Let's try to figure out what driving without insurance can lead to, as well as what the penalty is if you forgot to renew your OSAGO policy or simply left it at home.

Penalty for driving without OSAGO insurance

This type of penalty applies when you have insurance, but you forgot it at home. It should be noted that in this situation, you have an OSAGO policy where you are entered, you just don’t have it with you. This type of violation falls under the second part of Article 12.3 of the Code of Administrative Offenses, and is punishable by a warning or a fine of 500 rubles. Not the worst option, but the traffic police may have a different opinion, and try to impose a fine on you for not having insurance, and that's a completely different story. Looking ahead a bit, the penalty for driving without insurance is the least of the evils, you just need to provide a valid policy and pay the fine.

Penalty for not having OSAGO insurance

Unlike a fine for driving without insurance, this violation falls under Article 12.37 Part 2 of the Code of Administrative Offenses of the Russian Federation, which, in addition to a fine of 800 rubles, also provides for the prohibition of operating the vehicle, and therefore the removal of numbers.

Penalty for driving a car during the period not specified in the OSAGO policy

This situation can occur when you issue an OSAGO for 3 or 6 months, instead of a standard annual policy. For example, the policy is issued for a year, and the period of use is 3 months, so if you drive a car during a period not specified in the policy, you may face the same situation as in the previous case. After all, according to part 1 of article 12.37 of the Code of Administrative Offenses, from January 1, 2013, the removal of numbers and a fine of 500 rubles are also provided.

Penalty for a driver not included in the insurance

If you plan to drive someone else's car, or transfer control of your own, for example, to a friend or relative, we recommend that you take care of entering the driver into the OSAGO insurance in advance, or take out insurance without restrictions. Of course, this procedure is not required if the OSAGO policy is issued without a limit on the number of drivers.

The punishment will again be in accordance with the first part of Article 12.37, that is, the removal of numbers and a fine of 500 rubles.

Late insurance fee

Just like the fine for lack of insurance, the absence of an extended OSAGO policy provides for the maximum penalty, in the form of removal of numbers and a fine of 800 rubles.

Driving without insurance, new rules when buying a car

By purchasing new car in a car dealership, you need to issue an OSAGO policy in advance in order to leave it, otherwise, you risk being fined for driving without insurance, which, according to the new rules, provides for a fine of 800 rubles.

Summing up, it becomes obvious that even an OSAGO policy left innocently at home can lead to unpleasant consequences, such as a fine for driving without insurance. It should not be forgotten that on the spot, this can be qualified as a lack of insurance, and lead to more serious consequences in the form of removal of numbers and detention of the car.

TOTAL

Thus, let's list the fines again, for each type of violation

• Penalty for driving without insurance

  (500 rubles)

• Penalty for not having insurance

  (800 rubles + room removal)

• Penalty for driving a car during a period not specified in the policy

  (500 rubles + room removal)

What is the penalty for driving without insurance in 2019? How to get insurance for favorable conditions for the driver? Assistance of a lawyer in registration.

Driving a car is a responsibility. It is not enough just to drive a car on the road, it is important to follow the rules of the road and at the same time not violate them. A prerequisite for buying a car today is registration insurance policy. It is worth knowing that there is a penalty for the lack of a policy, and you can find out from qualified specialists.

What is the penalty for driving without insurance in 2019, and under what circumstances is it charged

Most often, it happens that the driver, leaving the house, remembers on the way that the insurance policy for the car was left at home. Such inattention will threaten the driver with punishment, which is expressed cash payment, equal to 500 rubles, since the name of the driver is clearly spelled out in this policy, it is considered valid, but lies in the wrong place for it.

This is a relatively small punishment, the amount is not high, which to some extent relaxes drivers to be careful when collecting documents for a car when leaving home. In the second situation, if the driver drives a car, carries with him an insurance policy that has expired, he will have to pay 3 times the minimum fine.

Driving a car at a time where the OSAGO policy is not provided

Today, every driver is simply obliged to have information about what is the penalty for driving without insurance in 2019 he may be threatened, and he also knows that OSAGO is not concluded for longer than 1 year. If the car is rarely used and does not need the protection of the policy, then its validity may be reduced.

Of course, for the execution of this insurance policy, the owner of the car will have to pay an amount less than under standard circumstances. In most cases, summer residents who drive only in the summer are trying to use this function. Of course, a driver who is about to enter the road at the wrong time for his policy must remember what is the penalty for driving without insurance in 2019. When the policy is called not valid. The penalty is the minimum amount at 500 rubles.

The nuances of the pop policy OSAGO

One of the gross violations is driving a car with an expired policy. This practice is quite common, if you get caught with a violation, you can earn a fine of 800 rubles. Knowing what is the penalty for driving without insurance in 2019 threatens a driver who has no insurance at all, every motorist should. It is also equal to 800 rubles.

At the moment when a driver is not included in the current policy for a car, for example, who gets behind the wheel of not his own car, but someone else’s, then he must know what is the penalty for driving without insurance in 2019. For such a driver, the fine will also be minimal, only 500 rubles.

Help of a lawyer

There can be many nuances associated with car insurance policies, in order to figure out exactly how to avoid a fine, you need to seek the help of a lawyer.

Editor: Igor Reshetov

The OSAGO policy provides for the liability of the car owner in case of damage to property or health of third parties while driving. That is, not the car of the insured is insured, but his Civil responsibility. Unfortunately, this concept is not popular in our society. Since the presence of a policy is mandatory, let's look at what a penalty for the absence of OSAGO insurance threatens the car owner.

Over the years that have passed since the adoption of the law on OSAGO, an ambiguous attitude to this type of insurance has formed. They joke that laws are there to be broken. Let's look at the most common violations.

The most common types of violations associated with a compulsory insurance policy

1. OSAGO policy was not issued;
2. driving without insurance (forgot at home);
3. a driver not included in the policy is allowed to drive;
4. the period of insurance has expired;
5. the annual term of insurance has expired.

You have 10 days to register your vehicle. Most drivers prefer (and rightly so) to purchase an OSAGO policy immediately. In part, this is due to fears of penalties from the traffic police. And Article 12.37 of the Code of Administrative Offenses, paragraph 2, makes these fears justified. However Supreme Court The Russian Federation in its decision dated 17.04.2012 N AKPI-205 explains that driving a car within ten days from the date of its purchase is possible without OSAGO. That is, the traffic police does not have the right to fine for driving without insurance, but the culprit himself bears responsibility to the victims of an accident due to the fault of the newly minted car owner. If the policy was not issued within the allotted ten days - a fine of 800 rubles. If you pay the fine within 20 days from the date of signing the protocol, you will receive a 50% discount. The total amount of payment for a fine for lack of insurance is 400 rubles.

There is insurance, but I forgot it at home, in the garage, my wife washed it: the inspector will gladly refresh your memory with a receipt for 500 rubles.

Regardless of the motives for which you entrusted driving a car to a person not included in the policy, the traffic police inspector has the right to fine you 500 rubles.

The law on OSAGO gives the right, within the framework of an annual period, to conclude an agreement for the period you need, in which it is planned to use the vehicle. For example, you use a car from April to October, but suddenly a relative arrives in December and needs to be met at the station. Run into a fine of 500 rubles or take a taxi to the station.

The annual term of insurance has expired

Like winter, it happens suddenly. Like snow on your head. And this is a twofold increase in tariffs. Perhaps the car owner really overlooked this, although a good insurance agent will not let you forget about such a significant event, but if the annual policy period has ended and the traffic police inspector reminded you of this, then add another 800 rubles to the cost of the new policy.

News on the OSAGO policy market

After a significant rise in the price of motor vehicle insurance policies in the period 2014-2015, the insurance market has seen the emergence of fake OSAGO policies. The rise in price can be called an objective reason for the demand for fake forms. At the same time, there is a strong belief that OSAGO is “for traffic cops”. However, in 2016, the purchase of a "left" policy will become economically unprofitable. There are good reasons for this. One of them is that traffic police officers will be able to identify the authenticity of the policy through a dedicated channel. And this means that they will be fined as many times as they will check.

Fans of fakes caught in the field of view of the traffic police and insurance companies, when applying for an official policy, will pay more. This is due to the fact that if the car owner has not officially acquired insurance for more than a year, then in the PCA database he falls into the category of a novice driver, and the KBM will be assigned to him based on this, regardless of experience. This means that you run the risk of nullifying previously earned discounts.

New fines for OSAGO in 2016

From January 1, 2016, the traffic police will provide a 50% discount on certain fines, provided that they are paid within twenty days.

The exemption does not apply to gross violations of traffic rules:

1. driving a vehicle under the influence of alcohol or drugs;
2. repeated exit to the lane of oncoming traffic;
3. repeated passage to a prohibiting traffic light signal;
4. causing harm to the life and health of victims in violation of traffic rules;
5. other socially dangerous actions when driving a vehicle.

Driving without an OSAGO policy is not included in the list of violations that exclude a 50% discount, but it is necessary to finally realize that a car is, after all, a means of increased danger. The OSAGO policy is designed to compensate for material damage caused to life and health, and to protect the property interests of those affected by your negligence.

The penalty for driving without insurance is nothing compared to the problems that can arise in an accident due to your fault if you do not have an official policy.

Video: Checking the OSAGO policy. Does a traffic cop have the right to demand insurance?

The car owner is required to have an OSAGO policy - the presence of such a document guarantees that the victim in an accident provoked by the insured person will receive compensation.

This avoids disputes and litigation.

In 2016, some amendments were made to the legislation.

If the driver is not included in the CMTPL insurance policy, this is a serious administrative violation.

Read this article and find out what the penalty is if the driver is not included in the insurance.

The following classification of OSAGO insurance is important:

1. with restriction
2. Without Borders

A restricted policy assumes that there is a group of persons who have the right to drive a particular car. If the actual driver is not on the list, expect a fine.

Insurance without restrictions allows that any person with a driver's license can drive a car - no names are entered in such paper.

OSAGO policy without restrictions saves you a lot of fines, but it also costs much more.

The presence of insurance without restrictions is not the only case when it is allowed to drive a vehicle without being indicated in the OSAGO policy.

There are others:

1. The driver has recently purchased a car and the 10-day period for issuing the policy has not yet expired.
2. There is an agreement for the gratuitous use or rental of a car, drawn up in accordance with the paragraphs of Article 1079 of the Civil Code.
3. The vehicle is one of the exceptions listed in the Federal Law "On OSAGO". For example, an exception might be a car registered in a foreign country and insured under international system insurance.

If the driver is not insured

A typical situation: the owner of the car had a drink and allowed a friend to drive him home. In case of detection of such a violation, financial punishment follows. According to article 12 of the Code of Administrative Offenses, a driver who is not included in the insurance is obliged to pay a fine of 500 rubles. There was an increase: previously the fine for this violation was only 300 rubles.

Previously, as a punishment, a car was sent to a car impound, however, according to the new rules, any form of additional punishment (except for financial punishment) is prohibited.

How to avoid a fine?

If your friend, who is not included in the insurance policy, is driving the vehicle and you are stopped, you have a chance to issue a power of attorney by hand at an accelerated pace that does not require certification by a notary.

The power of attorney must include:

• Passport details of the person to whom the car is registered;
• Passport data confidant(for whom we draw up a power of attorney);
• A list of actions that are allowed to be done with the vehicle, in our case, to be behind the wheel;
• Vehicle registration data;
• Date of issue of the power of attorney (not older than 10 days) - it is better to leave this field blank and fill it out directly at the moment of stopping.

It will not be possible to indicate such a list of information in a minute and in a hurry, so we recommend that you prepare everything in advance, and not at the time of the stop by the traffic police. By law, the driver is obliged to insure liability within 10 days from the date of obtaining the right to drive a vehicle, in particular from the date of receipt of the power of attorney.

In the event of an accident due to the fault of a driver not included in the insurance policy, you will not only have to pay a fine, but also repair vehicles damaged as a result of the accident.

No insurance policy with you (forgotten)

For the left insurance policy in the apartment, office or in another place, you will have to pay a fine of 500 rubles. This violation is described in Art. 12.3 of the Code of Administrative Offenses Part 2. At the same time, the traffic police inspector has the right to equate the forgotten policy to the missing one, while not violating the law. In this case, the offense will be recorded in accordance with ST 12.37 of the Code of Administrative Offenses Part 2, and the amount of the fine will increase to 800 rubles.

If the traffic police officer does not go to the meeting, you have the right to supplement the protocol in writing with your disagreement with the fine due to the presence of the policy, adding that the policy simply was not with you at the time the inspector stopped.

However, in this case, you will have to personally come to the traffic police, this time not forgetting the insurance. Write an application with a request to revise the article in the direction of mitigating the fine, a copy of the insurance policy must be attached to this application.

Vehicle evacuation due to lack of insurance policy

Since 2016, the evacuation of vehicles to the impound due to the lack of an insurance policy has been canceled. Amendments introduced in 2016 provide for a maximum penalty for lack of insurance in the form of a fine, removal of numbers and detention of a car no longer applies.

Penalty for not having OSAGO insurance in a certain period

Many car owners prefer to purchase insurance for a certain season, for example, for winter and spring. The insurance policy is issued for a year, but is applicable only during the specified period (season).

If you are stopped during a period that is not covered by insurance, the fine will be 500 rubles.

Penalty for lack of OSAGO for legal entities

Legal entities have the right to issue OSAGO insurance for each car registered with the company. In addition, it is possible to draw up a DSAGO insurance policy, applicable in a much larger number of cases.

At the same time, if the driver does not have insurance with him, the punishment will be incurred not by the legal entity. person, namely the driver.

How often can you be fined for not having insurance?

Are they taking numbers now?

Previously, traffic police inspectors had the right to remove numbers from a car if the driver is not included in the insurance, thereby prohibiting the operation of the vehicle. On November 15, 2014, they lost this right. Now numbers can be removed only in cases of malfunction of the brake system, steering, and also if the inspection ticket is expired.

https://youtu.be/EhFH5CLBhi4

If the driver did not insure the car at all, then he threatens a fine - 800 rubles.

Moreover, if the owner and the driver are different people, then the responsibility falls on both, because according to Art. 12 of the Code of Administrative Offenses, a fine is paid not only for the lack of a policy, but also for driving a vehicle by a person who knew that there was no insurance.

The driver, however, can "get out" - if he convinces the inspector that he did not know about the lack of insurance.

However, in practice, crime is almost always accompanied by punishment.

Administrative Code does not see the difference between an expired and a missing policy, so the fine remains the same - 800 rubles.

However, clarification is required: some companies sell "incomplete" policies. The standard policy is valid for one year, while the "incomplete" policy is valid for only six months.

Such semi-annual policies - best option for summer residents who do not use vehicle during the cold season.

The penalty for an overdue "reduced" policy is less - 500 rubles (according to Article 12 of the Code of Administrative Offenses).

Even if the driver simply forgot to put the policy in the car, he is also responsible - you will have to pay 500 rubles for forgetfulness. A fine in this situation is not mandatory - the inspector may limit himself to a verbal warning if he decides that the offense does not pose a public danger.

The driver should be aware of the following nuances:

1. If he has already paid a fine for not having insurance at one post, this does not save him from the same fine at the second.
2. The policy must comply with current design standards. If there are no elements and signs required by law, this is equated to the absence of insurance at all, from which a fine of 800 rubles follows. That is why it is worth issuing an OSAGO policy only at the offices of well-known companies and avoiding transactions with sales agents.
3. If the policy is overdue by only a day, this is already the basis for a financial penalty.

The best solution to a situation where the driver is not included in the OSAGO policy is to purchase new insurance. The insurer may offer to write a new name on the current insurance, however, this operation also costs money.

In short, the fine for driving without OSAGO (just like for expired insurance) in 2017 is: