Penalty for overdue insurance in 2015

According to the law, every car owner must annually insure his car. Obligatory policy, which must be purchased, is OSAGO. However, some unscrupulous drivers are in no hurry to re-register the new contract and continue to travel on roads with an expired document. Naturally, this is prosecuted by law, and for such a violation it will be necessary to pay a fine. About what the penalty for the delayed insurance in 2015 is charged, will be told in this article.

Validity period of the policy

When signing a new insurance contract and paying for it, you first need to ask about the term of its operation. This fact is simply necessary to find out, then not to ask the inspector: "What is the penalty for overdue insurance?".

In the recent past it was possible to acquire OSAGO for a minimum period, which was only three months. In 2015, the policy period has increased to one year. Thus, after the expiry of twelve months after the conclusion of the insurance contract, the driver is obliged to extend the OSAGO or to purchase a new one from another insurer. If, for some reason, the car owner has not been able to buy a new insurance or simply forgot to do so, the company automatically prolongs the period of the compulsory contract without the participation of the policyholder. If, two months before the termination of the policy, the driver informed the insurer that he will not renew the contract, then the company terminates it on the next day after the expiration of the term. Thus, the car owner does not have MTPL unless he, of course, has bought a new one in another organization.

Overdue insurance and accidents - consequences

Often there are such situations that in the event of an accident, the guilty party has an overdue MTPL policy. What to do and what penalty for overdue insurance in this case? The fact is that there are several options, depending on which the penalty will be calculated. For example, there is a period of validity of the policy, and there is a period of use of the vehicle for insurance. If the car owner uses the car only a few months a year, then the insurance contract indicates this period. In case he got behind the wheel in the month that is not registered in the policy, and made an accident, his OSAGO will be considered as overdue. Then the infringer is threatened with an administrative penalty, which is written out by the traffic police officer. Penalty for the overdue insurance of OSAGO will be 800 rubles. It can be paid in any branch of the bank or through payment terminals using the payment system. By the way, to restore the damage caused to the injured party will be the culprit of the accident, not the insurance company.

Penalty for driving with overdue insurance

In the event that the car inspector stopped the car, and the driver did not have a compulsory insurance policy, he will write him a fine of 500 rubles. Indeed, there are cases when OSAGO remains at home because of usual forgetfulness. Then the car owner can appeal against such decision of the traffic police officer in a judicial procedure. Only this should happen no later than 10 days after the protocol was issued. This fact does not mean that the presence of an active policy allows drivers to travel without it. Thus, the current insurance must be in the car at the moment when the driver manages it. Its absence is an offense, and then the car owner will be charged with an administrative penalty of 500 rubles and be equaled as a fine for overdue insurance.

How can I extend the policy?

It is enough to come to the office of the company and write a statement on the extension of its validity. The agent will make these changes to the database and register a new contract for another year. The driver only needs to pay CTP for the tariffs that will be in effect for the next period.

If the car owner was caught on the fact that he was driving the vehicle at the wrong time that he indicated in the contract, in addition to having to pay a fine for the delayed insurance, so also it will be necessary to pay extra for the policy.

How to write another driver

There are options when the vehicle is issued to the company, and the driver who manages it, fits into the insurance. If this did not happen, then in case of stopping and checking documents, the penalty will be issued to the company. Therefore, before sending to the route of their employees, you should make sure that they all have the right to drive this vehicle. To enter into the insurance policy of persons who in the future will also manage the car, it is necessary to inform the company agent when signing the contract. The calculation factor will then be slightly different than when calculating for one driver. There is a logical question: "And how much penalty for overdue insurance will be in this situation?". Everything remains the same as with individuals, that is, for refusing insurance - 800 rubles, for forgotten insurance - 500 rubles.

If the new driver appeared after the policy was issued, you should immediately go to the office of the organization and pay an additional amount for making changes in the calculation of insurance.

Helpful Tips

Thus, from the above, we can conclude that there are several types of administrative penalty for the lack of a policy. And what kind of penalty for overdue insurance will be written out by a traffic police officer, will be decided solely by him depending on the situation. The most rude offense, according to the law, will be the driver's refusal to insure his civil liability, for which he needs to pay 800 rubles. And so every time he is stopped. In other cases, as mentioned above, a fine of 500 rubles and the removal of license plates in all situations.

Naturally, it will be cheaper to buy one policy, than each time to pay a fine for the delayed insurance. Moreover, every year the amount of sanctions increases, and soon they will be equated to the full value of the annual contract for the protection of motor third party liability.