What is OSAGO: how the system works and what it insures against, what is included, what is needed for

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

In the Russian Federation, insurance is divided into two categories: compulsory and voluntary. How OSAGO works and what is meant by the abbreviation? OSAGO is a compulsory motor third party liability insurance of the insurer. By purchasing an OSAGO policy, a citizen becomes a client of the insurance company to which he applied. After the conclusion of the contract, the owner has in his hands a policy of a strict accountability form or a document printed on A4 paper, certified with seals, as well as a receipt for payment. The policyholders are left with copies of the documents, the application. The application contains the full data of the insured and all entered drivers. The contract is valid for 1 year throughout the Russian Federation. If the client needs to insure the car for a shorter period, then it is possible to reduce the period of use. In case of an insured event, the owner of the car can apply to any office of the insurance company of the culprit. CMTPL risk is auto civil liability.

Documents

During the insurance process, the client mustprovide the representative of the insurer with the following documents: passport of the owner or policyholder, vehicle passport or vehicle certificate, driver's licenses of all drivers included in the insurance. Also, when you come to the office, you need to take your mobile phone with you. During registration, a password code comes, without which it is impossible to make insurance.

OSAGO actions in case of an accident

How does OSAGO work in case of an accident? The injured party must apply to the culprit's insurance company with his policy to receive payment. If the damage is more than the limit, then the victim has the right to recover the remaining part in court. Victims can be all individuals who have been harmed (life, he alth, damage to property).

How does OSAGO work if you are to blame? The culprit of the accident cannot receive payment for his car, as he is not the victim. How does the OSAGO policy work for the culprit? With it, the perpetrator does not need to cover the principal amount of damage caused to the victim. That is, there is no need to pay for your own and someone else's car. In order to receive a payment for yourself, you must insure the car using voluntary types of insurance. This is CASCO.

Cases of non-payment

How does OSAGO insurance work in different cases? The Federal Law "On OSAGO" has included exceptions to coverage, they are indicated in article 6:

• if the culprit is one vehicle, and the insurance is issued for another, the payment is set only for the car,indicated in the insurance;
• lost profits, moral damage caused due to a traffic accident are not insured events;
• training ride in a special place, tests, competitions;
• pollution;
• shippers' liability should also be insured if the damage was due to the cargo;
• life and he alth are not reimbursed while working if there are other types of insurance;
• the employer's loss due to the compensation of harm to the employee is not compensated;
• The car at fault cannot be covered by insurance;
• in the process of loading or unloading cargo;
• it is not possible to restore valuables with the help of OSAGO.

If the damage occurred due to the above circumstances, then there will be no payment.

Examples

The civil liability of the insured vehicle must occur. How does OSAGO work with the only participant in a traffic accident (driven into a tree, stump, garage door slammed, etc.)? Such events will not be insured events regarding OSAGO. The minimum number of participants in an accident is two. The perpetrator will be liable, and the victim will be en titled to compensation.

Damage to the car for unknown reasons (punctured tires, scratched with a nail, etc.) is not an insured event, since the culprit is unknown and not the owner of the car. For these cases, there is CASCO.

Damage must be received due to the operation of the vehicle during the move. For example, the car was damaged in the parking lot by other cars, the owner opened the door and damaged another car. This is not an insured event and there will be no payment, because the car must be in motion.

If the client has two cars, one had a policy, and the insured event occurred with another car, then there will be no payment, since the policy is tied to one car. The customer is required to purchase two insurances, one for each car.

Electronic OSAGO

Since 2015, policyholders have a new opportunity - to draw up a contract at any convenient time, without leaving home. How does the electronic OSAGO policy work? The client, using a computer connected to the Internet, can draw up an agreement on his own by choosing the insurance company he likes. To do this, you must enter all the requested data in the database, pay. Payment can be made in any way convenient for the client: bank cards or the type of electronic payment systems. Next, the policy will come to the mailbox, you need to print it yourself, since you need a paper version while traveling by car. Such a policy is an analogue of the insurance of a conventional policy on sheet A4. Where does the electronic OSAGO work? The official website of public services allows online registration. The cost when concluding a contract in the office and on the website should not differ, since the base for all insurance companies is the same. In addition, the office offers other voluntary insurances, if the client wishes, they are issued.

Actions of the CMTPL electronic policy depending on the year of manufacture of the vehicle

How does the electronic OSAGO policy work depending on the age of the car? Before concluding insurance, the owner of the vehicle must enter all the data in the form on the website, put an electronic signature and wait for a response. There may be a failure, an error. The client does not understand why OSAGO does not work. Lack of technical inspection of the vehicle does not make it possible to conclude an agreement. A diagnostic card is a mandatory document when applying for a policy if the car is more than three years old.

Entering erroneous information into the database

After entering all the information, you need to double-check it, as the slightest mistake will not allow you to draw up a contract. Therefore, in order not to wonder if OSAGO works, it is necessary to accurately enter the data. If you managed to draw up a contract with errors, then in case of an insured event, there may be a refusal to pay, because an error is the presentation of incorrect information.

System failure

Programs are updated periodically, so if the system does not respond for a long time, you need to try to issue a contract the next day.

Fraud

Electronic OSAGO gives rise to the emergence of new scammers on the Internet. Compliance with the requirements for the sale of policies is regulated by the Central Bank of the Russian Federation. Last year, 840 fake sales domains were removed. After registration and payment, the client does not receive a document in the mailbox, therefore, demand from the insurance companydamages are not possible. It is illegal to draw up a contract for a commission, and also if the cost of insurance from the insurer turns out to be much cheaper.

There are rules by which the client can avoid scammers.

1. Self clearance without mediation.
2. The right of the insurer to sell the policy. On the website of the Central Bank of the Russian Federation, you need to check whether the company has a license. An insurance company may have a license, but for other types of insurance, so you need to check the license for OSAGO.
3. Determination of the official website of the company. To identify a duplicate of the site, you need to check if there is a green circle with a checkmark and the caption "Register of the Central Bank of the Russian Federation." There are also minor changes in the address bar of fake sites.
4. Doppelgänger sites invite customers with the signatures “quickly, simply, cheaper, I will help you get it”. The cost of the original cannot be several times cheaper and does not change depending on the chosen insurance company, it is regulated by the PCA.

Types of OSAGO policies

OSAGO is divided into several types:

1. Period of use of the vehicle: full, applies to insurance for one year; short, from three months.
2. The number of drivers who are allowed to drive: limited, drivers who have the right to drive a vehicle are indicated; unlimited, any capable natural person can drive.

The law does not contain information on the maximum number of drivers included in the insurance. But in the formThere are only five columns. With limited insurance, you can enter up to five people. If you need more, then you need to choose unlimited insurance. Such insurance will cost about twice as much.

Policy price

The cost of insurance is based on the base rate and adjustment factors. Tariffs are regulated by the Central Bank of Russia and have the right to increase or decrease them once a year. But since the cost of cars is growing every year, respectively, the prices of spare parts as well, then we are talking about an increase. How does OSAGO work, based on the territory of registration? There is a certain coefficient related to the territory, each region has its own. There is also a system of discounts for customers, the class of the driver depends on break-even, driving experience, age. Therefore, it is impossible to immediately answer the question of how much insurance will cost. The program itself issues the cost.

The validity of the policy abroad

How does OSAGO work abroad? The policy en titles the owner of the vehicle to transfer liability to the insurance company only within the Russian Federation. Before traveling abroad, you will need to buy a similar insurance, which is mandatory in other countries - a green card (Green Card). The document is checked at customs, it can be purchased at insurance companies, sometimes registration takes place at the border. Tariffs are standard for everyone, but depend on the duration: for one year the cost will be within 12,000 rubles, for 15 days - 1,300 rubles.

Obligation to purchase insurance

Throughout the Russian Federation, the use of a motor vehicle is possible only with an OSAGO insurance policy. After buying a car within ten days, the owner is obliged to insure OSAGO. The insured and the owner of the vehicle may differ. The policyholder can be any capable individual who has provided all the necessary documents.

No insurance policy

When driving a motor vehicle without a mandatory insurance policy, the owner must pay a fine. If he becomes the culprit in an accident, there is an obligation to independently compensate for damage to the victim.

If the previous contract expired, but the car will not be used for a long time, it is not necessary to insure it again. There is no pen alty for cars parked in a garage.