Punishment for lack of OSAGO: the amount of the fine, legal norms

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

In the article, we will consider what punishment is expected for the absence of OSAGO.

In accordance with clause 2.1.1 of the Rules of the Road, at the time of driving a vehicle, the driver must have a compulsory insurance policy. When a driver does not have an OSAGO policy, this is a violation almost as serious as driving a car without a license. The article contains information about what fines / pen alties for driving without insurance in 2018 are applied under the new rules to the driver who does not have a policy.

So, what is the punishment for not having OSAGO?

Legal Regulations

The law provides for a fine in a special amount for different cases. Punishment for the lack of OSAGO can be imposed in the following cases:

• no policy when itwas not issued;
• if the driver was not allowed to drive vehicles;
• driving with an expired insurance policy;
• driving a car outside the coverage period.

Lack of insurance for a person and a fine

The lowest fine awaits those persons who have insured a car, but they do not have a policy with them: lost, forgotten at home, left somewhere, etc. The driver in this case will be forced to pay a fine to the state, provided for by law, in the amount of 500 rubles, without taking into account other offenses that are the reason for the conversation with the inspector (for example, driving while intoxicated). In other words, traffic violations are considered separately, regardless of whether there is or is not a policy.

In the absence of OSAGO insurance, many are interested in punishment.

The inspector also needs to provide evidence that the policy exists in principle: provide information to the insurance company, manager's contact information, contract number, etc. In practice, it happens that it is difficult to provide evidence of the existence of a policy that you simply forgot to take with you. In this case, the representative of the traffic police, most likely, will draw up an administrative protocol on non-compliance with the requirements for issuing a compulsory civil liability insurance policy for the owner of the vehicle (that is, indicate that the document is actually missing).

What is the pen alty for not having an OSAGO policy in 2018?

Subsequently, such a decision can be challenged if you submit an application to the headTraffic police, explaining the situation and attaching a copy of your policy. In this case, a person will pay 500 rubles, not 800. Currently, almost every traffic police officer can check the availability of a driver's policy using a special program. It started functioning in 2015. To avoid problems, it is advisable to always have at least a photocopy of OSAGO in the car. Sometimes vehicle owners draw up an insurance policy in electronic form, then you need to have a printout with you, since the unified database of electronic policies is still being improved and continues to be developed.

Punishment for not having an OSAGO policy can be even more severe.

Pen alty if a person does not buy a policy

If the driver, in principle, did not take out insurance, then the fine for driving a car without an OSAGO policy rises to 800 rubles. For such a situation, pen alties are determined by part 2 of Article 12.37.

What is the punishment for the absence of OSAGO, every driver should know.

Fine for driving with expired insurance

Many drivers still believe that after the expiration of the policy, it continues to be valid for another 30 days. This rule has not been working for quite a long time (since 2009), and therefore the fine issued for the OSAGO policy with a delay for such car owners becomes an absolute surprise. The OSAGO policy, therefore, loses its legal force from the next day after the expiration date. When the driver is in an insurance situation,overdue at least one day, he faces a fine of 800 rubles. The delay in the policy is essentially equal to the fact that there is no OSAGO. Insurance is sometimes done not for a whole year, as is usually the case, but for a specific period (for example, for summer residents, six months, indicating the months - from March to October, etc.). If the driver drives a vehicle when the policy has already expired, he will have to pay a fine of 500 rubles.

Punishment for not having an OSAGO policy is often frustrating.

Fine for an uninsured driver

If a car is driven by a person who was not included in the insurance policy, the owner of this vehicle will be made administratively responsible for this and must pay a fine of 500 rubles. When, for certain reasons or due to the type of activity, other people can drive a car from time to time, it is better to change the insurance, indicating there an unlimited number of people who can drive the vehicle (the policy indicates “without restrictions”). Then you can safely avoid a fine for driving a car without insurance. In any case, a person who gets behind the wheel of someone else's transport must be issued in a simple written form with a power of attorney, indicating the period of documents, date and specific rights (registration, management, etc.).

Pen alty for driving out of use time

Driving a motor vehicle outside the period of using the OSAGO policy will entail pen alties. For example,the insurance is issued for one year, the time of using the car is from April to October, and when the driver gets behind the wheel in November, he violates the contractual terms. The fine for driving outside the time of use is 500 rubles, its amount is determined by part 1 of Article 12.37.

How long is it allowed to drive without a policy

When buying a new car, its owner gets ten days to pass a technical inspection and obtain a compulsory insurance policy. After this period, the driver cannot drive without insurance, otherwise he faces a certain fine.

When purchasing a vehicle in the cabin, the driver has the opportunity to issue a compulsory insurance policy right on the spot, bypassing the technical inspection procedure.

Also, ten days are given to issue an insurance policy upon receipt of a power of attorney, since the law on compulsory car insurance equates it to the emergence of ownership of a vehicle.

How can I be punished for not having an OSAGO insurance policy?

Methods of paying the fine

When a person has been fined for driving without an insurance policy, they must pay it off as soon as possible. The most convenient payment methods: through the official website of the traffic police, the State Services portal, payment systems (for example, Yandex. Money), a bank branch (for example, Sberbank), Internet banking.

what is the punishment for the lack of OSAGO

Other punishments

In 2018, only fines apply for driving without insurance. Employees in the pastThe traffic police could restrict the operation of the car only because the driver does not have an OSAGO policy. Now the inspectors have no right to remove the state numbers from the car, to dispose of its evacuation. It is worth noting that if a person is not included in the insurance or has forgotten the policy, the amount of the pen alty is not so high compared to other articles. But you need to be aware that there may be several administrative pen alties, and the total amount that needs to be paid can be quite significant. At the same time, changes in administrative legislation on the right to pay half the amount within twenty days also apply to the article on violation of compulsory insurance norms (CAO RF 12.37). It is quite possible that pen alties for not having a policy will soon be increased to 2,500 rubles, since amendments have already been drawn up in the Code of Administrative Offenses of the Russian Federation.

Fine for driving without insurance for legal entities

OSAGO policy is required not only for individuals. No corporate car can go on the road without insurance. The limits set by the state are quite modest, but you need to know what each of us pays for. Legal entities have the opportunity to issue OSAGO for corporate vehicles and then turn on DSAGO. Thanks to voluntary liability insurance of citizens, you can protect yourself from a fairly large number of risks.

What is the pen alty for driving without OSAGO for legal entities? We will tell below.

In order to issue and calculate insurance,you just need to apply with a certificate of state registration of the car to the insurer. Legally, discounts for legal entities are not provided. The cost of the policy does not depend on the number of vehicles in the park. Each car is insured separately. The only discount is for a lossless ride. In a word, if possible, you can force the insurer to give a certificate that there were no accidents over the past year. A large car park is always a favorite place for scammers. To prevent various troubles, you need to come to the insurance company in person, and it must operate under a license.

The fine for lack of OSAGO for legal entities is imposed on the driver.

Possible misconceptions

To get rid of misconceptions about what an OSAGO policy is, you need to know the costs that are covered by it. Insurance protects:

• of the driver and passengers of the transport that the owner of the OSAGO policy crashed into;
• beneficiaries of the victim who was severely injured or died in an accident;
• when the insured person causes damage to other vehicles;
• if damage was caused to one or another injured party.

The OSAGO policy is primarily a guarantee for affected citizens. It is they who have the right to apply to the insurer for compensation in the event of an insured event.

The insurance company gives guaranteed payments from 120 to 400 rubles. Larger amounts are collected through the courts. The conclusion of DSAGO greatly simplifiesreceiving money. An additional contract allows insurance for only 1,000 rubles, but it has compensation in the amount of a million rubles. Are not insured events:

• damaging when using another vehicle that is not specified in the policy;
• contributing to lost profit, causing moral damage;
• causing harm in the process of using a vehicle in training, training or competition;
• causing damage to the goods being transported, when the risk of such liability must be insured under OSAGO;
• pollution;
• causing harm to the he alth and life of employees when compensation is provided for by the insurance contract;
• causing damage to a car, trailer or other property by a driver;
• obligations to compensate for losses to the employer in case of harm to the he alth of an employee;
• causing harm while loading and unloading goods;
• destruction and damage to antiques and valuables.

Compensation is not paid if there is clear intent in certain actions of the victim. Insurance does not cover force majeure, nuclear explosion, civil war, radiation, civil unrest. If you want to protect your vehicle from theft, additional CASCO insurance is recommended. A fine for the absence of OSAGO is the only guarantee in case of an accident for the perpetrator and the victim. In this case, the savings are unjustified: atthe insurance policy helps to save a significant amount and protect yourself financially and morally in case of an accident. It is the fine, whose maximum amount is 800 rubles, that can become a motivation for car owners to issue DSAGO and OSAGO policies.

Camera fines for lack of OSAGO

Moscow authorities from November will start using cameras to identify car owners who do not have an OSAGO policy. This is exactly what Vedomosti was informed about by a representative of the TsODD, which, among other things, is engaged in servicing the capital's video and photo fixation. According to him, databases are currently being combined, due to which motorists without insurance will be identified.

Repeatedly the project was postponed. Its launch was planned for the beginning of 2016. Then it was said in the message of the PCA that in the absence of information about the OSAGO policy in the database, a fine would be automatically issued and sent to the owner as many times as he drove past the cameras without insurance. However, the launch was postponed. The camera check was supposed to start in September 2018, but has now been postponed to November.

E. Ufimtsev, the executive director of the RAMI, said that in the capital in the summer they tested the system for checking insurances with cameras in a test mode. During one day, about 4.5 million motorists were checked, and only 6% did not find information in the database about the presence of an OSAGO policy. In Moscow, 58,411 people without insurance were identified in 7 months.

Currently, the fine for not having a policy is 800 rubles. When the camera verification system is launched, all Moscow drivers will have mandatory insurance, according to a representative of the PCA. After the system is tested in Moscow, it will be extended to the regions where similar indicators are expected to be obtained.

What is the punishment for the lack of OSAGO insurance waiting for a motorist, now it's clear. What are the conclusions?

Conclusions

Although the size of pen alties for driving a car without insurance is not so high, such pen alties are applied to the driver every time the traffic police inspector checks the documents. Thus, the amount of fines in general for the absence of a policy can grow to impressive figures. To prevent this from happening, you need to insure your car on time and carefully monitor that the document is not overdue. Only in this case, the driver will be reliably protected both from possible road risks and from pen alties in the form of punishment for the lack of OSAGO.