Penalty for not having an OSAGO policy: what awaits violators this year? What is the punishment for driving without insurance Punishment for driving without insurance c.

Many drivers are interested in whether it is possible to drive without insurance and what is the punishment for this. It is worth noting that since 2015 the cost of OSAGO has been significantly increased, as a result of which some drivers have decided to neglect their car insurance. Because of this, cases of getting a ticket for driving without car insurance have become more frequent.

In this article, we will try to answer the questions about what driving without insurance threatens and whether new rules for driving without insurance have been introduced in 2017.

New Rules 2018

The fine for driving without insurance or the absence of a policy in 2018 ranges from 500 to 800 rubles. No new rules have appeared compared to 2015 or 2016, so you should not be afraid of something unfamiliar.

Lack of OSAGO policy

It should be said right away that the OSAGO policy should not be with you all the time, but only at the request of a police officer. Therefore, different reasons for the absence of this entail a different fine for driving without insurance. What is the penalty for driving without insurance?

The amount of the fine for the absence of a policy at all or illegally acquired will be 800 rubles. If you present a false policy, you may be subject to criminal liability.
A penalty of 500 rubles threatens those drivers for presenting a policy issued for another person or another vehicle.
The most loyal punishment for driving without insurance is for those who simply forgot it at home. Such violators can get by with a simple warning, but in some cases you still have to pay a fine of the same 500 rubles.

As you can see, driving without insurance is not punished seriously and will not cost a round sum, but still you should not abuse it. In unforeseen situations, an OSAGO policy can help you avoid big expenses and problems when interacting with police officers.

How long can you drive without insurance?

This moment is not regulated by law in any way, since auto insurance is mandatory for everyone. Consequently, the law does not provide for the absence of an OSAGO policy. However, if you avoid contact with the inspectors, it is possible to drive without insurance and get around without a ticket for driving without insurance for an extended period of time.

One has only to guess what punishment will follow if this fact is discovered over a long period of time. Most likely, it will not cost a warning or a fine of 500 rubles.

Moreover, do not neglect road safety and take out an auto insurance policy, especially since the maximum payments for OSAGO have increased significantly. However, if you got into an accident through no fault of your own, you can receive a payment even without having a policy. OSAGO insures not property, but liability. For this reason, it is the perpetrator of the accident who will pay in this situation under his insurance contract, even if the injured party does not have auto insurance.

Other penalties for driving without insurance

Can other sanctions be applied to drivers without compulsory auto insurance? Firstly, if you are lucky enough to stop at more than one inspector in a day, then you can also get a fine several times.

There are no restrictions on the number of fines per day, so be prudent and issue a policy in advance. Secondly, license plates cannot be removed for this violation, so after receiving a fine, you can continue driving.

Some drivers use the vehicle during a certain season and not all year round. Accordingly, for such people, it is important to issue a policy not for 1 year, but only for a couple of months. There is such an opportunity, so we advise such people to still issue OSAGO, but for a shorter period of time.

Even if you use a car or motorcycle for only 1 month a year, you should not take risks and not take out insurance. It is better to insure for 2 months more than you need, but get some kind of security and a guarantee of monetary compensation in case of an emergency.

OSAGO for legal entities

The policy is available not only for individuals, but also for legal entities. In this case, insurance can be issued for the entire fleet of your company or company. In addition, it is possible to issue an additional policy on top of the mandatory one, which insures against a much greater number of risks. It is important to note that in case of an accident, it is the driver of the corporate car that is responsible, but not the legal entity. Accordingly, the offender pays the fine out of his own pocket, and not the organization's account.

As you can see, the fines for driving without insurance are not large and do not entail serious consequences. However, is it worth risking the price of OSAGO registration? No one knows if he will get into an accident and what the consequences will be. Our advice - be sure to take out insurance and be clear in conscience before yourself and the law.

In contact with

Once a traffic police officer stopped me, introduced himself and asked for an OSAGO policy for verification, I say yes, no problem and open the glove compartment to get the documents, I look and I broke a sweat, there are no documents - I forgot them at home and rights, and the OSAGO policy, and registration certificate.

And it's good that the traffic police officer went to the meeting and gave the relatives the opportunity to bring documents. Otherwise, I would not have been able to avoid a fine for driving without insurance, yes, what to dissemble, my car would have been evacuated and I would have had to run around later. There were no documents at all.

But even if you have documents for a car and the right to drive a vehicle, but there is no insurance, you still cannot avoid a fine. Its amount depends on the type of offense.

All fines in the form of a table

For what	ARTICLE Code of Administrative Offenses of the Russian Federation	PUNISHMENT
Driving without insurance (forgot insurance at home)	Part 2 Art. 12.3 Code of Administrative Offenses of the Russian Federation	Fine 500 rubles
Driving without insurance (did not draw up)	Part 2 Art. 12.37 Code of Administrative Offenses of the Russian Federation	Fine 800 rubles
Driving with expired insurance	Part 2 Art. 12.37 Code of Administrative Offenses of the Russian Federation	Fine 800 rubles
Driving outside the period of use of the vehicle	part 1 of Art. 12.37 Code of Administrative Offenses of the Russian Federation	Fine 500 rubles
The driver is not insured	part 1 of Art. 12.37 Code of Administrative Offenses of the Russian Federation	Fine 500 rubles

See how the driver caught the traffic police on illiteracy when trying to draw up a protocol for driving without an insurance policy.

In the table I gave a brief wording of violations and responsibility for them, the table can be downloaded and put into your car documents, I think it will not hurt you:

From November 15, 2014, if there is no insurance for the car, traffic police inspector is FORBIDDEN remove license plates and prohibit the operation of the vehicle.

Now let's look at each item in more detail with excerpts from the Code of Administrative Offenses of the Russian Federation.

Fine for driving without insurance in 2020

If you have an OSAGO policy, but for some reason you forgot it at home, you will, of course, be fined, but to be honest, this is the lesser of evils, a fine for driving without OSAGO will be - 500 rubles.

“Driving a vehicle by a driver who does not have an insurance policy of compulsory insurance of civil liability of vehicle owners, except for the case provided for by paragraph 2 of Article 12.37 of this Code,

- entails a warning or the imposition of an administrative fine in the amount of 500 rubles».

Until 2020, they were similarly punished if you did not print out an electronic OSAGO policy.

Now this is a thing of the past and it is enough to show the E-OSAGO inspector on a smartphone or give his number, and they already independently check the policy on the basis of OSAGO.

Penalty for not having insurance

It's more difficult, if you did not take out an OSAGO insurance policy at all, the fine will be 800 rubles.

“Failure by the owner of a vehicle of the obligation established by federal law to insure his civil liability, as well as driving a vehicle, if such compulsory insurance is known to be absent,

- entails the imposition of an administrative fine in the amount of 800 rubles».

Until November 15, 2014, driving a car without insurance threatened to evacuate the car and remove license plates. I am glad that this terror was canceled.

Late insurance fee

Please note that in the administrative code of the Russian Federation there is no concept of overdue insurance.

If your OSAGO policy has expired, then this IS EQUALIZED TO THE LACK OF INSURANCE.

Driving with expired OSAGO insurance - a fine of 800 rubles.

It is unnecessary to throw away an expired OSAGO policy, it may be required in the future to restore the KBM.

Penalty for driving outside the period of use

To be honest, I did not immediately understand what the point is. And it turns out everything is as simple as always.

Consider an example, you have issued an OSAGO policy for 1 year, with the period of using the vehicle from April to October, in the so-called summer season.

But it turned out that you had to drive in December. This will be driving outside the period of use.

In fact, it turns out that you have a policy (for a period of 1 year), but the period of use is from April to October.

Driving a car outside the period of use threatens you a fine of 500 rubles.

“Driving a vehicle during the period of its use, not covered by the insurance policy of compulsory civil liability insurance of vehicle owners

».

Not covered by insurance

“What is the fine if it is not included in the insurance” - many drivers are surprised, because in fact there is insurance, well, it is not included, yes, but the car is insured.

Alas, in Russia at the moment it is not the car that is insured, but the responsibility of the driver to other road users.

And if your car is driven by a driver who is not listed in the insurance, but he has a license, for example, your wife was driving you from friends or a friend was driving, then fine if not covered by insurance 500 rubles.

“Driving a vehicle in violation of the conditions provided for by this insurance policy for driving this vehicle only by the drivers specified in this insurance policy

- entails the imposition of an administrative fine in the amount of 500 rubles».

New fine for insurance 5000 rubles

Indeed, on June 19, 2019, a draft law was submitted to the State Duma by the parliament of the Kabardino-Balkarian Republic, according to which, if a person is repeatedly stopped and he does not have an OSAO policy, then The penalty for driving without insurance is proposed to be increased to 5,000 rubles.

They justified their proposal as follows:

Read the full text of the explanatory note to the bill

EXPLANATORY NOTE

to the draft federal law

"On Amendments to the Code of the Russian Federation

on administrative offenses"

The draft federal law "On Amendments to the Code of Administrative Offenses of the Russian Federation" was developed in order to encourage drivers (owners) of vehicles to fulfill their obligations for compulsory insurance of civil liability provided for by Federal Law No. 40-FZ of April 25, 2002 "On compulsory insurance of civil liability of vehicle owners” (hereinafter referred to as the OSAGO Law).

This bill was developed in order to protect the rights of citizens who, being participants in road accidents, being innocent of the accident and in the absence of a compulsory insurance policy for the culprit (hereinafter referred to as the OSAGO policy), find themselves in a position in which it is difficult and almost impossible to realize their the right to compensation for damage caused as a result of a traffic accident (hereinafter - RTA).

At the moment, the obligation to insure civil liability of vehicle owners is established by the OSAGO Law and is aimed primarily at protecting the rights of victims and compensating for harm caused to their life, health or property when using vehicles by other persons, i.e. in the event of a vehicle collision (RTA).

It is the presence of the OSAGO policy of the perpetrator of the incident that protects the victims in an accident and guarantees them the right to receive compensation for damage caused to the health or property of the victim, as well as the health of passengers, within the established liability limits of the insurer under OSAGO.

At the same time, the absence of an insurance policy from the perpetrator of the accident often violates the rights of the victim (victims), since in this case the perpetrator of the traffic accident must independently fully compensate for the damage in accordance with the provisions of the Civil Code of the Russian Federation, which the latter is not always able and intends to do.

In order to ensure the rights of victims to compensation for damage, the legislator introduced administrative responsibility for driving a vehicle without an OSAGO policy (part 2 of article 12.37 of the Code of Administrative Offenses of the Russian Federation (hereinafter referred to as the Code of Administrative Offenses of the Russian Federation), with the help of which it was planned to reduce cases of driving vehicles without these policies The specified article of the Code of Administrative Offenses of the Russian Federation provides for the imposition of an administrative fine in the amount of eight hundred rubles.

Meanwhile, according to official statistics, in 2017 the number of fines for driving without an OSAGO policy increased by 40 percent compared to 2016, which indicates a decrease in the number of people who insure their liability. According to the Russian Union of Motor Insurers, as of 2017, approximately 3 million motorists drive on roads without an OSAGO policy. This figure continues to grow.

The increase in the number of motorists driving vehicles without an OSAGO policy is due, firstly, to the relatively low amount of the fine, which is provided for by Part 2 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation (800 rubles, which can be reduced to 400 rubles if the fine is paid within the first 20 days), compared with the cost of the OSAGO policy, and secondly, with a relatively mild form of punishment - an administrative fine.

As a result, driving a vehicle without an OSAGO policy leads to the following:

- an increase in the number of accidents in which the culprit does not have an OSAGO policy, which leads to a violation of the rights of the victim to receive compensation;

— an increase in the number of lawsuits on claims for damages between the victim and the perpetrator of the accident. As a result, an increase in the work of the courts, as well as the bailiff service;

- an increase in the number of fines in the amount of 800 rubles for the same driver (400 rubles if the fine is paid within the first 20 days), who, despite being brought to administrative responsibility, are in no hurry to issue an OSAGO policy due to the “softness” of the administrative penalty;

- an increase in the number of accidents, the registration of which is impossible without the participation of authorized employees of the state traffic safety inspectorate, since it is mandatory for all parties to the accident to have an insurance policy for registration of the fact of an accident without their involvement. As a result, the volume of work of employees of the state traffic safety inspectorate, who could control traffic at a specified time, increases.

We consider it possible to solve this problem by adopting the proposed bill.

The addition of Article 12.37 of the Code of Administrative Offenses of the Russian Federation with a part providing for a more severe type of punishment for a repeated administrative offense will help increase the number of persons who insure their civil liability, and, accordingly, the number of cases in which victims will be limited in their rights to compensation for damage from an accident will decrease.

At the same time, the repeated commission of an administrative offense is the commission of an administrative offense during the period when a person is considered subjected to administrative punishment in accordance with Article 4.6 of the Code of Administrative Offenses of the Russian Federation.

At the same time, the bill introduces an addition to Part 1 of Article 23.3 of the Code of Administrative Offenses of the Russian Federation, which provides for empowering judges to consider cases of administrative offenses under the draft part, and clarifications to Part 2 of Article 12.3 of the Code of Administrative Offenses of the Russian Federation and parts 1 and 2 of Article 23.3 of the Code of Administrative Offenses of the Russian Federation.

The draft law has been finalized taking into account the comments indicated in the conclusion of the commission of the Council of Legislators of the Russian Federation under the Federal Assembly of the Russian Federation for the coordination of legislative activity and monitoring of legislation.

Are they there that they ate henbane?

How? How an increase in the size of the fine can improve the situation if you issue an OSAGO is like winning the lottery!

But, then it seems that they got it and on 10/22/2019, this bill was withdrawn from the State Duma of the Russian Federation.

Thus ended the epic with a fine for insurance of 5,000 rubles, otherwise our comrades had to go badly, very badly.

Penalty for driving without travel insurance

Both for organizations and individuals, the amount of the fine is the same. That's why:

a fine for the lack of OSAGO for legal entities - 800 rubles;
a fine for driving without insurance for the organization - 500 rubles.

Recall that driving without insurance is when you have a policy, but you forgot it at home (at work), and the absence of OSAGO is when the policy was not issued AT ALL!

The nuance of insurance for legal entities is that OSAGO is issued for corporate vehicles without restrictions, so that in the event of a driver's dismissal, each time the policy is not reissued.

But if an organization wishes to receive a discount for accident-free operation, i.e. in order for the insurance company to take into account the KBM, then it is necessary to enter each driver into it when issuing an OSAGO policy.

In this case, upon dismissal of the driver, you will need to go to the office of the insurance company and enter the new driver into the policy. Or you can enter the driver in the electronic OSAGO policy on the insurer's website.

How many times can you be fined for driving without insurance during the day

We are often asked how many times the traffic police inspector has the right to fine you during the day for lack of insurance.

Clause 5, Article 4.1 of the Code of Administrative Offenses of the Russian Federation “No one can bear administrative responsibility twice for the same administrative offense”

Full text of the article

Article 4.1. General rules for imposing an administrative penalty

1. An administrative penalty for committing an administrative offense shall be imposed within the limits established by law, providing for liability for this administrative offense, in accordance with this Code.

2. When imposing an administrative penalty on an individual, the nature of the administrative offense committed by him, the identity of the perpetrator, his property status, circumstances mitigating administrative responsibility, and circumstances aggravating administrative responsibility are taken into account.

2.1. When imposing an administrative penalty for committing administrative offenses in the field of legislation on narcotic drugs, psychotropic substances and their precursors to a person recognized as a drug addict or consuming narcotic drugs or psychotropic substances without a doctor's prescription or new potentially dangerous psychoactive substances, the judge may impose on such a person a duty undergo diagnostics, preventive measures, drug addiction treatment and (or) medical and (or) social rehabilitation in connection with the consumption of narcotic drugs or psychotropic substances without a doctor's prescription or new potentially dangerous psychoactive substances. Control over the fulfillment of such a duty is carried out by authorized federal executive bodies in the manner established by the Government of the Russian Federation.

2.2. In the presence of exceptional circumstances related to the nature of the committed administrative offense and its consequences, the personality and property status of the individual brought to administrative responsibility, the judge, body, official considering cases of administrative offenses or complaints, protests against decisions and (or) decisions on cases of administrative offenses, may impose a penalty in the form of an administrative fine in the amount of less than the minimum amount of the administrative fine provided for by the relevant article or part of the article of Section II of this Code, if the minimum amount of an administrative fine for citizens is not less than ten thousand rubles, and for officials - not less than fifty thousand rubles.

2.3. When imposing an administrative penalty in accordance with Part 2.2 of this Article, the amount of an administrative fine cannot be less than half of the minimum amount of an administrative fine provided for citizens or officials by the relevant article or part of an article of Section II of this Code.

3. When imposing an administrative penalty on a legal entity, the nature of the administrative offense committed by him, the property and financial status of the legal entity, circumstances mitigating administrative responsibility, and circumstances aggravating administrative responsibility are taken into account.

3.1. In the cases provided for by paragraph 3 of Article 28.6 of this Code, an administrative penalty is imposed in the form of an administrative fine. At the same time, the amount of the imposed administrative fine must be the smallest within the sanction of the applicable article or part of the article of section II of this Code, and in cases where the sanction of the applicable article or part of the article of section II of this Code provides for an administrative penalty in the form of deprivation of the right to drive vehicles or administrative arrest and there is no provision for an administrative penalty in the form of an administrative fine, an administrative penalty is imposed in the form of an administrative fine in the amount of five thousand rubles.

3.2. In the presence of exceptional circumstances related to the nature of the committed administrative offense and its consequences, the property and financial status of the legal entity held administratively liable, the judge, body, official considering cases of administrative offenses or complaints, protests against decisions and (or) decisions on cases of administrative offenses, may impose a penalty in the form of an administrative fine in the amount less than the minimum amount of the administrative fine provided for by the relevant article or part of the article of Section II of this Code, if the minimum amount of an administrative fine for legal entities is not less than one hundred thousand rubles.

3.3. When imposing an administrative penalty in accordance with Part 3.2 of this Article, the amount of an administrative fine may not be less than half of the minimum amount of an administrative fine provided for legal entities by the relevant Article or part of an Article of Section II of this Code.

4. The imposition of an administrative penalty does not release a person from the performance of the obligation, for the failure to fulfill which the administrative penalty was imposed.

5. No one can bear administrative responsibility twice for the same administrative offense.

Legal norms exclude the possibility of issuing 2 or more decisions on the imposition of an administrative penalty in the same case.

Those. if you were stopped by a traffic police inspector and issued a fine for lack of insurance, then this is a complete offense and you cannot be fined a second time for it.

But if you continued to move and after 10 km. You were stopped by a traffic police inspector and he writes out again a fine for driving without OSAGO insurance, then this is a new offense (another time, another place of the offense, etc.) and this can continue repeatedly!

Article 19. Grounds and procedure for prohibiting the operation of vehicles

1. It is prohibited to operate vehicles if they have technical malfunctions that pose a threat to road safety. The list of malfunctions of vehicles and the conditions under which their operation is prohibited are determined by the Government of the Russian Federation.

2. It is prohibited to operate vehicles whose owners have not fulfilled the obligation established by federal law to insure their civil liability.

2.1. The operation of vehicles by persons under the influence of alcohol, narcotic or other toxic intoxication is prohibited.

3. The prohibition of the operation of the vehicle is carried out by authorized officials.

Based on the foregoing, the actions of the traffic police officer in this situation are legitimate. And you urgently need to purchase an OSAGO policy!

If you have been fined for the lack of OSAGO and you do not agree with it, use a free legal consultation and get comprehensive answers to your questions.

How not to pay traffic police fines in full

I will say right away that It is legally possible not to pay traffic police fines in full. True, not all, but fines for insurance are among them.

Don't be afraid, you're not breaking any law and you won't get anything for it.

State to increase fees to the treasury, d dishonest payers were given a 50% discount on the payment of fines. Federal Law No. 437.

The only BUT!

You can pay a fine with a 50% discount within 20 days from the date of the decision on an administrative offense.

Note! Within 20 days from the date of the decision, and not from the date of the offense!

Payment of a fine at a discount must be made in advance, since it will take several days to complete the operation to credit the fine to the account.

AND if the money is credited within 21 days, the discount will be canceled and you will pay the fine in full.

Now, if you were stopped by a traffic police officer on the road and drew up a protocol on an administrative offense, then it is not difficult to track the beginning of the period in which you can pay a fine with a 50% discount.

What if the offense was recorded by a video recording camera?

There are only 2 pieces of advice here:

Register on the public services portal and link your phone number to your personal account. And in the future, all notifications of fines will come to your phone.
At least once every 10 days, check whether a fine has been issued to you or not on special services on the Internet. I would recommend doing this at the traffic police service.

And there is another little trick!

Since there have been difficulties with issuing an OSAGO policy for 2 years, traffic police inspectors are much more loyal to drivers without an OSAGO policy. And if you “don’t get into the bottle”, but just complain to him that such and such insurers do not want to sell insurance, like I’ve been stuck in an electronic queue for 3 days, but I had to go urgently, etc. etc., then in the end you can save at least 550 rubles on this.

Ask how? Yes, very simple. The inspector can write you a fine not for the lack of insurance AT ALL, but for driving without insurance, which is 500 rubles. instead of 800 rubles. And if you take advantage of the 50% discount, you will end up paying 250 rubles, not 800. Not bad, right?

Attention! This trick should not be abused. It works only because it is now difficult to buy an OSAGO policy.

REMEMBER! You buy OSAGO to insure your liability, and not to “get off” from a traffic police officer!

Sometimes a citizen is forced to travel by car without having the appropriate documentation confirming the fact that he has a compulsory insurance policy. In such a situation, it is important to know the limits of responsibility, clearly assess the situation, and understand the consequences. To do this, you need to figure out what is the sanction for driving without insurance today?

The legal norms, namely the Federal Law “On Compulsory Insurance of Civil Liability of Vehicle Owners”, states that every person driving a vehicle must be insured. In fact, contrary to many misconceptions, a person insures not a car, but personal liability.

This obligation applies to owners of all types of vehicles that are used in Russia. The only exceptions are objects that are directly indicated by law (for example, bicycles).

The liability of a person is insured, that is, in case of damage to the property of third parties, damage to life or health, the damage is compensated not from the personal funds of the perpetrator, but by the insured - the company with which the corresponding contract was concluded. For driving without insurance, the driver faces punishment under the KRFoAP.

Liability for lack of insurance

The legislator has established some sanctions for violating the requirements for the driver to have the appropriate documentation. However, the limits of liability may vary depending on the circumstances:

The actual lack of insurance (not issued at all).
The driver is not listed in the existing document (specific drivers are not required if a so-called “unrestricted” policy is used).
The contract is expired (it has expired).
OSAGO is not in the hands of the driver, but was issued in accordance with the requirements of the law.

It is from the actual situation that the limit of responsibility of the driver or owner of the vehicle will depend. In any case, driving without insurance has its consequences.

If the owner of the vehicle purchased the document via the Internet, then he is not required to have a printed version with him. Inspector in the database of the insurer.

Also, the car owner must remember that it is impossible to insure the vehicle in the absence of a technical inspection coupon. This document will be required both when drawing up a contract in the office, and when drawing up via the Internet.

Penalty for the actual absence of a policy

If there is no insurance at all, then the consequences arise on the basis of Article 12.37 of the Code of Administrative Offenses (second part). A fine for lack of insurance is imposed on the guilty person, which is equal to 800 rubles. Previously, until 2014, the lack of a document entailed an additional punishment - the car was subject to evacuation, state numbers were removed from it.

If the driver was not included in the policy

If, in fact, an OSAGO agreement exists, but the person who is driving someone else's car was not indicated in it, then it is subject to administrative liability in accordance with Article 12.37 (part 1). The penalty for driving without insurance in such a situation is 500 rubles.

The policy has expired

Before you determine how much you can drive with expired insurance, you need to understand the consequences of this act.

At the moment, the legislation does not contain the concept of an overdue document on OSAGO at all. In fact, driving with expired insurance is like driving without it. Accordingly, administrative responsibility comes, the size of the sanction will be eight hundred rubles.

In some cases, the contract is drawn up for a certain period of use. As a rule, the policy is issued for a year, but a certain period is indicated when the vehicle can be used. If the car (or other equipment) is used outside this period, then the citizen will have to pay a sanction in the amount of five hundred rubles.

The driver does not have a policy at the time of movement

If the document was nevertheless issued, but for some reason the person does not have it available during the movement, then the fine for such an act will be 500 rubles. However, the traffic police officer can issue a warning, the KRFoAP norm allows this.

Table of fines for lack of insurance in 2020

Type of violation	The amount of the fine in rubles
The document was issued, but the driver does not have it	Part 2, art. 12.3, 500 rubles either a warning
The policy was not issued	Part 2 12.37, 800 rubles
Insurance expired	Part 2 12.37, 800 rubles
The person moved by car outside the permitted period	Part 1 12.37, 500 rubles
The citizen is not listed as an insured person	Part 1 12.37, 500 rubles

It turns out that the fine for lack of insurance will vary from 500 to 800 rubles.

Can you pay less?

Having committed an offense for which a fine is provided, there is the possibility of some savings. At the same time, the “discount” is provided absolutely officially, regardless of whether the overdue insurance is paid or the fact of its absence during the movement. This innovation was included relatively recently and involves fifty percent within a period of not more than twenty days from the date of the fine.

Payment of half the amount of the fine is possible for all offenses related to the management of vehicles, with the exception of those expressly specified in the legislation.

What other sanctions can be applied?

Under the new rules, two types of sanctions can be applied for driving without insurance - a fine and a warning. The vehicle cannot be sent to the impound, this measure was canceled back in 2014. Also earlier, a ban on operation was imposed on the vehicle, which was also canceled.

At the same time, it is worth remembering that a warning can be issued only in one case - if the driver of the vehicle forgot to take a document with him, but he actually has it. However, in this case, the traffic police officer may impose a sanction in the amount of five hundred rubles on the guilty person, everything will depend on the specific circumstances.

Companies have long been talking about the need to increase the punishment for violating OSAGO rules. Despite numerous discussions on this issue, the punishment has not yet been increased and remains at the same level.

If a citizen became a participant in an accident, his guilt was established, and there is no document on OSAGO, then the injured person has the right to compensation for the damage incurred in a civil law manner. The guilty person shall compensate for the losses in the amount and on the terms established by the court.

Can you drive without insurance? Obviously not. The lack of a document confirming insurance, despite the reason, entails consequences. However, the reason may affect the size of the sanction. In any case, the driver is recommended to always have a valid CMTPL document or not to use the vehicle, because in the event of an accident, civil liability may be applied to it in the form of compensation for damage to the injured person.

Every year more and more drivers appear on the roads of Russia, neglecting the need to acquire an OSAGO policy. There are several reasons for this. For many Russians, the cost of insurance is high. There is also an economic crisis in the country. There is also a category of self-confident motorists who believe that they will never get into an accident. Another factor is the distrust of some citizens to the autocitizen because of the growing number of fake policies in the insurance market.

In general, all these factors lead to the fact that approximately every tenth driver does not have an OSAGO insurance policy. And this number is only growing every year. Why is this happening? A small fine for the lack of OSAGO insurance (500-800 rubles) also plays a stimulating role for this type of offense. So how much will a motorist have to pay in 2020 if he is caught on the road without a motor third party liability insurance policy?

800 rubles - a fine for driving without insurance in 2020

For 2020, the penalties for such a careless ride have not changed and amount to a sum of money in the amount of 800 rubles. This type of offense refers to administrative responsibility and is regulated by the Code of Administrative Offenses of the Russian Federation (KOAP RF).

The most interesting thing is that if the owner of the car and its driver are different people, then they will each pay a fine for themselves and the responsibility in this case will already be equal to 1600 rubles (part 2 of article 12.37 of the Code of Administrative Offenses of the Russian Federation). The first pays for non-registration. The second is for driving without insurance.

OSAGO without the entered data of the driver of the car - what is the fine?

Look, it seems that the owner of the car also has a policy, but if the person driving the car is not entered in it, and the insurance is not unlimited, then in this case, when the vehicle is stopped by the traffic police, the driver will pay a fine of 500 rubles for such a ride (h 1 article 12.37 of the Code of Administrative Offenses of the Russian Federation).

What is 500 rubles? – you will say with relief. Unfortunately, this is not all that a negligent motorist gets into. In this case, the traffic police officer has the right to remove him from driving, and put the car in a penalty parking lot. After that, not the driver, but the owner of the car, after paying the fine and the costs of storing and transporting the car to the impound lot, can pick up his car. In this case, the car owner is already on an amount somewhere in the region of 10,000 rubles.

So in such a case, saving on OSAGO can go sideways, and the total payment for such a ride without insurance can result in a sum of money ten times greater than the fine itself.

I just forgot the policy at home

Nothing surprising. It can happen to anyone! For example, I also got into this situation. What threatens you in such a case? We look at part 2 of Art. 12.3 of the Code of Administrative Offenses of the Russian Federation. This a fine of 500 rubles.

But if you have an electronic OSAGO, you cannot forget it, since it is virtual and its data is in the AIS RSA database. The traffic police officer will break through your data and independently determine whether you have insurance or you still get on a fine of 800 rubles with all the adverse effects described above.

Tow truck and removal of numbers if there is no policy - legal?

We open part 1 of Art. 27.13 of the Code of Administrative Offenses and we see that the traffic police does not have the right to evacuate the vehicle in the absence of an insurance policy.
We look at part 2 of Art. 27.13 Administrative Code of the Russian Federation - removal of license plates not provided for this type of offence. Until 2015, if anyone remembers, traffic police mercilessly removed license plates.

I have insurance but I didn't renew it

Many, out of forgetfulness, do not renew the insurance policy and carry paper in the glove compartment, the validity of which the plaintiff had a few days or even months ago. Will there be a fine in such a situation, because the SOAGO policy itself is available? What does the law tell us about this: an overdue document = its absence. For such an overconfident ride, a fine of 800 rubles is provided.

And if you do not have a driver's license - what will be the fine?

Lack of insurance is not as big an offense as not having a driver's license. If there is no right, a fine is due from 5,000 to 15,000 rubles with the evacuation of the car to the impound.

If the driver does not have a license due to their deprivation - the fine will already be 30,000 rubles, or arrest for 15 days is possible.

So the lack of third party liability insurance in comparison with these offenses is punished, of course, less severely. However, you should not take risks and neglect insurance of your civil liability. Otherwise, you will face adverse consequences not only in the form of an administrative fine, but also the possible evacuation of the vehicle.

In addition, if you get into an accident, you will not be able to reimburse the repair at the expense of the insurance company, even if you are not at all responsible for the accident.

Lawyer Gennady Efremov.

If you forgot OSAGO at home

The minimum fine for driving without insurance is forced to pay the most absent-minded drivers - those who forgot insurance at home; sh traffic in 2017 for such forgetfulness is only 500 rubles. This amount seems small (especially by the standards of modern automobile legislation) if you do not know the following: driving without OSAGO is a continuing administrative offense that ends only after the driver puts the policy in the car, and not after issuing a fine. In fact, this means that the driver during his trip can be issued receipts at least at every post. The excuse that the punishment has already been applied will not save in this case. The second fine for driving without insurance will be the same as the first.

Another important point for the driver: the motorist must be able to prove that his OSAGO policy exists in nature at all - if he fails, the punishment will be more severe. Evidence can be

Number of the insurance contract.
Insurance company data.
Contact details of a specific manager who dealt with motorist liability insurance.

If the insurance is expired

The motorist should understand: if he has an expired policy, he does not have a policy. Accordingly, the punishment for owners of overdue OSAGO is the same as for drivers who generally neglected to issue insurance. The fine for driving without insurance in 2017 is 800 rubles.

It is widely believed among motorists that OSAGO is valid for another 30 days after the expiration of the policy. However, this is a delusion: a similar rule existed, but it was canceled back in 2009.

It is permissible to drive without OSAGO only within 10 days from the date of purchase of the car. When establishing such an indulgence, the legislators proceeded from the fact that the car owner may simply not have time to prepare the documents necessary for issuing a policy. To avoid penalty during the 10-day period, the driver must present the vehicle purchase contract to the inspector requesting the policy.

Separately, it must be said about policyholders who issue policies not for the whole year, but for a certain period. Most often, this option is used by summer residents who use vehicles only to get to suburban areas - accordingly, the period of validity of their OSAGO captures the warm months. If a driver with such insurance is on the road in the middle of winter, he will also be issued a receipt - for 500 rubles.

What penalty for driving without OSAGO insurance is unlikely to be of interest to the driver who provoked the accident. The fine will be the lesser "evil" for him, because he will have to compensate for the cost of restoring the victim's car from his own wallet.

If a driver who is not insured is driving

A common situation: the owner of the vehicle drank and asked a friend to drive. This is also a violation: the fine for driving without entering into insurance will be 500 rubles, and the owner of the vehicle will be obliged to pay this amount. The punishment for a motorist will be more severe if his friend does not have a driver's license - with him or at all. Then you will have to pay another 3,000 rubles for the transfer of control of the vehicle to a person who does not have the right to do so.

Tip: if, on duty or for some other reason, other people often get into the “steering wheel” of your car, it is better to issue an OSAGO policy “without restrictions”. It will cost a little more, but you will be able to avoid administrative sanctions and wasting time on completing protocols and unpleasant communication with traffic police officers.

How else can they be punished for not having insurance?

In 2017, a motorist does not need to worry about the fact that if he does not have an OSAGO policy, traffic police inspectors will remove the numbers from his car and send the car to a car impound. This rather harsh measure was used earlier, but from November 15, 2014 it ceased to be lawful. If a traffic police officer threatens you with a tow truck, be sure that he is disingenuous.

The most serious punishment threatens the motorist who decided not to issue an OSAGO policy, but to fake it - how much is the fine for driving without insurance in this case? A forger caught by traffic police inspectors needs to think not about money at all, but about his freedom. According to Art. 327 of the Criminal Code, such a cunning person can be “put” behind bars for as much as 2 years. In addition, for the use of forgery, he faces an impressive fine - up to 80 thousand rubles.

If the driver was illegally issued a receipt for 800 rubles due to the fact that the inspector did not believe in the existence of the OSAGO policy, the driver can appeal against the actions of the traffic police officer by writing an application addressed to the head of the traffic police and supplementing it with a copy of the insurance. The fine will be reduced to 500 rubles. If punished rightfully, the motorist should not think about how to "get out". It’s better to focus on 2 more important things: firstly, on paying the receipt within a 20-day period - this will entitle you to a 50% discount, and secondly, on not getting caught driving without OSAGO henceforth, because legislators are preparing to adopt amendments to the Code of Administrative Offenses, according to which the fine will increase to 2,500 rubles.

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