Fine for lack of MTPL insurance from November 1, 2021

What is a compulsory motor liability insurance policy for a car?

OSAGO is a mandatory policy that insures the civil liability of its owner. You should pay special attention to this and keep in mind that such a policy does not provide insurance for the property of its owner.

This means that compulsory motor liability insurance provides insurance payments only in cases where the culprit of the emergency is its owner. The injured party receives financial compensation, the insurance company assumes full responsibility for the payment, and the policy owner does not bear any expenses.

However, this only happens if at the time of the accident the driver has a compulsory motor liability insurance agreement concluded with an official insurer. It must be issued in the name of the person responsible for the accident and registered specifically for the vehicle that was involved in the accident. An alternative option is unlimited compulsory motor liability insurance, which also covers all expenses.

What is OSAGO?

OSAGO is a document that insures the civil liability of its owner. It must be remembered that this document does not insure the property of its owner.

It turns out that OSAGO pays insurance only when its owner became the initiator of the accident. In this situation, compensation is provided directly to the injured party, all payments fall on the shoulders of the insurers, and the owner of the compulsory motor liability insurance does not face material expenses.

But this option is possible when at the time of the accident the driver is the owner of the policy. OSAGO is issued in the name of the person responsible for the accident and is registered on the vehicle damaged in the accident. As an alternative, there is unlimited compulsory motor liability insurance, which covers absolutely all financial expenses.

What is contrary to the law and what are fines for?

It happens that the car owner cannot show a document confirming his insurance. Under some circumstances, he may get off with a warning, but in most cases, a fine will be levied for the lack of compulsory motor liability insurance. In 2021 it is provided for:

1. Lack of compulsory insurance or the presence of a policy purchased illegally.
2. Presentation of an expired insurance policy.
3. Presentation of an insurance policy issued in the name of another person or issued for another vehicle.
4. Not having an insurance contract with you.

It is important to remember that each of the above cases involves the payment of a specific penalty, which is absolutely legal.

What are they fined for?

There are times when the car owner, for some reason, is unable to provide insurance. Some circumstances provide for warnings, but usually the absence of compulsory motor liability insurance is punishable by a fine. In 2021, fines are provided for:

1. For the absence of an insurance policy or for an illegally purchased insurance policy.
2. For driving with invalid insurance.
3. Using a policy owned by another person.

For each of the above cases, the law provides for a specific fine amount, which corresponds to the norms of Russian legislation.

Amounts of fines for lack of compulsory motor liability insurance in 2021

According to current legislation, the absence of compulsory motor liability insurance is punishable by the following fines:

1. If the car owner does not have insurance at all, he is subject to a fine of 800 rubles. For timely payment within 20 days, a 50% discount is provided, and the fine in this case is 400 rubles.
2. If a driver has an expired MTPL policy or presents a document drawn up without taking into account legislative norms, he is subject to a sanction of 500 rubles.
3. If the car owner cannot present the requested document directly on the spot, he will be subject to a fine of 500 rubles. Another option provided for by law is an official warning.

It is important to note that all data above is current for 2021. However, according to official statements, no legislative changes are expected in 2021, and all penalties remain the same.

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What the law says

A few years ago, the cost of compulsory motor liability insurance increased significantly; this state of affairs provoked the fact that the majority of car owners in 2021 refused insurance services and began to subject themselves to fines for driving without insurance. To save money, it is possible to purchase OSAGO online on the Internet.

Rights of car owners and traffic police officers:

1. A traffic police officer may ask the car owner to present an insurance policy.
2. The policy must be kept by the car owner, and, if necessary, presented to the traffic police.

It turns out that the absence of compulsory motor liability insurance is a violation that involves fines.

What is the traffic police fine for a fake policy?

For such an offense the driver will lose 800 rubles. on the basis of part 2 of article 12.37 of the Administrative Code. If you come across a principled traffic police inspector who imposes a monetary penalty for lack of insurance, the violator will be prosecuted under Part 3 of Article 327 of the Criminal Code for forgery of documents, the punishment for which is more severe than the fine for lack of insurance in 2021.

According to statistics, 25% of all policies in Russia are fake, they are issued by insurance fraudsters.

If you are unlucky enough to become their victim, remember that in this case you will have to compensate for the damage yourself. Therefore, use the services of trusted companies that have been working in the insurance market for many years.

FINE FOR DRIVING WITHOUT MTPL FROM 5,000 TO 8,000 RUBLES

Representatives of the media, as well as Internet users who report such figures in fines for driving without a compulsory motor insurance policy, in no way confirm their words and cannot give adequate comments as to where exactly they got such figures from. It may happen that this news is not true, and is simply a fake that is now circulating on the Internet, and gullible drivers are afraid of such an increase in fines.

But it is already becoming clear from reliable sources that such changes will not be introduced, at least in November 2018. As representatives of the traffic police and the press secretariat of this service note, every year various scammers and the yellow press report an increase in fines in the fall, and this year was no exception.

Who can do without a car license?

It is necessary to highlight cases when a fine for lack of compulsory motor liability insurance for individuals is not issued.

This is possible under the following conditions:

1. When vehicles can travel at speeds up to 20 km/h.
2. The vehicle was purchased and registered abroad, but has a “green card”.
3. For owners of car trailers.
4. If the vehicle does not have a crawler, sled or half-track.

On a note! For military equipment in service with the Russian Armed Forces, insurance documents are not required.

Amount of fine for expired insurance

There are several types of circumstances that give rise to insurance violations. It is they who influence what fine will be issued for driving with expired insurance. Depending on the severity of the offender, the amount of the fine may vary up or down.

Code of Administrative Violations in Art. 12.37 regulates the following types of liability:

1. The minimum fine is 500 rubles. the driver pays if he uses the vehicle during a period not specified by insurance. For example, compulsory motor liability insurance was issued for the period from September to May, and the car was noticed on the road in the summer.
2. If there is a policy, but the driver using the car is not included in it, the fine is the same.
3. If the driver did not take the insurance with him and forgot it at home, the fine does not increase either.
4. If the policy expires and the driver continues to use the car, the fine increases to 800 rubles.
5. A similar fine must be paid if there is no insurance to begin with.

Accordingly, the amount of the fine can vary from 500 to 800 rubles. depending on the severity of the offense. A fine is issued only when the car is in use. If the car is just sitting in a garage or parked, there is no need for insurance.

Until 2014, driving with expired or missing insurance could be punishable by removal of license plates and towing of the car to a parking lot. This measure was abolished because it led to an increase in penalties. In addition to paying the issued fine, the driver was forced to pay for parking. Only after providing valid insurance could the vehicle be picked up.

Traffic police fine 2021, if not included in insurance

According to the current rules, the car owner must take care of entering information about the new driver into the current MTPL policy in the “approved to drive” column. This requirement is specified in Part 2 of Art. 16 Federal Law No. 40 “On OSAGO”.

What fine for driving a vehicle that is not yours is imposed on a person who is not included in the policy? Since this is a direct violation of the MTPL Insurance Rules (allowing a person not specified in the contract to drive their car) and an administrative offense, the violator is punishable by paying a fine of 500 rubles (based on Part 1 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation). It is also issued in the name of the driver driving someone else’s vehicle.

You can avoid punishment if you inform the insurer in time about the need to transfer the steering wheel to a person not yet specified in the limited insurance: new information will be entered when the policyholder personally contacts the company’s office (the basis of Part 3 of Article 16 of Federal Law No. 40 “On Compulsory Motor Liability Insurance”). Many insurers charge an additional fee for this service, in accordance with established rates and commensurate with the increased risk.

Article 16 of Federal Law No. 40 “On Compulsory Motor Liability Insurance”. Compulsory insurance for limited use of vehicles

3. During the period of validity of the compulsory insurance contract, which takes into account the limited use of the vehicle, the policyholder is obliged to immediately notify the insurer in writing about the transfer of control of the vehicle to drivers not indicated in the insurance policy as authorized to drive the vehicle, and (or) about an increase in the period its use beyond the period specified in the compulsory insurance contract. Upon receipt of such a message, the insurer makes appropriate changes to the insurance policy. In this case, the insurer has the right to demand payment of an additional insurance premium in accordance with insurance tariffs for compulsory insurance in proportion to the increase in risk.

If there was no opportunity to visit the office of the insurance company before an unexpected trip, the policyholder faces a fine.

What is the penalty for driving without insurance this year?

The requirement to obtain a “motor citizenship” was introduced in Russia about 15 years ago. The amount to be compensated was to pay off the damage that the culprit of the accident caused to another person. There are payment limits set by the state. The amounts to be collected for neglecting traffic rules also apply separately.

Important! According to the law, the fine for lack of insurance in 2021 is 800 rubles. The inspector has the right to slow down the violator any number of times. Even if detained again, a monetary penalty will be imposed in the amount specified by law.

When the detainee makes a trip in his own car and the policy is issued in his name, no problems arise. If a motorist is driving someone else’s car without the owner, then it is necessary to check whether the driver is included in the MTPL policy. Failure to register will result in a penalty of 500 rubles. Other grounds for issuing penalties include:

1. Driving without insurance when the document was not issued.
2. The OSAGO is expired or the owner forgot the document at home or lost it.
3. A forged document was presented.
4. The driver is not in the “motor citizen”.
5. Papers were presented for another car.

All of these cases are described in detail in the current legislation and affect the amount payable.

On a note! If a receipt has already been issued, you can reduce the amount by paying the debt through the State Services portal with a 50% discount.

Fine for lack of insurance 2021

There are many situations when it turns out that a driver is driving without insurance.
But they have individual characteristics. A car enthusiast may forget the policy at home, not notice that the insurance is expired, or not complete the paperwork at all. For each of these acts, administrative punishment is provided. Consultants of the website 33urista.ru will tell you what the State Traffic Safety Inspectorate does for lack of insurance. A fine can be issued not only for the fact that you do not have insurance, but also for the fact that you are not included in it.

The driver is required to have with him, in addition to other necessary documentation, a valid insurance policy on paper. If compulsory motor liability insurance was issued online, you will need to print out the electronic form and keep it nearby.

What is the penalty for forgotten insurance?

Part 2 of Article 12.3 of the Administrative Code for driving by an absent-minded driver established punishment in the form of a warning and a fine of 500 rubles.

A warning is issued in writing and contains a censure from the state for the offense committed. It is also considered to prevent more serious traffic violations.

This punishment is chosen by the inspector if the motorist is caught driving without a policy for the first time.

A fine is a one-time monetary penalty paid to the federal budget. Which type of punishment the traffic police officer will choose depends on the identity of the offender, the circumstances of the offense, etc. An administrative fine for lack of insurance in 2016 is applied when the culprit is caught for the second time.

In 2021, the traffic police in Moscow, Samara, Kazan and other cities launched a pilot project for automatic video recording of violations under Part 2 of Article 12.3 of the Administrative Code. You can avoid penalties if the inspector electronically requests the availability of a civil liability insurance agreement.

Once he is convinced of this, he will not apply a traffic police fine for lack of insurance and will let the person go in all four directions.