How long can you drive after the expiration of the insurance policy? Is it possible to drive a vehicle without an insurance policy, and how can you drive legally without compulsory insurance? Cases when driving is possible without insurance
Any driver must have with him and present upon request to the road inspector the vehicle registration documents and an active compulsory motor liability insurance policy (Traffic Regulations Art. 2.1.1; Order of the Ministry of Internal Affairs No. 59 “On the procedure for registering vehicles” 2003/27/01).
But a freshly purchased car is not burdened with any registrations or insurance. In order not to incur the wrath of traffic cops and not to come into conflict with the law, you need to clearly know how long you can drive under a purchase and sale agreement. Otherwise, fines and sanctions cannot be avoided.
According to Government Decree No. 1156 2012/12/11, the driver is obliged to present to the traffic policeman:
- driver license;
- OSAGO;
He is not required to show other documents, including the paper on the acquisition of property.
If there is nothing other than the purchase and sale agreement and the agreement, then the DCT will become a salvation (in some way and under certain circumstances).
A good half, or even more, of drivers and inspectors are sure that appearing on the road without compulsory motor insurance is not only illegal, but also burdensome for the wallet. Their confusion is dispelled by two documents:
- Federal Law No. 40 “On Compulsory Motor Liability Insurance” 2002/25/04 editions 2016/23/06 and 2016/01/09, Chapter 2 Article 4 Clauses 2 and 6;
- Decision of the Supreme Court of the Russian Federation No. AKPI12-205 2012/17/04.
The MTPL Law specifies the unquestioning obligation of driver's liability insurance no later than 10 days from the moment the ownership of the car arises (Clause 2, Article 4). While motor vehicle liability is not insured, the owner of the car assumes all risks and bears full responsibility for compensation for damage caused on the road (clause 6 of article 4).
The moment of acquisition of property by the Civil Code, Article 223, refers to purchase, inheritance, etc. Ten calendar days are given to the new owner to undergo maintenance, obtain a diagnostic card, and obtain insurance and registration documents.
During the 10 designated days, the only document for the car can be considered a purchase and sale agreement, a certificate of acceptance of inheritance or other supporting documents (depending on the origin of the property).
Talks about fining an irresponsible car owner who does not have a policy.
In the body of the article, the term “deliberately” is used, which indicates that the article does not apply to drivers whose lack of insurance document is not due to intent, but to natural circumstances.
Moreover, people are brought to justice under the Code of Administrative Offenses only for completed violations; in this case, a “road violation” can be considered completed (registered) only after the 10-day “quiet period” has expired, during which the car owner must perform the necessary actions. At the end of this one and a half week period of time, it will be possible to say that the action (inaction) of the car owner led to an unlawful result.
The question of whether it is possible to use vehicles without insurance at this time, which has caused ambiguous interpretations and fierce debate, is clarified by the Supreme Court Decision No. AKPI12-205 2012/17/04, paragraph 14:
“...before the expiration of the ten-day period allotted to the owner of the vehicle for concluding a contract of civil liability insurance, the driver of such a vehicle has the right to drive it without an appropriate insurance policy, which directly follows from the contested norm of the Rules, which provides for the driver’s obligation to carry this insurance policy with him only in cases established by federal law."
Thus, you can drive without compulsory motor insurance, but not for long. It’s better not to delay its registration - without a policy, you won’t be able to register a car according to all the rules.
In the event that only a purchased car is stopped by a road inspector, the supporting documents for presentation will be a dated purchase and sale agreement and the text of the Supreme Court Decision.
Having a printed AKPI12-205 with you is advisory in nature and is due to the fact that, alas, some traffic cops are not familiar with the legislative framework in full and operate only with traffic rules, Orders of the Ministry of Internal Affairs and individual articles of the Code of Administrative Offenses. Therefore, the phrase “I don’t know such a resolution,” unfortunately, periodically sounds from the mouths of traffic police officers.
Ways to legally drive an unregistered car
Without the insured liability of the car owner, it will not be possible to register a car with the State Traffic Safety Inspectorate (Ministry of Internal Affairs Order No. 605 2013/07/08; Law on Compulsory Motor Liability Insurance, Art. 4, Clause 2).
To register a car, 10 days are allotted after purchase, including holidays and weekends (Order of the Ministry of Internal Affairs No. 1001 “On the procedure for registering a vehicle” 2008/24/11, edition 2015/13/02). The fine for late payment, which was previously 100 rubles, has now been increased 20 times.
The transit option has ceased to be relevant since 2013 (Order of the Ministry of Internal Affairs), although it has not lost its legality.
Now transits are issued in exceptional cases only for 10 days and mainly to individuals and legal entities.
Moreover, the period for issuing transits has increased significantly, and the cost has increased. Extending the validity period of transits is prohibited by law.
A used car purchased with license plates must be re-registered within the same 10-day period. Otherwise, taxes and fines will go to the previous owner. During the days allotted for formalities, the car owner can drive with a DCT and a PTS, where he must be entered without fail. On the 11th day, if unfavorable circumstances occur, a penalty will be imposed on him, and he will also have to pay a “biting” amount to the traffic police for late registration.
Another option to travel for some time in a car that has not been re-registered is the old owner’s MTPL policy, which has no restrictions on users. Or the former owner will designate the new owner in the policy as admitted to management. This move works if the car was purchased through a contract from one of your close relatives.
A brand new car from the showroom has no license plates. Driving without state signs is punishable by law, but if you have a DCP, the same 10 calendar days are allowed for registration with the traffic police and obtaining license plates.
A complete list of situations allowing the use of a wheeled vehicle without license plates is given in Government Decree No. 938 on state registration 1994/12/08 edition 2016/25/05.
Manipulations with PrEP
The car purchase agreement writes off “current sins” for the new car owner and gives him a free hand for a week and a half. The imperfection of legislation allows one to manipulate the contract without violating the law.
The DCT, which justifies driving without re-registration, is signed by only two persons and does not provide for certification.
This situation opens two loopholes with the agreement, according to which semi-legal movement by car becomes completely legal and is not subject to sanctions:
- Renewal of the agreement in a week and a half will extend the “period of impunity” for another 10 days. Such an update can be done as many times as you like, if the former owner has nothing against it.
- Registration of a policy with an open date. In this case, the date can be entered into the contract in 5 seconds upon the arrival of “hour X”.
Before considering the specific time periods of the agreement between the insurer and the motorist, you should decide on the answer to the following question: are the contracts the same thing or not.
The MTPL policy is a document that contains the main terms of the agreement between the named parties. In it you can find:
Thus it turns out that the policy is the “material expression” of the contract between the policyholder and the insurer, its shape. Accordingly, to determine the validity period of the agreement between these parties, you just need to look at the policy. In its upper right corner the period of validity of the agreements is indicated.
If we talk about the deadlines established by law for contracts under compulsory motor liability insurance, they are as follows:
- 1 year is the general rule. That is, if a specific situation does not have any nuances, then the policy is issued for 12 months.
- 5 days or more – for owners of vehicles registered in foreign countries. The law does not explain what the maximum period of validity of the contract may be, but defines the following: insurance is issued for the period the car is in the territory of the Russian Federation.
Example: a foreigner came to Russia by car for 3 days. He will have to take out insurance for 5 days, because this is the minimum insurance period. Another example: a person came to the Russian Federation for 12 days. It is more than 5 days. Insurance must be taken out for this period. A situation where a foreign car will travel on the country’s roads for a certain number of days without insurance is not allowed.
- You can insure a car for up to 20 days in two cases. If the new owner goes to the place where the vehicle is registered. And if you need to undergo an initial or repeated technical inspection (we talked about the connection between registration of compulsory motor insurance and passing maintenance).
In Art. 16 Federal Law, which has already been mentioned, uses the term “limited use”. According to the provisions of this article, the car owner has the right to insure the car for a period of 3 months, despite the fact that it was stated above: as a general rule, the policy is issued for 1 year.
Insuring for several months is beneficial not only for owners of, say, agricultural machinery that is used only in spring, autumn and summer, but also for ordinary drivers who do not have the money to buy insurance for 12 months.
Read about the features of taking out a policy for a short period, and it talks about how to get insurance for six months, 3 months or less.
What happens after the deadline?
According to Art. 1 Federal Law “On Compulsory Motor Liability Insurance”, under a compulsory insurance contract, the insurer, having received money from the policyholder in a certain amount (calculating it is a separate story), assumes the following obligation: in the event of an insured event, pay the victim or several victims in an accident money, in damages account. The upper limit of payments is limited by law, but that is not the point.
Thus, if a driver whose insurance is expired causes an accident, he will have to pay for the damage out of his own pocket. The insurance company will “wash its hands”, rightly noting that at the time the incident occurred, there were no agreements.
Besides, According to the traffic rules of the Russian Federation, driving a vehicle without insurance is an administrative offense, for which the relevant Code provides for liability.
Is it still valid if the insurance has expired?
Based on what has already been stated, we note that the MTPL policy ceases to be valid (?). Past agreements between the car owner and the insurer are not taken into account. But calling OSAGO invalid is wrong. More precise wording:
- inactive;
- expired;
- expired.
Based on the norms of legislation, in particular civil law, a document that is drawn up with any violations of the law is considered invalid.
If the policy meets all current requirements, but its validity period has expired, then it cannot be called invalid. He's:
- made using official form;
- issued in accordance with the rules provided for by law;
- an insurer who has a license and other necessary documents, an insured who owns a vehicle and is legally competent.
But this is all a discussion about wording. By and large, it does not matter whether the policy is called invalid or inoperative. It is important that if the date and time of expiration have arrived, then there are no longer any obligations between the parties to the contract.
How long is the auto citizen valid?
If the policy was issued for 20 days or 12 months, then not at all. Insurance has expired. How can she act?! You need to apply for a new policy in advance.
If the driver's liability has been insured for several months, the insurance period can be extended. This doesn't happen automatically. You need to contact your insurer.
It appears that you can extend the validity period of your MTPL policy for a foreign car, if the period of his stay in the Russian Federation is increased legally.
How long can you drive if the deadline has expired?
The answer is clear: not at all. As noted, this is fraught with:
- civil liability in case of an accident;
- administrative responsibility.
If the OSAGO has expired, you need to leave the car in the parking lot or in the garage. Next, you can choose one of two options:
We would like to add that there are 50% discounts if the offender pays the fine within 20 days. Some sources on the Internet indicate that traffic police officers can remove state registration plates from cars. This information is not current.
Use our online calculator to calculate compulsory motor liability insurance online - compare prices from different insurance companies. Save from RUB 1,498 to RUB 3,980 as the base rate may vary by 20%. No need to go to the office - you will receive an insurance policy to your e-mail
Thus, The law prohibits driving if the MTPL has expired. Of course, the size of the fine discussed above is not scary. The scary thing is that the person at fault for the accident, who does not have liability insurance, pays for the damage from his own pocket.
Every experienced motorist in our country knows that current legislation does not allow driving a vehicle without a driver's license.
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There is even an administrative fine of up to 800 rubles(depending on the type of traffic violation). But there are cases when a citizen has only recently acquired a new vehicle and has not had time to apply for compulsory motor liability insurance for a brand new car.
For this, a certain period is provided that allows you to drive a car before taking out insurance, but it is important not to overstay it.
In this article we will talk about the possibility of driving without civil liability insurance legally, the timing of such driving, as well as the penalties provided for unscrupulous motorists.
We will also provide information on how long you can drive without insurance after deregistration. We will analyze in detail the most typical and common cases where driving without compulsory motor insurance does not make the driver a criminal.
Is it possible to travel legally?
Vehicle owners are interested in the issue of legal driving without a vehicle license; even some traffic police inspectors are not aware of this procedure. Let us immediately note that such a deadline exists.
Another question is what its time limits are. The main law in this area calls for mandatory presentation of an insurance policy at the request of law enforcement officers.
If you have not provided the required document, then the law allows you to fine such motorists, but there is no point in appealing such a decision.
But Federal Law No. 40-FZ, which came into force back in 2002, provided for a 10-day period for registering a vehicle and issuing an MTPL policy. It is known that the latter agreement cannot be concluded without state registration.
Many citizens willingly use this rule, without even thinking about the possibility of getting into an unforeseen accident, which is not at all excluded during the 10-day period.
Knowing or not knowing these conditions of the law, a fairly large number of motorists allow themselves to neglect the deadlines.
All the more harmless for them are the penalties, which are tens of times less.
How long can you drive without MTPL insurance?
There are certain exception cases that provide for legal driving without compulsory motor liability insurance for a certain time. Their legality lies in the fact that they do not contradict the provisions of the current rules.
Such cases include: driving a new or used vehicle that has recently come into the possession of a specific citizen, driving a vehicle by foreigners or with transit license plates.
Let's consider and analyze each example.
After its completion
Most drivers, unfortunately, still do not know that there is no one-month grace period for taking out a new insurance policy. This regulation has been out of date for more than eight years.
Therefore, a possible fine issued should not come as a surprise to the motorist. According to the rules, a car insurance policy becomes invalid immediately on the second day after the end date of the current one.
A driver who dares to drive onto the road with an expired compulsory motor liability insurance even by 1 day may be fined 800 rubles.
Practice shows that such a small amount of penalties does not encourage car owners to renew on time. Delay is regarded as the absence of compulsory motor liability insurance.
Seasonal policy issuance is possible. This means that a motor vehicle license can be valid for a certain period (for half a year or during the summer, etc.).
If it turns out that the motorist was driving the vehicle outside the established period, then he will face a fine of 500 rubles.
The main punishment for unscrupulous motorists may be an unforeseen accident, in which they, without exception, can become a participant precisely at the time of the absence of a valid MTPL policy.
When buying a new car
After purchasing a new vehicle, motorists have a 10-day period to register in the traffic police database and to purchase an MTPL policy.
It is noteworthy that car dealerships and lenders impose “on the sly” OSAGO and CASCO policies; I offer additional conditions that have pitfalls and are not always beneficial for the client.
But still, most buyers agree to such offers in order to save time. This has a positive effect on the statistics of purchasing insurance policies.
If you want to refuse the service of a car dealer, then do not buy into intimidation that there is no deadline for purchasing compulsory motor insurance.
There are times when, after an expensive purchase, you do not immediately have the required amount to obtain a motor vehicle title, you can use a 20-day policy, or insurance for any other temporary insurance.
Cunning and “enterprising” motorists rewrite the deed of purchase and sale every 10 days, which allows the next 10-day period to drive legally without insurance. But let us remind you again that the possibility of getting into an accident is not excluded.
And such an unscrupulous driver will be forced to cover all expenses from his own pocket.
Used cars
How long can you drive without insurance before registering? Similar rules apply to cases of purchasing vehicles on the secondary market.
That is, if a motorist decides to acquire a used vehicle, then he will also have a 10-day period for re-registration and purchase of compulsory motor liability insurance.
In order not to become an illegally fined driver, you should have the purchase and sale agreement with you during these days, otherwise it will be quite difficult for you to prove your innocence to the traffic police inspector.
To a foreigner
Let us remind you that this is an international insurance policy that covers the territory of many European countries, including the Russian Federation.
Its indisputable advantages are the ability to purchase in the country where the car is registered, travel across countries without re-purchasing a policy in each of them, it is valid for 15-365 days.
If a foreigner has such a card, then compulsory motor liability insurance is not mandatory. But it happens when the Green Card has expired, and returning to your home country at that time is impossible.
Thus, driving on the territory of the Russian Federation is illegal unless you buy a motor vehicle insurance policy.
The payment procedure for an insured event caused by a foreigner will be significant in terms of time, because initially you have to contact the foreign insurer and report the incident.
On transit numbers
It should be recalled that transit numbers are temporary registration plates that are assigned to a vehicle.
They are often used when driving cars across the border. But on the roads of our country you can find a sufficient number of cars with such license plates.
If the license plates are temporary, then this does not exclude the need to issue a policy.
Transit numbers are assigned for 20 days, so a period of 21 days is allocated for permanent registration and registration of a motor vehicle license.
For economic reasons, purchasing a policy at this time is unjustified, but again one should take into account the possibility of an insured event, which could lead to large expenses.
For different cases, almost the same period is provided for registration of compulsory motor liability insurance or for its extension.
This is provided for purchasing a vehicle license and signing an agreement. Such a time frame allows everyone to comfortably resolve all bureaucratic issues.
Fines
The decision of the Supreme Court of the Russian Federation regulates that traffic police inspectors do not have the legal right to fine motorists whose period of delay under compulsory motor insurance does not exceed 10 days.
This is what the law “On Compulsory Motor Liability Insurance” says:
This Code of Contraventions states that repeated driving does not lead to additional penalties.
This means that for a previously fined car you must pay to the state treasury an amount that does not exceed 800 rubles.
Such loyal punishments do not help improve crime statistics, but on the contrary, push motorists to deceive the law.
This is explained by economic considerations, because the cost of insurance is expensive for many.
Having MTPL insurance is not only a prerequisite for legal driving, but also a guarantee that after the occurrence of an insured event, there will be financial assistance to cover damages.
There are penalties regulated by the MTPL law, but their size does not serve as a warning to unscrupulous motorists.
A few years ago, vehicles of drivers without a vehicle license were punished for repeated fines by forced evacuation of the car to a special parking lot. Nowadays, the lack of a policy is not a reason for such measures.
The main questions that motorists ask relate specifically to car insurance. How long can you drive without insurance after buying a car?
Having discovered that your compulsory motor liability insurance has ended, how long can you drive without consequences? You can spend months paying fines. Or you might get into an accident. Three out of four such accidents result in costs and litigation.
In recent years, legislation has undergone changes. In 2018, the lack of insurance does not entail the removal of license plates or impound parking. A fine or administrative warning is possible. Depends on the circumstances. How to prove this to an unscrupulous inspector, what to do when the compulsory motor liability insurance expires, how long can you drive if you lose your valid form? We deal with our clients’ insurance practice every day and share our experience.
If compulsory motor liability insurance has ended, how long can you drive in 2018?
Until 2009, from the expiration of the insurance, you were given a month to apply for a new one. Now the extension is necessary immediately, and the question “if the compulsory motor liability insurance has expired, how long can you drive” has lost its meaning.
Movement is allowed in two cases:
- The car is insured under a Green Card outside of Russia by an international insurance company. If the insurance period expires on the territory of the Russian Federation, a Russian “motor citizen” is issued. Valid from 5 to 365 days. The green card is renewed in the country where the car is registered.
- The car has just been purchased. The state has given 10 days after the transfer of the right to transport for registration. Before that you need. If necessary, a diagnostic card. An acquisition is considered, for example, the conclusion of a purchase and sale agreement, a gift agreement, or the receipt of a car by inheritance.
What are the consequences of not having compulsory motor third party liability insurance?
When meeting with a traffic police officer, the consequences are negligible. The removal of license plates and the impound lot were abolished in 2014. Punishments are a fine and an administrative warning.
In case of an accident, the situation is more complicated. The chances of getting away with it are one in three.
Fines for driving without insurance
Fine - 500-800 rubles. Minimum 500 rubles:
- I have the form, but I forgot it at home. The only case when the inspector has the right to replace a fine with a warning. The condition is that the document will be delivered quickly.
- Eat . Stopped outside of this period.
- The driver is not registered. It is advisable for the owner to be in the car. Otherwise, you will be detained on suspicion of theft.
800 rubles are paid when insurance is not issued or has expired. There is no legal difference. The form was left at home, the traffic police officer writes out the maximum amount? There is no point in explaining. Write your disagreement in the protocol, indicating the reason. You have 10 days to appeal the receipt to the traffic police and the court.
| Violation | The form was not completed or has expired | The form is valid, forgotten at home | Driving outside the permitted period | The driver is not insured |
|---|---|---|---|---|
| Article | Part 2 Art. 12.37 Code of Administrative Offenses of the Russian Federation | Part 2 Art. 12.3 Code of Administrative Offenses of the Russian Federation | Part 1 Art. 12.37 Code of Administrative Offenses of the Russian Federation. | Part 1 Art. 12.37 Code of Administrative Offenses of the Russian Federation. |
Actions in case of an accident
After such accidents, there are three options - contacting the insurance company, deciding directly with other participants, or through the court. There are two participants in the incident? Check with the second driver for insurance availability.
Possible outcomes:
- The other participant is at fault, he is insured. With a certificate of an accident, contact the insurance company at fault.
- The other one is at fault, both without insurance. Only the court. Immediately call the traffic police to draw up a certificate. Reflect the culprit's lack of insurance. Make an assessment of the damage. Pay 800r. for lack of insurance. Immediately file a claim to recover compensation from the at-fault party.
- It's your fault, the second participant is insured. The victim's insurance company will pay him compensation, and demand it back from you.
- It's your fault, both drivers without insurance. Through the court. Hire competent lawyers, otherwise they will “attribute” the amount of damage.
The policy is lost, but the compulsory motor liability insurance has not expired, how long can you drive?
Even if you know your policy details, not having the form is a violation. It is not advisable to drive like this for a long time. If lost, contact your insurance company. A duplicate will be issued free of charge. Ignore recovery offers from unknown organizations. Scammers are common.
In case of an accident - a fine for missing a form. There will be no trial if you notify the insurer in time.
How to avoid difficulties?
By renewing your insurance on time, save yourself from problems. Use reminder services. There are many of them on any smartphone. And when working with a responsible company, be sure that you will be warned about the need for an extension. If your MTPL policy has expired, you don’t have to go get a new one. Order. We will deliver it for free in Moscow. Remember, a fine is the lesser of two evils in the absence of a “motor citizen”.
The answer to the question about the legality of driving without compulsory motor insurance after buying a car is actually not so simple. Some say that you can drive for 5 days without an MTPL policy, others say that you can drive without insurance for 10 days, and still others even say that you cannot drive before purchasing insurance. But the answer, although not simple, is clear. And to understand it, let's understand the laws a little!
Owning a car begins with signing a purchase/sale agreement. Not with the transfer of money to the seller, not with registration with the traffic police, but with the signing of an agreement - formally. In fact, buying a car should properly occur in the following order:
- the buyer makes payment for the purchased car;
- a purchase/sale agreement is signed;
- insurance is purchased for the purchased car;
- The car is registered with the traffic police under the name of the new owner.
The law establishes that the buyer, within 10 days after purchasing a car, must register it with the traffic police in his own name (clause 6 of Order No. 399 of the Ministry of Internal Affairs). And when registering, he must have a compulsory motor liability insurance policy. Also, the Federal Law “On Compulsory Motor Liability Insurance” establishes in its Article No. 4 the same period of obligation to purchase a compulsory motor liability insurance policy.
Thus, we have the legal right to drive for 10 days without MTPL insurance after purchase. And the period here should be counted from the date of signing the purchase/sale agreement.
But there is another opinion - supposedly, despite the fact that both Order No. 399 and the law “On Compulsory Motor Liability Insurance” give the right to delay the purchase of motor third party liability insurance and registration of a car with the traffic police for 10 days, there is no talk about management in these regulations. This argument is also given by many traffic police inspectors on the road. But they are not entirely right, since both laws provide for the right to use and own a car, and such a right cannot imply anything other than its operation, namely, its management. The Supreme Court of the Russian Federation adheres to the same opinion in one of its explanations on judicial practice.
We also provide you with two links: one and two - rulings of the Supreme Court of the Republic of Tatarstan with the cancellation of the decision to attract a driver for driving without compulsory motor liability insurance within the first 10 days after purchasing a car.
Calculate the cost of your MTPL policy
What to do if the inspector fines you for compulsory motor liability insurance before the expiration of 10 days?
What should you do if a traffic police officer still tries to punish you for not having a compulsory motor liability insurance policy, and 10 days have not yet passed after purchasing the car? In this case, the inspector can be explained about legislation that he may have forgotten about.
The inspector requires your insurance policy within the framework of clause 2.1.1 of the Traffic Regulations, which states that the driver, among other things, is required to carry with him and submit for inspection a compulsory motor liability insurance policy in the cases established by federal law. And this is exactly the case when the Federal Law “On Compulsory Motor Liability Insurance” gives the right to drive without compulsory motor liability insurance for the first 10 days.
If the inspector starts talking about the fact that the law does not give the right to drive a car for 10 days, then feel free to send him to the Supreme Court for clarification. Also indicate that if a decision is made against you, you will appeal it, and then submit a complaint to the management of this inspector and to the prosecutor's office.
What should I present to the inspector if I don’t have a compulsory motor liability insurance policy?
Here, too, everything is not entirely simple. In theory, according to the same paragraph 2.1.1 of the traffic rules, you are required to submit only your driver’s license for verification. But in practice, we strongly advise you to carry your copy of the purchase and sale agreement with you.
What if you get into an accident in the first 10 days without compulsory motor insurance?
Unfortunately, auto liability is not insured in this case, so if you are at fault for an accident you will have to pay out of your own pocket.
If you were innocent in the accident, and the culprit has compulsory motor liability insurance, then you will receive a payment, since compulsory motor liability insurance insures the driver’s liability in the event of fault in an accident, and not his property. And according to the law, you will need to contact the insurance company of the person responsible for the accident.
