What to do if there is no insurance

Osago - mandatory insurance of civil liability of vehicle owners. The policy of the OSAGO should be each owner of the car. But there are cases that the policy is lost or overdue, and it is extremely necessary to use the car.

If you are the owner of the car and you have no insurance policy, you do not have the right to drive a car. In this case, you can pass the car control to another driver by making it the owner. Do not confuse the concept of "owner" and "owner." The owner is the person specified in the certificate of registration of the vehicle. The owner is a person managed by a car.

In order to make the third person by the owner of the car, you need to provide him with a power of attorney. Take a sheet of paper and in arbitrary form Make a power of attorney today, specifying the data of your chosen person. According to the law on OSAGO (Art. 4, paragraph 2), the new owner of the car has the right to ride without insurance 5 days by proxy from the owner of the car. The new owner of the car can also write down the power of attorney to a third party. But for this it is necessary to notarize such a document.

If the owner of the car did not write a power of attorney to a third party, but is in the car on the passenger seat, then we can assume that he orally entrusted the car with a new driver. If the traffic police inspector stopped you, then in the protocol you can indicate your disagreement and justify it that you have an oral power of attorney or write a power of attorney in place.

If you do not have an insurance policy and you got into an accident, the inspector will contribute to the certificate of lack of insurance. If you are guilty of an accident, then your car can put arrest and you will be obliged to independently pay the amount of damage to the victim.

If you do not have an insurance policy, deposit all important things and place it as quickly as possible. Driving a car without insurance - violation of the law. According to Article 12.37 part 2, for an overdue insurance policy Penalty 800 rubles and removal of state. registration signs. If you have forgotten the insurance at home, then according to Art. 12.3 Part 2, fine will be 500 rubles, the numbers will not be removed. Therefore, in the absence of insurance, try to convince the inspector that you have forgotten her at home.

Despite the fact that there are various ways out of situations in the absence of an insurance policy, the car insurance is necessary to each driver. The insurance policy will help protect you at an accident from paying the amount of damage if you are a culprit of an accident, and reimburse your damage if you are victim.