Mandatory documents for any driver - driver’s license, registration certificate and insurance. In the absence of at least one of them, he does not have the right to drive a car. Today we’ll talk about insurance, the rules for obtaining it, and what it means to ride without insurance.
Car insurance is a type of insurance coverage 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: compulsory (CTP) and voluntary (CASCO).
From the name it is clear that compulsory motor third-party liability insurance (stands for "compulsory motor third-party liability insurance") is a mandatory procedure, terms of provision and tariffs are established by law. CASCO is a service provided by insurance companies, so the terms and prices are also dictated by them.
If you provoked an accident, OSAGO indemnifies the damage caused to the injured car. If you are right in this situation, then you will have to demand payment of the repair from the culprit insurance company. If you use CASCO services, then insurance
the company is obliged to pay expenses in any case. There is another difference between these systems: OSAGO indemnifies for damage only in the event of an accident, and CASCO - in the event of an accident, damage, theft or breakdown. What exactly to choose depends only on your decision.
Riding without CTP insurance, as mentioned above, is unacceptable, in any case, you will be fined, regardless of whether you forgot to extend the policy or simply left it at home.
Consider the second case: you forgot the home insurance form, and in fact you have it, it is not expired, and you are inscribed in it. In this case, the Code of Administrative Offenses provides a warning or a fine. Riding without insurance will cost 100 rubles in this case.
If the driver is detained while driving in a period not covered by the mandatory motor third-party liability insurance, he will be fined 300 rubles or will be prohibited from further operation until the cause is eliminated. This usually includes summer residents who insure their vehicles for the summer.
It often happens that you urgently need to drive a driver who is not included in the form. Riding without insurance in this case will also cost 300 rubles, plus the vehicle will be delayed until the car owner appears.
Riding without insurance, the maximum fine for which is riding with expired CTP insurance. The penalty is in the region of 500-800 rubles, in addition, the traffic police inspector will prohibit further operation of the vehicle. The same penalty will have to be paid for the lack of a policy, and this sometimes happens, for example, when the driver, when buying a car, decided not to insure him at all.
Remember that it is much cheaper and more reliable to buy a motor third-party liability insurance or hull insurance policy , and this is not even because driving without insurance involves constant conflicts with traffic police inspectors. No one can be responsible for what will happen to you tomorrow on the road. It’s better to calmly drive a car, knowing that you don’t have to regret the huge monetary losses in the event of theft or accident.