Insurance magic: drivers face erroneous fine for lack of compulsory motor insurance

In 2026, Russia plans to launch an automatic check for the availability of compulsory motor insurance through road cameras. This may lead to a wave of erroneous fines.

The new algorithm will check the car's data against the register of insurance policies, but the system is already revealing a vulnerability at the testing stage. The contract Compulsory motor insurance may not be displayed in the database if the state number of the car was not specified when applying for the policy.

This situation often occurs with newly purchased cars, when the number has not yet been assigned or has not been entered correctly.

In this case, the camera records the car, but does not find the policy in the register and generates a fine, although the driver is actually insured. An erroneous decision can be canceled through the State Services, but you will have to spend time on appealing. You can avoid a fine if you add numbers after receiving an insurance policy.

Insurers assure that after the official launch, the system should work correctly, but experts suggest adding a mandatory policy check simultaneously by VIN and registration number - this will eliminate most errors and protect bona fide motorists from unjustified fines.

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