LawState and Law

Riding without insurance - what is this threatening?

Obligatory documents for any driver - driver's license, technical passport and insurance. In the absence of even one of them, he has no right to drive. Today we will talk about insurance, the rules for obtaining it and what risks riding without insurance.

Auto insurance is a type of insurance protection of the population, designed to defend the financial interests of the car owner in the event of a breakdown, theft or accident involving his car. At the moment there are two types of car insurance: mandatory (OSAGO) and voluntary (CASCO).

From the title it is clear that OSAGO (stands for "compulsory motor third party liability insurance") is a mandatory procedure, the conditions for granting and tariffs are established by law. KASKO is a service provided by insurance companies, so conditions and quotations are also dictated by them.

If you provoked an accident, OSAGO reimburses the damage caused to the injured car. If in this situation you are right, then you will have to demand payment of repair from the insurance company of the culprit. If you use CASCO services, then insurance The company must pay the costs in any case. There is one more difference between these systems: OSAGO reimburses damage only in the case of an accident, and CASCO - in the event of an accident, spoilage, theft or breakage. What to choose depends on your decision.

Riding without insurance of OSAGO, as mentioned above, is inadmissible, in any case, you will be fined, regardless of whether you forgot to extend the term of the policy or simply left it at home.

Consider the second case: you forgot the form of insurance at home, and it actually you have, not expired, and you are inscribed in it. In this case, the Code of Administrative Offenses provides for a warning or penalty. Riding without insurance will cost in this case 100 rubles.

If the driver is detained when driving a vehicle in the period not provided for by the OSAGO, he will be fined 300 rubles or prohibited further operation until the cause is eliminated. Under this usually get summer residents, insuring their vehicles for the summer.

Often happens and so that you urgently need to put behind the wheel of the driver, not inscribed in the form. Riding without insurance in this case will also cost 300 rubles, plus the vehicle will be detained until the advent of the car owner.

Riding without insurance, the penalty for which is the maximum is a ride with an overdue MTPL insurance. The amount of punishment is around 500-800 rubles, in addition, the traffic police inspector will prohibit further operation of the vehicle. The same penalty will have to pay for the lack of a policy, and this sometimes happens, for example, when the driver at the time of buying a car decided not to insure him at all.

Remember that it is much cheaper and more reliable to buy a MTPL or CASCO policy , and this is not even because riding without insurance is associated with constant conflicts with DPS inspectors. Nobody can be responsible for what will happen to you tomorrow on the road. It is better to sit down with the quiet soul behind the wheel of the car, knowing that you will not have to regret the huge financial losses in case of theft or accident.

Similar articles

 

 

 

 

Trending Now

 

 

 

 

Newest

Copyright © 2018 en.birmiss.com. Theme powered by WordPress.