The law on compulsory insurance came out a long time ago, it provides for the receipt of an insurance policy for OSAGO. And if you have expired this document, or you left it at home, or insurance is issued in a different name, the legislation provides for certain types of punishments. From our article you will find out what penalty you can pay if the driver behind the wheel is not included in the insurance.
Let's look at one current situation.
For example, you went to nature to fry kebabs. And what barbecue without alcohol, right? Suppose someone very responsible decided not to drink at all, but to take the whole company home. But the owner of the car did not enter it in the main insurance policy. For this, punishment is provided, but you need to go home. Indeed, as the current provision on the driver of the vehicle says, he must have a policy on his hands, otherwise he may be fined and removed with license plates. What penalty, if your responsible buddy who has got behind the wheel, is not included in the insurance, you can be issued? The car owner must write a power of attorney to control the machine in the name of his friend, and he himself can be next to him. In this case, if the "taxi driver" is not included in the insurance, the minimum fine is only 300 rubles, but it will not be imposed on the driver who was driving without insurance, but on its owner.
But in this case, there is a big BUT! If your friend is not included in your insurance policy, but had an accident, then under current law the insurance company must still compensate all the losses to the victim. However, a regression of insurance awaits you for this, that is, the insurance company will go to court to recover damages that are not provided for in the insurance contract. And it will be worse than a fine for a driver who is not included in the policy.
What is the penalty if another car driver is not included in the insurance, is prescribed by law?
There are situations when you have to drive someone else's car, or your friend or relative asked for your car for a while. You have the opportunity to register several drivers who have valid driving licenses when registering OSAGO insurance. If you get behind the wheel of someone else’s car and information about you is not available in the CTP insurance policy, then you will be fined, an administrative protocol will be drawn up indicating the reason for the violation, articles in the Administrative Code. The inspector will remove registration numbers from the car. What is the fine? If not included in the insurance - you will have to pay about 800 rubles. Restrictions on the use of the car are valid until the reasons for the imposition of the punishment are eliminated. Although, after paying the fine, you can use the vehicle within 24 hours and get to the right place on time.
What needs to be done so that you are not fined on the road?
Ask the owner of the car to make sure that you are on the list of drivers allowed to drive this vehicle. And then the question of whether drivers with the right to drive a car should be included in insurance.