Each owner of a car should worry about the timely production of documents for his personal property. Otherwise, he will have to face certain sanctions. For example, for the lack of compulsory motor liability insurance. What will happen if I do not get insurance on time? And is it possible to travel without an appropriate policy for some time? Answers to these questions and not only will be presented below. The information will be useful to each potential and real owner of the vehicle.
Possible situations
Is there a penalty for the lack of compulsory motor third-party liability insurance in Russia or not? In general, such a sanction is imposed on a person, but not always. Moreover, the amount of payment will vary depending on the situation.
In practice, the following scenarios are possible:
- there is no policy at all;
- the document is forgotten;
- insurance expired;
- a citizen is not included in the insurance policy.
These are the most common life situations. What to expect in a particular case?
The right to ride without a policy
The penalty for the lack of insurance for compulsory motor third-party liability insurance is far from always the case. Recently purchased vehicles can be driven without this document.
Riding without insurance is permissible for 10 days, counted from the moment of transfer of ownership of movable property. After this period, you will have to draw up a policy, as well as register the car with authorized bodies.
Forgetful drivers
Will a penalty be imposed for the absence of an insurance policy if the document is executed, but for one reason or another it is forgotten? Yes, but not always.
According to the law, in this case the driver can be given a warning. The penalty also takes place. It is 500 rubles.
To get off the warning, it is necessary to present the missing traffic insurance to the traffic police officer. For example, asking him to wait until the driver under his own power reaches the place where OSAGO was forgotten. The help of third parties is also allowed - friends, relatives and just those whom you can trust. Relevant citizens must bring a forgotten document to the scene.
Complete absence
What will result in the absence of compulsory motor third-party liability insurance? A fine of an administrative nature. But how much to pay under certain circumstances?
The next situation is a complete lack of insurance. Suppose a citizen just drives without compulsory motor third-party liability insurance, despite the long-standing acquisition of a vehicle. What threatens the negligent owner of the car if he is stopped by traffic police?
As already mentioned, you will need to pay a fine. In the absence of compulsory motor third-party liability insurance, in principle, the payment will amount to 800 rubles. No more, no less. There is no way to avoid such a sanction.
Overdue document
Unfortunately, insurance has a validity period. What will happen if it expires, and the citizen still continues to sit behind the wheel of the vehicle from time to time?
In this case, law enforcement officials will assume that the car owner does not have insurance. So, the offender will be fined for the lack of mandatory insurance in principle. This is due to the fact that expired documents are equated by law to their complete lack of.
No in the policy
A penalty for the lack of compulsory motor third-party liability insurance is also issued if the driver is not included in the insurance. But how much should be given to the state? And can you not pay?
Refuse or avoid the appropriate sanction does not work. For the lack of driver information in the insurance, you must pay eight hundred rubles.
About discounts
It is worth paying attention to the fact that with the timely and quick payment of administrative fines for HIDD, a significant discount is offered to citizens. It is 50% of the payment amount. In our case, you can count on the use of the appropriate bonus if the penalty for the absence of mandatory motor third-party liability insurance is issued for the first time.
To take advantage of the discount on the traffic police fine, you must make a payment within 20 days from the date of the relevant decision. It is necessary that the funds be credited to the state treasury during the specified period. Otherwise, you will have to pay the fine in full.
The duration of the fine
The studied sanction has a so-called statute of limitations. As soon as it expires, the penalty payment “burns out”. So, the penalty for the lack of compulsory motor third-party liability insurance will not be paid.
The prescription of penalties for violation of traffic rules is 24 months. The countdown starts from the very beginning if the place of residence of the debtor was discovered or the property of a citizen was discovered.
What is the danger of delay
Some people intentionally do not pay traffic police fines. In this case, you will have to face additional sanctions. They begin after the time allotted for the voluntary payment of the fine of the traffic police. It is limited to 60 days.
If the fine is delayed, the citizen faces:
- interest for each day of delay;
- a ban on leaving Russia;
- seizure of property;
- blocking bank accounts and cards.
Usually, the last 3 sanctions are applied when accumulating debt in the amount of ten thousand rubles or more. And the penalty is charged starting from the 61st day from the date of issuing the fine.