What is the penalty if there is no car insurance? We have to answer this question further. A similar kind of violation occurs in Russia in various forms and quite often. Therefore, it is important for each driver to understand what consequences he may face. And are there any sanctions at all? To understand all this and not only succeed later. In reality, everything is simpler than it seems.
Documents for drivers
What is the penalty if the car is without insurance? First of all, we’ll try to find out what documents each driver should carry. Maybe you only need to have an insurance policy, but taking it with you every time is not necessary?
This is actually a false statement. Each driver should have the following papers with him:
- passport;
- driver's license;
- STS;
- CTP insurance policy.
It is advisable to have a TCP, but not everyone carries this paper with him. Therefore, the lack of insurance is a violation. Not the worst, but it does occur.
Types of Violation
What is the penalty for the lack of insurance for the car to pay the modern owner of the car? The answer depends on the circumstances of the case.
As we have already said, the violation under study occurs in different interpretations. And therefore, an unequivocal answer regarding fines cannot be found.
Today, drivers are able to face the following scenarios:
- insurance stayed at home;
- the policy of compulsory motor liability insurance was not in principle;
- the document has expired;
- a citizen is not included in the insurance policy.
All this is a different violation. Below we will examine each layout in more detail. What is the penalty if there is no insurance for the car under certain circumstances?
Document is forgotten
Let's start with the most common scenario. We are talking about situations where, in principle, there is a motor insurance policy, but the driver simply forgot it. Is such an act considered a violation?
Yes. As mentioned earlier, under such circumstances, you will have to face sanctions. After all, the owner of the car is obliged to carry a CTP policy. What is the penalty if there is no insurance in Russia?
In this case, the citizen faces a payment of 500 rubles. And nothing more. Not too much, but there is also little pleasant in this. That's not all.
Forgetful warning
We found out what a fine for driving a car without insurance threatens the one who forgot the mentioned document. In addition to the sanctions proposed, there are other penalties.
The driver by law can get off with the usual warning. Legislation allows either to reprimand a negligent owner, or immediately fined. The second option in practice is most common.
No document at all
A car without insurance? Is there a penalty for such an act?
Yes, but more serious. Indeed, the current laws of the Russian Federation oblige all drivers to insure their cars. With us, as we have already found out, a citizen must have a car insurance policy without fail.
What threatens the lack of this paper? The fine, if there is no insurance for the car, in 2017 is only 800 rubles, no more, no less. And no warnings are provided in this case. Only relevant payouts.
Out of period
What is the penalty if there is no car insurance? There is another rather interesting scenario. In real life, he does not meet too often. And not everyone understands what is at stake.
What is the penalty for the lack of insurance for the car when using the vehicle outside the period? And what does it mean? We will discuss this later.
Suppose that a citizen has a CTP insurance policy for a year, but with an indication of the period of use of the car from September to December. And behind the wheel, for example, had to sit in August.
A similar situation - this is the use of transport outside the period. And such an act will be considered as a lack of insurance for the car. How much will you have to give in this case?
A fine for a car without insurance is provided in the amount of 500 rubles. So much citizens pay for using the vehicle outside the period of the CTP insurance policy. No exceptions are made to drivers.
Delay
Is there a delay in car insurance? What penalty in 2017 will have to pay the forgetful owner of the car?
To understand this issue is actually not difficult. The thing is that such an act is equivalent to the actual absence of a compulsory motor insurance policy. That is, if the document is expired, it must be changed. Until then, you'll have to forget about driving.
Otherwise, you need to find out what penalty for overdue insurance for the car to transfer to the traffic police. In 2017, the corresponding payment, as you might guess, is 800 rubles. And not a ruble more. This amount applies to all regions of the Russian Federation.
No insurance entry
But that is not all. The fact is that there are often situations in which citizens drive other people's vehicles. And while drivers are not indicated in the insurance policy.
It is hard to believe, but this alignment is a violation of an administrative type. Is there a ride without insurance on someone else's car? What penalty will a person have to pay?
In this case, the payment will be only 500 rubles. The fine is administrative in nature. But it is recommended to deal with it as soon as possible.
Room removal and evacuation
Now we can consider some features of the studied violations. Previously, in Russia for the lack of insurance the car could be evacuated. In addition, state numbers were removed from the vehicle. And driving became impossible.
Since 2014, these measures are no longer used. So, it’s enough to only know what punishment threatens a car without insurance. A fine or reprimand is all to be afraid of. The rights for this violation are not taken away, they have no right to touch the car, it is also forbidden to touch the license plate. If a traffic police officer threatens with such measures, you can complain about him. The main thing is to fix such an act.
Exceptions to the Rules
In Russia, almost every violation has a number of exceptions. Far from always, the absence of an insurance policy is the basis for imposing sanctions on the owner of a car. What exactly is it about? What exceptions exist today?
You won’t have to think about what the delay in insurance on a car threatens (what penalty must be paid in a particular case) if you:
- the maximum speed of the car does not reach more than 20 km / h;
- The car is registered in a foreign country.
But that is not all. The policy of compulsory motor third-party liability insurance issued on conditions of unlimited use allows not to enter drivers into insurance. So, you can not worry about the corresponding violation. After all, in fact, the owner will have a motor insurance policy. And with unlimited use, the document will allow any citizen to drive behind the scenes without any consequences.
Car sales and insurance
Life is multifaceted. And therefore, it is quite difficult to predict all possible scenarios. What if a person just bought a vehicle? Such property usually does not have insurance. Is such a situation considered a violation?
Not. To think what a fine for driving a car without insurance when buying and selling a car is not required. But only a certain time.And with him, a person must have an agreement on the acquisition of movable property.
Under current law, in Russia you can drive without an insurance policy for 10 days from the date of conclusion of the contract of sale. If this period has not passed, there is nothing to worry about. Otherwise, you will have to face the sanctions listed above.
Attention: it is advisable not to delay the paperwork for the car after its purchase. This procedure is time consuming. And already on the 11th day after the acquisition of the vehicle, the driver can be fined in full, without any warnings or concessions.
So, you have purchased a new car, and you have to drive a car without insurance. What penalty must be paid in this case? None when it comes to the first 10 days.
Copies will save
What is the penalty if car insurance is over? The answer to this question will no longer cause any problems. Each modern person will be able to determine how much he will have to give money under certain circumstances.
Next, we will look at a few important features and tricks to help avoid fines. Let's start with the simplest technique, which many forget.
It is about storing copies of the MTPL policy. It is advisable to certify the appropriate paper. You just need to put the document in the car and carry it with you.
Presentation of a copy of a motor insurance policy is a rare occurrence. However, it helps to avoid fines and reprimands. Especially if the paper was certified in the prescribed manner by a notary.
If the traffic police officer does not accept such a policy, it is allowed to complain about it. After all, the presence of a certified copy of OSAGO actually confirms that the person actually has the original.
Important: this technique helps to avoid punishment when it comes to forgetting the original. If the driver is overdue or absent from OSAGO, the method will not save.
Do not enter in CTP
There is another scenario. We are talking about a situation where a citizen transferred control of a machine to another person, and the latter is not included in the insurance.
As we have said, under such circumstances, you will have to think about the violation in advance. To avoid it, it is recommended that you simply issue CTP without any restrictions on use.
Now what? Further, in order to get rid of any sanctions and not think what a fine, if there is no insurance for the car, it remains only to make a copy of the auto insurance policy and put it in the vehicle. They will not be able to be fined for the absence of the driver person entered in the document. In any case, the current legislation of the Russian Federation says so.
Delay - what to do?
We found out what the delay in car insurance threatens with. What kind of penalty the car owner will pay is also clear. Are there any secrets or tricks to help avoid punishment?
Unfortunately not. You can try to negotiate with the traffic police that within a few hours the driver will bring a new insurance policy and present it. But, as it is not difficult to guess, such a situation is possible only when the owner actually goes for the mentioned documentation. Therefore, you should not rely on it.
Forgot your home? There is an exit!
What's next? What penalty, if there is no insurance for the car, we found out. And how to avoid punishment, provided that the person simply forgot this document at home or at work?
There is a way out, but not all traffic police agree to it. The thing is that you can ask someone from your colleagues or relatives to quickly give you a CTP insurance policy. Then the traffic police officer will check the validity of the paper and release the driver.
In some cases, law enforcement officers give about 30-60 minutes (depending on the region and the traffic situation) to the forgetful driver to drive for the insurance policy and return back.
Attention: some citizens offer to leave the passport or a driver’s license as a guarantee for the traffic police. In such circumstances, the insurance policy will have to get "on their own." After all, control of the vehicle without the documents listed above is not allowed. These are also violations for which they can fine or apply other sanctions.
Number of fines
Another interesting question that worries the bulk of the citizens is how many times a person can be fined for driving a car without an insurance policy. This topic causes a lot of controversy.
Under current laws, 2 fines cannot be imposed for the same administrative violation. And therefore, if the driver was stopped for lack of insurance and a fine was issued, you can not wait for a new one. In fact, everything is not so simple. Why?
The thing is that you cannot write several fines for one completed violation. That is, when a person was stopped without insurance and punished, he should not continue driving.
What happens if the driver sits behind the wheel again? No matter how strange it sounds, a new violation will begin. So, a person will be able to be fined again.
In other words, the number of issued fines for driving without insurance cannot be predicted. Everything will depend on the situation. If you are lucky, they will be fined only once a day. Otherwise, you can receive as a “bonus” numerous payments in the previously indicated amounts. And in the end, the amount payable can unpleasantly surprise the owner of the car.
How to pay
Perhaps this is all. Next, we will talk about how you can pay a fine if there is no insurance for the car.
This can be done in many ways. The main thing is not to collide with other traffic police officers (so that there are no new fines), return home as soon as possible and correct the situation.
To date, traffic police fines are paid:
- in place (by bank transfer, not always);
- through Internet banking (for example, through the Sberbank Online system);
- using payment terminals (including bank);
- by working with ATMs;
- electronic wallets;
- at bank cash desks.
In reality, everything is not as difficult as it seems. It is enough to find a penalty in the system (for example, by the number of the car or by the number of the resolution / TIN of the driver), and then deposit the funds in the prescribed amounts.
Modern citizens have a unique opportunity to pay fines for the traffic police through the State Services. In this case, until 2019, all payers are entitled to receive a discount when paying fines. It is 30-50%.
What does it mean? When paying fines the traffic police will be able to pay less than the established payments. But the mentioned bonus does not apply to some violations. For example, driving while intoxicated.
Attention: traffic police fines can be paid through third-party services. It is advisable to use only trusted resources. For example, "Payment of public services." Then the payment will definitely reach the recipient.
Organization and payment
Does a legal entity have a car without insurance? The fine in this case will still be issued. But in what sizes? And who should be fined - drivers or organization?
At first glance, it seems that the legal entity will be responsible. But this is not entirely true. Responsibility for driving without insurance is the direct driver of the vehicle.
How much should I pay? It all depends on the situation. But you need to focus on the payments listed above. There are no separate fines for legal entities for the lack of motor third party liability insurance policies. And while such innovations are not planned.
Attention drivers in companies
What is the penalty if there is no car insurance? The answer to this question will no longer cause any trouble. We clarified the situation and considered all possible scenarios.
Drivers who work in companies that have not worried about providing their vehicles with OSAGO policies can appeal the decision of the traffic police or simply contact the employer to recover the full amount of the fine.
That is, companies only indirectly pay for the lack of insurance for the company's cars. This situation is rare, but it still takes place.
Conclusion
If the car is without insurance, what penalty is imposed on the driver? We fully understood this issue. We also managed to get acquainted with several tricks that will help to avoid punishment.
Now every driver knows what this or that deed will turn out to him. And how to avoid sanctions too. This is not so hard to do. Was there a car ride without insurance? What is the penalty to be paid? If you know the answer, now there will be no hassle!