Is there any provision for evacuation and removal of rooms for lack of MTPL insurance today?

October 2, 2019

Forgot to take

Not included

Not issued

Expired

Is it possible to drive without a compulsory motor liability insurance policy? Most drivers know that they are required to carry valid insurance. And yet, a situation in which you are stopped by the traffic police, but you don’t have the policy in hand, is not excluded. We suggest you figure it out: when can you be required to provide insurance? What punishment do you face for not having an MTPL policy and can it be avoided? What if the driver is not included in the insurance? In addition, we will talk about the most pressing issue today: do cameras record the absence of a compulsory motor liability insurance policy in 2020?

When do you need to show insurance?

Despite the fact that the law on compulsory motor liability insurance only speaks of two cases of presenting an insurance policy (an accident or an inspector drawing up a protocol on an offense), traffic regulations oblige car owners to always have insurance with them.

The list of documents that the driver must present to the police upon request is not very long:

• driver's license;
• vehicle registration documents;
• insurance policy.

In some cases, you will also need permits to transport passengers or cargo (for taxis) or papers confirming disability (for cars with the appropriate sign).

Thus, the inspector’s request to show him the insurance is quite legitimate. And if you cannot do this, the law provides for a fine for driving without a compulsory motor liability insurance policy. The amount of the fine will vary depending on the situation.

What happens if you forgot your MTPL at home?

Everyone knows that insurance must be in the car at all times (along with the driver’s license and car registration documents). But for various reasons, when stopped by a traffic police officer, you may not have the policy on you. You can avoid responsibility for your forgetfulness if you convince the inspector to check the current MTPL policy against the internal database.

Having information about the VIN number and driver's license, any police officer can enter them into the Ministry of Internal Affairs database and receive all the information about the availability of insurance and its validity period.

Sometimes the inspector is ready to meet the driver halfway and simply issue a warning - such a decision is possible according to the law. On the other hand, sanctions for a similar situation are provided for in Part 2 of Article 12.3 of the Code of Administrative Offenses of the Russian Federation: for a driver who forgot insurance at home, the fine will be 500 rubles .

If the inspector does not want to hear about online checks at all and is not ready to take your word for it, the amount of the fine will be increased to 800 rubles (the violation is classified as driving a car without an MTPL policy, as if it did not exist in principle). This can be appealed: write a statement addressed to the head of the guard service and attach a copy of the policy to it.

Driver not registered

Insurance companies recommend taking out open insurance for a reason: this way you can avoid many troubles. After all, the inspector will issue a fine if he does not see the name of the person who is driving on the insurance. The amount of the fine is the same as in the previous case ( 500 rubles
).

The fine will be issued even if the person included in the OSAGO policy is in the car as a passenger. However, his presence will help to avoid further troubles: after all, if no one who has the right to drive this vehicle is nearby, the car will be towed to the impound lot.

There is another way to avoid a fine for a driver who is not included in your insurance. If you anticipate a situation in which a stranger will have to get behind the wheel, draw up an agreement “On the free use of a vehicle” in advance. Such a document does not need to be registered, and its registration is free. At the right time, all you need to do is enter the details of the new driver into the printed contract: the paper will be valid for 10 days.

Driving a car without insurance

If there is no insurance at all (it was not taken out), the amount of the fine will be higher: 800 rubles. Some car owners, having found out what fine they expect for driving without a policy, believe that its size is not comparable to the cost of the policy. Why then take out a compulsory motor liability insurance policy in principle?

We do not recommend taking the insurance survey so carelessly. Firstly, the main purpose of the policy is to help you out in the event of an accident. Secondly, there are no restrictions in the law on the number of fines issued. Roughly speaking, if you are “caught” without a policy three times in one day, you will be issued three fines. And finally, repeated violations can even lead to legal proceedings.

OSAGO policy is expired

If the car owner missed the time to renew the insurance and drives with a policy that has expired, the fine will also be 800 rubles.

Fine for driving without MTPL insurance in 2021

This question has been of interest to drivers since 2021, when they promised to introduce a similar system for use in Tatarstan and Moscow, but the situation is such that the launch is constantly postponed.

At the moment, information periodically appears that this system will still be launched in 2021, but there is no exact data yet. That is why you have to wait for updates and the latest news regarding this innovation.

Its essence should be that cameras placed directly on the roads will be able to record the presence of insurance in photos and videos. After this, the photo will be given to the citizen along with a fine in the form of a letter. It is this option for monitoring the availability of documents that is quite promising, but in reality nothing is yet known and no one can give accurate information when the system will work.

Important ! If the camera system does work, then it will not be the driver who will receive the fine, but the owner to whom the car is registered. This should definitely be remembered by those whose car is used by third parties. The fines will still have to be paid by the owner.

Let’s assume the following option: the driver has insurance with a valid period, but there are errors or typos in the contract itself. Is there a fine in this case? In 2021, the law says unequivocally yes - the amount of monetary withholding in favor of the state will be 500 rubles .

Drivers often wonder whether penalties can be imposed if the policy is issued electronically and they do not have a printed version with them.

There can be no such fine in 2021 . Moreover, this point is supported not only by common sense, but also by law.

If a traffic police inspector stops, you can provide him with the policy on the screen of a smartphone or any other device. Even just a written down policy number will do. In any case, an inspection employee can easily find out about the availability and details of the MTPL agreement by using the car number or driver details.

Legislation has been in place for several years to encourage timely payment of most car fines. In 2021, the so-called “discount” for paying a fine during the first 20 days will continue to apply.

In this case, the fine for lack of insurance will be 400 rubles , and for an expired contract or errors in it - 250 rubles .

With the advent of digital technologies, they inevitably begin to be used by various government agencies. This also affected fines for lack of insurance. Last year, technologies for determining the availability of insurance policies using vehicle numbers using stationary cameras began working in Moscow and the Moscow region.

In 2021, the authorities promise to distribute the “new product” in other regions. Thus, now a fine for lack of MTPL insurance can be received not only directly from the inspector, but also by mail.

So, if you have an MTPL policy, but you forgot it at home, you have two options to choose from.

• The inspector can check the presence of compulsory motor liability insurance using the RSA database. The employee has the right to make a decision independently - whether to waste time searching for information about the policy, wait for the delivery of a forgotten document, or impose a fine.
• You can also independently provide the inspector with the data for checking the MTPL policy - number and series. The inspector will check the policy against the database.

If the inspector does not want to independently check the database whether you have a valid policy or not, and you do not know its number and series, he has the right to assign you a warning or a fine of 500 rubles.

The legislation of the Russian Federation has been considering issues of rewarding its debtors for timely payment of fines for several years now. In 2021, there will also be a 50% discount on timely payment of fines. The motorist will have to pay the fine within 20 days of receiving it.

So, for example, if a motorist received a fine for not having an insurance policy, then during the first 20 days he will have to pay only 400 rubles, and if the policy is expired, only 250 rubles.

After digital technologies appeared, they are constantly used by various government bodies. This even affected fines imposed on motorists for not having a car insurance policy. At the moment, there is an active implementation of technologies for determining the presence or absence of a policy using the vehicle number using special stationary cameras. Such cameras have already been installed and operating in Moscow and the Moscow region.

In the coming 2021, government authorities plan to install such technologies in other regions of the country. So in 2021, you can receive a fine for lack of insurance not only from the inspector, but also from the cameras. If the violation was recorded on camera, then the fine will be sent by mail.

Perhaps the only way to avoid being fined for not having an insurance policy is to take out one. This not only provides protection from fines, but also guarantees liability insurance in the event of an accident.

In order to get acquainted with possible insurance rates and choose the best one, you need to use a special online calculator. He will make calculations for more than 15 companies and offer the best option.

• We calculate the cost of the policy;
• We agree on the details with the customer and issue a policy;
• we transfer the document to the delivery department.

We guarantee delivery of the policy within two hours or the next day after it is issued. The client signs the contract and two receipts presented by the courier with payment on the spot. We provide a signed copy of the MTPL policy and application to the insurance company.

In Russia, for several years now, there has been a system of providing a 50% discount for traffic violators who pay the fine within 20 days from the date of its issuance. This rule does not apply only to the most serious offenses on the road, but the absence of compulsory motor liability insurance is not one of them.

As a result, if you promptly pay for missing insurance, you will have to pay 400 rubles, and in all other above cases, only 250 rubles.

Are there additional penalties for not having insurance in 2020?

Some drivers ask what punishment they face for not having a compulsory motor liability insurance policy, in addition to a fine. There is no need to worry: the additional measure in the form of evacuation of the vehicle to an impound lot is not provided for by law. As we wrote above, the only situation in which a car can be seized is if the driver is not included in the insurance, and none of the persons authorized to drive this car are nearby (or are not arriving at the stop in the near future). This decision is logical, because traffic police officers cannot allow a person who is not included in the policy to continue driving: this means that it is necessary to transport the car to the parking lot until the circumstances are clarified and before the owner shows up.

Another sanction that is feared “for old times’ sake” is the removal of registration numbers (tantamount to a ban on the operation of the vehicle). In fact, this measure was canceled back in 2014, that is, neither in 2018 nor in 2021 you will face such a punishment.

Fined? You can drive further. But don't be surprised if you get stopped and fined again on the same day.

Fine for driving without insurance in 2021

In the absence of an MTPL policy, the traffic police inspector will not be able to seize the vehicle and send it to the impound lot

, as well as removing license plates. In any of these situations, this will be an abuse of power, which threatens official proceedings and can be appealed in court.

And the absence of a driver’s insurance policy with him is not a reason to hold the driver accountable for his complete absence. It is important for the driver to know his rights and carefully read what the inspector writes in the protocol.

Back in 2015, they began to discuss the creation of an electronic system that would allow combining several electronic databases (RSA - availability of a policy, TsODD - reading the number and identifying the owner, and the traffic police - issuing a fine). But in practice, the implementation of this project has been delayed for several years. The test version was launched only in 2019, and the first drivers received regular notifications stating the absence of compulsory motor liability insurance. No fines were issued

.

At the moment, the system is still being prepared for launch, and Moscow will be the first to test the innovation. As for the timing of commissioning of the system, they have not yet been determined. Although, according to some rumors, the implementation will take place in 2021. But there is no reliable confirmation, and the start of the system, according to representatives of the State Traffic Inspectorate, will be announced in advance in the media

.

There are situations when the owner gives his car to another driver. Is the driver who gets behind the wheel and is not the owner of the car liable? Yes. The owner will also receive a fine of 1,000 rubles if the MTPL document is not in the car.

But there is a solution to the problem: the owner can enter into an agreement for the free use of transport. Then you can avoid penalties.

No one is immune from such a disaster as a road accident. This can happen to anyone, but what awaits those drivers who ignore the law and drive a car without compulsory motor liability insurance?

It is worth noting that the amount for the violation that will be charged to drivers who repeatedly violate the law and are involved in accidents will be increased. In addition, all the damage will fall on your shoulders, even if you are not the culprit of the accident. There is also a huge chance that the driver will be deprived of his license for a period of three years.

Let's talk about the fine for driving without insurance in different countries. Below we have listed several developed countries where the punishment is quite impressive.

USA

In the US, you can refuse car insurance, but you still have to pay. To do this, you need to prove your solvency, after which the authorities are paid $500. If a US driver drives without insurance where it is required, he may face imprisonment instead of a fine.

Video recording: can cameras record the absence of an MTPL policy?

For a couple of years now, rumors have been circulating on the Internet that cameras on the roads record the driver’s lack of insurance, and you can get a fine even without communicating with a traffic police officer.

In 2021, not a single report of such a case appeared, and only in 2021 (from March 1) a fine for the lack of a policy began to be issued automatically. So now not only those who deliberately did not buy insurance are under attack, but also those who inadvertently purchased an invalid document from scammers.

Is there evacuation to the impound lot?

Also no. The legislation provides for the detention of a vehicle strictly when a number of sanctions are applied under certain parts of the articles of the Administrative Code. An exhaustive list of them is contained in Article 27.13 of the Code of Administrative Offenses, and not a single part of Article 12.37 is listed in it.

This means that evacuation is not provided for any violation of lack of insurance:

• the car will not be sent to the impound lot, even if you do not have a concluded MTPL agreement at all or it is expired (which is equivalent to its absence) - part 2 of article 12.37 of the Code of Administrative Offenses,
• nor if you are not included in the current policy (Part 1, Article 12.37),
• nor if you forgot your paper policy at home and are traveling without it (Part 2, Article 12.3).

But unlike the removal of license plates, impound parking was never provided for in Russian legislation.

New fines for lack of insurance - a myth?

Increasing the fine for driving without a policy has been discussed for quite some time. Some owners do not know exactly what fine they can be given without a valid policy, because they read on the Internet about an increase in the amount to 5,000 rubles.

Such a bill has indeed already been prepared, but it has not yet been considered in the State Duma. The review may take a lot of time, which means that you won’t face a new fine without insurance yet: count on the same 500-800 rubles. But it is better, of course, not to neglect the purchase of an insurance policy and its renewal: do not forget about the risk of getting into an accident and parting with a substantial amount due to your carelessness.

Price

Finding a car in an impound lot, as well as its evacuation, are not free. Only for the first 24 hours a car can be parked in the designated parking lot for free, then you will have to pay for each hour or per day. Each region has its own tariffs. In 2019, if your car is towed for a violation established by the Code of Administrative Offenses or traffic rules, you will have to pay on average per day:

• for vehicles of categories A and B (up to 80 hp) – about 3,000 rubles;
• for category B cars (over 80 hp to 250 hp) – about 5,000 rubles;
• for category B cars (over 250 hp) – about 7,000 rubles;
• for trucks - about 25,000 rubles.

In addition, if your car is taken to the impound lot due to the lack of insurance, then you will be additionally fined for not having insurance. Thus, you need to quickly apply for compulsory motor liability insurance, preferably on the day of evacuation, and immediately apply for the car in order to save on parking it at the traffic police. After the entire procedure is completed, be sure to keep the receipt for payment for evacuation and impound parking.

How will driving without a compulsory motor liability insurance policy end for the person responsible for the accident?

Taking out insurance is the responsibility of any driver, which is stated in Federal Law No. 40 of April 25, 2002. If you are the culprit of an accident and you do not have a valid MTPL policy, prepare for the following consequences:

• You will need to pay for the damage yourself (Article 1064 of the Civil Code)
• a fine for lack of insurance is also inevitable, because now the violation is known to the traffic police.

If the victim does not have an MTPL policy, it will cost only a fine of 800 rubles. But are you one hundred percent sure that under no circumstances can you cause an accident?

Fine for driving without MTPL insurance in 2021

You can pay the fine with a fifty percent discount. The promotion is valid for the first twenty days after the administrative protocol is drawn up. This practice has been in effect on the territory of the Russian Federation for quite a long time, and the majority of violating drivers have managed to appreciate its advantages.

In the above case, a fine of four hundred rubles will save your budget if we are talking about the lack of insurance. If errors are found in the policy, you will have to part with 250 rubles.

Progress does not stand still, which is why innovative technologies have become an integral part of the work process in government agencies. The innovations also affected fines for lack of insurance. In 2019, we activated a program to instantly check whether drivers have an MTPL policy. In the Russian capital and region, it has become possible to obtain this information using the vehicle registration plate.

In 2021, officials decided to go further and introduce the innovation in other regions of the Russian Federation. A fine for not having an insurance policy can be received hand-to-hand from an inspector or by mail.

To avoid receiving a fine, it is advisable to issue a policy in a timely manner. Simple measures will protect you from liability and save the budget of the vehicle owner. In case of an accident, a policy may also be needed. Take care of your own safety in advance. To view the current MTPL offers, use the online calculator. He will help you choose the most profitable option for obtaining an insurance policy.

In Moscow, they actively tested a system for determining the availability of insurance policies by car numbers. Last year allowed the technology to be tested, and pilot projects are expected to be launched in other cities in the near future, but it is not yet clear who exactly will be on this list.

In 2021, it is expected that stationary cameras in different cities will “learn” to recognize cars without compulsory motor liability insurance and issue a fine. It turns out that very soon it will be possible to receive retribution for forgetfulness not only from the hands of a traffic police inspector, but also by regular mail.