What is the penalty for the lack of car insurance? How much do you have to pay for the lack of insurance?

Probably, most drivers had situations when they had to break traffic rules and go without OSAGO. According to the current rules, a fine is levied for the lack of insurance. Regardless of whether the OSAGO policy was forgotten at home, whether it is overdue or not at the driver's level, this is an offense. If a DPS officer stops, sanctions are provided for him. Let's consider each of the situations separately.

Polis stayed at home

If the insurance exists, but the driver left her at home or in some other place, he will have to pay a fine for the absence of insurance in the amount equal to 500 rubles. The offense is fixed in Article 12.37 of the Code in part one.

On the other hand, employees have the right to doubt the availability of the policy. And if it is impossible to prove it, then the offense can be equated with the absence of the document as such. Then the offense is qualified under Article 12.37 of the Administrative Offense Code of Part Two, and the penalty for the absence of insurance this time is 800 rubles.

Inspector is always right

It should be noted that the DPS officer will be right in both cases. Therefore, complaining about these actions in the future will become meaningless. It turns out that everything depends only on the driver. For example, he can ask someone close to bring a policy or go for him on his own, leaving the car at the traffic police department. But if there is simply no time for this, then in the protocol drawn up in the corresponding paragraph it should be noted that the driver does not agree with the decision of the traffic police officer, as in fact the insurance policy exists, but he was forgotten at home.

In this case, it is possible to pay a fine for the absence of insurance in the amount of 500 rubles. However, you should prepare for additional troubles. It is necessary nevertheless to drive up to the traffic police department together with the policy and write a statement to review the article of the Code of Administrative Offenses, which has been brought to administrative responsibility.

But if a DPS employee has a good mood, then maybe the driver will manage to get by with an oral warning, after which he will go home for the policy.

If the driver specifically does not carry a policy with him, for fear of losing it, then at least carry a photocopy of the document in the glove box. Fine traffic police for the lack of insurance still have to pay, but there is no longer a dispute about which article to qualify the offense, and you only need to pay 500 rubles.

Riding without insurance

Once, in 2008, you could safely travel without a policy for a month after the previous policy expired. It may seem strange, but today there are drivers who naively believe that such a rule continues to operate.

However, this is not the case. Even if several minutes have passed after the previous OSAGO has expired, a DPS officer who has stopped a driver qualifies such a driving as an offense. What punishment will follow? The amount of the penalty for the lack of insurance in this case will be equal to 800 rubles.

Whatever circumstances the driver has prepared for an explanation, they will not help. In addition, we should not forget that the policy is no longer issued without a technical inspection. Therefore, you should prepare well in advance and take care of getting both documents on time.

The only circumstance justifying driving without insurance is buying a car less than 10 days ago.

Overdue insurance

What a penalty for the lack of insurance follows, we found out. Let us now imagine that the insurance policy exists, but it is overdue. From the above, it is clear that this too is an offense. But what punishment will follow? An overdue policy is equated with its absence. Therefore, the offense is qualified by Article 12.37 of the Code of Administrative Offenses, part two, and is punishable by a fine of eight hundred rubles.

Thus, bad memory in this case will turn out not very pleasant consequences for the purse. Therefore, it's best to remind yourself again in a couple of weeks, how the policy will expire, about the need for a replacement.

The driver is not inscribed in the insurance

It also happens that the one who drives the car is not inscribed in the insurance policy. Then, despite the current OSAGO, the penalty still have to pay. Moreover, this duty does not even apply to the driver, but to the owner of the vehicle. After all, he entrusted his car to someone who is not inscribed in the insurance document. And therefore he is responsible for these actions.

For such an offense will have to pay 500 rubles. If the driving is assumed by other persons, they should be indicated in the policy. Even if initially it is issued only for one driver, it is not difficult to re-arrange it. To do this, it is enough to come to the office, pay the difference and get a new OSAGO.

Some craftsmen, however, are trying to quickly draw up a power of attorney at a time when a DPS employee who stops the car comes to her. Of course, you do not need to confirm with a notary, and enough paper is filled in by hand. However, considering all the items that should be contained in it, it is unlikely that in such a short time it will be possible to make everything right. The power of attorney for driving a motor vehicle should ideally contain:

• Data of the owner's passport;
• Information about the car;
• Data of the driver's passport, which is entrusted to management;
• The alleged actions with the car.

That's how much you need to write to ensure that for the employee DPS document seemed quite convincing. Therefore, if a single trip with a driver is planned, which is not inscribed in the policy, you need to take care of this and draw up a power of attorney before the trip.

Attention: seasonal policy of OSAGO

The usual term for which insurance is issued is one year. But if you do not expect the car to be used all year round, you can also issue a seasonal document. However, at the same time, if it does happen that the driver will need to drive and be stopped by a traffic police officer, he will receive a penalty similar to how much (for the absence of insurance) the offenders pay, that is, 500 rubles. And these payments will have to be made every time the driver is stopped.

Conclusion

The conclusion from the above is unambiguous: it is necessary to think about the design of insurance, while the previous one still acts. Add to this, and this is an unpleasant moment, like getting into an accident. The amount of the penalty for the lack of insurance will be imposed then in the normal mode. But besides this, the offender will have to pay for his damage from the pocket for the damaged car of another participant in the accident, if he is found guilty in it.