Every person who owns a car,must know traffic rules so as not to violate the law. This prevents the need to pay different fines. In this case, be sure to buy on any car OSAGO. Such insurance is required even with a CASCO. If there is no mandatory policy, then a significant penalty is imposed for insurance. He may be discharged several times a day. Another negative consequence is that if the car owner gets into an accident and is not the culprit, he will have to pay damages to the second participant in the accident with his own money.
What is the size of the fine in 2018?
Разные административные нарушения владельцами cars are often punished with fines. The penalty for driving without insurance is issued by car inspectors, who, after stopping the car, learn that the driver does not have a policy with him. A citizen may simply forget the document, and insurance may be expired or temporary.
The main purpose of CTP is protectioncivil liability of the driver, so if he becomes the culprit of the accident, then the insurance company must compensate for the damage caused to another party to the accident.
Insurance must be issued within 10 daysafter buying a car or expiration of the previous policy. If this process is not performed, then new fines for insurance in 2018 are imposed, which are at least equal to 500 rubles. If you pay fines promptly, you get a 50% discount.
Legislative regulation
The need for a CTP insurance policy is indicated in several legislative acts. This information is contained in:
- Traffic regulations;
- Federal Law №40;
- KoAP.
Federal Law No. 40 specifies who should buy the policyOSAGO, as well as what is assigned responsibility for the absence of this document. It is indicated that a penalty for insurance may be charged several times if a person continues to drive a car without a policy, and various traffic police officers stop him at different times.
Who can not buy insurance?
There are certain exceptions, so some car owners may not buy a policy. These situations include:
- driving a vehicle that moves at a speed of up to 20 km / h;
- the presence of a machine that is not allowed to be used in the Russian Federation;
- the use of military vehicles on the balance for the needs of the army;
- owners of cars registered in another country do not buy insurance if they have international insurance;
- Owners of trailers or vehicles that are not wheeled do not need a policy.
In the above situations, no penalty is imposed for the lack of insurance.
When are car inspectors fined?
Punished in different situations. The penalty for insurance will certainly have to be paid in such cases:
- there is a policy, but the driver does not have it with him, as he can stay at home or be kept at all only in electronic form if he was originally registered on the website of the insurance company;
- the owner uses the car during the period not covered by the insurance;
- the policy is completely absent;
- expired;
- there is a fake document;
- The driver is not inscribed in the insurance purchased for a particular car.
In every situation, a traffic policeman may enterdifferently. If the driver is really able to prove that he has a document, he can avoid charging a penalty for OSAGO insurance, therefore the traffic police officer only issues a warning.
The driver does not have a policy
In this situation, it is not allowed at alldriving a vehicle. An exception will be the case when after purchasing the car 10 days have not yet passed, so the new owner simply did not have time to issue a document. Then he can submit a sales contract to the auto inspector, so the penalty for insurance will not apply to him. If the car is stopped by a car inspector, he will always ask if the driver has a TCP, driver's license and insurance policy. If the last document is missing, a penalty is imposed for the lack of insurance in the amount of 800 rubles under art. 12.37 h. 2 CAO.
What to do if the driver forgot the document at home?
Frequent are situations when a persongoing to work or to another place, simply forgets important documents at home. What is the penalty for driving without insurance is imposed if an effective policy is available, but it is not with the driver? Under such conditions, under Art. 12.3 h. 2 of the Administrative Code shall be punished with a fine of 500 rubles. Often traffic inspectors go forward, therefore they give an opportunity to bring a document or wait for relatives to provide a policy. In such situations, a warning is usually issued.
If the driver himself does not wish to pay the fine, thenhe may refuse to sign the ruling. In this case, he must indicate in the protocol that he has a policy, so he should not be punished for his absence. We will have to attend the court session and prove that at that moment, when the driver was stopped by a car inspector, he had an insurance policy at home, and at the same time the traffic police employee did not want to wait until the relatives of the citizen brought the document.
Punishment for an expired policy
Оформляется страховка на год, после чего need to renew it. Often, drivers simply forget that they have an already expired policy, which does not protect the car owner from numerous risks. Often a citizen learns that the policy is expired, directly from the traffic police officer. When examining the document, the traffic policeman can see that it has expired. The penalty for overdue insurance is equal to 800 rubles, since such a situation equates to the fact that the car owner simply does not have an auto insurance policy.
При выявлении того, что документ является invalid, the car owner urgently needs to contact the insurance company to extend it. If he continues to move, and the traffic police officer again stops him, he will again be charged a penalty for the overdue insurance. Therefore, do not delay with the process of registration of this document.
The driver is not inscribed in the insurance
Quite often considered a situation wherethe machine is driven by a person who is not inscribed in the insurance policy. He may be a relative or friend of the immediate owner of the car. Even if the owner of the car is also in the cabin, a penalty is imposed for the driver who is not insured. It is equal to 800 rubles, and in case of an accident it will not be possible to use the policy to get compensation for the injured party.
If there is only one driver in the car,which is not listed in the insurance, he may be detained by a traffic policeman. This is due to the fact that there is a possibility that a car thief is driving.
Is there a penalty based on data obtained from traffic cameras?
It is planned to be introduced everywhere by the end of 2018.a unique innovation, suggesting that by road cameras car owners will receive receipts to pay a fine for insurance in Russia. This becomes possible if you combine special fixation complexes with the bases of insurance companies. If a car is captured on the camera for which the insurance policy was not issued on a timely basis, this will result in the vehicle owner receiving a receipt. In real time it will be possible to monitor violators. It is assumed that such innovation will positively affect the responsibility of drivers.
What is the penalty for a fake policy?
Punishment under such conditions depends on two factors:
- the car owner himself could forge a document in order not to pay money for this policy and not pay fines;
- car owner can become a victim of scammers who sold him a fake.
Under these conditions, the original car inspectorissues a penalty for driving without insurance, since fake documentation equals the absence of a policy. Then a case is opened, on the basis of which the driver can be brought to administrative or criminal responsibility if he independently produces false documents.
For this, the provisions of art. 327 of the Criminal Code.Under this article even punishment in the form of real term of imprisonment can be applied. But according to court practice, it is almost impossible to prove that a driver is really a fraudster.
Punishment for the use of the machine in the wrong periods
Often purchased insurance only for the season.For example, car owners are often afraid to use the car in the winter, as they do not know how to cope with drifts or are simply afraid to drive while driving on a snowy road. To save money, it is important for them to buy a seasonal insurance policy OSAGO, which provides that you can use the machine only in summer, spring and autumn. If for any reason the car owner goes by car at the wrong time, he will have to pay a traffic police fine for insurance. In this case, transferred 500 rubles.
Can I be charged more than once?
Если после первоначального вынесения наказания a person continues to drive a car, he can be fined again. This is due to the fact that the driver continues to control the vehicle, he is stopped by a car inspector at another place and at another time, therefore a new offense is committed. Repeated penalty for insurance will be the same size as the last. It is allowed to reduce the fee if you pay within 20 days after receiving a receipt from the traffic policeman.
What penalties apply to legal entities?
Usually, companies and individual entrepreneurs are registered for servicecars are not only CTP, but also DSAGO, protecting from more insurance claims. Without this policy can not be used any corporate car.
Every car listed in a firm mustbe insured separately, but insurance companies can provide discounts for driving without accidents. Corporate vehicles are subject to the same penalties as private car owners.
Are rooms rented and cars being evacuated?
If there is no OSAGO at the driver of the car, thento him according to the Federal Law №307 the punishment measure, represented by the removal of numbers, cannot be applied. Additionally, the law does not provide for the possibility to evacuate the car to the car park if there is no policy. Therefore, the only sanction is a fine that can be charged several times during the day. Although the size of this payment is low, but still every car owner must buy insurance. This is necessary for him personally, because if for any reason he becomes the cause of the accident, he will not only have to repair his car himself, but also compensate for the damage caused to another participant in the accident. If a second penalty is imposed for insurance, this significantly increases the amount that the car owner will have to pay.
How to check and pay fines?
To check for different fines, you canuse the traffic police site or the portal of state services. You can use bank cards and the Internet to pay. You can also come to the office of any bank or mail.
Но не все банковские учреждения принимают такие payments In this case, you will have to pay a commission, which can even reach 60 rubles. This will be provided with a check confirming the payment of funds, so it will be impossible to present to the car owner any claims about the lack of payment.
What if there is no policy?
If suddenly the car owner finds out that the termthe document’s actions have ended, or the document has been lost, then you should not forget that if this information is detected by the car inspector, the citizen will be held administratively liable. Therefore, under these conditions, it is desirable to perform the following actions:
- if the policy was simply left at home, then you must immediately return and pick up the document;
- if it expires, it is desirabledo not use the car before the extension of insurance, and often you can perform this procedure on the website of the insurance company, so you do not even need to leave home;
- if you want to regularly transfer the car to othersindividuals, and in order to avoid the need to spend a lot of time entering people into a document, it is desirable to initially issue an open insurance, assuming that outsiders can use the machine, who will be protected and will not be held accountable.
Almost every insurance company givesopportunity for citizens to draw up a policy on the site. To do this, just enter the following information: gender, age, name, driving experience and other important parameters. This will make it possible to make the correct calculation of insurance. After that, the policy is paid. It is provided in electronic form. It should be printed out, in order to present it to the traffic police if necessary. The process of registration of the policy does not take much time and does not require significant investment.
Thus, every car owner should knowwhat is the penalty for driving without insurance is imposed by traffic inspectors. It depends on whether there is a valid or expired document. Particularly difficult is the situation if the policy is a fake, as the owner of the car under such conditions may be subject to criminal liability. Therefore, it is advisable to initially apply only to verified and large insurance companies, as well as regularly monitor the duration of the insurance and check the availability of the document before leaving the house.
