Penalty amount for lack of 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 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:

When will a new fine of 5,000 rubles be introduced for lack of compulsory motor liability insurance?

The fact that the fine for lack of compulsory motor liability insurance has increased since January 1, 2019 is not true.
Information about a promotion in the very near future is also a myth. Today, this is just a proposal from a deputy, which has been taken seriously.
Current fines for driving without insurance range from 500 (if the driver is not included in the policy) to 800 rubles (if there is no policy or it is expired).

The introduction of a new increased fine for the absence of an MTPL policy in the amount of 5,000 rubles is currently being actively discussed by the authorities. Such a measure is necessary, in their opinion, due to the growing number of accidents with uninsured motorists and the growing difference between the high cost of the policy and the currently low amount of the fine. When is the change in the fine of 5 thousand rubles expected to come into force, is it true that this has already happened since January 1, 2018, with reference to official sources of information, we present in the article.

What's happened?

At the beginning of January 2019, one State Duma deputy said that too many drivers drive without compulsory motor liability insurance. And he gave statistics. True, without citing sources, that out of 50 million drivers in Russia, a million drive without a policy. And also that he recently got into an accident with a driver without an insurance contract. And he proposed increasing the fine for driving without insurance to 5,000 rubles instead of the current 800.

By the way, the statistics on the Internet have slightly different information. According to Autostat, at the beginning of 2018, there were 50 million cars in the Russian Federation (not drivers - the latter even logically should be more). But there are much fewer MTPL policies sold - according to statistics from the Russian Union of Auto Insurers for 2018 - only 40 million. It turns out that only 70% of cars in our country have insurance, the rest do not.

But that's not what this is about. And about the proposal itself to increase the penalty for driving without compulsory motor liability insurance by 6 times - up to 5 thousand.

The reasons given for this are:

the average price of insurance for 2019 is just over 5 thousand rubles, which is much more than a fine of 800 rubles, and with the new MTPL tariffs introduced on January 9, 2019, the average cost of the contract should increase even more; thus, drivers prefer to pay a small fine rather than spend money on an insurance policy;
the number of traffic police inspectors on the road has sharply decreased in recent years, and cameras have not yet begun to issue fines for driving without compulsory motor insurance, so the risk of a fine is reduced for drivers who refuse a motor vehicle license.

5000 fine from January 1 - is it true?

Not really. The introduction of a penalty of 5,000 rubles is indeed taking place, but for now it is still a proposal. Even the draft law on amendments to the Code of Administrative Offenses is not ready.

Therefore, the information that a new fine of 5 thousand rubles for lack of compulsory motor liability insurance was introduced on January 1, 2019 is not true. And it won’t be introduced in January. And even, most likely, in February and March, because the new law will not have time to pass 3 readings in the State Duma and come into force.

New-old toughening of punishment

In fact, there have already been several attempts to increase liability for driving without insurance:

the last time before this, in 2018, the head of the RSA proposed increasing the fine if the driver does not have MTPL insurance, from 800 to 8 thousand rubles - 10 times, but the proposal was not successful,
Previously, another deputy proposed raising the fine for driving without a policy to 2,500 rubles, citing the small increase by the fact that it would soon be possible to issue it on cameras that record traffic violations, but then the law was not adopted either.

But the Internet is replete with much more cases of attempts to pass a new law to increase the fine for the lack of compulsory motor liability insurance and, fortunately or unfortunately, most of them remain myths.

How much is the fine for driving without MTPL insurance today?

As of 2019, there are 3 penalties for driving without an insurance policy, and they depend on the circumstances of the violation:

A traffic police officer will write you 800 rubles if you drive a car without a signed insurance contract or if your compulsory motor liability insurance has expired (part 2 of article 12.37 of the Code of Administrative Offenses),
A driver driving a car faces 500 rubles if he is not included in the insurance policy (Part 1 of the same article),
the same 500 rubles await you if you do not have a paper policy in your car or a printout of it (for e-OSAGO) - part 2 of article 12.3 of the Administrative Code.

There are no other types of additional penalties for lack of insurance: no evacuation to a special parking lot, no deprivation of rights, arrest, prohibition of operation and other measures.

What if the fine increases to 5000?

In this case, there will be a reason to think about buying insurance if you have not already done so, since the amount of a fine of 5 thousand rubles will already be close to the average cost of the insurance policy.

In addition, such a driver may soon receive a letter of happiness with such an amount by mail from cameras that automatically record traffic violations. True, as the traffic police report, no more than once a day.

In addition, you should remember the following subtleties of the fine for driving without MTPL insurance:

it can be paid with a 50% discount in the first 20 days from the date of the decision (Part 1.3 of Article 32.2 of the Administrative Code),
if you do not pay it within the prescribed period of 60 days (plus 10 days for the resolution to enter into force after issuance), then it may increase 3 times - Article 20.25 of the Administrative Code provides for the imposition of a double fine for failure to pay the first.

But the main risk is not even the increased fine for the lack of compulsory motor insurance, but the risk of being guilty of an accident. And the traffic police statistics are inexorable.

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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