Penalty for non-renewal of insurance

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.

Is it possible to drive with expired insurance and what could be the fine?

If you carefully study the frequency of updating the Code of Administrative Offenses, you can conclude that this phenomenon occurs quite often. On October 15, 2014, changes were made to the Code of Administrative Offenses that relate to driving a vehicle with expired insurance.

Due to the increase in prices for compulsory motor liability insurance policies, as well as taking into account Federal Law No. 40, which obliges citizens to purchase compulsory motor liability insurance, citizens began to evade this obligation in every possible way, trying to keep their money safe and sound. However, refusal to comply with state requirements may not turn out well for you.

What it is?

Expired insurance is a MTPL policy whose validity period has expired . It doesn’t matter whether it expired a couple of days ago or a year ago. The main thing is that in the event of a traffic accident that requires compensation for the costs of paying off your damage from the insurance company, the policy issued to you will be valid until its expiration date.

It turns out that a citizen, moving along the roads with such a document, directly violates the requirements of the law, namely Federal Law No. 40, which requires citizens to have an insurance document that is valid.

What is the punishment?

If the insurance runs out, what is the penalty? Driving a car with an expired insurance form today will cost citizens very little . But this does not mean that you can freely continue to move in this way in the future. What to do if your insurance is expired and what the fine may be? Legislation undergoes changes every day and it is likely that in the near future the fine will increase in size several times.

Also, traffic police officers can help you if you encounter the following situations:

Your MTPL policy was forgotten at home. At the same time, you assure the patrol officers that it was not expired. In this situation, the police officer issues you a minimum fine for non-renewal of insurance in the amount of 500 rubles. The Code of Administrative Offenses talks about this in Article 12.37 of Part One.
The second condition, which will also allow you to get away with a small monetary penalty, is due to the fact that you are driving a vehicle that is owned by your relative or friend, who has an insurance policy, but you are not listed in it. In this case, the fine will also be 500 rubles (read more about what size of the fine is provided if the driver of the vehicle is not included in the compulsory motor liability insurance insurance here, and from this article you will learn about what punishment you can get for driving without insurance in someone else’s car ).

But if there is a truly expired document, then you should turn directly to the Code of Administrative Offenses. Punitive liability is regulated by the same Code of Administrative Offenses, namely Articles 12.3 and 12.7.

Article 12.7 of the Code of Administrative Offenses of the Russian Federation. Driving a vehicle by a driver who does not have the right to drive a vehicle

Driving a vehicle by a driver who does not have the right to drive a vehicle (except for instructional driving) entails the imposition of an administrative fine in the amount of five thousand to fifteen thousand rubles.
Driving a vehicle by a driver deprived of the right to drive vehicles entails an administrative fine in the amount of thirty thousand rubles, or administrative arrest for up to fifteen days, or compulsory labor for a period of one hundred to two hundred hours.
Transferring control of a vehicle to a person who obviously does not have the right to drive a vehicle (except for training driving) or who has been deprived of such a right shall entail the imposition of an administrative fine in the amount of thirty thousand rubles.

Part 2 of Article 12.37 of the Code of Administrative Offenses provides for sanctions for driving with an expired insurance policy in the form of compulsory motor liability insurance . The text of the article states that the owner’s refusal to comply with the requirements of the Federal Law will result in administrative penalties in the form of an administrative fine, the amount of which will be 800 rubles.

In fact, this amount was not established by chance. If you remember, driving without an insurance policy in the Code is also punishable by an administrative fine in the amount of 800 rubles. That is, expired insurance is equivalent to its absence. That is why the fine amount is similar to avoid confusion.

At the same time, citizens do not need to fear that license plates will be removed from the car, and the vehicle itself will be sent to a waiting impound lot. The Administrative Code does not provide for such measures for driving with an expired car insurance document.

If you are involved in an accident

It’s no secret that for drivers, the insurance procedure is no longer a voluntary matter . Federal Law No. 40, which was published in 2012 and was entirely devoted to the issues of compulsory motor liability insurance, prohibited citizens in principle from driving a car without insurance.

The mere fact of having an insurance policy in the MTPL form is a mandatory requirement, and its absence may result in administrative liability. Since 2015, the legislation of the Russian Federation has insisted on the issuance of insurance policies on a mandatory basis.

In a situation where an inspector stops a vehicle whose driver is unable to provide him with a valid insurance policy in the MTPL form for inspection, the citizen will be forced to pay an administrative fine, since his actions fall under the jurisdiction of the Code of Administrative Offenses.

But what to do if an accident occurs? First of all, it will be necessary to take into account which of the participants in the accident was to blame for the crime. If the driver who was at fault did not have an insurance document with him, he will bear heavy liability . If there is no insurer who can cover the damage or part of it, then the perpetrator will have to pay the entire amount to the victim out of his own pocket.

If the injured citizen also does not have a policy in the form of compulsory motor liability insurance or it is expired, but the fault of the other person is proven entirely, then the injured person will only have to pay a fine for lack of insurance. But in this case, the vehicle will be repaired entirely at the expense of the culprit.

Policy for legal entities

Insurance is necessary not only for individuals, but also for legal entities . Without an insurance policy, citizens who have registered a legal entity cannot go onto the road and send their corporate vehicles there. The limits that were set by the state in this regard are quite modest, but you need to know them in order to be able to pay the fine.

Legal entities also undertake to take out a policy in the MTPL form for each of their corporate vehicles. And then, a document such as voluntary civil liability insurance is concluded. In order to calculate the cost of such a policy, you need to contact the insurance company whose offer interests you the most.

Do I need to purchase a new document?

In fact, insurance in the form of compulsory motor liability insurance is not cheap . Therefore, citizens who take out insurance in this way more than once look for ways to circumvent the requirements of the law.

For example, they do not want to purchase documents immediately after the expiration of the existing policy. That is why it is worth talking in more detail about how long you can drive if your car insurance has expired, and what are the chances of such drivers avoiding punishment?

Having expired insurance is a violation in itself. Therefore, it absolutely does not matter how long the policy is overdue: one day or one year. In any case, the penalty for an expired policy will be the same.

Validity period of OSAGO

Each insurance company offers clients not only individual insurance conditions, but also its validity period . After all, some may be satisfied with a very short period of time, sometimes not even six calendar months, while others, on the contrary, are interested in long-term cooperation.

In a number of situations, agreements between the parties are allowed that provide for the issuance of a compulsory motor liability insurance policy for a longer period. For example, this applies to corporate clients who purchase MTPL insurance for several cars at once and for several years in advance.

Watch the video about the validity period of the MTPL policy:

How to renew?

If your MTPL policy has expired, you can renew such a contract by going to the office of the insurance company. To do this, you need to deposit funds again, as well as provide the necessary package of documents. Today, it is possible to renew your MTPL policy through online services .

Therefore, you can easily go to the insurer’s website, where you will receive an e-MTPL policy electronically for a new term. But it is impossible to renew via the Internet if you do not have a registered personal account on the resource. Be sure to complete it, and then complete the registration following the instructions on the site.

In some cases, issuing a policy online is cheaper than visiting a company branch.

Is it possible to avoid wasting money?

The only correct answer to this question implies that you can avoid wasting money if you promptly reissue expired documents with new ones . Also, if your insurance policy expired just a couple of days ago, then the traffic police officer may be in your position, deciding that you simply did not have time to appear at the insurance company.

But if the period of delay exceeds one calendar month, then you are unlikely to be able to avoid punishment in the form of a fine. Be that as it may, if you want a loyal attitude from traffic police officers, you must also follow the letter of the law and not break it.

It often happens that a citizen does not have time to issue a new insurance policy to replace the expired one through no fault of his own. This is all due to health conditions, long business trips, restoration of lost documents, and so on, and not a banal desire to save money.

If you really have good reasons that allow you to turn the situation in your favor, then it would be a sin not to use them. True, it is unlikely that a traffic police officer will take your word for it. Even if you are issued a fine for driving with expired insurance, you can appear at the state inspection office with a written statement of good cause and attached evidence.

Upon consideration of your appeal and if the evidence turns out to be truly compelling, the penalty against you may be cancelled. However, you will have to urgently take out an insurance policy for your car.

Conclusion

Treat yourself with respect and don't expose yourself to paying late fees. Include the annual change of insurance policy in the obligatory expenses that must be made within the prescribed period. Also, keep a close eye on how quickly your insurance policy expires. Only your attentiveness, commitment and punctuality will allow you to avoid punishment.

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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 expired insurance 2019

Welcome to helpguru.ru . Today we’ll talk about the fine for expired compulsory motor vehicle insurance. Updates to the Code of Administrative Offenses are becoming more frequent, and most motorists simply do not have time to remember all the new laws. Changes regarding expired insurance came into force in 2014, and the penalties are not as severe as they were before the latest changes.

But most drivers still ask what the fine is for expired insurance in 2019, whether penalties have been added and whether it is possible to drive without insurance, as well as how long you can drive with an expired policy.

Why are there more and more expired insurance policies?

To begin with, it is worth understanding that one of the reasons not to renew the MTPL policy was a small feature when issuing these policies. Of course, the main reasons for not renewing policies are:

Simple forgetfulness;
Deliberate non-renewal.

But at the moment there is another important reason - long queues at insurance companies for registration. Although judging by the number of companies, there should not be a shortage.

And in fact, a few years ago a driver could stand in line for only a few hours. Now companies have made preliminary appointments, due to which the car owner can wait several weeks for his turn. In addition, there are drivers who do not renew their policy because of the services that they have to purchase additionally.

Is there a concept of “expired insurance” today?

Every driver must know that there is no such thing as “expired insurance” anymore. Naturally, it is quite convenient to use it as a fact about the expiration of the policy term, but it no longer has legal force.

This term was removed from the law back in 2009; until that moment, the driver was allowed to drive with an expired policy for another month, and there was no punishment for this. Drivers really liked this rule. This time was given to the car enthusiast to think about the importance of renewing the policy and the need for this action. Despite the fact that the policy was already considered expired, traffic police officers did not have the right to issue fines for it.

But this was before the concept of expired insurance was abolished; now employees have such a right, since the government came to the conclusion that such things are not worth considering, and renewal should occur during the validity period of the old policy.

So the term “expired policy” still exists and is used even among traffic police officers, but it means something completely different, that is, the policy has expired and a fine will be issued on the first day of delay. But let’s still figure out what the fine is for expired insurance in Russia?

Fines for expired insurance in 2019

In 2019, driving with expired insurance costs very little, only 800 rubles. But this amount cannot be compared with the amount of damages that will be paid in case of an accident. There are different situations for which a fine is issued:

The driver left the unexpired policy at home, then a minimal fine will be issued, only 500 rubles. But the driver will have to prove to the traffic police officer that he still has the policy.
A relative or friend who is not included in the OSAGO policy is driving, then a fine of 500 rubles will be issued, even if the driver did not violate the rules.
If you have insurance, but it is expired, the fine will be 800 rubles.

There was an accident and the insurance was expired

The most unpleasant thing is getting into an accident, and the insurance is expired. A fine of 800 rubles will be issued in any case, it does not depend on whether the driver is guilty or not. But there are other twists in this event.

If the culprit is a person with expired insurance, then the damage will have to be compensated to him, but the lack of insurance will be indicated in the protocol and certificate of the accident. The injured party will be required to conduct an independent assessment and estimate the damages. The person responsible for the accident will be invited to the examination. A telegram will be sent to him, and the fact of sending will be recorded. Such recording will not make it possible to carry out a procedure for challenging the assessment in the judicial authorities. As a result, the guilty party will in any case compensate for everything without trial.

You already know how much the fine for expired car insurance in 2019 is, and that you will have to pay it. But in case of an accident without insurance, you will also need to take a receipt from the victim, which will indicate that the amount of damage has been compensated in full and there are no more claims.

If a driver with expired insurance becomes a victim in an accident, then the amount of damage will be paid to him by the insurance company responsible for the accident, but a fine will still be issued.

Can they remove license plates or send a car to a parking lot for late OSAGO?

In addition to fines, another punishment worth mentioning is the removal of license plates, which prevents the driver from using the car in the future. But Article 27.13 was removed from the Administrative Code.

It was in this article that it was said that the traffic police officer had the right to remove the registration number from the car of the violator, who has unextended insurance or the driver is not included in it. The numbers were given back to the owner after this violation was eliminated.

But at the moment, by law, any car owner has the opportunity to make duplicate license plates, so this measure has ceased to be useful and has been cancelled.

Therefore, it has now become much more profitable for motorists to drive without a policy, since the fine for an expired document is much lower than issuing a compulsory motor liability insurance policy. Moreover, car owners have to pay not only for the policy, but also for additional services that insurers impose on the driver.

Another question that interests motorists is whether traffic police officers have the right to take the car to a specialized parking lot. In 2019, such punishment as towing a car for lack of an insurance policy no longer applies. The driver will only be issued a fine of 800 rubles.

You should also know that if the fine is paid within 20 days from the date of violation, then he will be offered a 50% discount on payment, and the payment will no longer be 800 rubles, but 400 rubles.

What are the subsequent penalties for driving without insurance?

Many motorists know how long you can drive with expired insurance, and that it must be renewed during the validity period of the old policy. And in the case of punishment and a fine, they believe that the driver cannot receive two punishments for one offense.

But before asserting, you should carefully study the interpretation of modern legislation. The law states that a driver cannot be punished repeatedly for the same violation. But this does not mean that he can receive only one fine in one day.

It turns out that if the car owner was punished for expired insurance, and while driving another traffic violation was committed, he will be punished again. For lack of insurance, the driver can be punished every time he is stopped by the traffic police. And this action is carried out according to the law, in article 19.2 paragraph 2 of the traffic rules. It states that driving a car without an insurance policy is strictly prohibited.

As a result, it turns out that purchasing a policy becomes cheaper than paying a fine for each stop. But in truth, with our prices in Russia for compulsory motor liability insurance, it makes sense for those motorists who drive carefully and not all year round to think about whether it is worth paying for compulsory insurance.

If you buy a fake MTPL insurance policy

There are a number of drivers who, in pursuit of profit, purchase fake car insurance policies. As a result, this category of car owners exposes themselves to great risk, since if a counterfeit is discovered, they can be punished with a very large fine. According to Article 327 of the Criminal Code of the Russian Federation, for a fake OSAGO policy, the driver will be issued a fine in the amount of 80,000 rubles.

In addition to the fine, there are other additional penalties, so the driver can be sentenced to compulsory community service for up to 480 hours.

Only the car owner decides whether to issue and renew the MTPL policy. But to make the right decision, everyone should know what fines and penalties will await him if he does not renew his insurance and drives without it. Or, in terms of savings, he will buy an insurance policy that will not be valid. That's all, good luck on the roads!

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.