What a punishment for driving without insurance. What is the penalty for driving without insurance?

Any driver knows that among other documents that you need to have with you when you are behind the wheel, there is an insurance policy of OSAGO. If it is not with him, then the car owner is punished. In the article we will consider what kind of penalty is provided for driving without MTPL.

OSAGO

As follows from the decoding, compulsory motor third party liability insurance is compulsory insurance, which means that in any case the driver must have this type of insurance. The policy implies liability insurance. It turns out that, in drawing up this agreement, the policyholder protects those people and their property who will suffer as a result of the accident, in which he will be the culprit. Thanks to insurance, he will not have to compensate for damage on his own.

Studying the essence of the OSAGO insurance, the driver should know what the Europrotocol is, how and when it can be issued, MSC, or bonus-malus ratio, and the basic rules for calculating it, as well as other important points. After all, it directly depends on how much he will ultimately pay.

It is also important to understand the offenses behind the wheel and the administrative sanctions that are relying on them. For example, what punishment for driving without insurance?

Types of fines

CMTPL contributes to the settlement of disputed situations in an accident. The driver is entitled to a fine for driving, driving without insurance.

Situations are different. OSAGO can stay, for example, at home. And maybe so, that the driver will forget about the date of insurance, and suddenly it will be found out that he is overdue. There are also such car owners who generally drive without a policy.

Let's consider each situation separately.

Polis stayed at home

The current legislation provides for the requirement to have a paper document of OSAGO. Even if the policy was purchased through the Internet, the car owner must print it out and carry it with him.

If an employee of the DPS stopped you when you forgot the insurance at home or if you did not open it, you will still be punished. What is the penalty for driving without insurance - the policy of OSAGO? Rarely, but it happens that the inspector will take your word for it and you will only get rid of an oral warning. Most often, the fine is 500 rubles. And then, it will be so only when you prove that you really have insurance. Otherwise, you have to pay more.

If you can go to the Internet from your mobile phone, go to your email and show the policy sent to you from the insurance company. If this is not possible, then you have to go home for insurance.

The driver is not inscribed in OSAGO

Only persons who are inscribed in the contract (if it is with a limited list of persons) are allowed to operate the motor vehicle. In the event that when a vehicle stopped by a traffic police officer driving a car was a person who is not on the list on the policy, the car owner will have to pay a fine for driving without insurance, the amount of which is 500 rubles.

However, if the car owner wants, he can challenge the decision of personal payment and try to shift responsibility to the one who was behind the wheel.

Overdue insurance

In our country, the rules on motor vehicles vary very often. Just a few years ago, drivers could reissue insurance for another month after the previous one had expired. Today this rule is abolished. And even if several hours have passed after the insurance ceased to operate, the driver can not drive his car. What is the punishment for driving without insurance? According to the current legislation, a fine of 800 rubles is required.

DTP is, there is no policy

Without a policy, an accident can occur. In this case, no matter what party the intruder is, it is waiting for him the same penalty, which punishment for riding without insurance is usually assumed. Is the driver without the MTPL the culprit of the accident or the injured party, he will still have to pay a fine of 800 rubles.

If he is the culprit of the accident, he will have to pay monetary compensation to the victim from his own funds. Arrived at the scene of a traffic police officer must note the fact that the car is not the OSAGO. In order to calculate the losses incurred, an independent expert is invited.

Of course, in this situation, the most advantageous option is to solve the financial problem on the spot. If the aggrieved party agrees with the monetary compensation, it is necessary to take a receipt that no claims will be made after revealing the hidden damages.

If the perpetrator has a MTPL policy, and the injured party does not have it, the UK must pay. However, for lack of insurance he still have to pay.

Mitigation of Punishment (2014)

Until 2014, inspectors had the right to remove state numbers from the car for driving without insurance or with an expired document. However, it was subsequently decided to abandon such a measure, since copies of the numbers can be made as many as desired, and the punishment for such an offense was considered too serious.

Therefore, at present, the maximum that can be brought against the offender is a fine for driving without insurance. What is the penalty for traffic police - we have already considered: 800 rubles.

An even greater mitigation of punishment (2016)

From the beginning of 2016 it was decided to go even further. The measure was adopted not only in connection with the offenses under consideration, but also in other non-binding violations. If within 20 days after the fine is issued, pay it, then you will need to pay only half of the amount written out. What punishment for driving without insurance then it will turn out?

1. If you write a fine of 800 rubles, then you can pay only 400 rubles.
2. If you write a fine of 500 rubles, then you can pay only 250 rubles.

Insurance process

So, in spite of the fact that the fine for driving without OSAGO is small, it is necessary to take care of the insurance in advance. At present, this procedure has not been bypassed. On the one hand, payments to insurers have increased, and on the other - insurers have been forced to raise the cost of insurance. Moreover, when you design in the UK often impose additional services, and very successfully. You should know that this is illegal, and any car owner has the right to complain about such actions in the Central Committee of the Russian Federation. More often than one such threat is enough that the agent completely forgot about the offer of additional services, because otherwise the insurance company can expect a considerable amount of fine.

Other changes have touched that the technical inspection of the car must be completed before the insurance is issued. All these nuances should be taken into account in order to have time to conclude a new contract of OSAGO. Then, although there will be an answer to the question of what kind of penalty is provided for driving without insurance, it will not be needed in practice.