment it is not the car that is insured, but the driver’s liability to other road users.

And if your car is driven by a driver who is not listed in the insurance, but he has a license, for example, your wife was driving you from friends or a friend was driving, then the fine if not included in the insurance is 500 rubles . (Article 12.37. Part 1. Code of Administrative Offenses of the Russian Federation).

Fine for driving without insurance for an organization

For organizations, as for individuals, the fine is the same. That's why:

fine for lack of compulsory motor insurance for legal entities - 800 rubles;
The fine for driving without insurance for an organization is 500 rubles.

Let us remind you that driving without insurance is when you have a policy, but you forgot it at home (at work), and the absence of compulsory motor liability insurance is when the policy was not issued AT ALL!

The nuance of insurance for legal entities is that MTPL is issued for corporate cars without restrictions, so that in case of dismissal of the driver, the policy does not have to be reissued each time.

But if an organization wants to receive a discount for accident-free operation, i.e. In order for the insurance company to take the CBM into account, then when applying for a compulsory motor liability insurance policy, each driver must be included in it.

In this case, when the driver is fired, you will need to go to the office of the insurance company and add a new driver to the policy. Or you can add the driver to the MTPL electronic policy on the insurer’s website.

How many times can you be fined for driving without insurance within 24 hours?

We are often asked how many times a traffic police inspector has the right to fine you within 24 hours for lack of insurance.

Legal norms exclude the possibility of issuing 2 or more decisions on the imposition of administrative punishment in the same case.

Those. If you were stopped by a traffic police inspector and issued a fine for lack of insurance, then this is a completed offense and you cannot be fined for it a second time.

But if you continued driving after 10 km. You are stopped by a traffic police inspector and issues a fine again for lack of insurance, then this is a new offense (different time, different place of the offense, etc.) and this can continue repeatedly!

Since, in accordance with clause 2 of Article 19.2 of the Federal Law “On Road Safety”, operating a vehicle without insurance is prohibited!

“It is prohibited to operate vehicles whose owners have not fulfilled the obligation established by federal law to insure their civil liability.”

Based on the above, the actions of the traffic police officer in this situation are legal. And you urgently need to purchase an MTPL policy!

How to avoid paying traffic police fines in full

I will say right away that it is possible not to pay traffic police fines in full on legal grounds. True, not all, but insurance fines are among them.

Don't be afraid, you are not breaking any law and nothing will happen to you for it.

The state , in order to increase collections to the treasury, gave conscientious payers a 50% discount on fines . Federal Law No. 437.

You can pay the fine with a 50% discount within 20 days from the date of the decision on the administrative violation.

Note! Within 20 days from the date of the decision, and not from the moment the offense was committed!

Payment of the fine with a discount must be made in advance, since it will take several days for the transaction to credit the fine to the account.

And if the money is credited within 21 days, the discount will be canceled and you will have to pay the fine in full.

Now, if a traffic police officer stopped you on the road and drew up a report on an administrative violation, then it is not difficult to track the start of the period within which you can pay a fine with a 50% discount.

What to do if the crime was recorded by a video camera?

Here you can give only 2 pieces of advice:

Register on the government services portal and link your phone number in your personal account. And in the future, all notifications about fines will be sent to your phone.
At least once every 10 days, check whether a fine has been issued to you or not using special services on the Internet. I would recommend doing this at the traffic police service.

And there is one more little trick!

Since there have been difficulties with obtaining an MTPL policy for the past 2 years, traffic police inspectors are much more loyal to drivers without a MTPL policy. And if you don’t “get into the bottle”, but just complain to him that insurers don’t want to sell insurance like that, like I’ve been stuck in an electronic queue for 3 days, but I needed to go urgently, etc. etc., then in the end you can save at least 550 rubles on this.

Ask how? Yes, very simple. The inspector may issue you a fine not for lack of insurance AT ALL, but for driving without insurance, and this is 500 rubles. instead of 800 rub. And if you take advantage of the 50% discount, you will end up paying 250 rubles, not 800. Not bad, right?

Attention! This trick should not be abused.
It works only because it is now difficult to buy a compulsory motor liability insurance policy. REMEMBER! You buy compulsory motor liability insurance to insure your liability, and not to “get rid of” the traffic police officer!

How to check and pay a fine

You can pay the fine in 2 ways:

These methods have nuances.

Not all banks accept payments for traffic police fines.
There is a commission, it is small, 40-60 rubles, but mandatory.
You will receive a check in your hands, which will be confirmation of payment of the fine.

What are the fines in the USA?

In the US, driving without insurance is very costly for drivers. Our fines compared to theirs are the little things in life.

They do not have a uniform punishment system and the amount of fines varies from state to state, but for example, the state of Colorado can evaluate their punishment system:

A fine of $500, or our 31,500 rubles, for the first time you are caught driving without insurance, and your driver's license will be suspended until you show proof that you have purchased insurance.
A fine of $1,000 or our 63,000 rubles for the second time and suspension of the driver's license for 4 months.
A fine of $1,000 or our 63,000 rubles for the third time and suspension of the driver's license for 8 months.
For the fourth time, my driver's license was revoked.

Community service is also often added to fines; the duration of work is up to 40 hours.

They have such cool morals.