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

Any driver knows that among othersdocuments 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 insurance is compulsoryinsurance, which means that the driver in any case must have this type of insurance. The policy implies liability insurance. It turns out that by executing this contract, 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 insurance OSAGO, the driver shouldto know what the Euro-protocol is, how and when it can be issued, MSC, or bonus-malus ratio, and the basic rules for its calculation, 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

OSAGO 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 carry a paper document of OSAGO. Even if the policy was purchased via the Internet, the car owner must print it and carry it with him.

If a DPS officer stopped you when youforgot the insurance at home or did not open it, you will still bear the punishment. 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 your mobile phone fromInternet, go to your e-mail and show the policy sent to you from the insurance company. If this is not possible, you will have to go home for insurance.

The driver is not inscribed in OSAGO

To driving a motor vehicleOnly persons who are inscribed in the contract (if it is with a limited list of persons) are allowed. In the event that when a vehicle stopped by a traffic police officer, a person who is not in the list on the policy was driving a car, 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 forvehicles 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, road traffic can occurincident. In this case, no matter how violated the participant is, the same penalty is waiting for him, what punishment for riding without insurance is usually supposed. 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 paymonetary compensation to the victim from own means. Arrived at the scene of a traffic police officer must note the fact that the car does not have OSAGO. In order to calculate the losses incurred, an independent expert is invited.

Of course, in this situation the most profitableoption is to solve the financial issue 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 culprit has a MTPL policy, and the injured party does not have it, the UK must pay. However, for lack of insurance, he still has to pay.

Mitigation of Punishment (2014)

Until 2014, inspectors had the right to removeState 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, despite the fact that the penalty for driving without MTPLis small, you need to take care of the insurance in advance. At present, this procedure has not been bypassed. On the one hand, payments to insurers increased, and on the other - insurers were 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 wait for a considerable amount of fine.

Other changes concerned that technicalThe car must be inspected 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.