Traffic police fine without MTPL insurance

Fine for driving without insurance in 2020

Are you looking for what fine you can get for driving without insurance (MTPL) in 2020? On the website you can find information about the lack of compulsory motor liability insurance in 2020 for individuals.

Purchasing an MTPL policy is a mandatory procedure for motorists. Unfortunately, according to RAS, more than 2.5 million drivers are in no hurry to get insurance. The conditions for obtaining compulsory motor liability insurance are prescribed by law, but 10% of car owners ignore their responsibilities for a number of reasons. Moreover, desperate daredevils are not afraid of the consequences - independent compensation for damage in the event of an accident and an impressive fine from law enforcement agencies.

Procedure for checking an MTPL policy

Despite the mandatory conditions for obtaining insurance, checking the MTPL policy is not a routine procedure. The traffic police inspector has the right to require the car owner to have documents only if:

The driver is a direct participant in the accident.
The car was stopped by an inspector due to violations of safety requirements (high percentage of glass tinting, unregulated headlights).
The vehicle has an official identification.
A planned event is being carried out on the roads by the traffic police service as part of the prevention of emergency situations.

Based on the above conditions, the driver has the right to challenge the inspector’s requirement to provide a compulsory motor liability insurance policy. However, it is better to have documents confirming compulsory insurance available.

Legal actions of a traffic police officer in the absence of insurance

The only lawful decision of the traffic inspector in this case can only be to draw up a protocol on the administrative violation. Outcomes such as:

Payment of the fine, any transfer of funds on the spot.
Confiscation of driver's license and license plates.
Sending the vehicle to the impound lot.

Every car owner must know his rights and use them correctly in the event of violations by a traffic police officer.

OSAGO: original or electronic document

Situation: there is insurance, but only in electronic form. Is it legal for the traffic inspector to draw up a protocol? To resolve this issue, let us turn to the legal framework. According to Article 32 of the Federal Law “On compulsory insurance of civil liability of car owners,” the driver has the right to provide the state traffic inspector with both the original insurance and an electronic version of the document in PDF format.

Is video recording of violations due to lack of insurance valid?

Yes, in test mode the video registration process is carried out in the city of Moscow. Recording of administrative violations by car owners is associated with cases of absence of an insurance policy or its expiration. After the end of the test mode, motorists will begin to receive official warnings and fines.

Penalties for lack of insurance

Penalties for driving without a compulsory motor liability insurance policy are established by the Code of Administrative Offenses of the Russian Federation. For 2020, only monetary penalties appear among them. The amounts of fines are shown in the table.

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.

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?

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:

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.”

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