In 2021, it was planned to unite the bases of insurers and the police. This means that traffic cameras will be able to fine for driving without OSAGO. The amount is completely equivalent to the one that the inspector writes out in person – 800 rubles. But there is no specifics on this issue yet.
Each driver must have an OSAGO policy while driving in a car. So it is written in article 32 of the law “On Compulsory Insurance of Civil Liability of Vehicle Owners”.
The traffic police inspector, having stopped the car, can check whether the driver has a policy. Recall that a regular document on autocitizenship is valid for one year.
Further, different options are possible, why the driver does not have insurance with him. The penalties for different violations are different.
Fines for driving without OSAGO
No policy
Fine: 800 rubles.
The driver violates article 12.37 of the Code of Administrative Offenses (part 2). It says:
“Failure by the owner of a vehicle to fulfill the obligation established by federal law to insure his civil liability, as well as driving a vehicle, if such compulsory insurance is known to be absent, entails the imposition of an administrative fine in the amount of eight hundred rubles.”
Note that an overdue policy is equated to its complete absence. Also, you can fine for the lack of a policy as many times as you like.
If the OSAGO policy is electronic
Many drivers now issue electronic OSAGO policies. Formally, the motorist is obliged to print out the insurance on the printer and carry it with him.
But back in 2015, the first Deputy Prime Minister Igor Shuvalov instructed the traffic police to check the availability of an electronic policy only on the bases of the RSA. It turns out that the driver does not have to have a printed document with him.
Then it all depends on the individual inspector. If a police officer fundamentally wants to fine the owner of an electronic policy who did not print out the form, formally he will be right. But you can try to show the document from the screen of your phone, tablet or any other gadget.
If you forgot your OSAGO policy at home
Fine: 500 rubles or a warning.
The driver is fined on the basis of Article 12.3 of the Code of Administrative Offenses (part 2). It says:
“Driving a vehicle by a driver who does not have documents for the right to drive it, an insurance policy of compulsory insurance of civil liability of vehicle owners entails a warning or the imposition of an administrative fine in the amount of five hundred rubles.”
The traffic police have access to the database of motor insurers (RSA). The inspector can find out if the driver has an OSAGO policy, either from a personal computer or by contacting the dispatcher.
If you forgot to renew your OSAGO policy
Fine: 800 rubles.
Previously, the expired policy worked for another month. But now this rule of law does not apply. If you forgot to renew your auto-citizenship, then you are violating Article 12.37 of the Code of Administrative Offenses (part 2).
If the driver is not included in the OSAGO policy
Fine: 500 rubles.
This also happens: there is insurance, and a motorist who is not included in the policy is driving. The fine is not as big as in the absence of OSAGO. But the warning won’t work either.
The driver violates article 12.37 of the Code of Administrative Offenses (part 1). It says:
“Driving a vehicle in violation of the conditions provided for by this insurance policy for driving this vehicle only by the drivers indicated in this insurance policy shall entail the imposition of an administrative fine in the amount of five hundred rubles.”
Using a fake OSAGO policy
Punishment: 800 rub. + restriction/imprisonment or forced labor for up to one year.
If you deliberately bought a fake and showed it to the inspector, then you can’t get off with a simple fine for not having a policy. Those same standard 800 rubles will also be. But even a driver with a fake policy will most likely be charged with a criminal case under Part 3 of Art. 327 of the Criminal Code of the Federation.
Accident without OSAGO policy
If you happen to get into an accident, and one of the participants does not have a civil liability policy, or it is fake, then the situation becomes dramatic. We will tell you what awaits in this case the culprit and the victim.
The culprit with the policy, the victim is not
It doesn’t change anything for the victim. Unless, in an accident, the traffic police crew will come to sort it out, check the documents and “slap” the victim with a fine of 800 rubles for the lack of a policy. In any case, the victim will receive payment from the insurance culprit.
The culprit without a policy, the victim with a policy
The CMTPL policy of the victim in this situation does not affect anything. If it was not possible to agree on compensation with the victim on the spot, and it came to the traffic police, then the culprit will receive an administrative fine of 800 rubles. But this is not the worst.
In any case, the culprit will have to pay for repairs and compensate for damage to the health of the victim, if any. The second party to the accident has the right to sue if you cannot agree on the amount of compensation.
Nobody has a policy
Then the traffic police can issue a fine of 800 rubles each to both participants in the collision. The culprit compensates for the cost of repairing the car of the victim from his own pocket. You can agree on the spot. It is only necessary to fill out a receipt on receipt of money and the absence of claims – in order to avoid excesses in the future. If the persuasion did not lead to anything, then the case goes to the judicial plane.
Popular questions and answers
In 2022, a fine for not having an OSAGO policy can be paid with a 50% discount. It is enough to pay the receipt within 20 days from the date of the decision on the administrative violation. Then instead of 500 rubles it will be enough to pay 250, and instead of 800 rubles – 400.