Fine for lack of insurance 2021

Are cameras fined for compulsory motor liability insurance today?No. As of February 21, 2021, the innovation has not yet appeared. The launch of fines from cameras for lack of insurance is scheduled for March 1, 2021. By this time, the departments plan to “cleanse” the policy database of errors and avoid unlawful fines. But it is far from certain that this date will not be postponed either. The main problem and difficulty, according to the State Traffic Safety Inspectorate, is the setup and integration of databases of two important components for legislators to have such an opportunity: the State Traffic Safety Inspectorate database of car numbers, the RSA database for existing insurance policies. We will talk about how this will work below, but here we will only note that without combining or integrating these two databases, the cameras will not work in terms of checking compulsory motor liability insurance. Meanwhile, despite the abundance of constant postponements of the start of recording by cameras of the absence of a policy, the official response The Ministry of Internal Affairs, current as of February 21, 2021, is simple: Until the completion of the specified work [on merging databases - approx. ed.] law enforcement activities are not carried out automatically for the specified elements of an administrative offense. It will begin as soon as the information systems are technically ready. This is all you need to know about when the registration of lack of insurance among drivers will begin. That is, a specific date is not named. But let’s make a reservation once again that we are monitoring current information and will update the article when this changes.

New fine for driving without insurance of 5,000 rubles from January 1, 2019 - true or false?

No. Since January 1 of this year, not a single article or part of it in the Administrative Code has changed. No changes in traffic police fines occurred either on the 1st or in January 2021 at all. As of February 21, 2021, the fine for lack of an MTPL insurance policy is 800 rubles. We are not talking about any 5 thousand. Moreover, in the Code of Administrative Offenses today there are 2 punishment options: an 800 ruble fine, if the car is without insurance at all - you have not taken out a policy for your car and are driving without a contract, or if it is expired, which is equivalent absence, and 500 rubles if you are not included in the current OSAGO or use the vehicle outside the period of its seasonal use specified in the current policy. Both sanctions are provided for by Article 12.37 and, accordingly, its parts 1 and 2. Oh, yes, there is another part 2 of Article 12.3 of the Code of Administrative Offenses, which provides for a penalty of 500 rubles if you simply forgot to take with you paper compulsory motor liability insurance or a printout of it in the case of an electronic policy. Article 12.37 of the Code of Administrative Offenses: 1. Driving a vehicle during the period of its use, not provided for by the insurance policy of compulsory insurance of civil liability of vehicle owners, as well as driving a vehicle in violation of the conditions provided for by this insurance policy for driving this vehicle only by the drivers specified in this insurance policy shall entail the imposition of an administrative fine in the amount of five hundred rubles.2. Failure by the owner of a vehicle to fulfill the obligation established by federal law to insure his civil liability, as well as driving a vehicle if such compulsory insurance is known to be absent, shall entail the imposition of an administrative fine in the amount of eight hundred rubles.

How many times a day can you be fined if you don’t have car insurance?

At the moment, the traffic police is in charge of recording violations, drawing up a resolution, and therefore issuing a fine. As an experiment, electronic recording systems (cameras) were introduced, which does not yet imply actual fines, but at the time of publication of this material there was no information about the results of the experiment, the dates and possibilities of the final launch.

From officials, in the form of comments and statements, information is often received about the imminent introduction of an automatic verification system, but, we repeat, there is no specific data yet (although sometimes the very next dates are mentioned).

Accordingly, to answer the common question - do cameras fine you if you drive without an insurance policy? – you can use the phrase “not yet.”

Many sources provide false information on this matter. Referring to paragraph 5 of Article 4.1 of the Code of Administrative Offenses on the impossibility of double liability for the same administrative offense, they point out that the traffic police does not have the right to issue a new resolution for the lack of compulsory motor liability insurance for a car, if one was already issued earlier on the same day.

Unfortunately, this is not true. Driving a vehicle without compulsory motor liability insurance is prohibited, and the presence of a fine issued is not an analogue of taking out insurance - the policy did not exist at the time the resolution was drawn up, and there will not be after that.

We invite you to read: How to receive compensation under a VHI policy?

Moreover, it is enough for the car to move even a millimeter after the fine is issued, and it will be in a different place, which means a new violation, and new grounds for the fine. The number of decisions on the absence of compulsory motor liability insurance per day is not limited by law.

Punishment for driving a car without insurance in 2021

The concept of motor vehicle insurance appeared in Russia 15 years ago. Such insurance provides compensation for damages instead of the culprit of the accident to the persons affected by it. There are payment limits that are specified by the insurance company. If the damage is greater, the culprit pays the difference himself. The condition of payment is that the driver recorded in the document must be behind the wheel. The fine for not having a policy in 2021 remains at the same level - 800 rubles. But at the same time, traffic police inspectors can stop and fine the driver an unlimited number of times. When stopping a vehicle and at the request of a traffic inspector, the driver must present a valid policy on the insurer’s letterhead. Please note! If the document was made in an electronic copy, then the owner must have a printed copy in his hands. If the vehicle is not driven by the owner, then the inspector is obliged to check whether this person is included in the insurance for this particular car. The fine for driving without insurance is in situations where:

there is no insurance, it was not issued;
OSAGO is overdue, even if only for a day;
the owner presented false insurance;
the person driving is not indicated in the policy;
document for another car;
the owner claims that the document is there, but forgotten at home or lost.

All possible cases are specified by law and affect the amount of the fine. This amount is 500 rubles or 800. If there are conditions for receiving a 50% discount - 400 rubles if you pay the receipt 20 days in advance.

What actions to take if you receive a fine?

Many drivers are afraid that their car will be towed to the impound lot. However, in 2021, such penalties will not apply. Until 2014, an employee had the right to confiscate registration numbers for lack of insurance. However, at the moment this measure has also been abolished.

Related article: Fine for a driver not included in the insurance in 2019

In fact, for not having a policy, the driver only receives a fine. However, the number of protocols is unlimited. It is not recommended to get into the car and continue driving, otherwise the driver may be fined again at the next checkpoint. He needs to get out of the car and go home by other means of transport to pick up compulsory motor insurance (if he has one) or call a tow truck to move the vehicle to the parking lot.

After receiving a fine, it is recommended to pay it as soon as possible. This will allow you to get a government discount and save money.

New rules

Since the cost of compulsory motor liability insurance policy is constantly growing, many motorists prefer not to insure themselves. The amount of sanctions is much less than the price for the insurance itself. In 2021, drastic changes may come that will encourage drivers to think about taking out a policy. There are several of them:

The absence of compulsory motor liability insurance will be checked not only by inspectors, but also by cameras on the roads. So far, this has been done as a pilot project in the capital region. The driver will receive notification of the fine issued by mail.
Since the number of accidents with drivers who do not have a policy has increased 1.5 times, a bill has been introduced to the State Duma, according to which the amount of the fine will increase significantly. Lawmakers propose raising sanctions to 5,000 rubles.

Similar bills have already been submitted to the Duma, but were rejected. Now the statistics are not in favor of motorists and the chances that the sanctions will increase are very significant.

With such changes, paying for an MTPL policy will become more profitable than paying receipts for its absence.

New-old toughening of punishment

In fact, there have already been several attempts to increase liability for driving without insurance:

the last time before this, in 2021, the head of the RSA proposed to increase the fine if the driver does not have MTPL insurance, from 800 to 8 thousand rubles - 10 times, but the proposal was not successful,
Previously, another deputy proposed raising the fine for driving without a policy to 2,500 rubles, citing the small increase by the fact that it would soon be possible to issue it on cameras that record traffic violations, but then the law was not adopted either.

But the Internet is replete with much more cases of attempts to pass a new law to increase the fine for the lack of compulsory motor liability insurance and, fortunately or unfortunately, most of them remain myths.

Who does not need to have a motor vehicle document

The traffic police fine for lack of insurance is not issued to the following categories:

owners of vehicles whose design maximum is no more than 20 km/h;
cars registered outside the Russian Federation, if there is a “green card”;
owners of trailers for passenger cars;
if the transport is not considered wheeled (tracked, half-tracked, sleigh).

Note! Insurance is not important for organizations that have military types of equipment and machines on their balance sheet that work for the RF Armed Forces.

Liability for driving without insurance (left at home)

If there is a compulsory motor liability insurance document, but the owner is unable to provide it because he forgot it at home, the sanctions will be minimal. In this situation, the driver will have to convince the road inspector that there is compulsory motor liability insurance. To do this you can present:

insurance contract number, if the owner remembers it;
name and coordinates of the insurance organization;
contact phone number of the policyholder so that he can confirm the availability of the vehicle title.

According to Article 12.3 Part 2 of the Administrative Code, sanctions do not exceed 500 rubles. If the traffic police officer issued the maximum penalty, the driver has the right to appeal the inspector’s decision. When filing a complaint, it is important to present a copy or original of the motor vehicle license and then the amount of the fine will be changed from 800 rubles to 500. Please note! The fine is imposed for all episodes. How many times a driver is stopped by a traffic police officer per day, so many receipts will be issued. Therefore, it is recommended to carry a valid MTPL policy along with other documents for the car. Additionally, it is recommended to make a copy. Please note! Sanctions for driving during a period not specified in the MTPL policy If the owner applies for a motor vehicle license only for a limited time, then he can drive his car only during this period. Art. 12.37 Part 1 of the Code of Administrative Offenses specifies sanctions in the amount of 500 rubles.

Fine for false insurance

Many motorists try to save money by purchasing policies from dubious institutions. This is a very risky process. After all, theft of MTPL forms is not uncommon, and each document has its own number. In this case, insurance companies transmit information about lost forms to the relevant authorities.

If it turns out that your policy was issued on such a document, it will be considered falsified. In this situation, at best, you face a fine. At the same time, it is almost impossible to prove your innocence.

Helpful advice: take out a compulsory motor liability insurance policy only from trusted insurance companies. This way you can avoid many unpleasant moments. At the same time, the authenticity of the documents will not raise doubts.

Penalty for an expired document or its absence

The fine for lack of MTPL insurance is maximum. If the owner has an expired document in the glove compartment, in fact there is no compulsory motor liability insurance. This type of punishment is regulated by Art. 12.37 part 2 of the Administrative Code. The amount of monetary losses will be 800 rubles for each episode. Please note! Some motorists are confident that after the expiration of the compulsory motor liability insurance policy, they can drive a car for 30 days and will not be in any danger. But this rule has ceased to apply since 2009. Receipts will not be issued to those who recently purchased a vehicle. They are allowed to travel without an insurance document for 10 days. This period is given for completing all documents. As confirmation, you need to show the employee the purchase and sale paper.

How much is the fine for not having insurance?

In Ukraine, administrative punishment is characterized by relative loyalty. In many cases, police may limit themselves to a warning. In more developed countries the situation is more complicated. Thus, in EU countries the fine for driving without insurance ranges from 300 euros or more. In this case, the punishment may not be limited to a financial penalty - often for such a violation the right to drive a car is deprived.

So, what is the fine for lack of insurance this year in Ukraine:

450 UAH – if you have a policy, but the driver forgot it at home (you can persuade the inspector to limit himself to a warning);
850 UAH - such a fine threatens in two cases, if the policy is missing (not issued at all) or if the driver presents an expired document.

Please note: ignorance of the law does not exempt you from responsibility! Therefore, when purchasing a car, it is important to consider all aspects of the legality of driving it. This also applies to having a full set of documents, including insurance.

It is worth remembering that the fine must be paid within 15 days from the date of receipt. If for some reason you do not meet this deadline, the amount of the penalty is automatically doubled. Such a sanction is prescribed at the legislative level: Art. 130, part 1-4.

To fine or not to fine for transit numbers?

Many car enthusiasts believe that only a purchased car can be driven without insurance until registration. In fact, the absence of a policy is unacceptable. After all, a car is a source of increased danger. Therefore, liability insurance must be taken out on the day of purchase.

If the car registration will be carried out in another city, it is important to issue a temporary policy for 10-15 days. This time is enough to move the car and register it. There are 3 types of such policies:

for unregistered vehicles, for the period prior to registration;
for vehicles that are registered for a certain time - the policy is issued before permanent registration;
if the car is registered in another state that does not participate in the Green Card program, you should issue an MTPL for the period of stay on the territory of Ukraine.

The main thing is not to forget that even a brand new car that has just left the showroom needs to quickly issue an MTPL policy. After all, even the slightest traffic violation will lead to a double fine: for non-compliance with the rules and for lack of insurance.

About MTPL for foreigners in Ukraine

Having insurance is mandatory. But some foreigners come from Green Card countries. In this case, they may not issue a Ukrainian policy. In the event of an accident, it will be enough for them to present the Green Card insurance.

If a foreigner does not have such a policy, then registration of compulsory motor liability insurance is mandatory. If he does not have insurance, he faces a fine.

OSAGO policy is not a tax, but insurance protection

The benefits of compulsory insurance are invaluable. It is worth remembering the recent past, when due to an accident it was necessary to sell property in order to pay compensation to the victims. With MTPL, everything is different. Insurance companies pay for the damage caused.

Today, the payment limits for compulsory motor third party liability insurance are:

100,000 UAH – for compensation of material damage;
UAH 200,000 – compensation for physical damage;
up to UAH 50,000 – during settlement under the European protocol.

With MTPL you can easily avoid significant financial costs, because anything can happen on the road. You also won’t have to pay a fine for lack of insurance – in 2021 its amount is quite high.

OSAGO authentication

Some motorists are guilty of using fake policies. Some people buy forms, others simply print them out. Before you commit such stupidity, you should realize that it is illegal. It is also important to remember that falsifying documentation can amount to fraud, which entails criminal liability.

A strong argument against falsifying an MTPL policy is the ease of data verification. After all, according to Art. 56 on “Information Interaction” from the Law “On Compulsory Motor Liability Insurance”, government agencies (Ministry of Internal Affairs and MTIBU) exchange information with insurance companies. Therefore, it is enough for police officers to submit a request to the relevant authorities to prove your guilt.

Good to know: data exchange is based on the principle of confidentiality. Therefore, such a procedure does not require a court decision and does not violate your rights.

The driver is not included in the OSAGO policy

If a motorist puts a stranger, friend, or relative behind the wheel, then they must be included in the policy. It is better to have insurance without restrictions on driving. Then it doesn’t matter who controls. According to Article 12.3 Part 1 of the Code of Administrative Offenses of the Russian Federation, the sanctions are 500 rubles. But this is only if the driver has a license. Otherwise, a fine is added for transferring driving to persons who cannot drive the vehicle, and then the fine increases sharply to 3,000 rubles. If a friend driving, not included in the policy, has an accident, is the culprit, violated traffic rules, then problems may arise with payments under the policy. The company will pay for the damage, and then collect this money from the owner through the court. Please note! You can avoid punishment from a traffic police officer if the car owner is in the car with a person driving the vehicle. What happens if there is no insurance for the car? Monetary punishment. But this is not the most dangerous thing. If a citizen gets into an accident, the victim will have to pay money out of his own pocket. Now the punishment is considered minimal, but will soon increase to 5,000 rubles per episode. ATTENTION! Due to recent changes in legislation, the information in this article may be out of date! Our lawyer will advise you free of charge - write in the form below., ,

Cases of exemption from liability if there is no compulsory motor liability insurance

Removal of liability for driving a car without compulsory motor liability insurance is possible in cases of appealing the decision and making a decision in favor of the driver. There is also a rarely used “warning” option, implied by Part 1 of Article 12.3 of the Code of Administrative Offenses of the Russian Federation. In other cases, the amount of the fine for not having an MTPL policy must be paid, or be subject to sanctions for unpaid fines.

It is no coincidence that the policy is called “mandatory”. In the vast majority of cases, its presence is necessary. However, the laws also contain a list of vehicles that are not subject to the obligation to have this type of insurance (Article 4 of Federal Law No. 40):

Driving a vehicle with foreign registration and holding a Green Card.
If 10 days have not passed since the acquisition of ownership of the car (during this period, the new owner must acquire compulsory motor liability insurance).
If the maximum possible (design) speed of the vehicle does not exceed 20 km/h.
If the car is not subject to mandatory state registration. registration and/or not used for road traffic.
Equipment of the Armed Forces of the Russian Federation (except for those used for household needs).
Trailers for cars.
Vehicles on tracked (half-track), sleigh or other non-wheeled propulsion systems.

This also includes the type of compulsory motor liability insurance that involves insuring any person driving this car.

We hope you now know what the punishment is for driving an uninsured car. Obviously, a compulsory insurance policy is necessary in the vast majority of cases. Fines for not having MTPL insurance can reach 800 rubles for each recorded fact. The introduction of an automated verification system is expected.

In any case, if the resolution is incorrectly drawn up, it can be challenged. An MTPL lawyer will help with this; your first contact can be made free of charge. To do this, it is enough to describe the situation using the form below, and one of the specialists will respond, describing the approximate possibilities of a particular case. Then you can decide whether to continue cooperation.