Is it possible to re-register a car without an insurance policy?

What does the law say?

Paragraph 2 of Article 4 of the Federal Law on Compulsory Motor Liability Insurance establishes the obligation of the motorist to insure liability no later than ten days after the owner’s rights to the car arise. Accordingly, you can only drive without insurance for 10 days.

It is necessary to implement this rule after purchase before the state registration of the vehicle with the authorized body. Ten days are allotted for this. The countdown of the period begins from the moment the purchase and sale agreement is concluded.

The grounds for the emergence of the right to motor transport are the following legal facts:

1. Acquisition of property (purchase and sale, barter, donation).
2. Receipt of property under the right of economic management and operational management.
3. Entry into the rights of an heir.

Based on the above, we find that until the expiration of 10 days it is allowed to drive a car without insurance. The validity of the conclusion is confirmed by the explanation of the Supreme Court of the Russian Federation dated April 17, 2012 No. AKPI12-205.

Another, more troublesome solution is to re-sign the purchase and sale agreement, that is, imaginary purchase of a car and putting down a new date. If you do this regularly, you can delay the issuance of the policy for the required time.

Car registration procedure

In addition, in order to formalize and sign a purchase and sale agreement, the new owner will have to perform a number of mandatory actions, enshrined in law and related to the re-registration of the car. You will need to enter the relevant data about it into the general registration database: owner, vehicle features, region, characteristics. The result of such actions will be the receipt of an STS, a vehicle registration certificate.

What is the procedure for registering a car after purchasing it? STS is issued by the following services:

• traffic police;
• multifunctional centers (MFC);
• municipal center

To contact one of these institutions and re-register a car, you first need to collect a certain package of documents:

• passport;
• car passport;
• contract of sale;
• MTPL insurance policy issued in the name of the car owner;
• receipt of payment of state duty.

This package of documents is accompanied by an application in the prescribed form. It can be found on the State Services website, but it is better to fill it out on the spot to avoid mistakes. If the car is re-registered without your presence, then the person who represents your interests must have a notarized power of attorney and an identification document. After the papers have been collected, you can register for renewal. Now this is done using an electronic queue on the State Services website or through the telephone number of the desired traffic police department.

At the appointed time or at the time that you chose for yourself during electronic registration, you submit your documents through a special window. If there are no complaints, then the employee must inspect your car at a special site and check the accuracy of the information in the vehicle passport, as well as in the diagnostic card. The issuance of a state license is considered a successful result. license plates (if necessary or when purchasing a new car from a car dealership) in the name of the new owner, as well as a registration certificate.

The entire procedure for re-registration of a car takes no more than 1 hour. Moreover, this rule was established by Order of the Ministry of Internal Affairs No. 1001 and is strictly controlled, including the absence of a queue, which, according to the electronic record, should not form.

That is, if you do everything correctly and quickly collect documents, you can obtain ownership rights and register a car in your name in one day, if you make an appointment in advance. As for the cost, this type of public service is paid and depends on its type: to receive STS - 1,500 rubles, issuing new state services. numbers – 2000 rubles, registration of PTS – 350 rubles. These rates are current for 2021.

Which days are working days or calendar days?

From one question “how many days can you drive without insurance” the following inevitably follows: the legislator means calendar or working days. If the normative act does not directly indicate working days, consecutive days (working days, weekends, holidays) are taken as a basis.

The ten-day period starts from 00:00. 00min. days that follow the day of acquisition of the right to motor vehicles. During this period, the owner registers with the traffic police, undergoes a technical inspection and issues an insurance policy. By the way, if you get into an accident without a valid policy, you will not be able to get insurance after the accident, so you will have to restore the car at your own expense.

Is it possible to register without insurance?

If you noticed, insurance is mandatory on the list of documents required to obtain a car registration certificate. Therefore, it will not be possible to register a car without insurance. If the owner of the car changes, then the driver changes, and it is necessary to insure motor third party liability, since compulsory motor liability insurance is issued not for a specific car, but for a person, that is, it insures his actions during road traffic and in the event of an accident through your fault, it compensates for losses to the victims. Therefore, if you are wondering whether it is possible to do without insurance after purchasing a new car, the answer is clear - no. In addition, when filling out an application for re-registration of a car, there is a mandatory column where you must indicate the number of the MTPL insurance policy and the start date of its validity.

What are the dangers of driving a car without insurance?

There are several options for administrative punishment for operating a vehicle without a policy. Here are the current fines for 2021:

1. Warning. The penalty is written and expresses the censure of the state for the offense committed. Applies to the owner of a car, while driving which he did not have a policy, for example, left it at home, forgot it at work. It is pronounced when a person first stumbles.
2. A fine of 500 rubles. This monetary penalty is used when a motorist has been found to be driving outside the time allowed by the terms of the insurance. For example, if the period of use of the policy is 3 months, the very next day after the expiration of this period the violator may be brought to administrative responsibility.
3. A fine of 800 rubles. Imposed on the violator in the absence of a policy.

If traffic police officers catch a person behind the wheel whose details are not included in the insurance policy of the car being driven, he will face a similar punishment.

Additional measures taken by traffic police officers for driving without a policy are considered even more formidable. These include:

• Placing the car in a special parking lot.
• Removal from management.

Agree, if this is a long-awaited purchase, then parting with it soon is clearly not included in the plans. You can rescue your car from captivity and get back behind the wheel after paying an administrative fine and concluding an insurance contract.

Car registration procedure

Re-registration of a car has its own difficulties. They consist in the procedure for registering the car and obtaining an insurance policy. So, what steps will you need to go through:

1. Since you cannot re-register a car without insurance, you must first contact the insurance company.
2. There you pre-order insurance, that is, the procedure for obtaining a policy will not be completed, since a prerequisite is the presence of an STS and data on the state. number.
3. You are given an insurance contract, with which you are sent to register with the traffic police and receive an STS.
4. If you bought a used car, then you must immediately undergo a technical inspection, because without a diagnostic card no one will accept your insurance documents.
5. Then you visit the insurance company again, deliver the documents and enter the state registration. numbers (if they were changed for a used car) in the OSAGO certificate.

At first glance, it may seem that everything is quite complicated and the re-registration procedure will take a lot of time. However, it is not. The allotted 10 days is enough to carry out all the above actions. If you deal with these issues immediately after purchasing a car, then it will take you no more than 3 days. During this period of time, it is better to protect yourself from driving a new car, as this can lead not only to a fine, but also to more serious expenses and consequences.

How to get insurance after buying a used car?

Liability insurance when purchasing a used car is carried out at the office of the insurance company. Some companies offer online insurance, for which you send them purchase information and personal data. A little later, you pick up the finished document at the insurer’s office.

As you have probably already seen, the answer to the question of how long you can drive without insurance under a contract is quite simple. But you won’t be able to stay without a policy for a long time, so go to the nearest insurance office to get a policy. The sooner you comply with the requirements of the law, the easier it will be on the road.

Also on our website you will learn about what to do if your insurance has expired.

Fines for failure to meet deadlines

According to the state, a fine is an effective punishment. At the same time, the state budget is replenished with the help of fines. Also, imposing a fine does not cancel the obligation to insure your vehicle liability.

According to the norms of the Code of Administrative Offences, it is possible to collect fines for the following violations:

1. Failure by the driver to fulfill his responsibility for liability insurance (fine 800 rubles).
2. Insurance has been purchased, but you don’t have it with you (fine 500 rubles).

It is possible to operate a car without an insurance policy. At the same time, the state has strictly set a deadline within which the policy must still be purchased. Otherwise, when driving on public roads, it is better not to get caught by traffic police inspectors.

After all, when checking the documents, they will definitely be interested in the availability of the policy. And even when they receive it in their hands, they will certainly check it for visible signs of counterfeiting and, of course, the expiration date.

If it is discovered that the insurance period has expired, the inspector will, without a doubt, compile all the necessary administrative material and issue a fine. The size of the fine, although not large, will clearly not bring joy to the motorist.

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Why is it better to hurry up and get your car license?

Despite the fact that you can drive without a policy for a sufficient period of time, it is better not to delay obtaining the document. Driving without insurance is fraught with the following troubles:

• If you get into an accident, you will have to compensate for the damage yourself. This applies not only to the breakdown of your car, but also to the restoration of vehicles injured in an accident.
• If you drive without a vehicle license, each time you check your documents you will have to explain the situation and evidence of your recent purchase of a vehicle.
• In the event of a minor accident, it will not be possible to document the incident according to the European Protocol. And in any case, you will have to call law enforcement officers.

More information about the procedure for registering the Europrotocol can be found here.

All this suggests that delaying this process can result in very unpleasant situations. And in the end, the costs incurred may be much greater than the policy purchased. However, to receive a penalty, it is necessary that the driver’s guilt be proven.

IMPORTANT! The absence of a motor vehicle license does not in any way affect the determination of the culprit of the accident.

Related article: How to choose an insurance company for compulsory motor liability insurance in 2020

Troubles can also arise if the document is overdue. After the allotted period has passed, a fine may be imposed on the motorist. The penalty for not having a policy is as follows:

• if the paper is not completed or expired – 800 RUR;
• if there is a document, but they did not take it with them - 500 RUR;
• if the motorist is not included in the list of persons permitted to drive – 500 RUR.

IMPORTANT! Compensation may be charged as many times as the vehicle is stopped for inspection. Therefore, the final amount of recovery may be significantly higher.

Another important point is the impossibility of registering a car without compulsory motor liability insurance after purchasing a car. The obligation to present a policy for registration is spelled out in several documents:

• OSAGO rules;
• order of the Ministry of Internal Affairs No. 1001;
• Federal Law No. 40-FZ.

To register, it is not necessary to purchase a paper version of the document; you are allowed to use an electronic version.

Who is to blame for an accident if you drive a vehicle without a policy?

When driving a vehicle without insurance, the culprits are identified in the standard manner. That is, the absence of compulsory motor liability insurance is not evidence of guilt in the incident. However, if it is installed, the motorist will be obliged to compensate for all losses caused to other participants.

Related article: The cost of an MTPL policy and what it depends on

There are three possible scenarios:

• negotiate with the victims on the spot;
• use pre-trial proceedings;
• resolve issues through court.

If there are not many participants in the incident and the damage caused is insignificant, it is usually possible to solve the problem in the first way. The parties assess the loss and the culprit compensates the amount necessary for repairs.

In a situation where the perpetrator does not have enough money, you should take a receipt from him, which indicates the amount of compensation and the procedure for paying it. It is also recommended to record on site all the circumstances of the incident and any existing damage. This will come in handy if the culprit fails to fulfill his obligations.

In addition, the practice of collateral is applied. In this case, the victim, as the last one, can take any valuable thing or document with the obligation to return it after receiving compensation. This should also be noted on the receipt.

After all mutual settlements have been made, the victim must also issue a receipt indicating that he has no claims against the other party.

If all parties to the incident cannot reach an agreement, a trial will have to begin. To do this, you must first file a pre-trial claim. It indicates the circumstances of the incident, the amount of expenses incurred, etc.

This document is accompanied by papers from the scene of the accident, damage assessment, etc. Copies of the entire package are sent to the culprit, after which he often agrees to compensate for the costs. If this does not happen, the papers are sent to court.

In this case, the judge decides whether the claims are justified, and if so, obliges the culprit to pay damages.

Thus, regulatory documents clearly establish how long you can drive without insurance after purchasing a car in 2021. Violation of this deadline is fraught not only with the payment of numerous fines, but also with great risks of incurring large losses in the event of an accident.

Punishment for driving without compulsory motor liability insurance

The amount of fines provided for by the Code of Administrative Offenses of the Russian Federation:

• no insurance - 800 rubles;
• expired policy - 800 rubles;
• policy forgotten at home - 500 rubles;
• fake form - 800 rubles. (within the framework of the Code of Administrative Offences) or up to 2 years of imprisonment (within the framework of the Criminal Code of the Russian Federation);
• the driver is not included in the policy (equivalent to lack of insurance) - 500 rubles.

An experiment is being conducted in 2021. Traffic cameras are trying to “teach” to identify cars without compulsory motor insurance from the general traffic.

If you pay the fine within 20 days, you will receive a 50% discount . The ban on operating a car and removing license plates in the absence of a policy has been lifted.

Since 2014, traffic police officers no longer impose a ban on operating an uninsured vehicle and do not remove license plates.