The Supreme Court confirmed the right of drivers to not carry a…
The Supreme Court confirmed the right of drivers to not carry a paper OSAGO insurance policy with them. The Supreme Court ruled that drivers who have obtained an OSAGO policy in electronic form cannot be fined for the absence of a physical copy of the insurance or its printout.
Consensus
- The Supreme Court ruled that drivers with electronic OSAGO insurance are not required to carry a printed copy or display it on their phone.
- The case involved Mikhail Lopatin from Sverdlovsk Oblast, who was stopped by GIBDD officers in October 2024.
- Lopatin had an active electronic OSAGO policy at the time of the stop.
- He was initially fined 500 rubles under part 2 of Article 12.3 of the Administrative Offenses Code for not having insurance documents on hand.
- The Supreme Court overturned the fine, stating that such a requirement does not apply to electronic policies.
Points of divergence
- The Supreme Court emphasized that administrative liability under part 2 of Article 12.3 KоАП applies only when a driver has purchased a paper policy but lacks it at the time of inspection, not in cases involving electronic policies. — kommersant
- Experts noted that police officers are not always able to verify insurance via database, so drivers should still be prepared to show a printed copy or screen the policy on their phone. — kommersant
Coverage (2 sources)
- Supreme Court Confirms Drivers' Right Not to Carry Paper OSAGO Policy — Коммерсантъ
- Drivers do not need to carry a printed copy of the electronic insurance policy — Дождь