What is the penalty for not having the mandatory vehicle insurance?
Traffic safety: Rules for the safety of people and cargo, and their identifiers
Explanation
Not having the **mandatory civil liability insurance** on a vehicle has significant consequences.
- **Vehicle immobilization:** If a traffic officer stops a vehicle that does not have insurance, they will immobilize it at that moment. This means that the vehicle will not be able to circulate until the insurance situation is resolved.
- **Fine:** In addition to immobilization, the vehicle owner will have to pay a fine. This financial penalty is part of the consequences for not complying with the obligation to have insurance.
Therefore, the correct answer is that the penalty for not having the mandatory insurance includes **a fine and the immobilization of the vehicle**.
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