Penalty for lack of OSAGO insurance 2016

So that fines for driving a car without an insurance policy do not come as a surprise to the car owner, it is important to consider each case of punishment provided for by law. "Sanctions" have received a wide range - now they apply to many situations. Armed with knowledge, it will be easier to comply with the law.

Riding without a policy OSAGO 2016

The reasons why the car owner does not have this are numerous. Among other things, the punishment is provided for the case when the owner of the car forgot the document at home. The price difference for different options is as follows:

• Failure to provide the CMTPL form - forgot, lost, left. In financial terms, this punishment will be 500 rubles. It would seem an insignificant fine, in comparison with an expired document, but if you are "lucky" and the posts take your car on a pencil, you will have to go broke.
• Driving a car during a period not covered by the policy. In other words, drivers who issue compulsory motor third party liability insurance for a period shorter than its standard one year time, but at the same time using the car longer, risk being fined. The punishment is 500 rubles. Making a policy "for the season" is beneficial for summer residents and pensioners, whose cars are idle in garages in winter.
• A driver not included in the OSAGO policy. Situations when a family member drives the car, for the sake of economy, is not specified in the policy - not uncommon. Therefore, the owner must be prepared for the fine in this case to be 500 rubles. An accident in which a person who is not listed in the insurance is the culprit or the victim is considered in favor of the one who observes the duties. Conclusion - the savings are not consistent with the risk.
• Expired OSAGO policy. Often, it is not malicious intent that participates in such a situation, but the absent-mindedness of the car owner. Nevertheless, forgetfulness will play a cruel joke with him - the fine will be 800 rubles.
• Lack of an OSAGO policy in principle - the driver does not insure the car after purchasing it or does not systematically renew the existing policy, will entail similar consequences.

So, if the listed items have become commonplace for the owner of the vehicle, there is reason to think - is it not more profitable to buy a policy than to pay fines for uninsured trips? In large cities, where traffic police are on duty around the clock, collisions with them are not uncommon.

How to get a CTP policy

Today, the purchase procedure is simplified as much as possible - any insurance company requires the same documents. The amount of the policy is almost the same and varies depending on what is included in the list of services offered - for example, representatives often try to include in it a threat to the life of the car owner. The correct and accurate calculation of the cost can be calculated independently. Required documents:

• Statement. The form is usually issued to the company itself.
• Identity card - passport or driver's license.
• Vehicle registration certificate. In case of buying a new car, TCP is provided.
• Certificate of passing the technical inspection, valid at the time of the conclusion of the contract with the insurance company. New cars with a service life of less than three years - no document is required.

Usually the registration procedure takes a few minutes. It is possible to start registration online, however, this function is not used by all insurers working to open an OSAGO policy - you should first consult. In addition to the policy itself, the driver receives forms for drawing up accident reports.

Pay attention! The maximum payment for repairs is 400 thousand rubles. For the restoration of expensive cars, this amount may not be enough. Therefore, it is additionally worth purchasing a DSAGO policy, which expanded its own capabilities - up to 1 million rubles of payment. The cost of the document is lower than the main one - from 200 rubles.

Motor transport without OSAGO policy

There is one! However, you should not be glad that your own "horse" is included in the list. Transport operated without insurance is quite specific:

• Bicycles, scooters. Vehicle speed is no more than 20 km / h.
• Military vehicles.
• Cars with a foreign insurer's policy.
• Trailers.

So, the conclusion is insurance, the only way in the event of an accident to have funds to repair your own car. Otherwise, you can go broke not only on it, but also by paying frequent fines.