Every driver knows that under the law a car must be insured under compulsory motor liability insurance. If this document is not available or it is expired, then driving is strictly forbidden, otherwise an administrative penalty will be imposed on the driver for the absence of compulsory motor third-party liability insurance. But, as you know, motorists often break the rules. Therefore, at least, you need to know exactly what this or that offense can lead to and how to minimize financial losses, if any happen.
Features and Benefits
The interpretation of compulsory motor liability insurance is as follows: this is compulsory motor third party liability insurance. The peculiarity of this type of insurance is that in this case the interests of car owners are protected in case of harm to life, health or property of people who had an accident in Russia.
The owner of the policy protects himself from the risks in the event that he becomes the culprit of the accident. If there is CTP, the damage will be compensated by the insurance company where the car owner purchased the policy. At the same time, if he is the injured party, the insurance company will indemnify him for the damage resulting from the accident. Otherwise, whether it is the culprit or the injured party to the accident, he will be fined for the lack of compulsory motor third-party liability insurance and covering all expenses related to compensation for damage resulting from the accident.
Law violations related to compulsory motor liability insurance
We list the main violations associated with cases when OSAGO is not with the driver:
- Insurance may not be available while driving.
- The policy is not issued.
- The machine is driven by a driver who is not listed on the insurance.
- MTPL expired.
In each of the cases described above, the car owner is fined for the lack of compulsory motor liability insurance.
Lack of CTP
But there are times when you can drive a car without insurance. So, with a recent purchase of a vehicle during the first ten days, traffic police officers cannot impose a penalty for the lack of a mandatory motor liability insurance policy. The relevant law No. 1156 containing this order was adopted on November 12, 2012.
According to the law, it is impossible to arrange a car without a policy. In addition, if during these ten days without compulsory motor third-party liability insurance the driver gets into an accident in which he becomes the culprit, he needs to indemnify the injured person on his own. Therefore, in order not to get a very unpleasant surprise right after buying a car, it is better to take out insurance right away.
But there are exceptional situations when even within ten days the driver did not have time to draw up all the documents for the car. In this case, Law No. 40 contains a clause according to which the car owner is allowed to conclude a temporary agreement for the car for twenty days in case if after ten days it was not possible to collect all the documents.
This can happen when the car was purchased in one place, and for its permanent registration for 10 days to reach the destination failed. Another case may occur if the service station required a second inspection.
However, a temporary twenty-day agreement is not enough to register a vehicle with the traffic police. They will require OSAGO, which is issued for the whole year.
In addition to these cases, driving without a policy is considered illegal and an administrative fine is imposed for the lack of insurance of compulsory motor liability insurance.
Negligence fee
If a traffic police officer stopped you on the road, but you didn’t have a policy with you, then, taking advantage of the driver’s ignorance, the inspector can equate this violation with another, more serious one. What is the penalty for the absence of compulsory motor third-party liability insurance in this case? Only 500 rubles.
The inspector may issue a fine of 800 rubles.But, if this is important for you, then prove to him that the policy is indeed available.
But you can get out of the situation in another way. Just express in the protocol your disagreement with the fine and inform that the document is actually available.
Appeal against the decision is allowed within ten days.
Not inscribed in CTP
An insurance policy is available with a limited and unlimited range of persons who are allowed to drive a car.
The traffic police officer can stop the car at a time when it is controlled by a driver who is not included in the policy. Of course, avoid in this case administrative penalty alas, it will not succeed.
Expired Insurance
Despite the fact that OSAGO is concluded for a year, if necessary, you can independently determine the period when the car will be used (at least three months). Due to this, the cost of insurance will decrease slightly.
If traffic police are stopped by traffic police during a period when, although with current insurance, you can’t use the car, then the offender will be required to collect. The size of the fine for the lack of insurance of compulsory motor liability insurance is equal to the amount of 800 rubles.
Of course, insurance companies themselves monitor when their customers expire CTP. But one cannot but take into account the human factor. Yes, and the driver himself may for some reason refuse to extend the term of the policy. Regardless of why the car owner was driving without a valid insurance policy, he will be fined.
The penalty for the lack of insurance
Motorists are not always in a hurry to get a new insurance policy. Often, drivers who drive other people's cars are not included in the insurance policies. In this regard, the question arises of increasing the cost of insurance this year. At the same time, the design process will be somewhat more complicated.
Once again, we fix what a fine for the lack of insurance for compulsory motor third-party liability insurance is currently required. A driver can be fined 500 rubles if the inspector believes that the insurance just stayed at home. You will have to fork out for 800 rubles if the traffic police officer is sure that you do not have an insurance policy at all. The last case can be appealed within ten days, if you actually have a CTP. But few will do this because of three hundred rubles.
Outdated and new measures
Back in 2014, the inspector could well pick up your state number if he stopped when the insurance was expired, or even more so if it wasn’t at all. But at the end of 2014, it was decided to abandon this practice. After all, the car owner today can independently order as many copies of state numbers as he wants. Therefore, such a punishment has already lost its meaning.
In order to induce fines to pay bills, a norm was introduced according to which, when paying a fine within twenty days from the date of its discharge, the motorist pays fifty percent less money. Of course, this has become a truly effective mechanism for the speedy payment of administrative penalties.
