It’s not a secret for anyone that various situations occur on the roads of our country every day, and traffic accidents are no exception. Therefore, absolutely every driver should have insurance with him. It is now possible to issue it in almost any insurance company. Compulsory car insurance policy is one of the three compulsory documents, without which driving is prohibited. Therefore, motorists should be aware of the responsibility for the lack of compulsory motor liability insurance.
general information
Until 2014, according to Russian law, for drivers who do not have valid insurance, it was assumed that they were deprived of the right to admit to driving and removing license plates. But in connection with the increased cases of theft of numbers, the legislation was amended according to which liability for the lack of compulsory motor liability insurance became more loyal. Now, drivers can drive the car without insurance, but when checking documents with traffic police inspectors, they will be fined 800 rubles. In this case, the issuance of a fine remains at the discretion of the traffic police officer, who may not draw up a protocol, but issue an oral warning.
They ate forgot the policy at home
Many drivers are interested in what responsibility is for the lack of an insurance policy in 2017 if the document was forgotten at home. It is immediately worth noting that this situation is one of the easiest on the road.
If you are stopped, then representatives of law enforcement officers have the right:
- Issue an oral warning.
- Draw up a report of the offense.
Most often, drivers do not forget home insurance, but drive with an expired policy or without it at all, which is considered a more serious misconduct. In this case, representatives of the law can fine an unconscious driver for 800 rubles. If you don’t want to pay the fine, try to present the insurance policy as soon as possible, or when filling out the protocol, indicate that you do not agree with the inspector’s decision, because you have valid insurance, but you forgot it at home. You have 10 calendar days to appeal the decision.
Types of violations of compulsory car insurance legislation
When answering the question about what liability for the lack of compulsory motor third-party liability insurance in 2017 exists, one should consider the types of violations of the legislation on motor insurance.
Current legislation provides that a driver may be fined 50 rubles in the following cases:
- Driving a car in a period that is not specified in the insurance contract.
- Car operation by a person who is not indicated in the policy.
Do not forget that the validity period of car insurance is one year from the date of conclusion of the insurance contract, however, the period during which it is allowed to drive a car may be different. Therefore, if you drive a car in a period that does not provide for a policy, then in this case you are liable for the lack of insurance for compulsory motor liability insurance, you will have to pay 500 rubles in fine. The same applies to driving a company car, if you are not indicated in the insurance policy.
Responsibility when driving a vehicle with or without an expired policy
These two violations are considered the most serious, the liability for the lack of compulsory motor third-party liability insurance is more serious. If you stop the traffic police, then you will be fined 800 rubles. As for the ban on driving, according to Russian law, the suspension is not provided.
You should not talk about how many motorists would prefer to drive without insurance, deciding to pay a fine in case of stopping by law enforcement defenders. However, every driver can become the culprit of a car accident, regardless of driving experience. Therefore, once again taking risks does not make much sense, especially since these days the size of insurance payments is very decent.
What will be the management of the vehicle without insurance?
What is the administrative responsibility for the lack of an insurance policy?
The current legislation reads as follows:
- Driving during a period not covered by the insurance contract is punishable by a protocol and payment of 500 rubles. In this case, the driver is not punished for the lack of insurance, but for driving a car in an unintended period, if the insurance is still valid. Each driver can save by limiting the time of operation of the vehicle. For example, if you plan to drive a car for several months of the year, then the cost of insurance services will be significantly lower.
- Driving a car outside the period prescribed in the insurance contract provides for liability for the lack of compulsory motor liability insurance in the form of a fine in the amount of 500 rubles. If the person driving the vehicle is not indicated on the insurance policy, then the same responsibility falls on him. Therefore, when driving a car, you must understand what this action will be fraught with if you do not have a power of attorney.
- For driving without insurance, as mentioned above, a fine of a maximum amount of 800 rubles is applicable.
- If you have an insurance policy, but you forgot it at home, then if you draw up the protocol, you can challenge it in court for ten days and, thus, avoid punishment. But for this you need to prove to the inspector that there really is a policy. If you cannot provide any evidence, then punishment cannot be avoided.
Do not forget that the lack of insurance is not a reason for the ban on driving and renting numbers, so if the inspector does something like that, then these measures are illegal.
What will be driving a car in the absence of a power of attorney?
If you drive another car, but you do not have a power of attorney to drive it and you are not specified in the insurance contract, then, according to Russian law, you will be fined 500 rubles if you are stopped by traffic police inspectors.
Responsibility for the absence of a seasonal insurance policy
Many Russian motorists purchase insurance for a certain seasonal period, for example, winter-spring. They buy insurance for a year, but it only lasts for some time. However, due to the warm autumn and the lack of precipitation, car operation may take longer than planned. If at the same time you are stopped by an employee of the traffic police, then the responsibility for the absence of a CTP insurance policy will be full, and you will have to pay 500 rubles in fine. This is a small amount, but it’s not worth the risk.
What will be the re-driving without insurance?
If before you were stopped by the traffic police and made a protocol on the fact of driving the vehicle without insurance, then when you stop again, there is also responsibility for the lack of compulsory motor third-party liability insurance. And this is despite the fact that the legislation does not say anything about this.
In practice, everything happens quite corny. At each verification of documents, if you do not have insurance with you, the inspector will write out a protocol, and you will be fined 800 rubles.
Responsibility for driving a car without insurance for legal entities
Legal entities and individual entrepreneurs who are forced to operate a vehicle due to their activities can not only insure every car registered in the company,but also caution yourself against many risks. However, they do not bear absolutely no responsibility if they are stopped by the traffic police.
Car evacuation in the absence of an insurance policy
In 2017, the evacuation of the vehicle in the absence of valid insurance is not provided. Given all of the above, driver liability is limited only to the payment of a fine. Other penalties are not provided.
Despite the insignificant amount of fines for the lack of insurance, it will be quite unprofitable to pay them each time when drawing up the protocol. Therefore, it is better not to take risks, but to use the services of insurance companies and ride quietly. Only in this way you can avoid any risks on the road, and will also be insured in the event of a traffic accident. Yes, and car repair will come out much more expensive than the cost of an insurance policy. Therefore, its availability is in your interests. Is it worth it to save, each driver must decide. Nevertheless, the availability of insurance is in your interests, because in the event of an accident it can save a lot of money.