Every motorist, even one that has just received a license, knows that you can’t drive without insurance. The presence of a policy is very important. Not only that, with any, even the most insignificant, accident, you will be left without protection, so the traffic police officer, who did not find your insurance, will certainly be punished. And it can be tough enough. Unfortunately, not all car owners know what a penalty for the lack of insurance is due under the laws of the Russian Federation.
What should every driver have with them?
Not so long ago, in the absence of an insurance policy, the owner of the vehicle could lose numbers. Now, such a norm has been canceled. But this does not mean that you can ride without insurance. Although not all drivers understand this. Therefore, no matter how much a fine is imposed without insurance, still some citizens prefer not to issue a policy.
Each driver, while driving a vehicle, must have at least 3 basic documents:
- rights (driver's license);
- registration certificate for the car;
- CTP insurance policy.
Moreover, the absence of one of the first two papers leads to the detention of the car. But for the policy faces only a fine. Money will have to be laid out in such situations:
- lack of insurance or its delay;
- driving without a policy;
- riding with a short-term document beyond its validity;
- Driving a vehicle by a person not indicated in CTP.
In all situations, the amount of the fine will be different. Therefore, we will analyze them all in order.
The penalty for forgetfulness
The traffic police fine for the lack of insurance in the amount of 500 rubles is applied if the policy is still available, but, according to the driver, he stayed at home in another bag, jacket and so on. But even this amount will not always have to be paid. Under the new law, the inspector of the traffic police at his own discretion may even limit himself to an oral warning. It depends on how you manage to get him to you. But the situation sometimes develops in a different way. The inspector may not believe that you have a policy, and will impose a much larger fine. Without insurance on the road, nothing good is expected for a driver.
The insurance policy is not at all, or it is expired
If the inspector does not believe in your forgetfulness, then he will punish you, as for the complete absence of a policy. The penalty for the lack of insurance in this case is already 800 rubles. The basis for such a punishment is part two of Article 12.37 of the Code of Administrative Offenses. The penalty for lack of insurance threatens you even if you have OSAGO. But the paper has expired. Since the law equates an overdue policy with a completely absent one, the penalty for the violator is the same - 800 rubles.
If an accident happened, the situation can develop in two ways:
- You are the culprit, do not have a policy, or it is overdue - you fully compensate for the damage at your own expense + pay a fine.
- The accident occurred through the fault of the other party - the perpetrator will compensate for the damage, but you will be fined for the absence of compulsory motor liability insurance.
Driving driver not included in the policy
There are situations when the traffic police inspector stops a car, which is driven by a person who is not inscribed in compulsory motor third-party liability insurance. That is, the policy seems to be there, but it does not work. A fine is also imposed for this. If you are not included in the insurance, you will pay 500 rubles. Punishments can be avoided. For example, if a person who is not a member of OSAGO has a power of attorney from the owner of the car. Of course, you can try to write it for a short time while the inspector goes to the car. But it’s better to take care of this in advance.Such a power of attorney does not need to be certified by a notary. It can be written simply by hand. There must be such information:
- passport data of the owner of the car;
- information contained in the vehicle data sheet;
- passport data of a person driving;
- powers that are transferred.
By the way, the fine (if the driver is not included in the insurance) will be paid by both the driver and the vehicle owner. The first is for driving a car without a policy. The second - for untimely registration of compulsory motor liability insurance. A double fine can only be avoided if it is possible to prove that the owner of the car misled the driver by claiming that there is insurance. As you know, to prove this is almost impossible. So the fine shines both. As you can see, there is a lot of information. So it will be very difficult to write all this in a couple of minutes.
Out of Time Riding
A fine (if there is no insurance) will have to be paid in this situation: you have a policy, but it is seasonal. What does it mean? Most often, the driver, purchasing OSAGO, pays immediately the entire year of its operation. But some are trying to save. If the policy is executed, but it is indicated in it that it is valid for only a few months, for example, from April to October, its cost is significantly reduced. But at the same time, this means that from November to April your vehicle must be in the garage. Retirees, summer residents, often take this step, fearing to use the car in icy and slushy weather.
If you take your “horse” out of the garage after hours, you will receive a fine. It’s illegal to drive without insurance. And you have it seasonal. Therefore, driving at a time not specified in the policy leads to an administrative fine of 500 Russian rubles. If you are indeed a senior citizen, the amount will not please you.
How many times can a fines be fined
Fine, if there is no insurance, you will receive as many times as you get caught. Even if it happened on the same day. Why is this happening? Paragraph 5 of Art. 4.1 Administrative Code suggests that no one can be punished for the same offense twice. So, the penalty for the lack of insurance can not be re-issued? Not certainly in that way. The fact is that if, after talking with the inspector, you went on and were stopped by another patrol, then this will be considered a new offense, because his place and time have changed. So fine, if there is no insurance, you risk paying at every intersection. In this situation, it is much cheaper and easier to draw up a policy than trying to save on it.
Sometimes such a loophole in the law is used by unscrupulous police officers. At the end of the month, when you need to “close the plan” for fines, the inspector does not need to transfer your car data on the radio and tell colleagues that you do not have an insurance policy. Then they will catch your car purposefully. By the time you get to the insurance company, you will have time to deliver a dozen receipts.
Dispute Resolution
Do you agree to pay a fine if there is no insurance? Not? Then the decision of the traffic police will have to challenge. The largest number of disputes arises due to the incorrect interpretation of the law. That is, the driver who has left OSAGO at home is trying to write a fine in the amount of 800 rubles, not 500, as expected. It is understandable. The patrol is absolutely not obliged to take your word for it. He simply fixes the lack of insurance, without going into details.
How to be Take the receipt calmly, and in the protocol do not forget to indicate that you do not agree with the actions of the traffic inspector. If you still have a policy, you will have several days to appeal against the inspector's actions. To do this, you need to come to the district office of the traffic police and submit the following documents:
- current insurance policy;
- DVR recording, if any;
- application addressed to the head of the department with a request to review the amount of the fine.
Well, or you can leave it as it is and pay a larger amount than expected.But save time.
Who does not need insurance?
Not all motorists know, but there are cases when the insurance policy is not needed at all. It is not required to take out insurance:
- Owners of vehicles whose speed cannot exceed 20 km / h.
- Owners of towing devices for cars.
- Vehicle drivers moving not with wheels, but with a different kind of device.
- Owners of a car insured abroad under the international insurance system.
In addition, the policy is not needed for drivers of military equipment, as well as for owners of vehicles that are not recognized as participants in road traffic on the territory of the Russian Federation for technical or operational indicators.
