The penalty for absence of the insurance
We are talking about a situation where the driver has a valid policy, and it is inscribed in the form of this policy. However, due to any reason the driver did not bring insurance. In this case, on the basis of part 2 of article 12.3 of the administrative code, you can receive a warning or pay a fine in the amount of 500 rubles.
It may happen that the traffic police will attempt to equate a forgotten insurance to non-existent. In this case, the Protocol must accurately indicate the reason for the absence at itself the insurance policy. This is useful if the case goes to court and you will have to prove his innocence.
The penalty for violation of the terms of insurance
The standard insurance contract is concluded for 1 year. However, there is a category of drivers who do not use their car all year round. These drivers have the right to reduce the term of the contract. For example, vacationers in need of transportation only in a certain season, can reduce your insurance costs by reducing the term of the contract for a few months. In this case, the driver is entitled to drive only in the terms specified in the insurance contract. If the vehicle will be operated in a time not covered by insurance, it will be considered a violation of the terms of insurance insurance.
Another violation of the terms of insurance is when the driver took the car, without being inscribed in the insurance. It is worth noting that in addition to the penalty imposed, and the ban on the operation of the machine until then, until the driver will be written to the current policy.
According to part 1 of article 12.37 of the administrative code for violation of the conditions stipulated in the insurance policy, shall be imposed a fine of 500 rubles and applies a ban on the operation of the vehicle, i.e., removal of numbers.
In the case of prohibition of operation of the vehicle, the driver has the opportunity to use the car during the day since the rooms. St. 12.5 part 2 - sole article, prohibiting movement in any way.
The fine for overdue insurance
Expired insurance is the most serious violation from those that relate to CTP. In accordance with 2 of article 12.37 of the administrative code for an expired insurance policy, a penalty in the amount of 800 rubles, and the prohibition of vehicle operation. The same punishment awaits drivers who do not have insurance.
For registration of insurance policy you need a valid pass inspection, or a valid international certificate of checkup or the current diagnostic card.
There is a myth that after the expiration of the contract for liability insurance, there is a month grace period to obtain the new policy, when driving without insurance valid. In fact, such conditions have taken place, but they were abolished in 2008.