Fine for not having a compulsory motor insurance policy: what awaits violators this year? Fine for lack of insurance What is the fine for driving without insurance.

06.09.202327.05.2017

Reading time: 4 min.

Are you wondering how much the fine will be for driving without insurance? Be sure to read the presented material.

Fine for driving without insurance in 2019

800 rub.

Article of the Code of Administrative Offenses 12.37 part 2

Driving without a compulsory motor liability insurance policy is gradually becoming one of the most common violations of traffic rules. The trend is associated with the reform of the auto insurance industry and a significant increase in prices for compulsory motor liability insurance policies.

What is the fine for driving without insurance in 2019? The answer to this question is more correctly divided into two components. If you, in principle, do not have a valid MTPL policy - there is no insurance as such, in accordance with Article 12.37 Part 2 of the Code of Administrative Offenses of the Russian Federation, a traffic police officer will issue the driver a fine for lack of insurance in the amount of 800 rubles (400 rubles if repaid within 20 days) .

If you do have insurance, it has not expired, but your name is not there - a fine for driving without insurance in 2019 under Art. 12.37 Part 1 of the Code of Administrative Offenses of the Russian Federation will be 500 rubles or 250 rubles for urgent repayment.

What is the criminal penalty for driving without insurance? Unfortunately, in some rare cases, the MTPL policy, or rather its illegal imitation, can result in a criminal case and even a real prison sentence.

Let us make a reservation once again: such cases are negligibly rare. However, to this day, by purchasing an excessively cheap MTPL policy on a dubious form somewhere in the crossing, a motorist runs the risk of being charged under Part 3 of Art. 327 of the Criminal Code of the Russian Federation “Forgery, production or sale of counterfeit documents, state awards, stamps, seals, forms.” For serious progress in this case, the investigation will have to prove your direct participation in the “production and sale” of counterfeit documents. This is quite difficult, but it still happened in some places in the country.

How much is the fine for driving without insurance? Formally, as follows from the previous text, the maximum is 800 rubles - in the case when there is no insurance at all and it is repaid without a discount. A minimum of 250 rubles in the case where the fine is issued for “not being included” in the compulsory motor liability insurance policy and is repaid no later than 20 days from the date of drawing up the verdict.

However, the question “how much is the fine for insurance” can be answered in another way - if an uninsured car has an accident with an expensive foreign car, its owner will have to pay for huge repairs at his own expense. In case of avoidance of responsibility, a driver who saves on full-fledged car insurance risks being left without property, the right to cross the state border, and numerous other troubles. In this case, saving several thousand rubles will come back to haunt you.

What is the fine for not having insurance if you drive a car in a city full of traffic police cameras? The question is really interesting - after all, modern automation hypothetically has the ability to compare car license plates with insurance databases and identify cars that do not have valid insurance. At the moment in Russia, work on traffic police cameras that punish for the lack of a compulsory motor liability insurance policy has been suspended for bureaucratic reasons, but if officials agree among themselves, nothing else will prevent it from earning money at any time. And fines for driving without insurance will fall on the unfortunate driver like from a cornucopia. Contrary to myths, currently nothing prevents traffic police officers from issuing as many fines as they like for the lack of a compulsory motor liability insurance policy per day.

If we are talking about myths associated with fines for missing or expired insurance, we note that there have been no changes in legislation on this topic. the fine for insurance from January 1, 2019 is no different from the fine for insurance in 2016 - 800 rubles in case of absence and 500 in case there is a legal policy, but your name is not on it.

Changes regarding the system of distribution of MTPL policies among motorists are likely to occur. But the vector of change is now difficult to track. There are differing opinions both among experts and among legislators. Some people are populistly proposing to give people the right to decide the issue of insurance, decoupled from strict government regulation. Other opinions, on the contrary, link the issue of insurance with issues of traffic flow management.

If any changes happen, then they will most likely try to link the fine for insurance in 2019 to the number of traffic violations committed by a motorist per year. There really is a logic to this - if a motorist is systematically caught speeding, running red lights and making U-turns in oncoming traffic, the chance of being the culprit of a serious accident certainly increases.

However, there are many snags here too. Firstly, it is difficult to determine the criteria by which a truly dangerous driver differs from a motorist who logs a lot of annual mileage. Secondly, it is difficult to separate urban drivers from rural ones - traffic police traditionally issue fewer fines outside cities than in megacities.

Another innovation in the field of insurance fines in 2019 may lie in the digital field. Major officials responsible for developing strategies in the field of traffic rules have taken a course towards abandoning paper documents, digital OSAGO policies are already a reality, perhaps digital information about the presence or absence of auto insurance policies will also move into the digital area in the near future. The fine for driving without insurance in 2019, as already mentioned, may also come under the control of photo-video recording equipment.

Sometimes a citizen is forced to travel by car without having the appropriate documentation confirming the fact of having a compulsory insurance policy. In such a situation, it is important to know the limits of responsibility, clearly assess the situation, and understand the consequences. To do this, you need to figure out what the penalty for driving without insurance is today?

The legal norms, namely the Federal Law “On compulsory civil liability insurance of vehicle owners,” indicate that every person driving a vehicle must be insured. In fact, contrary to many misconceptions, a person does not insure the car, but personal liability.

This obligation applies to owners of all types of transport that are used in Russia. The only exceptions are objects that are expressly specified by law (for example, bicycles).

The person's liability is insured, that is, in case of damage to the property of third parties, damage to life or health, the damage is compensated not from the personal funds of the perpetrator, but by the insured - the company with which the corresponding agreement was concluded. For driving without insurance, the driver faces punishment under the Code of Administrative Offenses.

Liability for lack of insurance

The legislator has established certain sanctions for violating the requirements for the driver to have appropriate documentation. However, the limits of liability may vary depending on the circumstances:

Actual lack of insurance (not taken out at all).
The driver is not listed on the existing document (identification of specific drivers is not required if a so-called “unlimited” policy is used).
The contract is expired (its validity period has expired).
The driver does not have compulsory motor liability insurance in his hands, but was issued in accordance with the requirements of the law.

The limit of liability of the driver or owner of the vehicle will depend on the actual situation. In any case, driving without insurance has its consequences.

If the owner of the vehicle purchased the document via the Internet, he is not required to have a printed version with him. Inspector in the insurer's database.

Also, the car owner must remember that it is impossible to insure the vehicle in the absence of a vehicle inspection certificate. This document will be required both when drawing up a contract in the office and when drawing up via the Internet.

Penalty for the actual absence of a policy

If there is no insurance at all, then the consequences arise on the basis of Article 12.37 of the Code of Administrative Offenses (second part). The guilty person is fined for lack of insurance, which is equal to 800 rubles. Previously, until 2014, the lack of a document entailed additional punishment - the car was subject to evacuation, and the license plates were removed from it.

If the driver was not included in the policy

If, in fact, an agreement on compulsory motor liability insurance exists, but the person who is driving someone else’s car was not indicated in it, then he is subject to administrative liability in accordance with Article 12.37 (part 1). The penalty for driving without insurance in such a situation is 500 rubles.

The policy has expired

Before determining how long you can drive with expired insurance, you need to understand the consequences of this act.

At the moment, the legislation does not contain the concept of an expired OSAGO document at all. In fact, driving with expired insurance is the same as driving without it. Accordingly, administrative liability arises, the size of the sanction will be eight hundred rubles.

In some cases, the contract is drawn up for a certain period of use. As a rule, the policy is issued for a year, but a certain period is indicated when the vehicle can be used. If a car (or other equipment) is used outside this period, the citizen will have to pay a sanction in the amount of five hundred rubles.

The driver does not have a policy at the time of movement

If the document was nevertheless drawn up, but for some reason the person does not have it in hand while traveling, then the fine for such an act will be 500 rubles. However, a traffic police officer can issue a warning; the Code of Administrative Offenses norm allows this.

Table of fines for lack of insurance in 2020

Type of violation	Amount of fine in rubles
The document was issued, but the driver does not have it	Part 2, Art. 12.3, 500 rub. or a warning
The policy was not issued	Part 2 12.37, 800 rub.
Insurance expired	Part 2 12.37, 800 rub.
The person drove a car outside the permitted period	Part 1 12.37, 500 rub.
The citizen is not listed as an insured person	Part 1 12.37, 500 rub.

It turns out that the fine for lack of insurance will vary from 500 to 800 rubles.

Is it possible to pay less?

Having committed an offense for which a fine is provided, there is the possibility of some savings. In this case, the “discount” is provided absolutely officially, regardless of whether the expired insurance is paid for or the fact of its absence during the movement. This innovation was included relatively recently and requires a fifty percent payment within a period of no more than twenty days from the date the fine was issued.

Payment of half the fine is possible for all offenses related to driving vehicles, with the exception of those expressly specified in the law.

What other sanctions can be applied?

According to the new rules, two types of sanctions can be applied for driving without insurance - a fine and a warning. The vehicle cannot be sent to an impound lot; this measure was canceled back in 2014. Also, the vehicle was previously subject to a ban on operation, which was also cancelled.

It is worth remembering that a warning can be issued only in one case - if the vehicle manager forgot to take the document with him, but he actually has it. However, in this case, the traffic police officer can impose a sanction in the amount of five hundred rubles on the guilty person, everything will depend on the specific circumstances.

Companies have long been talking about the need to increase penalties for violating MTPL rules. Despite numerous discussions on this issue, the punishment has not yet been increased and remains at the same level.

If a citizen is involved in an accident, his guilt has been established, and there is no document on compulsory motor liability insurance, then the injured person has the right to compensation for the damage incurred in civil law. The guilty person will compensate for losses in the amount and on the terms established by the court.

Is it possible to drive without insurance? Obviously not. Failure to have a document confirming insurance, regardless of the reason, entails consequences. However, the reason may affect the size of the sanction. In any case, the driver is recommended to always have a valid OSAGO document or not to use the vehicle, because in the event of an accident, civil liability may be applied to him in the form of compensation for damage to the injured person.

It is impossible to drive a car and be one hundred percent sure that you will not get into an accident. But sometimes you don’t have time to protect yourself and insure your car, or you’re just lazy, or something else. Therefore, our state took care of this at the legislative level, making motor third-party liability insurance (hereinafter referred to as OSAGO) mandatory. Moreover, administrative liability is provided for failure to complete this step. The fine for the lack of compulsory motor liability insurance in 2017 is the topic of our article today.

First, let’s clarify what MTPL is. This is not the only, but mandatory type of car insurance. By receiving an MTPL insurance policy, the owner of a car in the event of an accident that occurred through his fault can be sure that the costs of compensating the injured party will be covered by insurance. If an injured driver suddenly needs treatment as a result of an accident, the insurance company will also cover the costs.

But at the same time, the amounts of compensation for losses are clearly fixed. If a car is damaged in an accident, the insurance payment will be 120 thousand rubles. If a person is injured and treatment is required - 160 thousand rubles. Payments are made in favor of the victims and only if the guilt of the insured car owner is proven. He himself does not compensate anyone for anything, but he also does not receive anything from the insurance company.

If the case is such that it is not clear who exactly is at fault for the accident, then the court determines who and how much insurance payments are due. As we see, disputes about who is right and who is to blame in an accident are inevitable. But the more important question is, who will compensate for the damage? This is why it is so important to have an auto insurance policy.

The 2017 MTPL fine for lack of insurance is not a whim of the traffic police, but a completely reasonable measure, to some extent motivating car owners for compulsory insurance.

So, how much will you have to pay to take out an MTPL policy? There is no specific amount. It can vary from 8 thousand rubles to 25 thousand rubles and above. The region in which the car is registered is taken into account. For different regions there are different cost coefficients. The make of the car and driving experience are also taken into account. Past insurance claims also play an important role.

Today, it is very convenient to calculate your MTPL policy online using the MTPL insurance calculator 2017 kalkuljator-osago.ru. Actually, this is what we will do now. So, the owner of the vehicle is an individual. The place of registration of the owner is, for example, St. Petersburg. The period of use of the car should be about six months. Type of vehicle - let's write passenger. Engine power – suppose from 100 hp. With. Age - for example, over 22 years, and driving experience - less than 3 years. The agreement is being concluded for the first time. Total: the price of the MTPL policy will be 8842 rubles 18 kopecks.

If insurance occurs for the second, third, or similar time, then all insured events, if any, and gross violations will be taken into account. If, given the data that we entered, we assume that insurance occurs for the second time, and there were two insured events in the previous year, then the cost of compulsory motor liability insurance will increase to 18 thousand 576 rubles. And if we add a gross violation to these insured events, then the price of the policy will be 30 thousand 960 rubles. So what is more profitable to buy compulsory motor liability insurance, or pay a fine for lack of compulsory motor liability insurance in 2017? We will deal with this further.

Cases when there is no MTPL insurance policy

You need to know that by law the owner is required not only to insure the car, but also to have the policy with him while driving. In a situation where you have compulsory motor liability insurance, but not with you in the car, but somewhere at home, you will be legally fined. The amount of the fine is less than if you did not have compulsory motor insurance at all, but still. By the way, be careful how exactly the offense is formulated in the fine issued to you. If for “lack of compulsory motor liability insurance”, but you have it, you simply forgot it at home, then you can appeal this fine by writing an application to the traffic police and attaching a photocopy of your policy. Of course, active.

Because a fine for expired car insurance in 2017 is still possible. At one time, there was a widespread myth among motorists that after the MTPL policy had expired, you could still drive safely for at least a month. A dangerous misconception - you can’t do it even the next day.

If you are stopped by a traffic police inspector and it turns out that your compulsory motor insurance is overdue, then a fine cannot be avoided.

And this, by the way, is not the worst. You can get into an accident. And then you will be provided with not only a fine (and it will definitely be issued), but also expenses associated with the accident, especially if you are the culprit.

There is one more important detail in the topic of fine for driving without insurance 2017 - MTPL insurance concerns not so much the owner of the vehicle as the driver who is behind the wheel. Actually, everything is fair - drivers, not vehicle owners, are responsible for road safety, which is why the driver’s liability is insured. The policy can initially specify who is allowed to drive your car. You can even expand it to “without restrictions,” meaning anyone can drive your car as long as they have a driver’s license. In this case, no complaints.

But if we were talking about clearly indicated persons who are allowed to drive your car, and if suddenly a person not from this list gets behind the wheel, then you face a fine if you are not included in the insurance 2017. In this situation, the driver’s liability is not insured, that is , in fact, this is the same as driving without insurance at all.

There are times when the car owner does not need to use it constantly. And he has the right to take out so-called time-limited insurance. It is issued for a year, but the car is allowed to be used at a certain time, initially agreed upon by the owner. If actual driving matches what was planned, then that means saving money. This type of MTPL policy is cheaper. But if you leave when you cannot travel under the terms of the contract, you may face penalties.

There is still a risk of getting a fine for lack of insurance 2017 OSAGO in the case when you recently bought a car, but more than 10 days have passed. You can drive safely during these 10 days, but you need to use them to take out a compulsory motor liability insurance policy. If you hesitate and do not meet the allotted deadline, then there will be no leniency towards you. There are situations when the purchase has to be transported to another region, and then the risk of not being on time with insurance increases. There is a solution - you can buy temporary insurance for a period of 20 days. And take out a full-fledged auto insurance policy when you are already at home.

Fine for lack of insurance 2017 OSAGO

Now let's look directly at the numbers. For lack of car insurance, the fine in 2017 will be eight hundred rubles. Moreover, if the driver of the car is one person, and the owner is another, then fines will be issued to both of them. This procedure is prescribed in the Code of Administrative Offenses of the Russian Federation (part two, article 12.37). The owner of a vehicle will pay 800 rubles for not taking out insurance, and the driver will pay 800 rubles for driving a car without a policy.

If you received this fine for the first time, then if you pay it within twenty days, you can get a 50% discount. However, in the event of a repeated violation, that is, you again got behind the wheel without having a car insurance policy, and you are again issued a fine for driving without insurance, you will have to pay the entire 800 rubles and this time without concessions.

Penalties for expired car insurance

What is the penalty for expired insurance? The same 800 rubles. In the eyes of the law, driving a car with an expired policy is the same as driving a vehicle without a policy at all.
If you have issued a compulsory motor liability insurance policy with a time limit, and you got behind the wheel exactly when, according to the terms of the contract, the car should remain in the garage, then the penalties will be 500 rubles. Moreover, you risk receiving such a fine every time you leave at the “wrong” time.

The driver is not included in the insurance - the amount of the fine

What is the fine if it is not included in the insurance? The fine is 500 rubles. In this case, a fine is imposed on both the driver who unlawfully occupied the driver’s seat and the owner of the vehicle. But that’s not all - a traffic police officer, as punishment for an offense, has the right not only to issue a fine, but also to remove the driver from driving, and send the car itself to an impound lot. Only the owner is allowed to pick up the car after this. And he will have to both pay his 500 rubles fine and take on the costs of transporting and storing his car in the impound lot. Of course, the owner of the car can arrive at the place where the violation is detected earlier than the tow truck, and then he will only be limited to paying a fine.

Main types of violation (MTPL) and the amount of the fine

You should know that in 2017, taking into account changes in legislation, the traffic police inspector only has the right to issue a fine for the lack of a compulsory motor liability insurance policy. He no longer has the opportunity to punish the offender with a verbal warning. In fact, there is no right to remove license plates (this practice existed until 2014). Traffic police officers were deprived of these powers due to the ineffectiveness of such measures, since according to the law, drivers have the right to re-make duplicate license plates.

Watch the video: fine for traveling without an MTPL policy

Conclusion

Looking at the seemingly insignificant amounts of fines, there is a temptation to come to the conclusion that it is easier to pay the fine and not bother taking out insurance. But this is only at first glance. If you think that the lack of an insurance policy is just one administrative offense for which you can be punished only once, then this is not so. According to the federal law “On Road Traffic Safety” (clause 2 of Article 19.2), “operating a vehicle without insurance is prohibited.”

Finding yourself in a new time, in a new place, but still without insurance, you commit another offense for which you have the right to be fined. So it’s easier to take out a compulsory motor liability insurance policy. In addition, if you stubbornly ignore the need for insurance, then the fine without a compulsory motor liability insurance policy in 2017 is equal to eight hundred rubles, and next year it can increase significantly, so to speak, to make the punishment more effective.
In general, draw your own conclusions. And good luck on the roads!

The mandatory list of driver documents must include a car insurance policy. If during a routine check by traffic police officers it is not found, driving without insurance will be punishable by a fine. The owner of a vehicle must know the consequences of such a violation. Therefore, you should familiarize yourself in advance with the amount of fines for driving without compulsory motor insurance.

Types of car insurance

An insurance policy is necessary to pay compensation to the injured party in the event of an accident. Often the amount of damage exceeds the financial capabilities of the culprit. At the legislative level, conditions for compulsory car insurance were introduced. The current penalty for driving without insurance encourages road users to comply with the law.

Currently, the following types of policies can be issued:

OSAGO. Refers to compulsory car insurance and makes it possible to compensate for damage to property and health. This is done at the expense of the insurance company, if there was no violation of the concluded contract by the culprit.
DOSAGO. In fact, this is also a compulsory motor liability insurance issued for a car, but with additional services - compensation for damage or theft of a vehicle, taking into account a number of force majeure circumstances. The cost of insurance in this case is higher than standard.
CASCO. Unlike the services described above, the policy is issued for your car. The list of insured events has been expanded.

Traffic police officers can issue a fine for lack of MTPL insurance. Other types of car insurance are not mandatory.

When purchasing compulsory motor liability insurance, it is necessary to indicate the conditions of its validity - with a named list of persons allowed to drive a vehicle, the duration of validity, a certain period during the period of concluding the insurance agreement. In this case, responsibility for violating traffic rules will lie with the owner of the car.

The latter does not cancel compliance with traffic rules - a fine or deprivation of a driver’s license can also be issued in someone else’s car. In some cases, criminal liability arises.

Current fines

According to current legislation, driving without insurance under the new rules is strictly prohibited. To confirm the fact of compulsory car insurance, you must have the original policy or a copy of it with you. The latter applies to electronic registration. This service has been provided mandatory by insurance companies since 2017. The owner of the vehicle only needs to print out an electronic copy of the MTPL.

The actual financial penalty for driving without insurance is determined by the current status of compulsory motor liability insurance:

lack of original or copy of the policy;
expired compulsory motor insurance;
driver information is not entered;
The vehicle is not used at the specified time.

The last fact is that when registering, you can specify the period of operation of the machine. This could be several months throughout the year. This is used to reduce the cost of the policy.

If these violations are detected, the traffic police officer has the right to fine you for lack of insurance. The amount depends on the type of violation and is determined in Article 12.3 of the Code of Administrative Offenses of the Russian Federation.

Lack of confirmation of the presence of compulsory motor liability insurance

The introduction of electronic policies gave a false impression of the emergence of a “loophole” in the legislation. Is it possible to drive without insurance if you only need to provide your MTPL number? In practice, traffic police officers have access to the RSA database, which makes it possible to check online the existence of a policy and information about it.

The fine in this case will be 500 rubles, but the driver, if he has a valid MTPL, can easily challenge the protocol in court. In practice, a copy of your car insurance is required for the following:

prompt verification by document number in the RSA database by the road service;
filling out an accident notification in the event of an emergency;
confirmation of the right to drive a car by a specific person.

Having a copy or printed version of OSAGO will not make you wonder what kind of punishment you may incur. It is enough to present the document during the inspection.

The OSAGO online calculator will help you calculate the cost of the policy:

Owner

Individual Legal entity

Vehicle type

Passenger car (cat. B) Passenger car as a taxi (cat. B) Truck with a carrying capacity of up to 16 tons (cat. C) Truck with a carrying capacity of over 16 tons. Bus up to 20 passenger seats Bus over 20 passenger seats

Place of registration

Moscow Moscow region St. Petersburg Leningrad region Barnaul Biysk Zarinsk, Novoaltaisk, Rubtsovsk Other cities and towns Blagoveshchensk Belogorsk, Svobodny Other cities and towns Arkhangelsk Severodvinsk Kotlas Other cities and towns Astrakhan Other cities and towns Belgorod Gubkin, Stary Oskol Other cities and settlements Bryansk Klintsy Other cities and settlements Vladimir Murom Gus-Khrustalny Other cities and settlements Volgograd Volzhsky Kamyshin, Mikhailovka Other cities and settlements Cherepovets Vologda Other cities and settlements Voronezh Borisoglebsk, Liski, Rossosh Other cities and settlements Birobidzhan Other cities and towns Chita Krasnokamensk Other cities and towns Ivanovo Kineshma Shuya Other cities and towns Irkutsk Shelekhov Angarsk Usolye-Sibirskoye Bratsk, Tulun, Ust-Ilimsk, Ust-Kut, Cheremkhovo Other cities and towns Nalchik, Prokhladny Other cities and towns points Kaliningrad Other cities and towns Obninsk Kaluga Other cities and towns Petropavlovsk-Kamchatsky Other cities and towns Karachay-Cherkess Republic Kemerovo Novokuznetsk Belovo, Berezovsky, Osinniki, Prokopyevsk, Mezhdurechensk Anzhero-Sudzhensk, Kiselevsk, Yurga Other cities and towns Kirov Kirovo-Chepetsk Other cities and towns Kostroma Other cities and towns Krasnodar, Novorossiysk Anapa, Gelendzhik Armavir, Sochi, Tuapse Belorechensk, Yeisk, Kropotkin, Krymsk, Kurganinsk, Labinsk, Slavyansk-on-Kubani, Timashevsk, Tikhoretsk Other cities and towns Clauses of Krasnoyarsk Zheleznogorsk, Norilsk Achinsk, Zelenogorsk Kansk, Lesosibirsk, Minusinsk, Nazarovo Other cities and settlements Kurgan Shadrinsk other cities and settlements Kursk Zheleznogorsk other cities and settlements of the Leningrad region Lipetsk Yelets and settlements of Magadan other cities and settlements of Moscow region Moscow Murmansk Severomorsk Apatity, Monchegorsk Other cities and towns Nenets Autonomous Okrug Nizhny Novgorod Balakhna, Bor, Dzerzhinsk Kstovo Arzamas, Vyksa, Sarov Other cities and towns Veliky Novgorod Borovichi Other cities and towns Novosibirsk Berdsk Iskitim Kuibyshev Other cities and towns Omsk Other cities and towns Orenburg Orsk Buguruslan, Buzuluk, Novotroitsk Other cities and towns Orel Livny, Mtsensk Other cities and towns Penza Zarechny Kuznetsk Other cities and towns Perm Berezniki, Krasnokamsk Solikamsk Lysva, Tchaikovsky Other cities and towns Vladivostok Arsenyev , Artem, Nakhodka, Spassk-Dalniy, Ussuriysk Other cities and towns Pskov Velikiye Luki Other cities and towns Republic of Adygea Gorno-Altaisk Other cities and towns Ufa Sterlitamak, Tuymazy Blagoveshchensk, Oktyabrsky Ishimbay, Kumertau, Salavat Other cities and towns Ulan-Ude Other cities and towns Buinaksk, Derbent, Kaspiysk, Makhachkala, Khasavyurt Other cities and towns Malgobek Nazran Other cities and towns Elista Other cities and towns Petrozavodsk Other cities and towns Syktyvkar Ukhta Other cities and towns Yoshkar- Ola Volzhsk Other cities and towns Saransk Ruzaevka Other cities and towns Yakutsk Neryungri Other cities and towns Vladikavkaz Other cities and towns Kazan Naberezhnye Chelny Almetyevsk, Zelenodolsk, Nizhnekamsk Elabuga Bugulma, Leninogorsk, Chistopol Other cities and towns Kyzyl Other e cities and settlements Abakan, Sayanogorsk, Chernogorsk Other cities and towns Rostov-on-Don Bataysk Mines Volgodonsk, Gukovo, Kamensk-Shakhtinsky, Novocherkassk Novoshakhtinsk, Salsk, Taganrog Other cities and towns Ryazan Other cities and towns Samara Togliatti Chapaevsk Novokuibyshevsk, Sy crap Other cities and towns St. Petersburg Saratov Engels Balakovo, Balashov, Volsk Other cities and towns Yuzhno-Sakhalinsk Other cities and towns Yekaterinburg Berezovsky, Verkhnyaya Pyshma, Novouralsk, Pervouralsk Verkhnyaya Salda, Polevskoy Asbest, Revda Other cities and towns Smolensk Vyazma, Roslavl, Safonovo, Yartsevo Other cities and towns Kislovodsk, Mikhailovsk, Stavropol Budennovsk, Georgievsk, Essentuki, Mineralnye Vody, Nevinnomyssk, Pyatigorsk Other cities and towns Tambov Michurinsk Other cities and towns Tver Vyshny Volochek, Kimry, Rzhev Other cities and settlements Tomsk Seversk Other cities and settlements Tula Uzlovaya, Shchekino Aleksin, Efremov, Novomoskovsk Other cities and settlements Tyumen Tobolsk Other cities and settlements Izhevsk Votkinsk Glazov, Sarapul Other cities and settlements Ulyanovsk Dimitrovgrad Other cities and settlements Khabarovsk Komsomolsk -on

Engine power

up to 50 inclusive from 50 to 70 inclusive from 70 to 100 inclusive from 100 to 120 inclusive from 120 to 150 inclusive over 150

Number of admitted persons

Limited Unlimited

Minimum age and experience of those admitted to management

up to 22 years inclusive with driving experience up to 3 years inclusive up to 22 years inclusive with driving experience over 3 years over 22 years with driving experience up to 3 years inclusive over 22 years with driving experience over 3 years

How many years of accident-free driving?

less than 1 year 2nd year 3rd year 4th year 5th year 6th year 7th year 8th year 9th year 10th year

Insurance period

1 year 9 months 8 months 7 months 6 months 5 months 4 months 3 months

Insurance payment

Insurance not issued or expired

Not having auto insurance on your car is unacceptable. But an increase in company tariffs leads to reluctance to draw up the document. In this case, you need to find out the exact amount of the fine for driving without insurance. In 2020 it is 800 rubles. But at the end of 2016, a bill was introduced providing for an increase. It has not yet entered into force.

How long can you drive with expired insurance and will penalties be applied in this case? The same punishment is provided for driving without compulsory motor insurance, regardless of the deadline for completing the contract with the insurance company.

In addition, the following consequences are possible:

an increase in the KBM coefficient, which will affect the final cost of the policy;
reluctance of companies to enter into an agreement, it is possible to issue only an extended version - DOSAGO;
the culprit of the accident will have to compensate for material damage on his own.

The latter often happens through the courts, which entails additional costs. Therefore, before analyzing what the penalty for overdue insurance is, it is necessary to think about other consequences of not having a policy and what this means in the future.

According to current regulations, traffic police fines for unissued car insurance can be issued multiple times within one day. The driver only needs to drive 10 km from the place where the protocol was issued to be punished again during the next inspection.

The driver is not included in the policy

A similar case arises when registering with a limited number of drivers. The policy contains information about each of them. When driving a vehicle by another person, the compulsory motor liability insurance policy is automatically terminated. Responsibility lies with the owner of the car. Fine – 800 rubles.

Information about this is contained in the policy. A traffic police officer must verify the competence of a specific person to drive a vehicle by examining the contents of the MTPL (original or copy) and checking the data from the RSA database.

To confirm your right to drive a car, you must have the following documents with you:

driver's license;
technical passport of the vehicle;
a copy of the purchase/sale agreement or power of attorney;
copy of OSAGO.

In this case, the traffic inspector will not be able to issue a report for violating the current rules. To avoid such situations, if there is a high probability that the car will be driven by other authorized persons, it is recommended to take out car insurance without restrictions.

Using the car outside the insurance period

Purchasing car insurance with a specific period of vehicle use during the validity period is optimal for seasonal use. In fact, it is possible to select specific months during which the car will be used. But if the traffic inspector records violations of the agreement, a fine of 500 rubles will be issued.

If in addition the driver is not included in the policy, a double violation protocol is drawn up. Accordingly, the amount will increase by 800 rubles. Therefore, before purchasing car insurance, you need to carefully consider the period of actual use of the car. Savings must be prudent.

RSA has developed a project to increase fines for the absence of a car insurance policy. According to preliminary data, the maximum amount is up to 8,000 rubles. Considering the increasing number of cases of violations, this measure is not groundless. But in practice, such a bill was not considered.

Instead, an additional increasing coefficient was introduced in case of violation of the MTPL agreement. It applies to negligent drivers and vehicle owners. The increase in car insurance costs can be significant.

The video provides explanations regarding the operation of compulsory motor liability insurance in 2020:

Civil liability insurance or, as it is called, MTPL insurance, how important is this document for a vehicle driver in 2020? Many of those who drive a car believe that having insurance in hand is a measure of a recommendatory nature or that having insurance is not necessary; its absence will not affect the road user in any way. So, what are the consequences of not having MTPL insurance in hand when meeting with a state traffic inspector on the road? What are the risks of underestimating the situation?

For an objective assessment of the situation, it would be useful to turn to Russian legislation in the part that regulates legal relations with vehicle owners. The Administrative Code (CAO) clearly prescribes the procedure for providing documents during control by a state traffic inspector on the road, During the inspection you must provide:

Driving license (or substitute documents established by law).
Registration certificate for transport.
Civil liability policy (OSAGO).

It becomes clear that there is a legal requirement that the driver must have an insurance policy, and violation of the provisions of the Code of Administrative Offenses serves as the basis for holding the driver accountable. Therefore, the opinion about the advisory nature of having insurance in hand is incorrect.

Driving a vehicle without an insurance policy in 2020 entails two types of sanctions: a warning and a fine. If your car is insured in compliance with all requirements, but the insurance policy itself, for various reasons, was not in hand at the time of inspection by the controlling persons, then you can get off with a warning or a minimum fine of 500 rubles.

However, the significant fact is that the number of such fines is not limited. If the same driver who paid the fine is stopped for inspection by another inspector a minute later, the fine will have to be paid again.

The amount of fines ultimately to the location of your policy may be limited only by the length of the journey, taking into account the communication between traffic police officers.

If there is no insurance policy or if it is overdue, which in fact is the same as the absence, the fine will be 800 rubles. A warning is excluded in this case, since driving an uninsured vehicle contains an element of a serious offense. With a fairly accurate fine of 800 rubles, drivers often have a question: how does the inspector determine when to impose a fine of 500 rubles and when to impose the maximum amount?

If the car is insured, but you do not have a policy, then when signing the protocol you must indicate your disagreement with the amount of the fine and explain the reason for your disagreement. This procedure is prescribed by law, as is the deadline for violation. As of 2020, it will be 10 days from the date of the decision on an administrative violation.

If the decision for driving a vehicle without an MTPL policy is unlawful, you will need to appeal the decision to a higher authority of the State Road Safety Inspectorate, and also go to court.

If a copy of the insurance certificate valid at the time the protocol is issued is attached to the application, the decision will be in favor of the driver.

A situation often arises when a vehicle driver has the right to drive, but his name is not included in the insurance policy. According to the law, in 2020, if a person is not indicated in the insurance policy when driving a vehicle, he may be subject to a fine of 500 rubles.

You can, of course, challenge it in this situation, but if you don’t have insurance on hand at the time of the check, or the driver is not included in it, the fine will be 500 rubles and the law will not be on the side of the violator. At the moment, there is no information about an increase in the amount of the fine if the driver is not on the list of persons in the insurance policy. Therefore, the presence of a contract for driving transport and the absence of the driver’s name in the policy entails an inevitable fine.

In a single case when an urgent trip is required, this is understandable, but if it is necessary to drive a vehicle on an ongoing basis, it is advisable to complete all documents in accordance with legal requirements. This will save you from unnecessary problems and allow you to be a conscientious road user.

Russian legislation provides for certain categories of drivers who have legal grounds for driving without a compulsory motor liability insurance policy.

Without insurance, road users may be:

Vehicles with limited ability to accelerate to 20 km/h.
TS of the Armed Forces of the Russian Federation.
Vehicles not allowed to participate in road traffic.
Vehicles insured by international insurance companies outside the territory of the Russian Federation.
Non-wheeled transport.

When driving a vehicle that falls under the above categories, a fine is inappropriate. It remains to be clarified what period is stipulated by law for issuing an insurance policy in 2020? The moment of acquiring ownership and registration of the vehicle gives the driver a countdown of 10 days to get the insurance documents in order.

Having a copy of the application to the insurance company for registration of compulsory motor liability insurance will allow you to exclude explanations regarding the absence of a policy for the period established by law.

As can be seen from the article, it is quite easy to prevent all issues and risks of problems related to driving a vehicle and issuing a compulsory motor liability insurance policy if you have information about the legislative norms governing this issue. Good luck on the road!