Checking the OSAGO policy on the base

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

The OSAGO policy database was created to reduce the number of fake insurance documents. In the Russian Federation, motor vehicle owners are required to insure the car under OSAGO insurance. But not all insurance companies are bona fide insurers. There are also scammers.

Acquisition of OSAGO agreement

Verification of the OSAGO policy on the PCA base has become relevant. Now the majority of clients work with the Internet. And 3-5 days after the purchase of the policy, you can check its authenticity on the main PCA website.

Car accident

MTPL policy is required in case of a traffic accident. If the client turned out to be the injured party, and the culprit fled, then the OSAGO policy database will be a must. It is impossible to find out the body number, chassis number, VIN code, TCP number without police officers. But the state registration plate can be used to verify the existence of an insurance contract. This information will help you to know if the client will be able to receive payment from the insurance company. Authentication of the OSAGO policy on the PCA database will speed up the receiptinformation.

Checking the OSAGO policy for authenticity against the database is also useful if the client himself is the culprit. If the policy turned out to be fake and an accident occurred, then the client will have to pay for the repair of the affected car. OSAGO makes life easier for car owners, but the choice of an insurance company must be taken seriously, since the policy is a guarantor of payment of damage to the injured party, and we are talking about large sums (the cost of cars and spare parts is high), which can not always be found immediately. The OSAGO policy database helps to check documents in order to avoid further problems in case of an accident.

When filling out the form online, you must specify the date. If the client simply wants to verify the authenticity of the document, you need to specify the date of the current day. And if an accident occurred with a third party, you need to indicate the date of the event, since the validity of the document is important for this particular period of time.

Main check

Checking the OSAGO policy on the basis is carried out through a single system of the AIS RSA (automated information system of the Russian Union of Motor Insurers). It is carried out online. This requires a minimum package of documents.

Algorithm of actions:

• log in to the authentic PCA site;
• select the item "Checking the OSAGO policy";
• then “Form Status Information”;
• in the window that opens, you need to type the policy data - series and number; series, presented in letters, number - in numbers;
• specify code with verification;
• click on "Search";
• the answer will be displayed on the screen.

Answer options

CTP policy database provides several answers.

• The policy is genuine, the insurance company entered all the data into a single database. In this case, a table with data will appear: the status of the form - the policy was issued to the insured (client), the name of the insurance company that sold the policy, the date of verification. Here you need to check the expiration date to make sure it has not expired.
• The policy exists but has expired. A table will appear, as in the first option, but the difference will be that the “policy status” column will indicate that the deadline has passed.
• There is no contract. In this case, checking the OSAGO policy in the database will provide information that the form with these numbers is missing or does not exist. After that, you need to re-enter your data in order to avoid mistakes, as customers often make mistakes in numbers and receive incorrect information.
• Customer has submitted an application for insurance, but the contract has not yet been concluded. In this case, checking the OSAGO policy on the PCA database will provide information that the form is with the insurer, the name of the company. If the contract has not been concluded, then the status of the form will not change. This situation occurs if the client has applied for a contract, but the insurer has not yet made a decision.
• The client purchased the policy, but the company did not enter the data into the database. After purchasing insurance, you need to wait 3-5 days, then search for an agreement in the database. If througha week after the purchase, there will be no policy in the database, you must contact your insurance company for clarification. If nothing changes, then you need to write a complaint or question to the PCA database.
• The policy was cancelled. A table with form details will appear. But the "status" will indicate that the contract has been terminated. Insurance companies have the right to cancel the contract if the client knowingly provided false information. The contract is considered terminated from the moment it is discovered that false information has been provided.

Additional types of checks

Checking the authenticity of OSAGO based on PCA is also carried out using additional devices and other documents.

• The database of OSAGO policies by vehicle passport number is checked on the PCA website. To do this, select "Check OSAGO", then the window "Information for determining the insurer according to the vehicle passport" will appear, enter the document number, the series is not needed. Then select the "Find" button, a table with information will appear in which the insurance company will be indicated. If nothing appears, then a fake document has been sold. The PCA system recommends checking the TCP number additionally, as customers may make mistakes and the information will be distorted. Also, most customers confuse the document numbers of the PTS (vehicle passport) and STS (vehicle certificate). The series and numbers of these documents are different, you do not need to enter the STS number.
• Checking the authenticity of the OSAGO policy based on PCA using VIN. The VIN is listed indocuments of STS and TCP. On the official website of the PCA, you need to select "Check OSAGO", "Information / Information about the victims." In the table that opens, you must enter the VIN number, vehicle registration plate, body number, chassis, verification code. Next, select "Search". If the policy is valid, information about insurance will be released, if not, then the document is fake. When entering the VIN code, you must be careful, as it consists of numbers and English letters. In the process of insurance, you need to pay attention to writing all the information in the policy and only then sign it. It may also happen that the document is real, but an error was made in the policy itself during insurance.

Features of the PCA website

In case of an accident, disputes are possible, to determine the number of included drivers, the database of OSAGO RSA policies will help. This request is included in the verification form, enter the series, driver's license number. If the answer is yes, the program will respond to the question in green. But, using only the series and number of the driver's license, there is no way to find out the OSAGO policy in which he was entered.

The PCA site allows you to find discounts if they were lost earlier. For example, a client insured a car, but only then noticed the absence of discounts. The insured must go to the PCA website, indicate the requested data: passport, driver's license (if there was a replacement, then information about past rights). Within a week you will receive a response to the mailbox with information about discounts. You need to print the letter and go to the insurance company withthis document to restore the class.

Powers of insurance companies

Before purchasing a policy, the client needs to check the authority of the insurance company he has chosen. The right to sell OSAGO insurance is licensed by the Central Bank of the Russian Federation. The list of insurance companies is constantly changing, as not all of them meet the standards and stay afloat. Before buying, the client can ask the representative of the insurer to show a license for the sale of the OSAGO insurance product. If he is denied for lack of reason, then it is better to refuse to purchase the policy.

Note

Customers who buy fake policies have the option of receiving an insurance payout, but the process can take a long time. If the court establishes that the owner of the vehicle purchased the policy, paid in full, the contract was concluded, then the probability of payment will appear. This item was specified in the recommendations of the Supreme Court of the Russian Federation.

Customer actions in case of false policies

If the PCA system has detected the absence of a policy in the database, the client will need to contact his insurance company. To do this, you need to write a free-form application asking for an investigation within the company, attach a copy of the policy and receipts to it. Sometimes the above steps do not help. In this case, the competent authorities will come to the rescue, which will establish why the concluded contract is not in the system.