Is it possible to drive without compulsory motor insurance?
Having your own personal car eliminates many inconveniences that may occur during work and at other times. Thanks to having a car, you can easily get to work or make business trips without having to obey the rhythm of public transport.
But at the same time, it is important to comply with all laws established for car owners. Otherwise, you may face serious penalties in the form of fines and deprivation of your driving license.
Is it possible to drive without compulsory motor liability insurance in 2017-2018?
Any law-abiding citizen, after purchasing a car, is required to obtain a proper document that allows him to freely travel any routes on the roads. OSAGO is insurance of a car, the liability of a citizen who owns and uses a vehicle.
This is one of the most mandatory procedures, the provision of which is enshrined in law. And any violations in this case will undoubtedly entail the most negative consequences.
People who own a car and use it for their own purposes must obtain insurance for their vehicle.
If this does not happen, the car owner will be considered a violator of the law, a person who has committed an administrative violation.
In this case, he faces the risk of having the signs removed from his personal car, as well as paying a substantial fine. That is why it is necessary to take care of compulsory motor liability insurance in advance.
Is it possible to drive without MTPL if you have CASCO insurance?
CASCO is an affordable type of car insurance. But it can only be considered as an additional insurance method, but not excluding compulsory motor liability insurance.
Its function is that in the event of an emergency, the interests of the car owner will be maximally protected.
In such a situation, a certain amount of damage will be paid to both the insured owner and the second participant in the traffic accident, if he is at fault.
Quite often, CASCO is able to cover the insurance policy in full. Many car owners are perplexed, not understanding why they need OSAGO if they have CASCO, which performs an all-important insurance function.
But according to established legislation, even if you have CASCO insurance, it is mandatory to have compulsory motor liability insurance. This is very important for car owners. And if they do not want to have troubles while using their car, they simply must take care of purchasing an insurance policy of this type.
Is it possible to drive without compulsory motor liability insurance after purchasing a new car and in the first 10 days
When purchasing a car, a person strives to start using it for his own purposes as quickly as possible. This is especially necessary if the car plays an important role in business affairs or allows you to quickly get to work. At the same time, the law requires immediate vehicle insurance.
Since obtaining an insurance policy takes some time, and you need to use the car immediately after purchase, driving without compulsory motor liability insurance is allowed. But only if the car was recently purchased, very little time has passed.
There are certain time frames that are appropriate in this case - no more than 10 days from the date of purchase of the car.
This is exactly how much time is allocated to the car owner in order to obtain insurance and then drive freely around the city without encountering any troubles.
This point regarding the purchase of a car and registration of an insurance policy is highlighted in the legislation.
According to the law, a person who is the owner of a car that he recently purchased can only drive his car for 10 days without compulsory motor liability insurance.
If more than ten days have already passed and insurance has not been issued, the car owner risks becoming a violation of the law and paying a considerable fine if such a violation is discovered by traffic police on the roads.
If 10 days have already passed from the date of purchase of the car, you should not use it for driving on the roads until the proper insurance policy has been issued. The right of ownership begins at the moment of purchasing the car, from this moment no more than ten days should pass, during which the owner has the right to drive without an insurance policy.
A period covering 10 days from the date of purchase of the car is allocated specifically so that the owner has the opportunity to obtain insurance during this time. At the same time, used cars are no exception; they, just like new ones, must be insured.
The terms for insurance are similar.
In order to avoid serious problems while driving on the roads within 10 days, while insurance has not yet been issued, it is recommended to take with you the purchase and sale agreement, which in this case can fully serve as a document.
Video: is it possible to drive without compulsory motor insurance?
Source: https://realguy.ru/mozhno-li-ezdit-bez-osago.php
Is driving without insurance allowed?
There are times when a car owner does not have time to renew insurance on time. On this occasion, he quite reasonably has a question: is it possible to drive without insurance? This is an absolutely justified question, the answer to which is clear in any case - no! Similar situations arise everywhere, this topic is always relevant.
Anyone, even a novice driver, should know how to behave correctly in such a situation. Another important issue is related to driving someone else’s car, when the car owner does not have insurance issued in his name.
What to do if a driver, while driving his own car, has an expired insurance policy due to incorrect information provided on it? We will try to deal with all possible situations and the correct way out of them.
Will there be no fine?
In 2016, as in several years earlier, the fine for driving without insurance is considerable.
However, this cannot be avoided even if the person actually paid for valid insurance, but it was not detected when the traffic police officer checked the documents. There are times when this document was left at home.
Punishment for such types of vehicle drivers is still applied; forgotten insurance will not save you from paying monetary sanctions. A negligent motorist will receive a penalty of 500 rubles. Some drivers often try to “negotiate” or “pressure pity.”
Actions of this kind may not be understood by a patrol service employee; a policy forgotten somewhere will be equivalent to its complete absence, which is why you will have to pay for your forgetfulness not with 500 rubles, but with all 800.
Driving without insurance in 2016 can set the vehicle owner up, since no dissatisfaction on the part of the motorist will help him get back the money he paid.
Complaints sent to the courts will not help; the law will remain on the side of the traffic police officer, who will be right.
The only thing that can mitigate such an absurd situation is a plausibly surprised face, on which it will clearly be “written” that the insurance somehow miraculously turned out to be separate from all other documentation.
Even if you fail to catch the inspector using such an honest trick and he starts issuing a fine, you must write on the form about your disagreement with the decision made. Without considering the punishment justified, its exact reason must be indicated.
Discounts on new cars! Advantageous loan from 9.9%
Installment plan 0%
If everything is done correctly, the issue of collection will be resolved only during a visit to the traffic police with a document such as an MTPL policy. To do this, confirm its presence with such papers as:
- a handwritten statement addressed to the head of the traffic service. It should contain a request to re-read the article of the Administrative Code;
- a mandatory photocopy of the insurance in hand.
Therefore, you should not torment yourself with the question of how long you can drive without insurance. If you start driving a car without such a document, then at the first stop by traffic police officers you can get a fine. If you are afraid to carry your policy because of the increased incidence of theft, make a copy and take a copy with you.
How to avoid paying a fine?
It is no secret that for driving a car in 2016 for which insurance was not purchased, the driver will have to top up the traffic police account. The same punishment will be applied to all car owners. Naturally, there are lucky people who can travel for more than one month without the necessary documents with impunity.
At the same time, they tell other vehicle owners about this, that supposedly nothing threatens them, and they just need to find a way to escape from responsibility.
We hasten to convince gullible people that several years ago, more precisely until 2008, it was possible to do without a fine, but for 8 years now the bill with relaxations has not worked.
There are a number of reasons that make traveling in 2016 without an insurance policy simply expensive; every car owner should know them:
- the driver at fault for the accident will pay for all damage that requires restoration, as they say, “out of his own pocket”;
- OSAGO will be issued only if the vehicle is thoroughly inspected by employees of this organization, which will help protect the car from unexpected malfunctions.
In controversial issues, when it comes to how long you can drive without insurance, you can get a rather unexpected answer. It turns out that driving a car in 2016 is possible without an insurance policy, but only for the first 10 days from the date of purchase.
The person driving is not registered in the insurance policy. What to do?
There are times when driving a car is entrusted to one of our good friends. A driver stopped for inspection will certainly be fined. According to the law, another person can be behind the wheel of someone else’s car only if the real owner has an unlimited policy in 2016; in all other situations, this person will face a monetary penalty.
If you often have to share a personal car with many friends and family, it is better to purchase such a document in the near future so that you do not have to regularly shell out 500 rubles for fines.
However, in 2016, if at the time of the stop by the traffic police officer the owner of the vehicle is in the car, but not in the driver’s seat, you can try to get by without a fine. A power of attorney that does not require notarization will be a lifeline.
True, it is not always possible to get by with a hastily written piece of paper. To do this, the following conditions must be met:
- the power of attorney clearly indicates all the passport details of the vehicle owner;
- correct information about the car;
- contact details of the person currently driving the vehicle;
- the exact actions that the authorized person can perform with the car are indicated.
To avoid impending punishment, it is best to write such a document in advance, in a calm environment, so that you do not have to pay a fine for driving without insurance.
Conclusion
Everyone knows that in 2016, as before, the conclusion of an MTPL insurance policy is valid for exactly one calendar year.
If a car owner wants to pay a smaller amount for insurance, due to the fact that, for example, he only needs the car in the summer, then he can drive this car without fear of being sued only during the specified time.
Traveling during other periods of the year may result in a fine of 500 rubles. An irresponsible attitude and one-time trips “at random” can turn into a series of unpleasant and unnecessary waste.
Source: http://CarExtra.ru/straxovanie/razreshena-li-ezda-bez-strahovki.html
How long can you drive without MTPL insurance?
Invalid campaign token
Driving without insurance (compulsory MTPL insurance policy) entails administrative liability, namely the imposition of a fine. Is it possible to drive without MTPL insurance for at least some time if there is a good reason? What other consequences could a lack of insurance have? Read in the article.
What is OSAGO?
OSAGO refers to a compulsory type of transport insurance, i.e. Every owner of a vehicle must take it out, regardless of whether he considers taking out insurance a necessary or unnecessary action.
Why is this insurance needed?
- If a motorist, through his own fault, becomes involved in a traffic accident, the insurance company from which the insurance certificate was received will compensate for material damage caused to the driver of another vehicle (victim);
If the MTPL insurance policy has expired, then in the event of an accident, the damage caused will have to be paid out of your own pocket.
The main difference from other insurance (CASCO) is the scope of the insurance: in the event of a road accident, damage caused not only to transport, but also to all injured participants in the accident (passengers, pedestrians, bystanders) is compensated.
- The insurance policy insures the liability of its client, i.e. in the event of an insured event (traffic accident), the insurance company assumes full responsibility for the damage caused (material);
- The culprit of a traffic accident, who has an MTPL insurance policy, does not pay anything;
The culprit of an accident who has an MTPL insurance policy will have to pay for material damage from his own pocket only if:
- The insurance policy has expired, i.e. the driver is actually driving without MTPL insurance;
- If the amount of moral damage caused exceeds the amount for which the car is insured under the insurance policy. As a rule, the amount of insurance under the MTPL policy does not exceed one hundred and twenty thousand rubles;
Driving without MTPL insurance
The traffic rules state that the MTPL insurance policy and driver's license must be provided to traffic inspectors upon request.
If the MTPL policy is not provided at all (for example, the driver forgot it at home), then the road patrol officer may limit himself to a warning. However, if upon presentation of the insurance policy it is discovered that it is expired, the driver will face penalties, since the driver is actually driving without MTPL insurance.
There is no point in trying to challenge the fine issued to the driver, since the actions of the road “guards” in this case are absolutely lawful and legal.
However, the Road Traffic Regulations stipulate cases when you can drive without insurance. Let's look at them in the next section.
When can you travel?
When driving without insurance, the driver is not always issued a fine. According to Article 4 of the Federal Law “On Compulsory Civil Liability Insurance of Vehicle Owners,” you can drive without MTPL insurance in the following cases:
- At the time of purchasing a vehicle and signing the corresponding agreement;
In this case, the Law makes a certain “concession” to the new car owner, since he just received the right to the vehicle and did not have enough time to issue an insurance policy.
- At the time of receipt of the vehicle under a deed of gift/will;
So, after the death of his stepfather, the son inherited his car six months later (after he entered into the right of inheritance). For some time he is allowed to drive without MTPL insurance.
- If the driver is driving a company vehicle that was issued to him at work;
In this case, he does not need to take out MTPL insurance at all.
How long can you drive without compulsory motor insurance?
According to Article 4 of the Federal Code, you can only drive without MTPL insurance or with a policy that has expired for ten days.
So, if a driver has just bought a car, then he can drive without insurance for only ten days. If, when stopping and checking documents by a road inspector, it turns out that the car owner has been driving without insurance for more than the period prescribed by law, he will be issued a fine.
Ten days are counted from the day following the purchase of the vehicle and end at midnight exactly ten days later (including weekends).
Why exactly ten days? The law provided for this period so that a new driver would have enough time to register a car, undergo a technical inspection, obtain a diagnostic card, and only after this receive compulsory motor liability insurance.
As for driving with an expired MTPL policy, the Law does not provide for a specific time frame for replacing it. However, you need to remember that in the event of a traffic accident, the driver will have to compensate for material damage on his own.
Check the validity period of your MTPL policy:
Source: https://dtp.help/skolko-mozhno-ezdit-bez-strahovki-osago.html
Is it possible to drive without insurance and what is the fine?
OSAGO insurance
Today, the rules establish that no driver has the right to drive a vehicle if he has any problems with insurance or the owner of the vehicle simply does not have it.
What to do if you forgot to renew your policy?
Or you bought a car, but then completely forgot that within ten days from the date of purchase of the vehicle you had to make a diagnostic card for the car and issue an insurance contract for it in order to avoid a fine and more serious consequences of non-compliance with insurance rules.
Or do you drive a car only for a specific season, for example, in the summer to the dacha, but in the search for seeds for the garden you completely forgot that tomorrow you will go to the dacha plot, and the insurance is not ready? Or maybe you have insurance and it hasn’t expired, but you forgot it on the desk in the office or it’s in another purse at home, and an inspector stopped you to check your documents and now you don’t know what to do in this situation.
Circumstances vary, so let's figure out how to resolve these issues and what punishment you may face for each of these points. There are cases that, for certain reasons, a car owner violates traffic rules by driving a vehicle without a car insurance policy.
The rules state that the responsibilities of a person driving a vehicle include the availability and transfer for the purpose of checking an insurance policy at the first request of a traffic police inspector.
The driver faces fines or a more severe punishment if:
- The MTPL policy has been abandoned or forgotten.
- The driver of the vehicle does not have an insurance policy.
- The person driving the car is not listed on the policy.
- The insurance policy is expired.
What to do if the policy is left at home?
If you have insurance, but for some reason you forgot it and cannot provide it at the moment, you will have to pay a fine of 500 rubles.
OSAGO policy
This is considered a violation of the second part of Article 12.3 of the Administrative Code, which applies only to those who actually have a forgotten policy.
A policy that was left at home can be considered missing altogether, and this will be a completely legal reason.
You must understand that a traffic police officer, when stopping your car, is not obliged to trust the words you say about the insurance policy you left at home; he may well issue you a fine of 800 rubles.
In this situation, the traffic police officer will be right, so there is no point in appealing the decision in court. Everything here will depend on how convincing you will look when it turns out that you don’t have the policy with you.
When the inspector issues a more serious fine, indicate in the form field that you do not agree with the decision, since the policy was issued, but was not taken into the car.
You'll have to work hard here. Typically, such a case will be resolved soon if the car owner arrives at the traffic police station with his valid insurance policy.
Then you will need to write a statement and give it to the head of the traffic police so that the punishment for the offense can be reviewed. The application must be supported by a copy of your MTPL policy.
It is possible that the first time you will only be warned, and you will be able to return for the forgotten policy.
Are you afraid that your policy might be stolen or lost? Make a copy and take it with you. Don't take the original.
This will prove that you have a valid insurance policy and also avoid a serious fine.
How much will you have to pay for driving without compulsory motor insurance?
There is a misconception among drivers that after the insurance runs out, you can safely drive without it for about a month. However, it is not. This was possible until 2008.
Driving without insurance is currently prohibited.
You face a fine of 800 rubles if you do not have a car insurance policy (Article 12.
37 paragraph 2 of the Code of Administrative Offenses of the Russian Federation).
There is no way you can justify not having a policy. If an accident occurs for which you are at fault, you will be responsible for paying for the repairs. Remember that the insurance policy is issued after you pass the technical inspection. It is likely that you will have to do without a car for some time. You can only drive without insurance in one case. Within 10 days from the date of purchase of the car.
The amount of the fine for an expired MTPL policy
When you do not have insurance or your insurance policy is no longer valid - essentially two identical violations. For this you face a fine of 800 rubles. If an accident occurs where you are found to be at fault, this could result in more serious losses for your wallet. A diagnostic card is a prerequisite for obtaining insurance.
There is only one rule, according to which insurance is not needed. Within 10 days following the purchase of the car. For this reason, do not forget in advance that you need to renew your MTPL policy.
What to do if you are not included in the insurance?
It happens that you have to get behind the wheel of a car, in the insurance policy of which you are not listed as a person authorized to drive this car. There is no way you can avoid a fine here, even if you are driving the owner of this car while intoxicated or acting in other unpleasant situations.
Do not trust the driving of your car to people who are not listed on your insurance certificate. Any person is allowed to drive a car if you have insurance without restrictions. When stopped by a traffic police officer, you will have to pay a fine of 500 rubles if the driver is a person who is not included in the insurance policy.
In a situation where you want to include additional people in your insurance, you need to pay the difference in insurance with the additional driver. Quite wise vehicle owners write a power of attorney for a person who is not included in the insurance, but drives the vehicle. A simple power of attorney without a notary signature is accepted here.
Items required to be specified in the power of attorney:
- Your passport details.
- Information about the car.
- Passport details of the person getting behind the wheel.
- What is this person allowed to do with the car (driving, registering, etc.).
It is better to write a power of attorney in advance.
Be sure to indicate the day the power of attorney was issued, otherwise it will be invalid. Therefore, if you need to put a person behind the wheel who is not included in the insurance and you cannot or do not have time to include him there, then spend some time writing a power of attorney in his name.
Features of seasonal compulsory motor liability insurance
As a rule, a car insurance contract is concluded for a year. But you can purchase insurance for a shorter period if you do not need the car throughout the year.
In this situation, you can freely drive your vehicle during the period specified in the insurance policy.
When the insurance contract has expired and you get behind the wheel, you will have to pay a fine during the inspection, which will amount to 500 rubles.
Drawing conclusions
Renew your insurance policy in advance. Otherwise, you will have to pay a fine, in the worst situation, you will be left without license plates or a car.
If you become the culprit of an accident, you will have to pay for car repairs from your wallet. Often this is a lot of money, perhaps we are talking about tens, or maybe hundreds of thousands.
It all depends on what kind of car you were unlucky enough to encounter on the road that day.
Before leaving your apartment or workplace, it’s better to make sure once again that you haven’t forgotten anything. Check the documents for the car especially carefully, including the insurance policy.
It’s better to spend a couple of minutes checking than to then spend more time issuing and paying a fine, or even more time.
And the worst option for you is the lack of insurance if an accident occurs due to your fault.
If your insurance has expired and you only discovered this before leaving, we strongly recommend leaving the car near your home until you renew your insurance in order to avoid possible troubles. And for those who have everything in order with insurance, we wish you a smooth road, may all potholes and breakdowns bypass you!
Source: http://autofeel.ru/soveti/2015/10/12/strahovka.html
Is it possible to drive without insurance? How long can you drive without insurance if it runs out? :
Every road user, and specifically vehicle drivers, must know not only their rights, but also the responsibilities provided for by law. One of the main responsibilities is to have a valid MTPL policy. Many people wonder whether it is possible to drive without insurance.
There is a precise answer to this question, which is: driving a vehicle without valid insurance is not allowed.
However, the legislation of the Russian Federation provides for one single exception, in which for a limited time it is still possible to drive a car without having compulsory motor insurance.
In order to avoid getting into an unpleasant situation on the road and be able to competently conduct a dialogue with a traffic police officer, you need to know this case exactly.
Buying a new car
If a car is purchased at a dealership or on a car market, the owner is allowed to drive without insurance for ten days after purchase. During this time, he is obliged to conclude an auto liability agreement with the insurance company.
The starting date of the time counting is the date specified in the purchase and sale agreement. Ten days are given to the owner of the vehicle (vehicle) in order for him to undergo a technical inspection of the car, receive a diagnostic card, issue a policy and, at the specified time, register the car with the traffic police.
Increasing the driving period without compulsory motor liability insurance
It happens that due to certain circumstances, the new owner is not able to take out a compulsory motor liability insurance policy.
Is it possible to find any way out in which you don’t have to pay a fine and have the opportunity to drive a car without insurance? There is a way out - this is to re-sign the purchase and sale agreement.
This option is only possible if the car is purchased not from a dealership, but from the previous owner, that is, “second hand”. It is not recommended to constantly renew the contract; this should be done only in case of emergency.
Possible consequences of driving without insurance
It is worth remembering that in the event of a traffic accident due to the fault of the owner of a new car who did not have time to take out a compulsory motor liability insurance policy, the costs of repairing the damaged car are borne by the culprit. If there was an MTPL policy, compensation would be paid by the insurance company. Therefore, before deciding whether it is possible to drive without insurance, you should rationally assess the possible negative consequences.
In order to avoid such a risk, you can either call an insurance agent to your home (most insurance companies provide such a service) or get to the company yourself (on foot or using a taxi).
Renewal of the MTPL agreement
Each vehicle owner must independently monitor the period during which it is necessary to visit the insurance company to renew the auto liability contract.
You can also agree with the insurance agent so that he will call you to warn you that the insurance period is ending.
It is not a valid reason for traffic police officers if the insurance ran out just yesterday. How long can you drive after the insurance period expires? The answer is categorical: not a single minute.
Experienced motorists know that it is necessary to worry about re-issuing a policy in advance.
Fines provided for by the legislation of the Russian Federation
This section is provided for those drivers who are still thinking about whether it is possible to drive without insurance. In order to dispel all doubts, it is enough to look at the code of administrative offenses. It describes in what case and in what amount a fine is imposed for driving without a compulsory motor liability insurance policy. You can learn more about all the fines in Article 12.3 of the Code of Administrative Offenses of the Russian Federation.
The amount of fines ranges from 500 to 800 rubles, but if, after imposing a fine, the owner still does not eliminate the administrative offense, then in this case the traffic police officer has the right to remove the registration plate from the car.
Many drivers mistakenly think that traffic police officers just want to charge them a fine, and when meeting them they ask: “How much?” Driving without insurance is prohibited! If the driver complies with all laws, then he will not face fines.
However, many people think that it is cheaper to pay a fine than to take out an insurance policy. Yes, insurance has now become significantly more expensive and can reach ten thousand rubles, or even more.
But, despite the fact that the amount of fines for driving a car without a policy is relatively small, experienced motorists still know that it is better to conclude a compulsory motor liability insurance agreement on time in order to avoid unpleasant situations on the road.
After all, the MTPL policy is needed not so much by the traffic police officers as by the owner of the vehicle, and this must be understood.
Why do many owners ask the question: “How long can you drive without insurance?” Don’t they themselves understand that this is dangerous and illegal? They know everything, it’s just that a few years ago the laws were different, which made it possible to do without compulsory motor liability insurance. The laws have changed, but they still remain in the drivers’ memories. And not only this misconception is still popular, but other, no less interesting myths are found among car enthusiasts. Here are the most common ones.
Validity period of OSAGO
Myth: after the end of the insurance period, the MTPL policy is valid for another month.
There really was such a law, but on March 1, 2008 it was repealed. Seven years have passed, and many drivers still cite it as an argument during a dispute with a traffic police officer. Yes, this law was convenient, especially when the driver actually forgot that his policy had expired. Unfortunately for many drivers, this law was repealed.
If you have a power of attorney, you don’t need an MTPL policy
An erroneous opinion, this clause has lost force since November 2012, when powers of attorney to drive a vehicle were canceled in the Russian Federation.
Persons entitled to drive a vehicle
A driver not named on the policy may drive the vehicle if the vehicle is owned.
Absolutely wrong opinion! Only persons included in the auto liability insurance policy can drive a car. Except for the case when the policy is issued without a limitation on the number of drivers. In this case, anyone can drive a car, but having insurance with you is a must!
No MTPL - to the impound lot!
For driving a vehicle without insurance, is the car taken to a parking lot?
No, neither the Administrative Code nor any other law of the Russian Federation provides for such a punishment. The maximum action that a traffic police officer can take is imposing a fine or removing the registration plate.
Moreover, he has the right to remove the sign only if the owner has already been fined for precisely this reason, that is, for the lack of an MTPL policy or for driving a vehicle within a period not provided for by the insurance policy.
These are the kinds of erroneous opinions found among motorists.
But none of them provides or assumes the occurrence of cases in which the question: “Is it possible to drive without insurance?” - becomes logical.
A compulsory motor liability insurance policy is necessary not only to avoid fines, but thanks to it, the insurance company will compensate for the damage caused in the event of an accident, which will allow you to save your own money.
Source: https://BusinessMan.ru/new-mozhno-li-ezdit-bez-straxovki.html
How long can you drive without insurance?
Registration of a motor vehicle license is mandatory for all car owners. But sometimes life circumstances develop in such a way that it is not possible to obtain insurance in the near future.
There can be many reasons for this - lack of time, money, the insurance company’s office is far away, etc. In this situation, the question “how long can you drive without compulsory motor insurance?” becomes relevant.
We will tell you in our article what ways to circumvent the legislation in this matter.
Is it possible without insurance?
You can't drive without compulsory motor insurance in Russia! This is the law and violating it will result in penalties. The only exception to this rule is the short periods of time that are given to issue an insurance policy. Previously, it was possible to drive without compulsory motor insurance for up to 30 days, but this norm showed its inexpediency and in 2009 it was abolished.
It is important to understand that an insurance policy is not a simple piece of paper that the state imposes on car owners in order to pump out money. OSAGO is a guarantee of your financial protection in the event of an accident. Due to the implementation of the law “On Compulsory Motor Liability Insurance” in Russia, the process of reimbursing funds to the injured party has become civilized and organized.
Buying a car and obtaining compulsory motor liability insurance
If this is a new car, then it does not require a technical inspection, and the policy can be issued directly at the car dealership. If the car is a used one, then 10 days is enough to go through all the stages of the procedure for registering for compulsory motor liability insurance.
It is important to understand that during this period there is also a risk of an accident. In this case, you will be required to pay all compensation to the injured party out of your own pocket. Therefore, you should not delay too much with compulsory motor liability insurance, otherwise the imaginary savings may cost you much more.
Amounts of penalties
How long can you drive without compulsory motor liability insurance after your insurance ends?
If for some reason you do not have time to apply for insurance on time, then the next day, after the previous insurance expires, you may run into penalties.
And if you are fined again for not having an insurance policy, then in this case you can also lose your state license plates. That is, the law does not provide any concessions for “busy” and “forgetful” car owners.
- Forgot your insurance at home (at work) - receive a fine of 500-one hundred rubles. Moreover, it will be possible to achieve justice only at the traffic police, but you will still have to pay a fine.
- If you drive a car during a period that is not specified in the policy, you will receive a fine of 500 hundred rubles.
- If your insurance expires or does not apply for insurance on time, you will receive a fine of 800 rubles.
If it’s not easy for you, they issued a fine, but also removed the state. numbers, you can stay in the saddle for a maximum of the next 24 hours. This time is provided by law for undergoing maintenance and issuing a new policy. If you do not meet the allotted time, you can no longer use the machine.
Wrong fines: practical recommendations
Not all inspectors carefully comply with the law “On Compulsory Motor Liability Insurance”, so they can easily issue a fine for lack of insurance even during this 10-day legal break. Moreover, they refer to the fact that this period is reserved specifically for obtaining insurance, but not for driving a vehicle.
Such actions of the inspector are illegal and aimed at extorting a bribe. Therefore, you can safely go to court with this fine, demanding that justice be restored, and at the same time receive moral compensation.
In order not to bring the matter to trial, you can try to resolve the issue on the spot by referring to the relevant clause of the law or by writing a complaint to higher authorities. Usually this is enough to resolve the issue peacefully.
In conclusion, let us recall the main idea of the article - a compulsory motor liability insurance policy must be issued (or extended) as quickly as possible. On the one hand, with such actions, you comply with Russian legislation, and on the other hand, you protect yourself in the event of an accident.
Video on the topic
Source: https://www.insurance-liability.ru/skolko-mozhno-ezdit-bez-straxovki.html
How long can you drive a car if your insurance has expired?
Every car owner knows about the need to insure his own vehicle, since driving without such a policy is equivalent to an offense for which a fine is imposed.
Insurance also acts as protection for the driver, since if he gets into an accident, the losses caused to him will be covered by the insurance company, and if he acts as the culprit, he will not have to cover the damage at his own expense.
How long can you drive without insurance?
No driver is insured against an accident, so it is advisable to take care of your safety and insure your car in a timely manner. Important! In most of these situations, the perpetrators are not able to cover the losses caused by their own funds, so the injured party is forced to go to court to forcefully collect money.
A compulsory type of insurance is MTPL, and it only covers damage caused to cars as a result of an accident. An important condition is that insurance funds are paid exclusively to the car owner who is innocent of the accident.
This video will tell you how to legally drive without insurance:
In the event of an unforeseen situation on the road, it is insurance that will save a significant portion of money for each participant in the accident. The features of MTPL include:
- there are restrictions on payments, so they cannot exceed the established value, and if the damage caused exceeds this amount, then the car owner will have to pay extra from his own pocket;
- the cost of the policy is considered low, and it depends on the length of service of the car owner, as well as on the number of accidents in which he was the culprit;
- in order to receive compensation after an accident, an indispensable condition is that each participant in the accident must have a policy;
- funds are paid for damage caused exclusively to vehicles, but if harm is caused to human health, then insurance does not cover these costs.
CASCO is another type of insurance.
The policy is purchased voluntarily or in case of purchasing a car on a car loan, since registration of such a policy in most banks is a prerequisite for loan approval.
Important! The cost of CASCO is considered significant, but the policy covers damage to the car not only as a result of an accident, but also for various other reasons.
Important! 10 calendar days are taken into account, not working days. During this time, the new owner of the car must undergo a technical inspection of the vehicle, issue a diagnostic card, and also obtain an MTPL policy.
What does the law say about driving without insurance?
If you have an issued policy, the validity of which is expiring, then you need to quickly get a new document, since it is forbidden to drive even a day without it, and this is an offense for which a fine will certainly be charged if the situation is recorded by a traffic police inspector.
What is the penalty for driving without insurance?
If there is no insurance, the owner of the car does not have the right to use it for its intended purpose. If he neglects this rule, then when stopped by a traffic police inspector or when an accident occurs, he is given an appropriate punishment. Important! A fine of 500 to 800 rubles is assessed.
The punishment depends on the situation:
- The insurance policy has been issued and is valid, but the driver forgot it at home. This situation occurs quite often. For the absence of a document, you must pay 500 rubles. The inspector may detain the car and the driver to determine their identity, and in this case the best solution would be to ask relatives or friends to bring documents.
- There is no issued MTPL policy or its validity period has expired. If this document was not purchased at all or it is already expired, then a fine of 800 rubles is imposed.
Important! No other penalties are provided for the lack of a policy, so the traffic police inspector cannot require actions other than issuing a fine.
Is it possible to avoid a fine if you have no insurance?
It is impossible to escape responsibility for an offense, so if a person does not have a compulsory motor liability insurance policy or it is expired, then a fine will certainly be imposed. Important! You will have to pay a fine even if the policy was purchased and is valid, but the document was forgotten at home.
What a driver faces if he or she doesn’t have insurance, watch this video:
The driver can file a complaint with various authorities, but practice shows that it is almost impossible to achieve any results. A traffic police inspector does not have the right to stop a car just to check the availability of a policy, so in most cases, drivers violate traffic rules, so they are punished not only for lack of insurance, but also for various other violations.
Important! You can avoid a fine only if the driver has a copy of the policy, so it is recommended to make such paper that will always be kept in the glove compartment. You can avoid a fine if you do not have a policy if more than 10 days have passed after purchasing the vehicle.
In what cases is it permissible to drive a car without insurance?
You can drive a vehicle without an insurance policy only if you have certain documents confirming ownership of the car. These include a purchase and sale agreement, a power of attorney, a certificate of inheritance or other documents.
If the car was just purchased or received as a result of accepting an inheritance, then over the next 10 calendar days it is allowed to drive it without an insurance policy. However, you must not violate traffic rules, and you must also have the purchase and sale agreement or a copy of it with you. In the event of an accident, all responsibility falls on the culprit.
Fines for driving without compulsory motor liability insurance.
It is also popular to use a car by proxy, and it can be drawn up by hand or notarized. If the document does not indicate its validity period, then it is maximum 1 year. However, you can drive a car if you have taken out insurance without limiting the number of drivers.
There are certain situations in which it is permissible to drive a car without this document, but only for a limited amount of time and subject to specific conditions.
However, every car owner must remember that insurance is necessary for him in order to receive the insured amount in the event of an accident or not to compensate for the damage caused at his own expense, therefore the presence of this policy provides an opportunity to save a significant amount of money.
Source: https://slovozakona.ru/strahovanie/avtostrahovanie/mojno-li-ezdit-bez-straxovki.html
Loading...
