What is the fine for driving without compulsory motor insurance for individuals in 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.

Electronic control project

Many drivers do not take out compulsory motor liability insurance because they know that the policy may not be provided, with the exception of an accident. But such arrogance can be punished at any time. After all, electronic control will be introduced in the near future.

This is a system of security cameras, which are mainly useful in recording accidents and other violations. But these same devices are complemented by the function of license plate recognition and vehicle verification. During a brief analysis, the program identifies the owner of the car and also checks for insurance. If there is no insurance policy, the motorist will be sent a fine. And a stop by the inspector is not necessary!

Can there be no fine? Yes, the exception to the rule is drivers who have issued an MTPL 5 days before being recorded on camera. This is exactly how long it may take representatives of the insurance company to register your policy in the information database.

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.

Is it possible to save on fines?

If you close the issued fine within 20 days, you can get a 50% . Consequently, instead of the assigned 500 or 800 rubles, you will only need to pay 250 and 400 rubles. However, such an indulgence is possible only in situations “without complications”. The latter include driving a vehicle while intoxicated, speeding and similar offenses.

In 2021, it is planned to introduce an automatic fine for driving a car without a signed MTPL agreement in the amount of 800 rubles , but the exact amount may be adjusted. The fact is that the State Duma has received a bill for consideration, the author of which insists on increasing the fine to 5,000 rubles. The deputies promised that they would pay due attention to it as soon as they received additional data from the traffic police on the situation with accidents on Russian roads. And if the statistics impress them, drivers will have to pay much more in the future for the lack of a “motor citizen” license.

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:

1. 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.
2. 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.

Why do you need a policy?

Many residents of our country perceive insurance as another tax. In fact, this is not so. After all, the policy protects you from financial liability during an accident. So, if the accident occurred due to your fault, then the damage to the injured party (in whole or in part) is paid by the insurance company. The payment covers both the repair of the damaged vehicle and compensation for the injured people.

Do not confuse OSAGO and CASCO. Liability insurance only covers compensation for the injured party. Payment for repairs to your vehicle is not provided. If you want to completely protect your car, you should additionally take out CASCO insurance.

The cost of an MTPL policy may depend on many parameters. Typically, insurance companies focus on the following points:

• engine capacity;
• driving experience;
• city ​​of registration;
• purpose of transport (personal, taxi, cargo transportation, etc.);
• contract time;
• availability of a preferential category.

The pricing policy is also influenced by the type of contract concluded. It is possible to issue one of these policies:

1. One car and one or more drivers. This policy is suitable for families where there is only one car, but several people are driving. The cost of such insurance is low.
2. One car and several drivers. A policy for organizations implies the ability to enter into the document a larger number of persons who have the right to manage it. It is usually used by businesses.
3. One driver and several cars.

These factors are the main criteria when calculating the price of an MTPL policy. You can find out the exact cost using an online calculator, or by contacting representatives of the insurance company directly.

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.

In what cases is a fine not issued?

A fine for driving without an insurance policy is not always issued. The law establishes cases when the lack of insurance is not considered a violation. Let's get acquainted with them.

1. The most common situation is the process of re-registration of ownership of a car. That is, you bought it, it was given to you, or you inherited it and you need to re-register the vehicle in your name and register it. You cannot get insurance without registration documents for your car. Therefore, as of 2021, the state has allocated 10 calendar days during which you can drive a car without an insurance policy until you complete all registration issues. After this period, you will be subject to a fine in the prescribed amount. To avoid a fine, you need to show the traffic police officer supporting documents, for example, a purchase and sale agreement.
2. If you work for a legal entity and provide transport services. In this case, the manager is in charge of taking out the insurance and he must make sure that you are included in it as a driver or issue a policy on the principle of unlimited access. Of course, you and the vehicle owner will still be fined if you do not have insurance, but you will be able to demand compensation through the court. However, in practice, this happens extremely rarely, so it is better to double-check in advance the presence or correctness of compulsory motor liability insurance.
3. Driving without compulsory motor liability insurance is allowed to foreign citizens if their car is registered in another state and they received an insurance policy there that is valid within the international system (Federal Law No. 223).
4. A fine is not issued if the maximum design speed of the vehicle does not exceed 20 km/h. Accordingly, a fine can be avoided for the lack of an insurance policy.

Therefore, other than the above exceptions, you should understand the importance of auto liability insurance. The penalty for driving without a policy is not as serious as the consequences of not having compulsory motor insurance. After all, the situation on the road cannot always be predicted, and an accident can happen at the most unexpected moment. And as a result, neither you nor other participants in the accident will be able to receive compensation from the insurance company for the damage incurred. You will have to do this out of your own pocket.

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.

Who and when can issue a fine for lack of insurance?

A fine is issued by a traffic police officer if he stops the car to check documents. There was also information that automatic cameras can record the lack of insurance and send a report through your Personal Account.

However, at the moment, not a single driver has reported that they received a fine for driving without compulsory motor insurance in a similar manner. It can be concluded that such a practice has not yet been introduced.

To check issued fines you need:

1. Register on the government services portal and create a personal account, linking a phone number to it. Then notifications of violations will come in the form of SMS.
2. It is recommended to check for fines at least once every 14 days.

When assigning a fine, the inspector can use a trick. There are problems in the insurance industry, so for several years now it has been difficult for drivers to obtain a compulsory motor liability insurance policy. If you put pressure on the inspector’s pity by explaining that insurance companies refuse to issue insurance, then there is a chance that you will be able to save money.

If you can’t completely avoid a fine, you can ask to draw up a protocol for not driving without insurance (forgot it at home), and not for not having it. Then you will have to pay only 500, but not 800 rubles. In addition, later you will be able to take advantage of a 50% discount, and the amount will be reduced to a minimum. However, you should not abuse the inspectors’ loyalty or try to put too much pressure.

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 many times can they be fined during a day?

In accordance with Law No. 196-FZ of December 10, 1995, the use of a vehicle without compulsory motor liability insurance is prohibited. And according to Article 4.1 of the Code of Administrative Offenses, there cannot be double liability for one administrative offense.

But you can receive a repeated fine for lack of compulsory motor liability insurance countless times during the day. This is allowed, since the new protocol will change the place and time of the administrative offense. That is, we will be talking about a new violation.

In conclusion, it should be noted that auto liability insurance is a mandatory type of insurance that allows you to compensate for possible material damage that you, as a motorist, can cause to the cars of other drivers.

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., ,