All drivers know that a compulsory insurance policy must be issued for a car, which you must have with you. If the law is violated, then an administrative fine is imposed for driving without compulsory motor third-party liability insurance. Consider what kind of sanctions rely on it.
CTP
MTPL insurance is a contract that a car owner has entered into with an insurance company. According to him, in the event of an accident, the car owner who caused the accident will be compensated for the damage. This type of insurance should be available to all drivers. Therefore, in case of his absence, the car owner is obliged to pay a fine for driving without compulsory motor third-party liability insurance.
If during the course of one policy several accidents are committed, the insurance company undertakes to indemnify each of them, since the number of accidents under the contract is not limited.
Thus, it turns out that both participants in an accident benefit from the policy. One driver protects himself from financial losses associated with the repair work of a vehicle if he is the injured party in an accident. On the other hand, the perpetrator of the accident will also not compensate for the damage caused.
Nevertheless, despite the obvious advantages, there are many car owners who go for various tricks.
Fake CTP
Due to the fact that the cost of the CTP insurance policy has increased significantly, recently there have been more and more counterfeit documents. It is clear that both the manufacture and distribution, and their use, are illegal. Responsibility for such actions comes both administrative and criminal.
True, most often the offender pays an administrative fine for driving without compulsory motor third-party liability insurance. Criminal liability arises for the manufacture, distribution, and intentional use of fake insurance. Despite the fact that the overwhelming majority of fake OSAGO is used intentionally by car owners, it is necessary to prove guilt in order to attract under the relevant article. And to do this is either impossible or very difficult.
Accident
However, drivers who drive without compulsory motor third-party liability insurance or acquire a fake document risk not only that they will be stopped by officers of the road patrol service. The main thing is that in the event of an accident, the damage caused to the vehicle will have to be paid for independently.
More recently, when policies were much cheaper, the damage to the injured party was reimbursed by the meager. Of course, and at present there are such cases. However, one way or another, the insurance company, which lowered the amount of insurance payment, can sue the money necessary to restore the car.
Otherwise, you will have to pay a fine for driving without compulsory motor third-party liability insurance and repairing the damaged vehicle. In addition, the traffic police will take note of the driver using the fake OSAGO policy.
Many drivers are interested in another question: will damage be compensated in case of an accident if the driver is an injured party in an accident? The answer to this question is yes. The driver can safely contact the insurance company of the culprit of what happened on a general basis. However, as much as the fine for driving without compulsory motor third-party liability insurance is relied on, he must also pay in full. Naturally, in this case, the driver is directly interested in the issue being resolved on the spot without calling the traffic police.
Penalty for driving without compulsory motor third party liability insurance
We proceed directly to administrative punishment. So, for this violation threatens liability under articles 12.3 and 12.37 of the Code of Administrative Offenses of the Russian Federation.
If the driver has an insurance policy, but he forgot to take it with him, then a warning may be issued or a fine of five hundred rubles may be imposed.
For driving without a motor third-party liability insurance, the fine will be eight hundred rubles, and for expired insurance - five hundred rubles.
What was yes and what was not and was not
Until March 2008, there was a norm under which the use of the compulsory insurance policy was allowed for another month after the expiration date. However, these times are long gone. Today, from the beginning of the next day, insurance is considered overdue, and in this case a fine is charged for driving.
They say that the traffic police can point out a mistake in the contract and demand a fine for it. However, this is unlawful. No one has the right to fine you if a mistake is found in the compulsory insurance policy.
Can cops rent rooms?
Earlier, the Code of Administrative Offenses of the Russian Federation provided for article 27.13, according to which, for driving without compulsory motor third-party liability insurance, traffic police officers could simply remove car numbers. However, due to the fact that today you can easily make yourself duplicate numbers, the measure was canceled from the end of 2014. Now to remove numbers from cars in the traffic police do not have the right.
Innovations in 2016
At the end of 2014, the president signed a federal law to provide drivers with a discount of fifty percent from 2016. Its goal is to increase the enforcement of fines by drivers, that is, their payment. According to statistics, the vast majority of violations for which administrative responsibility is laid are mild. Often drivers piled up whole piles of unpaid fines.
However, since January 2016, a note is written in the full invoice issued at the bottom, indicating that if payment is made within twenty days, the penalty is reduced to 50%. But not all offenses fall under this rule. In full, the fine will have to be paid if:
- violations associated with the use of drugs or alcohol while driving;
- refusal to undergo a medical examination for alcohol intoxication;
- the speed limit was repeatedly violated;
- red light was repeatedly violated;
- the vehicle was re-registered in an improper manner;
- departure to the oncoming lane;
- harmful to health.
None of these items are related to compulsory motor third party liability insurance. From this it is clear what penalty for driving without compulsory motor third-party liability insurance can be paid within twenty days after his discharge.
It turns out that if the fine was 500 rubles, then you can pay half, that is, 250 rubles. If the fine amounted to 800 rubles, then, accordingly, you can pay 400 rubles. At the same time, payment is made in the usual way, in any way convenient for you.
Who should pay the fine?
According to the law, the fine must be paid by the owner of the vehicle. However, it often happens that another driver is driving at the time of the violation. Then you can appeal the sanctions. Proof of this, for example, are road cameras, which recorded the fact of violation by other drivers. However, in the case of driving without compulsory motor third-party liability insurance, the proof of the fact of driving one or another driver is already being established after stopping the vehicle by the traffic police.
Who can ride without compulsory motor third-party liability insurance?
The car owner has the right to ride without a compulsory insurance policy within ten days from the date of purchase of the car. In addition, the law establishes other categories of drivers for which the obligation to insure the vehicle under compulsory motor third-party liability insurance does not apply. It:
- Vehicles whose maximum speed does not exceed twenty kilometers per hour;
- TS registered by the RF Armed Forces;
- TS registered in other states and the international insurance organization;
- trailers;
- Crawler and semi-tracked vehicles.
Conclusion
From the article we learned what a fine for driving without an insurance policy and who should be entitled to. They also found out how to pay only half of its amount. But of course, it is best to ride with a valid genuine policy to avoid many problems.