Every person who owns a car must know the traffic rules so as not to violate the law. This prevents the need to pay various fines. In this case, it is required to buy OSAGO on any car. Such insurance is required even with CASCO. If there is no compulsory policy, then a significant fine is imposed for insurance. It can be prescribed several times a day. Another negative consequence is that if the car owner gets into an accident and is not the culprit, he will have to indemnify the second party to the accident for his own money.
What is the fine in 2018?
Various administrative violations by car owners are often punished with fines. A fine for driving without insurance is issued by traffic inspectors who, after stopping the car, find out that the driver does not have a policy with him. A citizen can simply forget the document, and insurance can be overdue or temporary.
The main purpose of OSAGO is to protect the civil liability of the driver, so if he becomes the culprit of the accident, then it is the insurance company that must compensate for the damage caused to another participant in the accident.
Insurance must be issued within 10 days after the purchase of the car or the expiration of the previous policy. If this process is not completed, then new fines for insurance are assigned in 2018, which are at least 500 rubles. If you pay fines promptly, you will receive a 50% discount.
Legislative regulation
The need for an insurance policy is indicated in several legislative acts. This information is contained in:
- Traffic rules;
- Federal Law No. 40;
- KoAPe.
In Federal Law No. 40, it is indicated who should buy the insurance policy, as well as what responsibility is assigned for the absence of this document. It is indicated that a fine for insurance can be levied several times if a person continues to move by car without a policy, and he is stopped at different times by various traffic police officers.
Who can not buy insurance?
There are certain exceptions, so some car owners may not buy the policy. These include situations:
- driving a vehicle that moves at speeds up to 20 km / h;
- the presence of a machine that is not allowed for use in the Russian Federation;
- the use of military vehicles on the balance sheet for the needs of the army;
- owners of a car registered in another country do not buy insurance if international insurance is available;
- owners of non-wheeled trailers or cars do not need a policy.
In the above situations, no penalty is given for the lack of insurance.
When are car inspectors fined?
Assigned punishment in different situations. You will certainly have to pay a fine for insurance in such cases:
- there is a policy, but the driver does not have it with him, since he can stay at home or even be kept only in electronic form, if originally issued on the insurance company's website;
- the owner uses the machine for a period not covered by insurance;
- completely missing policy;
- its term has expired;
- there is a fake document;
- the driver is not included in the insurance purchased for a particular car.
In each situation, the traffic inspector may act differently. If the driver can really prove that he has a document, then he can avoid the penalty for insurance of compulsory motor liability insurance, so the traffic police will only issue a warning.
No driver policy
In such a situation, driving is not permitted at all. The exception will be the case when 10 days have not passed since the purchase of the car, so the new owner simply did not have time to draw up a document. Then he can present a contract of sale to the traffic inspector, so a fine for insurance will not be applied to him. If the car inspector stops the car, he will definitely ask if the driver of the TCP has a driver’s license and an insurance policy. If the last document is missing, then a fine is imposed for the absence of insurance in the amount of 800 rubles under Art. 12.37 h. 2 Administrative Code.
What if the driver forgot the document at home?
There are frequent situations when a person, going to work or to another place, simply forgets important documents at home. What is the penalty for driving without insurance if a valid policy is available, but the driver does not have it with him? Under such conditions, under Art. 12.3 h. 2 Administrative Code shall be punished by a fine of 500 rubles. Often car inspectors meet, therefore, they give the opportunity to bring a document or wait for relatives to provide a policy. In such situations, a warning is usually issued.
If the driver himself does not want to pay a fine, he may refuse to sign the decision. In this case, he must indicate in the protocol that he has a policy, so he should not be punished for his absence. We’ll have to attend the court session and prove that indeed at the time the driver was stopped by the traffic inspector, he had an insurance policy at home, and the traffic police did not want to wait until the citizen’s relatives brought the document.
Overdue penalty
Insurance is issued for a year, after which it is required to renew it. Often, drivers simply forget that they already have an expired policy that does not protect the car owner from numerous risks. Often, a citizen learns that the policy is past due, directly from the traffic police. When examining a document, a traffic inspector may see that its validity period has expired. The penalty for overdue insurance is 800 rubles, as this situation equates to the fact that the car owner simply does not have a car insurance policy.
If it is revealed that the document is invalid, the car owner must urgently contact the insurance company to renew it. If he continues to move, and at the same time he is again stopped by the traffic inspector, then a fine will be imposed for overdue insurance. Therefore, you should not delay the process of completing this document.
The driver is not insured
A situation where a car is driven by a person who is not included in the insurance policy is considered to be quite frequent. He may be a relative or acquaintance of the immediate owner of the car. Even if the owner of the car is also in the cabin, a penalty is imposed for the driver not included in the insurance. It is equal to 800 rubles, and in case of an accident it will not work to use the policy to obtain compensation for the injured party.
If there is only one driver in the car who is not indicated in the insurance, then he can be detained by a traffic inspector. This is because there is a possibility that the car thief is driving.
Is a penalty imposed based on data obtained using road cameras?
It is planned by the end of 2018 to introduce a universally unique innovation, which assumes that car owners will receive receipts for road insurance cameras in Russia to pay for their insurance cameras. This becomes possible if special fixation complexes are combined with the bases of insurance companies. If the movement of a car for which the insurance policy was not issued in a timely manner was recorded on the camera, this will lead to the car owner receiving a receipt. In real time it will be possible to track violators. It is assumed that such an innovation will positively affect the responsibility of drivers.
What is the penalty for a fake policy?
Punishment under such conditions depends on two factors:
- the owner of the car himself could forge a document so as not to pay money for this policy and not pay fines;
- the car owner may be the victim of fraudsters who sold him a fake.
Under such conditions, initially the traffic inspector writes a fine for driving without insurance, since fake documentation is equivalent to a lack of insurance policy. Next, a case is opened on the basis of which the driver can be held administratively or criminally liable if he independently produces false documents.
For this, the provisions of Art. 327 of the Criminal Code. Under this article, even the punishment in the form of a real term of imprisonment may be applied. But in judicial practice, it is almost impossible to prove that the driver is really a fraud.
Punishment for using the machine in the wrong periods
Often, insurance is purchased only for the season. For example, often car owners are afraid to use the car in the winter, because they do not know how to cope with drifts or are simply afraid to drive the car when driving on a snowy road. To save money, it is important for them to buy a seasonal OSAGO policy, which provides that you can use the car only in the summer, spring and autumn. If for some reason the car owner drives the car at the wrong time, he will have to pay the traffic police fine for insurance. In this case, 500 rubles is transferred.
Can I be charged multiple times?
If, after the initial sentence has been imposed, a person continues to drive, they can be fined again. This is due to the fact that the driver continues to control the vehicle, it is stopped by the traffic inspector in another place and at another time, so a new offense is committed. A repeated insurance penalty will be the same in size as the previous one. It is allowed to reduce the fee if you deposit funds within 20 days after receiving a receipt from the traffic inspector.
What penalties are applied to legal entities?
Typically, companies and entrepreneurs draw up for company vehicles not only CTP, but also DSAGO, which protects against more insurance claims. Without this policy, any corporate car cannot be used.
Each car listed in the company must be insured separately, but at the same time insurance companies can provide discounts for driving without accidents. For corporate cars, the same penalties are used as for private car owners.
Are rooms rented and cars evacuated?
If there is no compulsory motor third-party liability insurance for the driver of the car, then the penalty imposed by the removal of numbers cannot be applied to him under Federal Law No. 307. Additionally, the law does not provide for the ability to evacuate a car to a parking lot if there is no insurance policy. Therefore, the only sanction is a fine, which can be levied several times a day. Although the size of this payment is low, but still, each car owner must buy insurance. This is necessary for him personally, since if for any reason he becomes the culprit of the accident, he will not only have to repair his car on his own, but also compensate for the damage caused to another participant in the accident. If a repeated insurance penalty is imposed, then this significantly increases the amount that the car owner will have to pay.
How to check and pay fines?
To check for different fines, you can use the traffic police website or the State Service portal. You can use credit cards and the Internet to pay. You can also come to the branch of any bank or to the post office.
But not all banking institutions accept such payments. In this case, you will have to pay a commission, which can reach even 60 rubles. At the same time, a check confirming the deposit of funds will be provided, so it will not be possible to present any claims to the car owner about the lack of payment.
What if there is no policy?
If suddenly the car owner finds out that the document has expired or the document has been lost, then do not forget that if this information is revealed by the traffic inspector, the citizen will be held administratively liable. Therefore, under such conditions, it is desirable to perform the following steps:
- if the policy was simply left at home, then you must immediately return and pick up the document;
- if it has expired, it is advisable not to use the machine until the insurance is renewed, moreover, you can often perform this procedure on the website of the insurance company, so you don’t even need to leave the house;
- if you need to regularly transfer the car to other people, and so that there is no need to spend a lot of time writing people in a document, it is advisable to initially open an insurance policy that suggests that unauthorized persons can use the machine, and at the same time they will not be held liable .
Almost every insurance company allows citizens to issue a policy on the site. To do this, you just need to enter the following information: gender, age, full name, driving experience and other important parameters. This will make it possible to make the correct calculation of insurance. After that, the policy is paid. It is provided electronically. It should be printed out, if necessary, presented to the traffic police. The process of applying for a policy does not take much time and does not require significant investment.
Thus, each car owner must know what the penalty for driving without insurance is set by traffic inspectors. It depends on whether there is a valid or expired document. The situation is considered especially difficult if the policy is a fake, since the owner of the car under such conditions can be prosecuted. Therefore, it is advisable to initially contact only trusted and large insurance companies, as well as regularly monitor the validity of the insurance and check the availability of the document before leaving the house.