Buying a vehicle, every driver faces the problem of registration of the insurance policy. A dare to go without it for more than 10 allowed days. How many drivers – so many reasons, but they are punished with an administrative fine.
What is driving without insurance
The insurance policy is missing in several cases.
- policy issued, but not to the driver;
- behind the wheel is the person whose name is not in the document;
- the paper has not been discharged;
- the document is overdue.
The presence of policy OSAGO is obligatory and is regulated by the following documents:
- The rules of the road;
- Federal law №40;
- The code of administrative offences of the Russian Federation.
The penalty for lack of insurance
With many drivers it happens that they are inside a vehicle without paper on insurance. However, the document issued is valid, but the motorist forgets it at home. In this case, the representative of traffic police can make a motorist a warning or to apply the sanctions – monetary fine. In 2016 the penalty for no insurance within the transport is 500 p.
The fine for overdue insurance
As is well known to most drivers, placing the documents on the insurance policy car insurance is issued for exactly 1 year. Drivers who do not intend to use his vehicle throughout this period, can reduce the validity of insurance. For example, gardeners draw up auto insurance from April to September. Insurance will cost less, but run the car as not provided for by the document, the company is not permitted.
Many people wonder how you can go after the insurance of the insurance. This period is better not to wait and to start making the new form in advance. If the inspector accuses you of movement at this time, he has the right to charge you a fine for driving without insurance in the amount of 500 p. When the insurance form is overdue, for example, you forgot to renew the policy, the violation is considered more serious. Then the negligent driver will impose penalties in the amount of 800 R.
For driving without insurance on another vehicle
While driving may be a different situation. For example, the motorist cannot control their vehicles. If there is a person able to drive a car, but not inscribed in the document, the wheel can take it. However, it is considered a violation. In this case, the traffic police may charge you with penalty for napisannogo the insurance of the driver. The amount of such payments will be 500 R.
The penalty for lack of insurance
Still there are drivers who deliberately do not want to purchase a car insurance policy. In this case, no document is considered as a dereliction of duty of a citizen’s personal liability insurance. The man, who obviously is no insurance – offender. It’s worth remember anyone who operates the car. In the end you can get a fine for driving without insurance, equal to 800 p.
What is the penalty for expired insurance in case of accident
When traveling without documents you are exposed to constant risk getting a fine for driving without insurance because it is considered a violation of road traffic. Especially the big funds will have to spend in case of an accident. In this situation, no matter whether you are the perpetrator or the victims. With the motorist being fined for lack of insurance policy, which is equal to 800 R.
If you are the perpetrator of the accident, in addition to the fine for driving without insurance, you must pay for the damage done to the vehicle and the victim, on their own. Payment of moral compensation is similarly paid out of his own purse. The amount of damage will establish an independent Commission, which has the right to contact the victim. The funds will be recovered from the perpetrator through the court, so such situations it is better to avoid.
How and where to pay the fine for driving without insurance
To pay the penalty for operation without a form of insurance in several ways. For example, using the Internet:
- on the official website of the traffic police;
- through the website of public services;
- in Sberbank Online;
- using the service of e-wallets.
For the payment of the penalty for driving without insurance you need to fill at the selected site in a special form. Checking all data, transfer funds. In the form you need to submit the receipt number issued to you by the inspector. Payment made in this way will save you from being stuck in queue, but you can lose additional money on the fee. In addition, you will not receive confirmation of receipt of funds.
Through the Bank, it is also possible to make the payment. People who are not used to trust the Internet or SMS banking, you can pay a fine for driving without insurance in the Bank. Details:
- Not every Bank provides this service. To determine which financial institution is best to visit, easily with the help of the website of the Federal Treasury.
- Payment without a fee is not possible, but it is small, less than 50 rubles.
- The Bank will issue you a receipt confirming the transaction, which will give you more assurances that the recovery will be extinguished.
Are there penalties for driving without insurance
Many worried about what will happen for driving without insurance. Today is a violation punishable by a monetary penalty, the amount of which is determined by the reason why the policy is missing. Per day for one driver may not be issued more than 2 receipts. Other penalties for failure to comply with responsibilities associated with insurance, not provided. Trial awaits the motorist, if he is the culprit, but insurance papers was not found.
Video: driving without insurance
Andrew, 32 years:
Faced with a problem when making policy avtostrahovanie, had to go without him. Met several times with the traffic police, was in a different situation. A couple of times was released, I took a statement for a document, and the traffic police know about the situation with registration. However, in most cases, had to pay a fine.
Basil, 40 years:
Stopped by the traffic police when I was driving without a document, I forgot the paper at home. The inspector got polite, to listen to me carefully, checked that I have insurance. The result of the conversation was only a warning, but I will continue to pay attention, do not leave the insurance policy of the building: the recovery did not want to pay.
Dmitry, 43 years:
Recently became the participant of road accident, and I had expired insurance. Lucky that I did not recognize the culprit. Escaped the penalty of 800 roubles. Immediately went and insured my car. With the policy drive was much quieter, there is less worry about an unexpected meeting with a fellow inspector.