Check the OSAGO policy for PCA - step by step instructions and recommendations

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

Not so long ago, OSAGO policies have risen in price, which is why motorists had to spend much more money in order to protect themselves on the road. Such events led to the formation of unaccredited organizations in the insurance market, offering citizens to get a policy for less money. Of course, if you check the OSAGO policy for PCA, then you can easily determine its reliability. This is not too difficult.

However, some car owners deliberately buy such fakes, so that if they meet with a traffic police officer, they will not receive a fine. However, if he decides to check the OSAGO policy for PCA, then the car owner will have to answer in court for using a fake document.

In addition, invalid insurance forms can play a cruel joke in an accident situation. If the driver really turns out to be the culprit of the accident, then he will have to compensate all the damage from his own pocket. Of course the scammers won't do it for him.

That is why, after acquiring the document, experts recommend independently checking the OSAGO policy on the basis of the PCA (Russian Unionauto insurers). If the “car citizen” turns out to be fake, then on the official website of the organization or at the nearest representative office, you can file complaints and try to recover damages from the scammers.

How it works

To check the OSAGO policy on the PCA database, it is not necessary to study the data of the insurance companies themselves or require special information from them. The easiest way is to go to the official website of the Union of Motor Insurers and go to the "Check CMTPL policy" section. Next, you need to select "Information about the insurers." After that, a special form will open in which you will need to enter the series and number of the insurance form. When all the data is specified, it remains only to click on "Search" and wait for verification.

How to check the OSAGO policy for authenticity by PCA

To determine if the "autocitizen" form is real, just look at the result of the check:

• This policy will indicate its number, series, date of execution and expiration of the contract. The name of the company that issued it will also be displayed. In addition, users can check the status of the form. Usually the site indicates that it is in the hands of the car owner. All data in the table must fully comply with the information indicated on the paper policy. If the status or other facts do not match reality, it is recommended to contact the policyholder.
• If it is not possible to check the OSAGO policy number by PCA and instead of the table with data on the insurer, the error “Form is notfound”, then this only indicates that the document holder has acquired counterfeit paper. In this case, you need to contact the feedback on the site and clarify further actions.

What other options for invalid policies are there

Sometimes, before checking the OSAGO policy for PCA, motorists are surprised to find that the "Status" field indicates that the form is with the insurer. In this case, the car owner simply received a copy, not the original document. Therefore, it is necessary to contact the insurers as soon as possible and find out the reasons for this error.

Also, if you check the OSAGO policy by number, the PCA database may issue a third option. In this case, the "Status" field will indicate that the form has completely lost its validity. In addition, the date of conclusion and termination of the contract will not be indicated. This means that this policy was indeed issued to the car owner, but after that the document was canceled unilaterally. The driver might not even know about it.

In addition, in the "Status" column, it may be indicated that the policy is in the hands of a motorist. The dates of conclusion and termination of the contract will also be written. The last parameter is very important, because if the contractual obligations have already expired, then the form itself is considered overdue.

How to determine authenticity by visual signs

Of course, it is impossible to check the OSAGO policy for PCA immediately. Therefore, while in the office of the insurer, you should carefully study the issuedblank:

• Its height should be slightly longer than a regular sheet of A4 paper.
• On the front side there must be a special micro-mesh of bluish-green color.
• The certificate must have a clearly visible watermark, which indicates "PCA".
• On the right side of the reverse side there should be a small metal strip (no more than 2 mm in width), designed for additional protection of the document.
• The policy paper itself is made interspersed with red villi, which must also be present on the form.

You also need to pay attention to the ink. If after a few minutes of holding the form, traces of ink remain on the fingers, then this indicates that the document is guaranteed to be fake. The ink must not run or smudge.

In addition, it is worth remembering that the policy number must consist of a 10-digit numeric code, which is indicated in the upper right part of the form. At the same time, the numbers themselves should be slightly convex.

Today, only one series of forms is allowed - EEE. If the car owner is offered to issue a different type of policy, then he is dealing with scammers.

What to do if I bought a fake form

As soon as the motorist managed to check the OSAGO policy for authenticity according to the PCA and find out that he is holding a fake document in his hands, he must contact the police. You will also have to buy a new form and give it to the servants of the law.

If this is not done, then at a meeting with the traffic police inspector, he will have the right to accuse the car owner of purposefully acquiring an invalid document. It is important to remember that such an offense is a criminal one.

In conclusion

Fake poles of "autocitizenship" are not only those certificates that scammers make on purpose. Sometimes scammers steal blank forms from insurance companies and use them for their own purposes. In order to never face such problems, it is best to contact trusted insurers. At the same time, it is worth studying in detail the information about the selected company and clarifying the status of its license.