State Duma Limits Automatic Repeat Fines from Cameras for Lack of Car Insurance

11:30; 13 November 2025 year

The State Duma has adopted in the first reading amendments that will prevent drivers from being fined more than once a day for the absence of compulsory motor insurance (OSAGO). This decision eliminates the main legal conflict on the way to automatic detection of uninsured vehicles using cameras. Without the new norm, a driver who forgot to renew their insurance could have received dozens of fines during a single trip: 800 rubles for the first violation and up to 5,000 rubles for each subsequent one. Now, similar to the case with technical inspection, the violation is recognized as ongoing, meaning it cannot be instantly eliminated on the road. ### Bankrupting Transport The problem of uninsured vehicles in Russia remains acute. According to various estimates, from 5 to 7 million cars are driven without insurance, which accounts for 5-7% of the total vehicle fleet. For law-abiding drivers, in the event of an accident with an uninsured offender, they have to claim damages through the courts, which takes time and money. For the OSAGO insurance market, the losses of insurers from payments to victims of accidents with uninsured offenders are indirectly factored into the cost of policies for everyone, thereby raising prices for honest car owners. ### Technical Barriers and Interdepartmental Interaction Despite legal progress, the launch of the system is being hampered by technological problems. The key issue is data synchronization. According to representatives of the National Insurance Information System, their databases are fully ready for integration. On the side of the traffic police (GIBDD), the delay is related to the modernization of the "Spider" system, which is currently undergoing updates. Due to the lack of synchronization, even if a driver buys insurance, this information may appear in the GIBDD system only several days later. To avoid unfair fines, a "waiting period" is provided: a fine will be issued only if a car without insurance is caught by a camera again after 10 days. ### New Revisions The bill may soon be supplemented with new changes. It will be revised for the second reading. Deputies have already proposed accelerating the entry into force of the amendments in order to quickly start combating mass violations. According to experts, lawmakers will have to do a lot of work to ensure that the new amendments become an optimal balance between tightening control and protecting the rights of motorists.

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