The CTP insurance policy is a policy of compulsory motor third party liability insurance. It is a mandatory document during a check by traffic police officers along with a driver's license and a registration document for transport. For violation of the rules of OSAGO, sanctions are provided, which have some differences depending on the situation.
Penalty for not carrying insurance
We are talking about a situation when the driver has a valid policy, and it is entered in the form of this policy. However, for some reason, the driver did not take insurance with him. In this case, on the basis of Part 2 of Art. 12.3 of the Administrative Code, you can receive a warning or pay a fine of 500 rubles.
It may happen that the traffic police will make an attempt to equate the forgotten insurance with non-existent one. In this case, when drawing up the protocol, it is necessary to accurately indicate the reason for the absence of the CTP policy with you. This will come in handy if, after all, the case goes to court and you have to prove your case.
Penalty for violation of insurance conditions
As a standard, the OSAGO contract is concluded for 1 year. However, there is a category of drivers who do not use their car all year round. Such drivers have the right to shorten the term of the contract. For example, summer residents who need transport only in a certain season can reduce their insurance costs by reducing the term of the contract by several months. In this case, the driver has the right to drive the car only within the periods specified in the insurance contract. If the car is operated within the periods not provided for by the insurance, this will be considered a violation of the terms of the OSAGO insurance.
Another violation of the insurance conditions is the situation when the driver used the car without being included in the insurance. Separately, it should be noted that, in addition to the fine, a ban is imposed on the operation of the car until the driver is entered into the current policy.
According to Part 1 of Art. 12.37 of the Administrative Code for violation of the conditions provided for by the OSAGO policy, a fine of 500 rubles is imposed and a ban on the operation of the vehicle is applied, i.e. withdrawing numbers.
In case of a ban on the use of the vehicle, the driver has the opportunity to use the car within 24 hours from the moment the numbers are removed. Art. 12.5 h. 2 - the only article prohibiting traffic in any case.
Late Insurance Penalty
Expired insurance is the most serious violation of those related to OSAGO. According to Art. 12.37 of the Administrative Code for the presence of an expired OSAGO policy, a fine of 800 rubles is provided, as well as a ban on the operation of the vehicle. The same punishment awaits drivers who have no insurance at all.
To issue an MTPL policy, you need a valid technical inspection certificate, or a valid international technical inspection certificate, or a valid diagnostic card.
There is a myth that after the expiration of the motor third party liability insurance contract, there is a month of grace period for issuing a new policy, when driving without insurance is permissible. In fact, such conditions did exist, but they were canceled back in 2008.