Penalty For Driving Without An OSAGO Policy

2024 Author: Bailey Albertson | [email protected]. Last modified: 2023-12-17 12:53

What is the penalty to pay for driving without OSAGO insurance

According to the legislation of the Russian Federation, each driver is obliged to apply for an OSAGO policy. Nevertheless, there is always a forgetful or careless car owner who takes out insurance at the wrong time, makes mistakes in registration or forgets about registration at all. Let us explain what the consequences await irresponsible and forgetful motorists for the violations committed due to the absence of a policy and errors in its registration.

Penalty for a policy that is forgotten at home

The most common violation by insured drivers is the lack of a policy in the car. That is, the policy was issued on time and in accordance with all the rules, only forgotten at home or at work, or lost. If you cannot show it to the traffic police inspector, then you will be charged a fine of 800 rubles, and this is not taking into account other offenses for which your car was stopped. You can prove the existence of insurance by informing the inspector about the insurance company, the contract number, the manager's phone number and other data necessary for confirmation. If the inspector can verify the availability of insurance using your data, then the penalty amount will be 500 rubles. Most often, it is difficult to prove this: not everyone remembers, and even more so no one writes down this data, so most likely there will be a number in the protocol,as for the lack of insurance - 800 rubles. This decision can be challenged as follows:

you need to submit an application to the head of the traffic police

explain your situation in it

attach a copy of your forgotten policy to the application

after consideration of the application, the amount will be reduced to 500 rubles

Today there is a special computer program that started working in 2015. This program allows traffic police inspectors to quickly "break through" the presence of a policy for any citizen. In order to avoid fines and subsequent appeals, it is recommended to always have at least a photocopy of OSAGO in the car.

Many drivers issue their policies electronically. Then, to confirm its presence, you need to have a printout in the glove compartment of the vehicle. It is difficult without such a printout, since the base of electronic insurance is far from ideal, and it is not always possible to check its availability without having a printout.

Penalty for driving in an unintended period of time

This mistake is made by all newbies, and experienced drivers sometimes find it difficult to understand why they are being fined. When issuing an OSAGO policy for a year, indicating the period of use of transport, you need to remember this period. For example, the policy is issued for a year, but with a period from March to October (the months may be different), but you needed to get behind the wheel in December. This period goes beyond the scope of the document. It would seem that you have a policy for a year, but the period prescribed in it is less than a year, so driving a car during a period not provided for by the policy is fraught with a fine of 500 rubles, and you will not be able to appeal against it.

Penalty for a driver who is not in the insurance

It happens that we give our car a ride to a brother, father, wife or friend. Such situations periodically happen in life, but many miss one important point: if a person who is not included in the insurance policy drives a vehicle, even if all other documents are in order, the owner of the car cannot avoid administrative liability - he will simply be fined. In this case, an amount of 500 rubles is required. Therefore, if, due to the current need, other people can drive your car, it is better to indicate their data in the insurance, or take out insurance indicating an unlimited number of people who can drive your car. In it it will be noted "no restrictions". By registering in this way, you will avoid fines for driving without insurance.

Penalty for lack of insurance (or insurance that you forgot to renew)

For driving without insurance, or when they forgot to extend it, a fine of 800 rubles is provided if the car is stopped by the traffic police inspector and requires the presentation of documents. In the event of an accident, the guilty driver of the uninsured car will reimburse all damage caused at his own expense. Also added to this damage is 800 rubles for the lack of a policy. However, the law provides for permission to drive vehicles without insurance. After purchasing a car, the driver has the right to ride without a policy for 10 days.

Since 2019, the law only provides for a fine for the lack of a policy. Previously, traffic police officers were allowed to restrict vehicles in operation for this offense. Now the removal of state numbers from cars and their evacuation by traffic police inspectors in such an offense is illegal, they no longer have the right to do so. At the same time, inspectors can fine per day for such an offense as many times as they like. According to the law of the Russian Federation, it is strictly forbidden to drive without OSAGO. The law does not provide for toughening measures for repeated violations. Therefore, the second and subsequent penalties will also amount to 800 rubles, like the first.

You have the opportunity to reduce the amount of the payment in a simple way: pay the collection within 20 days from the date of the penalty order. In this case, the offender is entitled to a 50 percent discount and pays only 400 rubles.