The current legislation when driving a vehicle requires the driver to have an insurance policy. Moreover, drivers themselves must ensure that everything is in order with the document. This type of insurance is a contract signed by the parties, one of which is the company issuing the policy, and the other is the car owner. At the same time, he is guaranteed compensation for damage if an accident occurs. In addition to CTP, there is insurance and voluntary. It is called CASCO, as well as DSAGO. In this article we will try to answer the question: what will happen if you go without insurance? This implies, of course, the policy of compulsory motor liability insurance, and not other contracts that can be concluded or not concluded at will.
What happens if I go without insurance?
Russian law obliges the driver not only to purchase a compulsory insurance policy, but also to have it constantly with him while driving. Riding without a document is fraught with an offensive for which administrative responsibility is provided. Until 2009, drivers could drive a short period of time without it in the event that the previous policy had just ended. However, then this order was abolished. And since then it is strictly forbidden to drive a car without insurance. The document must be executed even in the case when the driver controls the vehicle by proxy.
If a traffic police officer, stopping the car and demanding to present documents, does not see, among other documents, the current OSAGO policy, then the car owner will be fined. On the other hand, little good awaits him in the event of a traffic accident. The driver will not only have to restore the car at his own expense, but also reimburse the cost of repairing the vehicle of another participant in an accident if he is the culprit. And if, in addition, there are victims, then the entire burden of paying for the treatment will also fall on his shoulders. But the penalties for driving without rights, the culprit also can not be avoided.
If the policy stayed at home ...
Sadly, in this case, the fine will still have to pay. However, the legislator nevertheless provides that such a situation is possible. In accordance with this, the amount of the fine in one case differs from the other. For the inspector, however, this issue is not fundamental. Therefore, he usually writes out the maximum fine. If the driver does not agree with such a decision, he should try to convince the policeman that he really does have an agreement. You can ask relatives or friends to bring the policy to the traffic police post or you can go home for insurance on your own. Indeed, one way or another, it will be needed for further driving. There is another option. You can prove the availability of the policy via the Internet, especially if electronic CTP is issued.
Electronic CTP
This type of service appeared in Russia recently. Some drivers have already managed to use the convenient service. Others prefer to buy insurance "the old fashioned way", driving up to the office and receiving a paper document. Of course, electronic OSAGO has a number of advantages in comparison with the acquisition in the usual way. Firstly, you can order a policy at any time convenient for you, spending only 7-10 minutes of time. You don’t have to take time off from work and go somewhere, stand in line to receive a document.
Secondly, probably, there is no driver who would not encounter the obsessive offers of insurance agents to purchase additional services. Many, without much thought, agree to everything that they are offered. And then regret the choice. But, making an order via the Internet, such a problem will not arise. The car owner chooses the services that seem optimal to him.
However, there are electronic OSAGO and disadvantages. In particular, this concerns the fact that the online server is not yet well served. Thus, during peak hours for orders on the Internet, it can freeze. And all the entered data will have to be entered again and again. Let's hope that this problem is resolved in the future. In the meantime, we return to the question of what will happen if we go without insurance. Having figured out that responsibility in its absence cannot be avoided, we see that there is still some advantage in the availability of electronic CTP.
Electronic CTP and traffic police inspector
When ordering it, the driver receives an e-mail with the attached policy. Having access to the Internet on his phone, he can go into the mail and show the inspector the policy in electronic form. Of course, this will not cancel his obligation to pay a fine. But the amount will already be a little less.
What else can be done to pay less?
If the traffic police inspector does not agree with any arguments, and it is impossible to go home or get a policy through relatives, then there are still options for how to get out of the situation with the least losses:
- The protocol, which is filled by the traffic police officer, has a clause where the driver can write his opinion about the illegality of the fine. And indicate the real reason there.
- Within 10 days, the car owner has the right to appeal the fine by contacting the bosses of the employee who drew up the protocol. This often works.
- There is another option for going to court. However, there is hardly a driver who would decide to sue because of such a small fine. Usually, having paid it, they forget about the fact. But it would be good if this taught in the future to always have a CTPL document in paper form.
Is it possible to drive a car without insurance and what will it be?
As we already know, if insurance is expired, the use of a vehicle is prohibited. Until recently, until 2009, the operation of the vehicle was allowed when the policy expired. Drivers then asked themselves the question: how many days can I go without insurance? For a whole month, the driver could not worry that he would have to pay a fine if the traffic police officer stopped him. Now the situation has changed radically. And there is a definitive answer to the question of how much you can ride without insurance. Under the MTPL agreement, even if it had only expired a couple of hours ago, it is impossible to operate the vehicle. The driver in this case will be fined.
What is the fine?
Currently, there are two administrative penalties:
- 800 rubles. The driver pays them for a ride without a policy.
- 500 rubles. Money is paid for the lack of compulsory motor third-party liability insurance with you or for not entering into the contract the driver who, at the time of stopping by the traffic police inspector, was driving a vehicle.
If the driver is not included in the insurance policy?
Let us dwell on this point in more detail. OSAGO insurance can only allow the operation of drivers who are inscribed in the contract, or all without limitation. The second option is much more expensive for the car owner. Therefore, most often choose the first. According to him, only those persons who are prescribed in the contract can drive a car. Therefore, if a person who is not indicated in the document is driving the car, you will have to pay a fine. And the car owner, not the driver, is guilty in this case.
Typically, a CTP agreement is concluded for a period of one year. But, for some car owners, this is inconvenient. Some go on a long business trip, others use the car only in a certain season (for example, summer residents). For them, of course, it would be better if you could ride without insurance. Under the agreement, however, it is possible to provide for another term. For example, six months or 3 months. However, in this case, the policy will cost much more. At the same time, there are exceptional cases when a car can be driven without insurance.
- If the vehicle was recently purchased. How much can I ride without insurance in this case? The law refers to a period of 10 days.
- Upon entry into the inheritance.
- In other cases provided by law.
Conclusion
What happens if I go without insurance? We have already realized that in this case a traffic police officer will be fined if he stops the car. And the amount of the penalty depends on the compulsory motor third-party liability insurance agreement concluded at that time or its absence as such. It is also now clear what to do if the policy remains at home, but the inspector refuses to believe in it.
It should be added that a fine is the only thing that a traffic police officer can punish a negligent driver. Until recently, until 2014, state numbers could be removed for such a violation, and the car sent to a parking lot. However, they decided to abolish this rule. And the maximum that a driver can expect today is a fine of 800 rubles.