How to check the OSAGO policy for authenticity and what it is for

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

A genuine OSAGO insurance policy is not only financial assistance in the event of an accident, but also complete driving statistics of the car owner. To verify the validity of your policy, you can use the following publicly available methods. How to check the OSAGO policy for authenticity will be described in this article.

Why you need OSAGO

The name of the policy shows that it is needed for motor third party liability insurance. Moreover, this type of insurance is mandatory for all drivers.

Thanks to the OSAGO policy, the car owner receives guaranteed compensation for material damage caused to him as a result of an accident, of course, in the case when the owner of the insurance is the culprit of the accident. However, it should be understood that not in all situations it is possible to compensate for the damage caused only at the expense of the amount of money that is due to the driver under insurance. This policy is very convenient because the driver does not need to spendown time, nerves, as well as money in the case when he was the culprit in the accident. The fact is that the insurance company will deal with compensation for the damage caused. And, of course, we should not forget that the monthly amount of the insurance payment, as a rule, is much less than compensation for the damage caused. Thus, for any citizen who can get into an accident, OSAGO will be quite a useful acquisition. That is why you should definitely check the authenticity of the OSAGO insurance policy.

In addition, the price of the OSAGO policy, the amount of payments, as well as many other nuances are determined in accordance with the law, which makes it possible to reduce all disputes that arise to a minimum. At the same time, the law prescribes the amount of the minimum contribution, that is, no one forbids the car owner to pay a larger amount per month, thereby receiving a larger compensation.

How to find out the authenticity of the OSAGO policy

To avoid buying a fake OSAGO for vehicle insurance, you need to contact only those branches of companies that are listed on their official website. In addition, you can call the central department of the insurer and consult about this issue.

On the form of the OSAGO policy itself, a number of special signs are provided by which you can distinguish a fake from the original document:

• The original insurance is a little longer (about one centimeter) of an A4 sheet.
• From the front side you candetect a surface completely covered with a greenish-blue microgrid.
• If you bring the form to the light, you can find watermarks - this is the emblem of the PCA.
• On the reverse side of the policy on the right is a narrow (about 2 mm) metal strip.
• There are red spots on the surface of the letterhead.
• The blank itself should not stain hands or other touching objects.
• The policy number consists of ten digits located in the upper right corner, it should be convex to the touch.

So, having wondered how to check the OSAGO policy for authenticity, you can use the above tips and methods.

What if the policy is fake?

If it suddenly turned out that your insurance document is a fake, then it would be best to buy another one, and with a fake you should go to the police to open a criminal case. In a situation where law enforcement agencies find an unscrupulous seller, it will be possible to hope for a refund of the cost of a previously purchased policy. In the event that the driver himself decided to save money and purchase a fake document, it is important to remember the possible consequences. Firstly, if the car owner becomes the culprit of a traffic accident, then he will pay the injured party out of his own pocket. Secondly, he will be deprived of a driver's license, as well as brought to criminal responsibility or administrative, in addition, he will be issued a large fine. In order not to get into such an unpleasant situation in the futuresituation, you need to know in advance how to check the OSAGO policy for authenticity.

How to avoid becoming a victim of scammers

If an unfamiliar insurance agent offers to purchase or extend the validity of the OSAGO policy in the same company, or in the office where the contract was previously issued, then you should definitely ask him to provide a power of attorney for the right to this activity. In addition, you need to call the central office of the insurance company and ask if such an employee works for them. It is also not worth saving on the purchase of a mandatory document; you cannot purchase it from hand in clandestine places. It’s better to overpay a little and be sure of its validity, so that later you don’t have to wonder how to check the OSAGO policy for authenticity.

Helpful tips

When concluding an insurance contract, you should contact a time-tested company. When choosing it, it is better to ask for the opinions of people experienced in this matter. As practice shows, the reviews of drivers are the most correct. In addition, the authenticity of the OSAGO policy must be carried out at the time of signing the contract, that is, on the spot. It is better to play it safe once again than to solve unexpected problems later.