Car insurance for disabled people of group 3. Established benefits under compulsory motor insurance

Motor vehicle liability insurance in the Russian Federation is mandatory for all vehicle owners. The document that confirms the availability of the above insurance is the MTPL insurance policy.

The amount of basic insurance tariffs for compulsory motor liability insurance is established by the Government of the Russian Federation. The cost of insurance is calculated individually for each case by multiplying the base rate by special coefficients.

Article 17 of Federal Law No. 40-FZ provides benefits for disabled people under compulsory motor liability insurance. In this case, certain conditions must be met:

  • A disabled person must have a vehicle in accordance with medical indications and use it himself.

  • If this is not possible (here we mean a disabled child), it is permissible for his legal representative to drive.

  • Together with a disabled driver (or his legal representative), a maximum of two people can use the car.

Please note that car insurance benefits cover 50% of the cost of insurance. Only the amount specified in the insurance policy will be taken into account. The insurance premium itself must be paid without delay.

It should be noted that compensation may exceed the notorious 50%. It may even be full. The decision on this is made by the authorities of each region independently.

How can a disabled person apply for this benefit?

The registration of benefits on the territory of the Russian Federation is carried out by the social protection authorities. To receive them, the interested person must provide the following package of documents to the specified authority::

· Statement,

· documents that prove the identity of the applicant;

· documents on the ownership of the car;

· insurance policy;

· receipt of payment of the insurance premium under the contract;

· vehicle passport.

Do not forget that in order to receive compensation for the current year, you must submit your application before December 10. Once the application has been reviewed, compensation can be received at your place of residence.

Is it possible for a disabled person to refuse repairs under compulsory motor liability insurance and take the equivalent in cash?

The bill strictly defines cases when a motorist can refuse repairs and prefer the cash equivalent.

This can be done if the car cannot be restored, or the cost of its repair exceeds the payment limit under the European protocol (50 thousand rubles) or compulsory motor insurance (400 thousand), and the owner is not ready to pay extra. Another reason is damage to other property rather than the car in an accident.

According to the latest version, the insurance company will have to pay money if the driver died in an accident or received severe or moderate injuries. Disabled people of groups I and II can also demand payment of monetary compensation. But not more often than once every three years.

The motorist will also receive a payment in kind if problems arise with the service station. Service stations must also meet certain criteria: repairs take no more than 30 working days, are located no more than 50 kilometers from the scene of the accident or the residence of the victim, and have a license to repair if the car is less than two years old.

The cost of MTPL policies is determined not at the initiative of the insurance company, but is approved by the Bank of Russia. It is calculated according to a certain algorithm, based on the base rate, which is multiplied by the odds.

In some cases, the driver can reduce the final price by his actions, for example, accident-free driving, or receive another discount.

○ How to find out your MTPL discount?

You can check your discount on the RSA website. To do this, you need to find the appropriate section and fill in information about the owner, the number of drivers allowed to drive, passport details, the start date of the contract, information about the vehicle, full name and date of birth.

If all information is entered correctly, the system will issue a coefficient that is valid for the existing insurance contract. If no agreement is concluded, then the value will be 1.

○ How is the cost of compulsory motor liability insurance formed?

The cost of the policy consists of the tariff and applied coefficients. All indicators are approved by the Bank of Russia, and the insurance company does not have the right to increase their value, therefore the cost of the policy in all insurance companies is the same.

For example, for a category B car owned by a citizen, the base rate is 3,432 rubles, which is multiplied by the coefficients:

  • Territories.
  • Accident-free driving (bonus-malus).
  • The number of persons admitted to management (if the number is unlimited, the coefficient has a maximum value).
  • Driving age and experience.
  • Vehicle characteristics (power).
  • Availability of a trailer.
  • Insurance period.

The values ​​of all coefficients are given in Bank of Russia Directive No. 3384-U dated September 19, 2014.

○ KBM.

This is also the bolus-malus coefficient assigned for accident-free driving. For each year of such use of the car, the discount increases by 5% or decreases. The coefficient changes every year based on the data of the insurance contract.

Accordingly, in order to receive a discount, you need to drive your car carefully and not get into an accident.

The coefficient is determined by the driver's class. All new drivers have class 3 and a coefficient of 1. Then, after a year of accident-free driving, the motorist is assigned class 4, a coefficient of 0.95. If he gets into an accident once and receives one payment, then his class will become 1, and the coefficient will increase to 1.55.

○ Violation rate.

If the insurance conditions are violated, the driver will be subject to a violation coefficient. It has only two values ​​1 and 1.5. The coefficient is assigned in the following cases:

  • Providing false information in order to reduce the amount of the insurance premium.
  • Intentional road accident.
  • Intentionally causing harm to the health of another person.
  • Intoxication causing an accident.
  • Deprivation of rights.
  • Leaving the scene of an accident.
  • Driving a car by a driver who is not included in the insurance.
  • The collision occurred during a period when the policy was not in effect.

In addition to the increasing factor, the driver will be fined or lose his license for committing an offense.

○ Age and experience coefficient.

It is determined simply: the lower the age and experience, the higher the coefficient and vice versa. Young inexperienced drivers will pay the most, their coefficient is 1.8. The smallest value is 1.

  • “Up to 22 years of age inclusive with driving experience up to 3 years inclusive – 1.8;
  • More than 22 years with driving experience up to 3 years inclusive – 1.7;
  • Up to 22 years of age inclusive with driving experience over 3 years – 1.6;
  • More than 22 years with driving experience over 3 years - 1" (clause 4 Appendix 2 to the Directive of the Bank of Russia dated September 19, 2014 N 3384-U)

○ Territory coefficient.

Determined based on the traffic congestion of a certain subject and the number of accidents. It differs in different regions.

As a rule, it has the highest value in large cities and densely populated regions, such as Moscow (2), St. Petersburg (1.8), Chelyabinsk (2.1), Rostov-on-Don (1.8). The lowest - 0.6 in Crimea, Chukotka Territory, Jewish Autonomous Region.

In other regions, the coefficient has an average value from 1 to 1.8. In a subject, the coefficient is usually less than in its center.

○ Discounts for regular customers.

Some insurance companies offer discounts to regular customers or as part of a promotion. These discounts come entirely from the insurer and are not regulated by federal law. Therefore, in order to buy a policy at a reduced price, you need to either be a regular customer of an insurance company that shows loyalty to clients, or follow promotions and news in the insurance industry.

○ What if the insurance company did not provide a discount.

When taking out a policy, the insurance company may not provide a discount on the CBM. There are several reasons:

  • The driver changed his license and did not inform his insurer about it. Accordingly, there is a discount, but it applies to the old document. To avoid such situations, you need to notify the insurer about changes in the details of the driver's document in the database.
  • An error was made when filling out the policy. The data in the database is entered from the policy, so it is recommended to read it and check all the data. If an error is discovered after purchase, you need to contact the insurer and demand that the errors be corrected and the cost recalculated.
  • The insurance company lost its license and was liquidated, and along with it, the information disappeared. In this case, the driver must act through the PCA and restore his discount independently.

In this article, we will look at what benefits there are under compulsory motor insurance for disabled people of groups 1, 2 and 3 in 2019. But first, you should learn about the MTPL policy in more detail.

Automobile liability insurance in the Russian Federation is mandatory for all car owners. A document confirming the availability of such insurance is the MTPL insurance policy.

The Government of the Russian Federation establishes the value of the basic insurance tariff for compulsory motor liability insurance. The cost of insurance is calculated for each case individually by multiplying the base rate by special coefficients.

In what case can a disabled person receive benefits under compulsory motor liability insurance?

In accordance with the law, disabled people have the right to receive benefits under compulsory motor liability insurance. To do this, it is important to fulfill the following conditions:

1) a person with a disability must have a vehicle that meets his medical requirements. He must use this machine himself. If it is impossible to fulfill this condition (for example, we are talking about a disabled child), then his legal representative may be driving;

2) A maximum of two people can drive a car together with a driver who has a disability (or his legal representative).

Keep in mind that insurance benefits provide coverage of 50% of the cost of insurance. Only the amount written in the insurance policy is taken into account. And the insurance premiums themselves must be paid without delay.

By the way, compensation for disabled people for compulsory motor liability insurance can be more than 50%. There may even be full compensation. The authorities of each region resolve this issue separately.

How is this benefit for disabled people issued?

Such benefits are issued on the territory of the Russian Federation by social protection authorities. To receive them, interested parties must provide the following documents to the mentioned authority:

  • identification documents of the applicant;
  • statement;
  • documents confirming ownership of the car;
  • insurance policy;
  • a receipt for payment of the insurance premium according to the contract;
  • car passport.

Don't forget: to receive compensation for the current year, submit your application before December 10. When the application is reviewed, the person will be awarded compensation at the place of residence.


03.11.2019

To protect movable property, the law of the Russian Federation provides for the purchase of a policy that covers the costs of an insured event on the road using a motor vehicle. In the article we will tell you how the MTPL benefit for disabled people is issued in 2019, we will consider the amount and timing of receipt.

Compulsory motor liability insurance agreement for disabled people

One of the measures of social assistance to vulnerable citizens is preferential conditions for the use of various services. Disabled people who own a car are entitled to a benefit for purchasing a compulsory motor liability insurance policy in the form of 50% compensation of the total cost of insurance compensation.

Car insurance costs are reimbursed:

  • disabled people provided with transport on preferential terms or free of charge. Benefits for children with disabilities are also relevant.
  • provided that the purchase of transport occurs for medical reasons, with the cost of a free car from the social support fund offset.
  • persons driving vehicles who are included in the MTPL policy.

In this case, a car for disabled people is a vital necessity, compensating for the partial mobility of a citizen, delivering him to his place of study, work or medical institution. For a child who has been disabled since childhood, one of the parents, guardians, or trustees will be involved in driving the car.

Preferential conditions for compulsory motor liability insurance for families of disabled people

Favorable conditions for reducing the cost of the MTPL policy for all car owners for accident-free driving, as well as general driving experience and other conditions, cover disabled people and families of disabled people. Insurance companies, without exception, provide a reduction in cost for not creating dangerous situations and long-term cooperation with the same company.

Compensations paid upon the occurrence of an insured event are also paid to the families of disabled people. The legal right granted to them to a 50% discount when paying for the policy can also be used by families of disabled people. Cars for sedentary citizens are equipped with special manual controls. Disabled people have the right to park, for which special spaces are provided in all parking lots.

As a participant in transport traffic, a disabled person does not have any special advantages on the road and is obliged to follow driving rules, as required by law. In case of violation, sanctions provided for by administrative legislation are applied to the disabled driver.

Who can apply for MTPL benefits/how to apply/where to apply

Like any compensation, the MTPL benefit requires documentary evidence in order to take advantage of it in full. In this case, material support occurs in declarative form. The purchase of a policy is carried out by a preferential group of citizens on a general basis.

According to the rules of the insurance company, the cost depends on the driver’s experience, the number of accidents and other conditions that the insurer takes into account when concluding or renewing a car insurance contract. Upon completion of the transaction, the disabled car owner or his legal representative receives a package of documents consisting of a contract, payment documents and the policy itself.

Important! The compensation is assigned and paid by a social organization, where the disabled person must submit an application requesting compensation, indicate the details of the insurance documents and the method of receiving the monetary part of the compensation.

Copies of documents received from the insurance company and a document confirming the citizen’s disability are attached to the application.

Providing and receiving benefits under compulsory motor liability insurance/documents

Monetary compensation is assigned and paid at the place of residence of the disabled person. To do this, you need to contact your local social security department and provide documents confirming the expenses:

  • MTPL insurance policy;
  • payment documents for car insurance;
  • vehicle passport issued to the owner of the disabled person, the official representative of the disabled child.

An application for benefits, with originals (to certify authenticity), copies of the listed documents are provided. The period for consideration of the application is 15 days, and the organization sends the decision to the applicant in writing.

Along with the application, you must provide payment details indicating your bank account, or indicate the method of receiving compensation (postal order, credit to a savings book). In most cities and regional centers there are MFC departments where you can also apply for monetary compensation under compulsory motor liability insurance for disabled people, get advice, sample applications and forms.

Head of the territorial structural department

social security in Ulyanovsk

Full Nameofficial

from last name, first name, patronymic

residing at: ____

Application for payment of compensation

I ask you to pay me compensation for the insurance premium I paid under the compulsory civil liability insurance contract for vehicle owners through:

post office no.___________

bank __________

(name and payment details of the recipient's bank)

I am attaching the following documents to the application:

  1. OSAGO insurance policy
  2. payment documents
  3. driver's license of a disabled vehicle owner

Date of application submission Signature of the applicant

I confirm the information specified in the application

Incoming application numberApplication acceptance date

Signature of the employee who accepted the application

If a positive decision is made, the period for payment of compensation is up to 30 calendar days. In case of refusal, the applicant will be given an official notice indicating the reason, which he can appeal in court or a higher authority (for example, in the regional security service). The period within which a disabled person or legal representative can apply for unpaid compensation is three years from the date of conclusion of the car insurance contract, but no later.

Restoration of vehicle owner's motor vehicle liability insurance under compulsory motor liability insurance

The accident-free driving discount (ADR) is a coefficient when calculating the cost of a car insurance policy. It is provided to disabled car owners on a general basis, in accordance with the rules established by the insurance company. The coefficient may be reset to zero if the driver’s driving experience is interrupted or depending on the number of accidents the car owner has been involved in. The car owner's history is taken into account in a single database, which the insurer can use when concluding a car insurance contract.

If there is no technical failure or error, the discount can be restored in person or through the insurance company by providing the following documents:

  • citizen's passport;
  • driver's license;
  • insurance policies from previous driving periods.

The method of applying in person on the insurers' website can speed up the process. It is also possible to send documents and an application by Russian post.

Replace repairs with cash payment

In the event of an accident, the insured vehicle must be repaired. After assessing the damage, a specialist draws up an official report on the condition of the car. And the injured party notifies its insurer in writing with a request to consider the insured event and then send the vehicle for restoration.

Disabled car owners may require a specialized repair service due to the specific equipment of the vehicle. Special identification marks are installed on a disabled person’s car, indicating that they belong to a special group of citizens. The vehicle is equipped with additional equipment for transporting persons with limited mobility.

It often happens that restoring a car is simply not cost-effective. For disabled people of groups 1 and 2, a rational solution is provided to reimburse all costs in monetary terms. That is, restoration repairs can be replaced with money in the following cases:

  • serious harm was caused to the health of the vehicle owner;
  • the accident resulted in the death of the owner.

Cash compensation can be used once every three years for each car owner involved in an accident (injured by the actions of another driver).

CASCO benefits for disabled people

For disabled car owners, regional authorities can establish an increased percentage of compensation for vehicle insurance (more than 50%). The compulsory insurance policy is subject to reimbursement in the amount of ½ of the costs incurred by the social service of the region at the citizen’s place of residence.

Insurance under the CASCO program is concluded simultaneously with the main insurance, at the request of the owner and does not require mandatory availability. At the same time, the insurance policy provides a more extensive compensation program in the event of an accident. Insurance becomes more profitable if the driver has a long driving experience, carefully drives the vehicle (without accidents), if the driver plans to insure movable property against theft.

The CASCO franchise service covers expenses in full in the event of an accident. Favorable conditions are provided in the case of a credit car or an expensive vehicle. Disabled people whose inactive citizens are provided with transport by social services, as well as families with disabled children, can take advantage of this insurance program at their own expense. Preferential conditions may be provided when concluding a movable property insurance contract by insurers personally.

Reasons for refusal to provide benefits

The vehicle insurance program for the owner of a disabled person on a contractual basis includes an extensive list of damage in an accident, compensating for losses with monetary compensation or repair work within the framework of the insurance policy. Significant reasons why disabled car owners are denied compensation:

  • violation (gross or repeated) of traffic rules;
  • the driver was drunk at the time of the incident;
  • if the car had technical faults.

An important factor that influences a possible refusal is incorrect documentation of the causes and culprits of the accident. Disabled drivers need to promptly contact the traffic police traffic police, representatives of the insurance company, and, if possible, prevent the vehicle from moving in the place where the accident occurred.

Legal Act No. 534 of October 11, 2004 established a mandatory method for reimbursement of vehicle insurance costs for all car owners, including disabled people and families of disabled people. This document outlines the conditions for using a car for sedentary citizens. The vehicle must be purchased with the help of the social protection department, and the authorized person driving the vehicle must be indicated in the insurance. This may be one or both parents, guardians and other trusted persons, but not more than two people.

Documents must also be submitted to receive compensation for the costs of compulsory motor liability insurance. If these conditions are not met, the owner will most likely be refused payment of preferential compensation in the established amount.

Example of calculating the amount of benefit

If a disabled driver or his official representative purchases a car insurance policy for the first time, then in such cases the third class of insurance is automatically assigned. The calculation method is aimed at creating financial protection in the event of a traffic accident for both participants.

When calculating the value, the following indicators are taken into account:

  • transport power;
  • driver experience;
  • the number of times an insurance contract is concluded;
  • driver age;
  • the area in which he permanently resides.

Calculation details (conditionally):

  • Basic tariff – 4118 rub.
  • Vehicle power - over 70 to 100 inclusive hp, coefficient - 1.1
  • Place of registration of the owner - Moscow, coefficient - 2
  • Period of use - 3 months, coefficient - 0.5
  • Drivers allowed to drive - Limited list, coefficient - 1
  • Minimum age and experience - Age up to 22 years, experience up to 3 years, coefficient - 1.8
  • Class for accident-free driving (ACD) - Not insured before, coefficient - 1
  • There are gross violations of insurance conditions - No, coefficient - 1
  • 4188x1.1x2x0.5x1x1.8x1x1= 8153.64

The total cost of the insurance policy will be: 8153 rubles. 64 kopecks

OSAGO belongs to the category of compulsory types of civil liability insurance for citizens who own cars. An insurance policy allows, if necessary, to cover unexpected damage caused to the health of the car owner and his passengers, as well as to the vehicle.

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Consequently, if the owner of the car gets into an accident, the resulting damage will be compensated by payments from the insurance company with which the contract was concluded. The final payment amount is specified in the agreement. In turn, the insurer, after the examination, must cover the damage not to the owner of the insurance policy, but to citizens who suffered in a road traffic accident.

Payment of MTPL compensation to disabled people

Many citizens are interested in the question of whether disabled people are entitled to monetary compensation when applying for compulsory motor liability insurance, and what needs to be done to receive it. This issue is regulated by the provisions of Article 17 of the Federal Law “On Compulsory Insurance...”. As a result, disabled people, including disabled children, who own cars for medical reasons are entitled to compensation.

Its amount is 50% of the paid insurance premium in accordance with the terms of the insurance contract.

At the same time, in Moscow, until recently, the amount of compensation was 50% of the amount of the insurance premium, but no more 1980 rub.. Payments of compensation were made from the city budget. The basis for the payments was the order of the Moscow government dated November 3, 2004 No. 2202-RP and dated April 27, 2005 No. 699-RP. However, these regulatory legal acts have lost force on the basis of Moscow government decree No. 743-PP dated November 10, 2015.

Under what conditions is it paid?

Compensation is paid subject to the use of the car by a person who is entitled to receive such compensation. Two drivers can apply for payments at the same time. The main condition for providing MTPL compensation to disabled people who purchased a technical device with personal savings is the presence of medical indications for the provision of special transport.

Such conclusions are usually issued by branches of the Federal Institution “Main Bureau of ITU...”.

Another reason is the traffic police’s mark in the vehicle’s registration certificate (PTS) indicating that the vehicle was issued by executive authorities.

Also, disabled people are required to submit a medical certificate confirming the right to drive a car with the appropriate design parameters of a driver who has disabilities. In other words, the document must indicate the absence of contraindications to driving. The indicated requirements are provided for by Order of the Ministry of Health and Social Development dated 04/12/2011 No. 302n “On approval of lists of hazardous production factors...” and Order of the Ministry of Health dated 09.29.1989 No. 555 “On improving the system of medical examinations...”.

Issues related to the development of special rehabilitation programs, including the establishment of medical indications aimed at providing appropriate vehicles, were regulated by Government Decree No. 805 dated December 16, 2004 “On the procedure for organization and activities...”. The regulatory document also determined the types, timing, and scope of measures for the implementation of medical and professional rehabilitation of citizens. However, the decree became invalid in 2010. Today, the personal rehabilitation program for citizens is enshrined in the provisions of the Federal Law of November 24, 1995 No. 181-FZ “On the social protection of disabled people.”

This includes rehabilitation measures that are provided to a disabled person free of charge and technical means of rehabilitation necessary for restoration and compensation for impaired body functions.

When buying a car, the question often arises about the type of manual control that is indicated for people with disabilities. A similar problem can be solved by developing a personal rehabilitation program. To do this, you need to add the corresponding entry to the TSR list of the “Car using personal savings” position. State ITU institutions can establish medical indications aimed at providing disabled people with technical devices for rehabilitation purposes. The notified body may also recommend the type of manual control.

Required documents to receive compensation

Payment of compensation is carried out by the regional departments of social protection of the population at the place of registration of citizens. The basis for providing compensation is the application of the disabled person or his legal representative.

In addition to the application, copies of the following documents must be attached:

  • Receipt for payment of the insurance premium.
  • Technical passport issued in the name of a disabled person. If the recipient of compensation is a disabled child, then you must provide a PTS in the name of his legal representative.
  • A medical certificate confirming that a driver with disabilities is allowed to drive a car with certain design characteristics.
  • Policy on compulsory civil liability insurance of the car owner.

Details about compulsory motor liability insurance in 2019

Every citizen living in Russia is required to insure a vehicle. The document that confirms the availability of this insurance is an insurance policy. The size of standard insurance tariffs is set by the government of the Russian Federation. The amount of the insurance policy is calculated for each driver individually, by multiplying the standard rate by certain coefficients.

As stated earlier, to receive compensation, a disabled person must fulfill the following conditions:

  1. Design a technical device suitable for medical indications and operate it independently. If this is not possible, for example, if the owner of the car is a disabled child, the vehicle may be driven by his legal representative.
  2. No more than two people can use the car together with a driver who has a disability.

Separately, it should be recalled that car insurance benefits provide coverage of 50% of the insurance policy price.

Only the amount specified in the policy is taken into account.

In this case, the insurance policy must be paid without delay. There are cases when compensation exceeds the 50% figure. Full coverage is also possible. It all depends on the authorities of each individual region.

Explanations on the implementation of powers to pay compensation to disabled people

The Ministry of Social Protection of the Population regularly receives requests about the duration of the period for which a disabled person is paid compensation for insurance under a compulsory civil liability insurance contract.

According to general rules, the insurance contract is valid for a year. This period is established by Article 10 of the Federal Law of April 25, 2002 No. 40-FZ “On Compulsory Insurance...”. Expenses associated with the provision of social assistance to citizens are provided for by the law on the federal budget for the next year.

Based on the clarifications of the Ministry of Social Protection dated January 17, 2013 No. 13-7/56, compensation for compulsory motor insurance expenses should be made in the current year.

Reimbursement for previous years is not provided.

Important information

It should be remembered that insurance not issued or issued late may become the basis for bringing the driver to administrative liability. The amount of the penalty depends on the specific circumstances, which will be discussed below.

Fine for driving a car without a license

A situation often arises when drivers leave their insurance policy at home. Such an offense is punishable by a fine. Its size is 500 rubles. (Article 12.3 of the Administrative Code). In some cases, the driver may get off with a warning.

In this case, a situation may arise when a traffic police officer insists that a forgotten policy is equivalent to expired insurance. Simply put, he can try to collect a fine of 800 rubles from the violator. It is important to prepare for such a situation and immediately prepare evidence for a future appeal of the protocol. More detailed information on solving the issue can be found on the Internet.

If the insurance is expired

From time to time, you come across drivers who drive a car while carrying an expired insurance policy. For such an offense a larger fine is provided than in the previous case. Its size is 800 rubles. A similar fine awaits the driver for the complete absence of an insurance policy.

If the driver is not included in the OSAGO policy

Almost every driver has encountered a situation where he urgently needs to get behind the wheel of someone else’s car. Naturally, there is simply no time to reissue an insurance policy.

Such an offense is punishable by a fine.

Its size is 500 rub. (Article 12.37 of the Administrative Code).

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If you drive during an unforeseen period

The driver can reduce the period of use of the vehicle by 6 months. Consequently, the cost of the policy becomes less. However, driving a car will not be possible all year round.

This method of saving is most suitable for summer residents who do not use a vehicle in the winter.

If you violate the specified deadlines and drive a car with an expired policy, the violator faces a fine of 500 rub.

Parking fine for lack of insurance policy

This year, the evacuation of cars to an impound lot in the absence of a compulsory motor liability insurance policy cannot be applied. Until the end of 2019, for lack of insurance, traffic police officers could impose a ban on the use of a car by removing license plates.

In 2019-2016, this type of punishment is no longer applied.

The absence of an insurance policy is grounds for imposing a fine.

Amount of insurance coverage

By law, an insurance policy requires a certain limit on payments to the injured party. Payments are made upon the occurrence of an insured event.

The amount of insurance coverage is 400,000 rubles, of which 240,000 rubles. accounts for compensation for harm to the life and health of victims and 160,000 rubles. goes to compensate for the damage caused to the property of the victims.

For disabled people who wish to receive compensation, it is important to remember that to receive it for the current year, you must submit an application no later than December 10. After considering the application, you need to apply for compensation to the territorial department of social protection of the population at the place of registration of the recipient. Using the above recommendations will help you avoid unpleasant situations with the traffic police and receive compensation in a timely manner.

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