Currently, all drivers must have an MTPL policy with them while driving. But someone from time to time forgets to renew the insurance or leaves it at home. In different situations of absence of a policy, different sanctions from the traffic police are provided.
Instructions
Step 1
There is no insurance at all. If you got behind the wheel without a CTP policy at all, then the most severe punishment is provided for you, because this is the most serious of such violations. In this case, you will have to pay a fine of 800 rubles. In addition, the traffic police prohibits operating the car without insurance, so the inspector will remove the license plate from it. You will have a day to eliminate the violation, that is, within 24 hours you need to get to the insurance company and still issue an MTPL policy for the car.
Step 2
The insurance has expired. It should be understood that an expired OSAGO policy is equated to its complete absence. Therefore, if you got behind the wheel at a time when the insurance has already expired, then this also threatens you with a fine of 800 rubles and the removal of numbers until the insurance is extended.
Step 3
Another driver is recorded on the policy. Rooms will also be removed if the policy for the car is issued, but not for you. In this case, a slightly smaller fine will be imposed than in previous cases - 500 rubles. The inspector will remove the license plate until the cause of the violation is eliminated, so the easiest way is for the driver who has the insurance to come to you. Then the numbers will be returned to you immediately on the spot. If there is no such possibility, then there is another option for eliminating the violation - insurance renewal. It must be made open (that is, anyone can control this car) or fit you in (that is, expand). As in the first case, you can travel without numbers for 1 day.
Step 4
The police stayed at home. It is also possible that there is a policy for the car, but you forgot to take it with you. Not everyone knows that in this case, you need to present the current insurance to the inspector and pay a fine of 500 rubles, not 800. You just need to ask someone from your acquaintances to give you a ride. Otherwise, the traffic police inspector will regard the situation differently: as a lack of insurance (see paragraph 1).
Step 5
Driving during a period not specified in the insurance. Modern insurance companies offer drivers the opportunity to apply for an OSAGO policy, in which a certain period of insurance will be prescribed. This is convenient for those who do not drive a car, for example, in winter. At the same time, the cost of compulsory motor third party liability insurance decreases. You cannot drive a car during the period not specified in the policy. Therefore, if you still got behind the wheel and caught the eye of the inspector, you will have to pay a fine of 500 rubles. In addition, license plates will be removed from the car. Therefore, if you have such an OSAGO policy, but want to travel all year round, then in order to prevent troubles and fines, be sure to change the conditions of insurance.
