How much is a fine for driving without MTPL

All drivers know that a compulsory insurance policy must be issued for the car, which you need to have with you. If the law is violated, an administrative fine is imposed for driving without MTPL. Let's see what sanctions are for this.

OSAGO

The insurance policy of OSAGO is a contract that the car owner concluded with the insurance company. According to him, in the event of an accident, the car owner will be compensated for the damage caused by the accident. This type of insurance should be for all drivers. Therefore, in case of his absence, the car owner is obliged to pay a fine for driving without MTPL.

If several accidents are committed during the validity of one policy, the insurance company undertakes to reimburse each of them, since under the contract the number of accidents is not limited.

Thus, it turns out that both participants of an accident benefit from the policy. One driver protects himself from financial losses associated with the repair work of a motor vehicle, if he is the injured party in an accident. On the other hand, the culprit of the accident will also not compensate for the damage caused.

Nevertheless, despite the obvious advantages, there are many car owners who are going to various tricks.

Fake OSAGO

Due to the fact that the cost of the policy of compulsory motor TPL insurance has greatly increased, more recently there have been more and more fake documents. It is clear that both the manufacture and distribution, and the use of them is illegal. Responsibility for such actions comes both administrative and criminal.

However, more often the offender pays an administrative fine for driving without OSAGO. Criminal liability is for the manufacture, distribution and deliberate use of fake insurance. In spite of the fact that the overwhelming majority of counterfeit OSAGO is used by car owners intentionally, it is necessary to prove guilt for attraction under the relevant article. And to do this is either impossible or very difficult.

Accident

However, drivers who drive without MTPL or purchase a fake document risk not only that they are stopped by road patrol officers. The main thing is that if you get into an accident, the damage caused to a motor vehicle will have to be paid for by yourself.
Until recently, when policies were much cheaper, the damage to the injured party was repaid scanty. Of course, and now there are such cases. However, one way or another, an insurance company that has lowered the amount of insurance payment, you can seize the money necessary to restore the car.
Otherwise, you will have to pay a fine for driving without MTPL, and repair of the damaged vehicle. In addition, the traffic police will take note of the driver using a fake OSAGO policy.
Many drivers are interested in another question: will the damage be compensated in case of an accident if the driver in the accident is the injured party? The answer to this question is positive. The driver can safely apply to the insurance company of the perpetrator of the incident on general grounds. However, as much as a fine for driving without MTPL is required, it must also pay in full. Naturally, in this case the driver is directly interested in the matter being solved on the spot without calling the traffic police officers.

Penalty for driving without insurance of OSAGO

Let's move directly to administrative punishment. So, this offense is subject to liability under articles 12.3 and 12.37 of the Code of Administrative Offenses of the Russian Federation.
If the driver has a MTPL policy, but he forgot to take it with him, then a warning or a fine of five hundred rubles may be imposed for this.
For driving without a MTPL policy in general, the penalty will be eight hundred rubles, with overdue insurance - five hundred rubles.

What was it that passed, and what is not and has not been

Until March 2008, there was a rule under which the use of the compulsory insurance policy was allowed for another month after expiry. However, these times are long gone. Today, from the beginning of the next day, the insurance is considered to be overdue, and in this case a penalty is levied for driving.
They say that the traffic police can point out a mistake in the contract and demand a fine for it. However, this is not justified. No one has the right to fine you if an error is found in the compulsory insurance policy.

Can the police remove the numbers?

Earlier, the Code of Administrative Offenses of the Russian Federation provided for article 27.13, according to which for the ride without OSAGO, DPS officers could simply take down the car numbers. However, due to the fact that it is now easy to make duplicates of numbers, from the end of 2014 the measure was canceled. Now it is not allowed to take numbers from cars in the traffic police.

Innovations in 2016

At the end of 2014, the president signed a federal law on giving drivers a discount of fifty percent from 2016. Its purpose is to increase the performance of drivers penalties, that is, their payment. According to statistics, the vast majority of violations for which administrative responsibility is imposed are light. Often, drivers saved entire stacks of unpaid fines.
However, since January 2016, in the full amount of the receipt at the bottom there is a postscript where it is stated that if payment is made within twenty days, the penalty is reduced to 50%. But not all offenses fall under this rule. In full, the fine will have to be paid if:

• Violations are associated with the use of drugs or alcohol while driving;
• Refusal to undergo a medical examination for alcohol intoxication;
• The speed regime was repeatedly violated;
• The passage of the red light was repeatedly violated;
• The TC vehicle was re-registered improperly;
• Departure to the counter;
• Harm to health.

None of these points is related to the MTPL offense. From this it is clear what a penalty for driving without OSAGO can be paid within twenty days after his discharge.
It turns out that if the fine was 500 rubles, then you can pay half, that is, 250 rubles. If the fine was 800 rubles, then, accordingly, you can pay 400 rubles. In this case, payment is made in the usual way, in any convenient way for you.

Who should pay the fine?

According to the law, the owner of the vehicle must pay the penalty. However, it often happens that the driver at the time of the violation is the other driver. Then you can appeal against sanctions. Proof of this, for example, are the traffic cameras, which recorded the fact of violation of other drivers. However, in the case of driving without MTPL, the evidence of the driving of a driver is already established after the stop of the vehicle by traffic police officers.

Who can ride without MTPL?

The car owner has the right to travel within ten days from the moment of purchase of the car without having to draw up a compulsory insurance policy. In addition, the law also establishes other categories of drivers on which the obligation to insure the vehicle for OSAGO does not apply. It:

• TS, the maximum speed of which does not exceed twenty kilometers per hour;
• TS registered by the RF Armed Forces;
• TS registered in other states and an international insurance organization;
• Trailers;
• TS on caterpillar and semi-track.

Conclusion

From the article, we learned what a fine for driving without the OSAGO policy and to whom it relies. Also found out how to pay only half of its amount. But of course, it's best to travel with a valid genuine policy to avoid a lot of problems.