Contents of the article:
- Expire insurance
- Accidents and expired insurance
- Lack of insurance
- Fines and OSAGO
The CTP insurance policy is one of the three documents that a driver must have while driving a vehicle (vehicle) on the territory of Russia. OSAGO is just as important a document as a driver's license or registration coupon for a vehicle. But do not forget that the insurance has an expiration date and in case of delay, the driver can be fined. Therefore, we will consider the main points and situations that a driver may encounter with an OSAGO insurance policy.
How to deal with expired OSAGO insurance
The CTP insurance policy, as already mentioned, has an expiration date. Some drivers rush to get a new policy a month or a little less before its expiration, while others, on the contrary, do not pay attention after the expiration of the insurance. But sooner or later the driver of the vehicle will have a question of what to do with the expired OSAGO.
After the end of the OSAGO insurance, some drivers are in no hurry to renew it, relying on the rule that there is another 30 days in stock to renew the policy. But, unfortunately, these rules were excluded back in 2009, so after the expiration of the validity period, you may be fined. Therefore, it is better to keep track of the renewal date and not violate the terms. Nevertheless, there are also concessions for drivers, since 11/15/2014 an article has been excluded when, for the absence of OSAGO or its delay, the traffic police inspector could remove the license plates from the vehicle. Now, at most, you can be fined.
This decision was made due to the frequent theft of license plates, for example, there are no front plates, but there are license plates behind. At the same time, the inspector simply stopped the vehicle for no particular reason. Some drivers use this concession in the law and do not renew the CTP policy. The reason is quite simple, the fine for overdue insurance is about 800 rubles, but the extension costs about 3000 rubles or more. Taking into account, if you leave by car once a week or even once a month, then many people choose to pay a fine rather than renewing insurance. As statistics show, there are more and more such drivers, and this is a sign that an increase in the amount of the fine is not far off, from the beginning of 2018 they want to increase it to 2,000-5,000 rubles.
And so, how much you can overdue OSAGO - the answer is quite simple, not at all, it is better to extend it until the end. Still, if you have delayed MTPL and the question of what to do next, you should immediately go and renew, but take the old form with you. In the event of a stop, you can still show it to the inspector, referring to the fact that you will extend the insurance within an hour, the first time the inspector can write you a warning, but not a fine.
If you got into an accident with expired OSAGO insurance
It's good if you, with an expired OSAGO, have never been stopped by a traffic police inspector. But what to do in a situation when you got into an accident with expired OSAGO insurance. In such a situation, regardless of whether you are guilty or not, you will be fined at least 800 rubles. Further, the situation may unfold according to the most unpredictable scenario.In the event that you are the culprit of the accident, then the entire amount of damage will definitely be written off on you and you will have to pay from your pocket, and the delay in CTP will be recorded in the certificate of the accident. The victim, in turn, is obliged to make an independent examination in order to assess the amount of damage, while notifying you in writing about the conduct of this procedure. Often in such a situation, they try to solve everything on the spot, without bringing the matter to court and disassembling about the availability of OSAGO insurance. If a compromise is reached with the injured party, be sure to take from him a receipt on receipt of the sum of money and the absence of any claims.
If you are an injured party in an accident and the compulsory motor third party liability insurance is expired, then at most you will be issued a penalty for delay. In this case, you will receive compensation for damage.
What if there is no OSAGO insurance?
You can be fined for the delay in the MTPL policy, but what if there is no insurance at all. The most primitive example is when you forgot your home insurance, in which case the inspector, at his discretion, can issue you a warning or draw up a fine of 500 rubles. If someone from your friends or relatives can bring the MTPL insurance from home before drawing up the protocol, then all problems will be solved automatically. You can also add in the protocol that you do not agree with this decision and within 10 days you can appeal the decision and not pay the fine by presenting the original of the OSAGO insurance.
There are at least two more situations when they can write out a fine for driving without OSAGO insurance. The first is when the driver of the vehicle is not included in this policy, the second is the operation of the vehicle during the period not provided for by the insurance contract. Each insurance contract is concluded for a maximum of one year, while the service life of the vehicle may differ, at least from 3 months to a year. Accordingly, the cost of an OSAGO insurance policy will differ downward. If the traffic police inspector stops you outside the validity period of the insurance (not the CMTPL agreement), a protocol and a fine for driving without CMTPL is unconditionally drawn up from 500 to 800 rubles.
No less interesting can be the situation when you have not been issued OSAGO insurance at all. This usually happens on company cars, when there was no time to issue a policy or you were simply not included in it. The fine is inevitable, but if there is a passenger next to you who is included in the CTP insurance policy of this vehicle, then this will not be considered a violation of the law and you will not have to pay a fine.
It is worth noting that in such situations, only a fine of 500 rubles is provided, and it will be limited to a warning, the inspector has no right.
These are the main options when there is no insurance and the punishment for driving without compulsory motor third party liability insurance. But do not forget that drivers simply decide to refuse insurance, thereby automatically falling into the list of violators. Most often this can be found in the outback, where insurance is not mentioned at all. Recall that even the most experienced driver can become the culprit of an accident. MTPL insurance can close the financial part at the most, if all the rules in the contract were observed, for today the maximum payment is 400 thousand rubles.
What is the penalty for driving without OSAGO insurance?
Despite loud reservations from the government about increasing fines for expired OSAGO insurance or driving without an insurance policy, as of 2017, the amount of the fine does not exceed 800 rubles. It is worth agreeing that in comparison with compensation for losses, in the event of an accident, this is a meager amount and does not even compare. Therefore, it is better not to be greedy, and in most situations, renew or conclude a new OSAGO insurance contract.
Still, the above situations are not excluded, and the traffic police inspector can write you a fine. If you forget the policy, the fine is 500 rubles, although in such a situation the inspector will still need to prove that you do not have such insurance. A similar amount of the fine will be charged if you are not included in the insurance or not at all. The largest penalty for overdue OSAGO insurance will be 800 rubles.
Well, the final decision on how to deal with insurance remains with the driver of the vehicle, but as practice shows, it is better not to play with it and not save money, since there are enough unpredictable situations on the road, besides, the option of increasing the amount with a fine in the near future is not excluded.
