2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
How does the availability of insurance for drivers in case of an accident makes life easier.
Since 2002, it is no longer necessary to sue the accident participant yourself, everything will be done by the insurance company. With the introduction of this act, it is legally possible to demand from the culprit of the accident, and to be more precise, from his insurance company, compensation for harm that was caused to the life, he alth or property of the victim.
But modern technologies are rapidly moving forward, penetrating into the insurance industry. So the next innovation was not long in coming. OSAGO policies began to be issued electronically. This, of course, has its advantages: you can not come to the office of the insurance company, but do everything yourself, and even without leaving your home, you don’t have to waste your time waiting in lines, pay extra money for the registration process itself, besides a paper policy could always be lost, but here everything is easy and simple.
And now about the cons. There are a lot of enterprising people in our country who like to save money, and simply gullible citizens who sincerely believe that someone out of kindnesssincere will issue them a policy practically for nothing. Perhaps that is why a bunch of offers appeared on the Internet about the services of issuing an OSAGO policy cheaper than market prices. This opens up a wide field for the activities of scammers.
How to check the authenticity of OSAGO insurance
Suppose the insurance is issued, everything seems to be in order, but somewhere in the depths of the soul the thought torments: "What if it's a fake?". How to check the authenticity of OSAGO insurance "? You can use the following methods:
- PCA by form number;
- PCA according to vehicle data;
- through intermediary sites;
- visual inspection.
Checking PCA by form number
The most reliable, and most importantly, the fastest and free way to do this is to contact the official website of the PCA. It is not difficult to check the authenticity of OSAGO insurance by the form number, you just need to correctly fill in the fields "Form Series" and "Form Number", tick the box that you are not a robot, click the "Search" button.
The system can issue several status options: located with the user, expired, lost, invalid. The best of these would be "Located by the user". This status means that the document is valid and the car owner took the original.
By the way, since 2019, an increase in fines for the lack of an insurance policy for the driver comes into force. The amount of the pen alty is five thousand rubles, which is quite noticeable for an ordinarydriver.
Checking PCA according to vehicle data
How can I check the authenticity of insurance for OSAGO, if there is no policy form at hand. This situation is possible if the document is lost, and an accident has occurred, and the data must be urgently entered into the protocol. Then the TCP will become a faithful assistant, because it is there that you can see the chassis number and VIN number. In the form that opens, in addition to these data, you will have to enter the state number of the vehicle and the date at which you need to know the authenticity. Similarly to the first request, check the box "I'm not a robot" and click the "Search" button.
Through intermediary websites
Where can I check the OSAGO insurance for authenticity if the PCA website is not available (this may be if technical work is underway)? In accordance with the rules of the site, users must be warned 24 hours before the start of such work, indicating the start and end time of the work. You can enter the website of the insurance company in which the policy was issued. Insurance companies periodically unload from the PCA database and save it for their own purposes. Therefore, you can refer to the data from the SAR database, downloaded earlier. Another option is to go to the "Security" or "About Fraud" menu using navigation (different insurance companies have their own interface) and fill out the form there with the data of your policy.
Visual check of OSAGO policy
How to check the authenticity of insurance for OSAGO visually? Herestep by step algorithm.
- The form should be slightly larger than an A4 landscape sheet.
- All holograms and watermarks must be legible.
- A metal thread must be sewn on the left back of the policy, on counterfeit samples it is either completely absent or simply glued on.
- Pay attention to the series of the form, for paper policies it looks like EEE, and for electronic policies XXX.
How to avoid counterfeiting an electronic policy
So that there are no questions about how to check the OSAGO electronic insurance for authenticity, you must initially follow certain rules for choosing a site for registration. Many scammers try to make duplicate websites of well-known insurance companies included in the TOP-10. To do this, they use company logos, design styles, color combinations and other tricks to deceive users. To avoid these tricks:
- Check the website for PCA. The official portal has a complete list of insurance company websites with a valid license as of today.
- Pay attention to the signs near the site. The Yandex search engine puts an icon next to the websites of insurance companies that are included in the register of insurance business of the Central Bank of the Russian Federation. This sign guarantees the authenticity of this source with one hundred percent probability.
- Check the availability of a personal account and registration in it. When registering an electronic OSAGO, registration in your personal account is required. If this item is missing, then, definitely, there were some scammers here.
Any major insurance company cares about its reputation, so if the question still remains: "How to check the authenticity of insurance for OSAGO?", You can always call the hotline and clarify the points of interest. Each driver has the right to know what he pays money for, it remains only to choose the method of obtaining reliable information.
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