Driving without MTPL policy prohibited on the territory of the Russian Federation. According to Art. 12.37 part 2 of the Code of Administrative Offenses, driving a car without a compulsory motor liability insurance policy, or with an expired policy, entails a fine in the amount of 800 rubles (this fine is imposed on the owner of the vehicle if he obviously does not have a compulsory motor liability insurance policy or is expired), if If the driver simply forgot his insurance policy at home or did not enter it into it, then the fine will be 500 rubles.
Removing car license plates for lack of compulsory motor liability insurance policy no one else can, since on November 15, 2014, amendments to the Code of Administrative Offenses of the Russian Federation came into force, excluding this measure from Article 27.13 of the Code of Administrative Offenses of the Russian Federation. Today, the owner of a car has the opportunity to order duplicate license plates at any manufacturer of registration plates.
There are only two exceptions provided for in Part 2 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation, when the law does not prohibit driving a vehicle without an MTPL policy:
- The obligation to insure civil liability does not apply to the owner of a vehicle whose liability risk is insured in accordance with this Federal Law by another person (the policyholder).
- You can drive a car without a compulsory motor liability insurance policy if the 10-day period has not expired from the date of purchase of the car.
Possible consequences of driving a car without a compulsory motor liability insurance policy.
- If the compulsory car insurance policy is obviously missing or expired - an administrative fine of up to 800 rubles;
- If the driver has forgotten the compulsory car insurance policy or is not included in it - a fine of 500 rubles;
- In some cases of absence of a compulsory motor liability insurance policy, the inspector may issue a warning and release the violator.
Excerpt from the law, part 2 of article 12.37 of the Code of Administrative Offenses of the Russian Federation on the imposition of an administrative fine:
Failure by the owner of a vehicle to fulfill the obligation established by federal law to insure his civil liability, as well as driving a vehicle if such compulsory insurance is obviously absent, entails the imposition of an administrative fine in the amount of eight hundred rubles. (as amended by Federal Laws dated June 22, 2007 N 116-FZ, dated July 23, 2013 N 196-FZ)
Fine for a driver who is not included in the MTPL policy.
Extract from the law on punishment for a driver who is not included in the MTPL policy. Part 1 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation:
Driving a vehicle during the period of its use, not provided for by the insurance policy of compulsory insurance of civil liability of vehicle owners, as well as driving a vehicle in violation of the conditions provided for by this insurance policy for driving this vehicle only by the drivers specified in this insurance policy shall entail the imposition of an administrative fine in the amount of five hundred rubles (as amended by Federal Laws dated June 22, 2007 N 116-FZ, dated July 23, 2013 N 196-FZ)
Penalty for driving without insurance.
- Penalties that relate to violations of insurance laws may be levied by the state. authorities repeatedly, as a result, the total amount of costs for violators to pay fines can be very significant. Thus, the violator is encouraged to take out a policy as soon as possible and avoid further fine payments;
- Traffic police officers can equate a “policy forgotten at home” with “knowingly missing or expired”, then the punishment for a policy forgotten at home will have to pay a fine of 800 rubles. Such a trick is false, and collecting an inflated amount from the violator is illegal. In order to avoid such situations, you need to carefully read the protocol that was drawn up by the inspector and point out all the existing inaccuracies and incorrect information. The offender has every right to leave in the protocol a note of disagreement with the presented accusation and describe the situation in his own words;
- Traffic police officers may not impose an official fine of 500 rubles, but hint to the motorist that they will have to pay an amount much more impressive than the fine. And this situation can be repeated until the motorist takes out insurance;
- In the event that the driver has submitted an application to the insurance company for an MTPL policy, but the policy has not yet been issued, the motorist should still make a copy of this application and carry it with him so that, if necessary, present it to a traffic police officer. In cases where the insurer refuses to issue a policy, a written refusal must be required explaining the reasons;
- Some inspectors, due to their dishonesty, may try to extract a monetary reward from an inexperienced motorist by looking for inaccuracies or errors in the policy presented by the driver. Inexperienced or gullible motorists can sometimes fall for such tricks.
For the ride without compulsory motor liability insurance in 2016 Drivers are subject to quite serious liability, so it is better not to skimp on insurance. Calculate the cost of an MTPL policy in 2016.
OSAGO cameras.
At the beginning of 2016, the traffic police plans to check the availability and validity of compulsory motor liability insurance policies using cameras to record photo and video violations. Today, the traffic police already have the opportunity to check whether the vehicle caught in the camera is insured; the check is carried out using the RSA OSAGO databases. Cameras that check the MTPL policy automatically, will be introduced in Moscow, Kazan and a number of other cities, after which they will work throughout the Russian Federation. First of all, vehicles that violate traffic rules will be checked, namely: those who do not comply with the speed limit, drive through a prohibiting traffic light, and so on. This innovation is relevant in light of the increasing growth in the number of counterfeit policies.
True, the camera will not be able to check whether the person sitting behind the wheel is included in the policy. Also completely unprotected are those drivers who have recently purchased a used car; such cars have not yet been entered into the RSA database and the camera can easily consider them to be violators. There are a number of other questions for OSAGO cameras which have not yet been resolved to date.
One of the important new rules for the driver is driving without insurance. In 2016, driving without insurance was once again subject to changes at the legislative level. According to the new rules of 2016, driving without insurance provides for various situations in which, depending on the circumstances, the fines for the driver will be different.
It is important to note that since the beginning of 2016, new amendments to the Code of Administrative Offenses have been in effect, which allow you to pay for what you receive at half the price, i.e. The only nuance is the time period allotted for this, namely, only 20 days are given. If you don’t have time, you will have to pay the entire cost for insurance.
In this article we will analyze all the situations related to driving and compulsory insurance that drivers face.
Before driving, the car owner must make sure that everything is in order with insurance. Having it with you while driving is always mandatory. If it is not there, then there is a high probability of getting caught by a traffic police officer, who will definitely issue a fine.
A common situation is when car insurance is forgotten at home. For this violation, a rule is provided in the Code of Administrative Offenses (12.3, part 2) with a fine of 500 rubles.
This means that the insurance is legally issued, valid and all the necessary drivers have full rights to drive a car, i.e. they are included in it.
Using a car without insurance during an unauthorized period
Most citizens purchasing insurance for their cars specify a time period of 12 months. In addition, shorter time intervals for insurance are also provided, for example, six months. As a rule, such conditions are most used by gardeners and summer residents, for whom a car is only needed to travel to the garden during the planting and harvesting season.
If the vehicle is used outside the period specified in the insurance, then, based on the rules of the Administrative Code, a fine of 500 rubles will be imposed.
Auto insurance brokers rarely contact their clients to remind them that their insurance is about to expire, and many people simply forget when their insurance expires. So it turns out that the vehicle is used at the “wrong” time and people receive fines for such driving.
It is worth adding that drivers will only be able to drive those specified in the insurance. If someone else sits down and drives, even if there is an urgent need, then all the same - this is regarded as a violation of the new rules and is driving without insurance. The punishment will be the same - 500 rubles.
Fine for driving with expired insurance
Another type of violation that is possible is punishable more severely. This situation assumes that the car owner has expired insurance. In many cases, the reasons for such an offense are inattention and forgetfulness. Forgetting and not implying that the insurance has already expired, citizens begin to move.
This state of affairs means that the necessary car insurance is completely absent. Punishment involves a fine.
New rules in 2016 established a fine of 800 rubles.
Is evacuation and room rental provided?
Until the end of 2014, the rules related to compulsory insurance suggested not only punishing violators with rubles, but also removing license plates from their cars. And it still didn’t end there, because driving a car without license plates is prohibited, so it was taken to the impound lot.
Based on the new rules, as of January 1, 2016, the removal of state license plates has been cancelled. In addition, for non-valid insurance, the procedure for evacuation and transportation to the impound lot has been canceled. Thus, the driver will only get off with a fine and continue driving further.
Do you have a car purchase agreement, but no insurance?
The 2016 rules regarding MTPL poles clearly state how and when it is prohibited. A purchase and sale agreement cannot in any way replace insurance liability for car owners. In 2009, such an opportunity was provided with the expectation that within a month after making a purchase, it is allowed to obtain insurance. Now such rules have long been abolished.
In conclusion, it is worth paying attention to the fact that the presence of compulsory motor liability insurance presupposes a valid and passed technical inspection of the car. When concluding an agreement with the insurance company, a diagnostic card will be required. But it happens that at the time of registration, its validity period expires in the coming days. In this case, all responsibility falls on the driver, namely further inspection. Based on traffic rules, if an accident occurs and the maintenance card is expired, then no one will compensate the victim for damage to the car.
No one is immune from mistakes, forgetfulness and inattention. And almost every driver is probably familiar with this situation when he is stopped by a traffic police inspector in connection with a banal check of documents, but you do not have them with you. For example, you forgot them at home.
Of course, we can assume that you are very lucky if the traffic police inspector meets you halfway and will give you the opportunity to call your relatives so that they can bring you documents. Otherwise, a fine for driving without an insurance policy cannot be avoided. Yes, what could be even worse, the car might even be towed to an impound lot, and then you would have to run around, since the documents are completely missing. So, what penalties are currently provided for lack of insurance?
OSAGO policy provides for the financial responsibility of the car owner in case of damage to property or health of victims while driving. That is, in this case, it is not the policyholder’s car that is insured, but his civil liability. But, given that having an insurance policy is a prerequisite, we will now try to find out what financial losses a car owner may face for driving without MTPL insurance. In addition, during the time that has passed since the adoption of the law on compulsory motor liability insurance, a clearly ambiguous attitude towards this type of insurance has formed.
But even if you have documents for a car and a driver’s license with you, but there will be no MTPL insurance policy, then you still won’t be able to avoid waste. As for the specific size, it depends on the type of offense.
Types of fines for absence and penalties for it:
This list contains a brief statement of possible violations and liability for them.
Please also note that as of November 15, 2014, state signs will not be removed for lack of insurance and the ban on further operation of the vehicle has been lifted.
Now let’s take a closer look at each point:
For driving without a compulsory motor liability insurance policy
If you have an MTPL policy, but for some reason you forgot it at home, then, of course, a penalty will be filed against you, which will amount to five hundred rubles.
In article 12.3. Part 2. It is indicated that for driving a car with a driver who does not have insurance except for the case provided for in Part 2 of Article 12.37 of the Code, entails a fine of five hundred rubles.
For lack of compulsory motor liability insurance
Things will be much more complicated if you do not have an MTPL insurance policy at all. In this case, the amount of waste will be eight hundred rubles. And earlier, until November 15, 2014, for this they could even have the car towed and the license plate removed. But today this penalty for lack of insurance has been abolished.
For expired insurance
In addition, it is worth noting that administrative code of the Russian Federation does not contain such a thing as expired insurance. If your insurance has expired, this will be considered as no insurance. Consequently, financial losses for such a violation also amount to 800 rubles.
For driving a car after the permitted period of insurance use
In this case, the following is meant: for example, 
you have taken out an MTPL policy for a period of 1 year, for the summer season from April to October. But suddenly, due to unforeseen circumstances, you urgently need to get behind the wheel in November - this is considered as using the vehicle outside the period. That is, it turns out that you have it issued for a period of 1 year, but the possibility of using it is from April to October. The penalty for such a violation will be five hundred rubles.
Article 12.37. Part 1. For driving a car during a period not provided for by the validity period of the MTPL insurance policy, the owner of the vehicle faces a fine of five hundred rubles.
Driver not included in insurance
If the car is used by several people, and one of them is not included in the insurance, but at the same time he has a license, then he will also be fined 500 rubles.
Besides, if you pay the fine, within twenty days from the date of receipt I, then its amount will be 50% of its cost. Thus, a fine of 800 rubles will cost you 400 rubles. This innovation with a 50% discount was introduced on January 1, 2016 and is valid when paying certain types of fines (including for driving without compulsory motor liability insurance).
In addition, the State Duma has already begun considering amendments to increase the penalty for driving without compulsory motor insurance to 2,500 rubles and, perhaps, they will be adopted in 2016.
Today, as stated earlier license plates are no longer charged for driving without compulsory motor insurance. This means that after a protocol is issued against you, you will be able to continue moving. But it is possible that if after a certain period of time you are stopped again by a traffic police officer, then he has the right to fine you again. Based on the above, we can draw the following conclusion that there are no rules regarding the fact that “they can be fined for driving a vehicle without compulsory motor insurance only once a day.”
When if you issued an electronic version of the MTPL insurance policy, then you are still required to have a printout for the reason that the corresponding amendments have not yet been made to the traffic rules. At the same time, the traffic police inspector has the opportunity to check the authenticity using an electronic database.
if you have valid MTPL policy, which you accidentally forgot at home, then in this situation, ask the inspector to “punch” the car using the AIS RSA database, to which all traffic police inspectors have access since June 2015.
In addition, this change ( access for traffic police officers to the OSAGO database), made it possible in 2016 to launch a system in Kazan and Samara that allows drivers to be fined for driving without a policy in automatic mode, according to video recording cameras. If the experiment is considered successful, then soon all recording cameras in Russia will begin to issue insurance fines.
And finally, there is one more punishment for using fake OSAGO policies. In this case:
- Firstly, the driver is subject to a basic fine, similar to that for driving without an insurance policy;
- Secondly, the driver has a chance to fall under criminal liability, according to Part 3 of Article 327 of the Criminal Code of the Russian Federation. But this is only possible if the court decides that the driver deliberately used a fake policy, knowing that its validity had already expired.
In practice, of course, such a fact will be difficult to prove. But if obvious independent fakes are discovered, then this is quite possible. For example, quite recently in Krasnoyarsk there was a trial of a female driver who personally corrected the number in the date of her insurance.
if you you need to make sure your insurance policy is valid, that is, his data is entered into the AIS RSA database and is searched through it, then any driver can use this service to check the MTPL policy. You just need to enter his number.
Don't forget that a car is, first of all, a vehicle of increased danger. And insurance will help you in the event of an emergency to compensate not only for material damage, but also to protect the property of injured persons who suffered due to your negligence. Well, and most importantly, be careful on the roads and do not violate traffic rules.
The fine for driving without MTPL insurance in 2019 can range from 500 to 800 rubles. You may only receive a warning.
In this material we will consider in what cases and what the driver faces.
In 2015, the cost of compulsory motor liability insurance was significantly increased, in 2019 the cost increased again for many drivers, as a result, drivers began to massively ignore the requirement to insure their civil liability. Accordingly, the question arose about what fine you will have to pay if you are stopped by an inspector. The first thing he will require is the documents that you must provide in accordance with paragraph 2.1.1 of the Traffic Rules.
A fine for lack of compulsory motor insurance is the most harmless thing that can happen. In practice, there are cases when apartments had to be exchanged in order to pay for an accident.
The likelihood of getting into an accident only increases with the number of cars. OSAGO is not something worth saving on.
Queues in offices and the imposition of “extras” are already a thing of the past. You can receive or renew your policy within 15-20 minutes by simply filling out the form below. All that remains is to choose the insurance company with the best price offer.
Get an MTPL policy online
Requirements of the Traffic Rules for presenting an MTPL policy
2.1. The driver of a motor vehicle is obliged to:
2.1.1. Carry with you and, upon request, hand over to police officers for inspection:
- insurance policy of compulsory civil liability insurance of the vehicle owner or printed on paper
information on the conclusion of such compulsory insurance agreement
in the form of an electronic document in cases where the obligation to insure one’s civil liability is established by federal law.
The insurance policy or information about the electronic policy is required to be submitted to the inspector.
But what to expect when there is no compulsory motor liability insurance policy? Read the article to the end to avoid becoming a victim of a scam by unscrupulous inspectors.
If you issue an electronic policy, it is enough for the inspector to present a printed copy of the electronic document.
First, let's define what the abbreviation OSAGO is - Mandatory Insurance AutoCivil Liability. Please note that the driver does not insure property, but his own liability. Those cases when he will be financially responsible to another person. At the time of the insured event, the driver must have a valid MTPL agreement with the insurance company, issued in his name and corresponding to the vehicle that the driver is currently driving. Or a policy without restrictions.
Situations when there may be no compulsory motor liability insurance policy
There are various reasons why the driver is not able to transfer the insurance policy to the inspector. Depending on the specific situation, the fine for driving without insurance will be different amounts or you may only receive a warning.
- Absence of an insurance contract in principle, an illegally purchased policy not in the database;
- An expired policy, a policy in which another person is included, a policy in which another vehicle is included;
- If you do not have the insurance contract with you, it is forgotten, lost, or other reasons that do not allow it to be handed over to the inspector on the spot.
Each case provides for a separate fine - this is important to know, since the inspector can impute any of these cases.
What is the fine for driving without MTPL insurance?
Liability for the first case is provided for in Part 2 of Article 12.37:
Failure by the owner of a vehicle to fulfill the obligation established by federal law to insure his civil liability, as well as driving a vehicle if such compulsory insurance is known to be absent, -
a fine of 800 rubles.
The second case is more loyal to the driver and is described in Part 1 of Article 12.37:
Driving a vehicle during the period of its use, not provided for by the insurance policy of compulsory insurance of civil liability of vehicle owners, as well as driving a vehicle in violation of the conditions stipulated by this insurance policy for driving this vehicle only by the drivers specified in this insurance policy -
entails the imposition of an administrative a fine of 500 rubles.
In the third case, you may be left without a fine at all on legal grounds and receive only a warning. Part 2 of Article 12.3 is about this:
1. Driving a vehicle by a driver who does not have registration documents for the vehicle, and in established cases, documents provided for by the customs legislation of the Customs Union, with marks from customs authorities confirming the temporary import of the vehicle -
entails warning or imposition of administrative a fine of 500 rubles.
Can a car be towed for lack of compulsory motor insurance?
No, they do not have the right, this security measure is regulated by Part 1 of Article 27.13 of the Code of Administrative Offenses of the Russian Federation and the above articles are not mentioned in it.
Can they rent rooms for lack of compulsory motor insurance?
No, they do not have the right, this security measure was regulated by Part 2 of Article 27.13 of the Code of Administrative Offenses of the Russian Federation and was excluded on November 15, 2014.
If I am not at fault for an accident and I do not have compulsory motor liability insurance, am I entitled to payments from the insurance company?
Yes, you will. As we noted at the beginning of the article, it is not property that is insured, but liability. If there is no fault in an accident, the culprit is liable to you and the insured event occurs only to the culprit. You will only receive a fine under one of the above articles. There is no civil liability to the guilty participant in an accident.
You can draw a simple and logical conclusion: to avoid a fine for not having MTPL insurance, you just need to purchase an insurance policy. In 2018, online services for obtaining insurance are already operating stably. Using the form below, you can issue an MTPL policy within 15-20 minutes without leaving your home.
So that fines for driving a car without an insurance policy do not come as a surprise to the car owner, it is important to consider each case of punishment provided for by law. “Sanctions” have received a wide range - they now apply to many situations. Armed with knowledge, it will be easier to comply with the law.
The reasons why the car owner does not have it are numerous. The punishment also includes the case when the owner of the car forgot the document at home. The price difference for the different options is as follows:
- Failure to provide the MTPL form - forgot, lost, left behind. In financial terms, this punishment will be 500 rubles. It would seem that this is an insignificant fine in comparison with an expired document, but if you are “lucky” and the posts take note of your car, you will have to go broke.
- Driving a car during a period not covered by the policy. In other words, drivers who take out compulsory motor liability insurance for a period less than its standard annual period, but at the same time use the car longer, risk being fined. Punishment – 500 rubles. Taking out a “seasonal” policy is beneficial for summer residents and pensioners whose cars sit idle in garages in winter.
- A driver not included in the MTPL policy. Situations when a car is driven by a family member who is not included in the policy for the sake of saving money are not uncommon. Therefore, the owner must be prepared for the fact that the fine in this case will be 500 rubles. An accident in which the culprit or victim is a person not specified in the insurance is considered in favor of the one who complies with the obligations. The conclusion is that the savings are not commensurate with the risk.
- Expired MTPL policy. Often in such a situation, it is not malicious intent that is involved, but the absent-mindedness of the car owner. Nevertheless, forgetfulness will play a cruel joke on him - the fine will be 800 rubles.
- Absence of compulsory motor liability insurance policy in principle– the driver does not insure the car after purchasing it or systematically does not renew the existing policy, will entail similar consequences.
So, if the listed points have become commonplace for a vehicle owner, there is reason to think: isn’t it more profitable to purchase a policy than to pay fines for uninsured trips? In large cities, where traffic police services are on duty around the clock, collisions with them are not uncommon.
How to get an MTPL policy
Today, the acquisition procedure has been simplified as much as possible - any insurance company requires the same documents. The policy amount is almost the same and varies depending on what is included in the list of services offered - for example, representatives often try to include a threat to the life of the car owner. You can calculate the correct and accurate cost yourself. Required documents:
- Statement. The form is usually issued to the company itself.
- Identity card - passport or driver's license.
- Vehicle registration certificate. If you purchase a new car, a title is provided.
- Certificate of technical inspection valid at the time of concluding the contract with the insurance company. New cars with a service life of less than three years do not require a document.
Usually the registration procedure takes a few minutes. It is possible to apply online, however, this function is not used by all insurers working on opening a compulsory motor liability insurance policy - it is worth consulting first. In addition to the policy itself, the driver receives forms for drawing up accident reports.
Note! The maximum payment for repairs is 400 thousand rubles. This amount may not be enough to restore expensive cars. Therefore, it is additionally worth purchasing a DSAGO policy, which has expanded its own capabilities - up to 1 million rubles of payment. The cost of the document is lower than the main one - from 200 rubles.
Motor transport without compulsory motor liability insurance policy
There is one! However, you shouldn’t be happy that your own “horse” is on the list. Vehicles operated without insurance are quite specific:
- Bicycles, scooters. The speed of the vehicle is no more than 20 km/h.
- Military vehicles.
- Cars with a policy from a foreign insurer.
- Trailers.
So, the conclusion is that insurance is the only way in the event of an accident to have funds to repair your own car. Otherwise, you can go broke not only on it, but also by paying frequent fines.
