OSAGO insurance without additional insurance

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

The OSAGO policy must be mandatory for all motorists. But getting it turns out to be quite difficult. User complaints about insurers appear on the forums every day. The latter refuse to sell the policy, citing the lack of forms, and offer to issue any other service. But the inspectors say that there are no problems with the documents, the unwillingness to conclude contracts is illegal. So, how and where can you get OSAGO without additional insurance?

Situation

Since 2003, driving without OSAGO insurance has been banned in Russia. The fine for violating the rules is 800 rubles. For a long time there were no problems with auto insurance. On call, the agent was ready to come to any place in the city. But a year ago the situation changed. Companies began to refuse to issue OSAGO, citing the lack of forms or long waiting lines. Although there were still problemspreviously. FAS, Rospotrebnadzor, RSA and other regional governments began checking the activities of organizations, but there is no result. OSAGO insurance without life insurance or other services is practically not issued. Drivers either have to overpay for the policy several thousand rubles, or write an application to refuse the service and wait for an answer for another 30 days. Most choose the first option. In those insurance companies (IC) that draw up documents without additional services, there are queues of several dozen people a day. And you can buy a "clean" policy only in the office, and not through an agent. But experts say there are other ways out of the situation.

Cost

Depending on the region and the insurance company, a “clean” OSAGO will cost 4-6 thousand rubles. Plus additional services. At the same time, it must be remembered that higher coefficients are used for residents of rural areas and many small towns. Therefore, the cost of the policy can reach up to 10 thousand rubles. This situation does not suit all drivers. It turns out that driving without OSAGO insurance is fraught with a fine. But the policy itself has grown in price by 2-3 times. What to do in this case?

Renew policy in advance

Experts advise car owners to apply to insurance companies (IC) no later than 2-3 months before the expiration of the previous contract. According to Art. 445 of the Civil Code of the Russian Federation, the organization is obliged to issue a document within 30 days after receiving the application. The changes that have come into force prohibit companies from refusing to provide services without real respectfulreasons. If this happens, you must write an application to the main office of the company with a request to issue OSAGO without additional insurance. If after 3-5 days there is no answer, you can go to court. But this is already an extreme measure.

Action algorithm

Choose an insurance company. Look on the website on the Internet, whether there are its representative offices in your city. The application will be accepted by mail, but you will have to go to the office to get the policy.

Prepare a package of documents:

• Vehicle (Vehicle) Registration Data.
• Statement in two copies. A sample can be downloaded from the company's website.
• Driver's license.
• Diagnostic card. It can be issued at the service station or immediately in the UK, but for a double fee.
• Identification document of the insured, or certificate of state registration of a legal entity (if the application is made in the office).

These papers with the inventory must be sent to the company by registered mail with acknowledgment of receipt and wait another month for a response. Usually the result comes earlier. The countdown starts from the day you receive a notification of delivery of the parcel.

You can personally go to the UK and write an application for registration of OSAGO without additional insurance. But this will take more time and nerves. In addition, you need to make sure that the number, date and signature of the responsible person with a seal are put on the application.

The letter that will arrive in the mail will most likely be refused bysome fictitious reason, as well as an offer to stop by the office and find out all the nuances on the spot. Employees of the branch will advise you to apply for a “clean” OSAGO in a month. However, your application must already be recorded in the database. To confirm your words, grab a notification from the mail and the response of the UK from the main office. Further actions depend on how events develop. It is possible that employees will ask you to pass a technical inspection before issuing a policy. By law, they do have the right to do so. The client will be assigned a time and place to meet. It is very important that these actions are recorded on paper in the form of a formal letter of invitation. Next, you need to arrive at the appointed time and place. Most likely, the client will immediately receive OSAGO insurance without additional services. The tariff is calculated individually for each vehicle, but in general, 3-4 thousand rubles. you can meet.

Driver Tips

For those who do not want to spend months on paperwork, "friends in misfortune" offer a more extreme option. During a visit to the office of the UK, "turn on the fool." On the proposal to issue an additional 2-3 policies to agree. Each contract is concluded and signed separately. And you need to pay after paperwork. Therefore, when an employee of the company transfers the payment order, sign only papers for "autocitizen". You can opt out of life insurance. Since the document has been issued, the payment order has been confirmed and paid, employees of the company do not have the right to refuse to issue OSAGO without additional insurance. itwould be a gross violation of the law. But just in case, this whole process should be recorded on audio or video.

More about calculations

Even if you managed to obtain OSAGO without additional insurance, agents can increase the rate due to coefficients. All these figures cannot be verified. But one of them still lends itself to calculation. This is a bonus-malus indicator for accident-free driving. If a client constantly takes out a policy in the same insurance company and does not apply for compensation, then in theory he should be credited with a discount. In practice, not all companies use this ratio or set it equal to "1". The correctness of the calculation can be checked online. To do this, on the site "KASKometr" you need to find out the class of KBM, and then calculate the "bonus-malus" coefficient.

Transit insurance

Situations in life are different. Very often, drivers buy cars in other areas and then transport them to their hometown. But if a deregistered vehicle is bought, then 10 days remain to complete the formalities (passing through maintenance and obtaining a policy). First, a short time. Secondly, a person may not want to change the UK. You can, of course, at your own peril and risk, slowly get to your hometown. However, you must be prepared to pay a fine. Without OSAGO insurance, it was dangerous to drive earlier also because state registration numbers were removed from the car. Their restoration cost much more than the issuance of the policy. Changes in legislation that have come into force since the lastyear, canceled this measure of punishment and increased the fine from 500 to 800 rubles.

Specially for such cases, temporary OSAGO insurance without technical inspection has been developed. It is valid for 20 days, and costs about 500-1000 rubles. This time is enough to get to your hometown and do the paperwork.

Riding without OSAGO insurance

According to statistics, every fifth driver in Russia does not apply for a “car citizen” or forgets to renew it. As a result, law-abiding citizens suffer. If there are problems with compensation, they have to wait several months. But lawyers suggest how you can speed up the process of receiving a payment if the culprit of the accident does not have OSAGO insurance.

First you need to make sure that the absence of the policy is recorded in the certificate from the scene. You should also specify the address of registration and residence of the culprit of the accident. You can get information from the traffic police officers who issue certificates. Without this data, it will be very difficult to send a subpoena. You will also need to obtain an independent review report. It is desirable that the culprit of the accident be present during this process.

Then a pre-trial claim is drawn up, in which the route, the circumstances of the accident are signed, and the total amount of damage is indicated. In this figure, in addition to the assessment, you can include the cost of evacuating and storing a car, conducting an examination and moral damage.

Usually, after drafting the paper, the culpritagrees to compensate all costs in full and not to bring the case to court. Otherwise, he will also have to pay the state duty and the services of a lawyer. OSAGO insurance without life insurance will cost less than legal costs. So it is better to spend time on obtaining a policy than to compensate for all costs due to an accident later.

DSAGO as a way out

Voluntary third party liability insurance can really help out a person who has an accident. But before you buy a policy, you should soberly assess the likelihood of a particular situation.

The real average payment for OSAGO is 15 thousand rubles. Serious accidents are rare. This should be enough for experienced drivers. Experts recommend purchasing DSAGO only for beginners. As additional services to the policy it is offered:

• payment of compensation without depreciation;
• services of an emergency commissioner (in practice, he rarely goes to the scene of an accident);
• free car recovery if booked through UK;
• legal support (valid in theory only).

These additional services are actually rarely needed. The cost of the policy varies between 0.2-0.3% of the coverage amount. It is calculated in the same way as OSAGO.

No customer will like it when services they don't care about are imposed on them. But SK has its own rating of popular products. And if one of them becomes unprofitable in a given region, then agents, abusing the trust of customers, try to impose it. Although according tothis is prohibited by law, and a person has the right to refuse to take out extended insurance if he does not need it.

How else can you buy a "clean" OSAGO?

In order not to listen to agents' fictitious excuses about the absence of forms or data in the database, you can ask to write an official refusal to register the service. Of course, no one will provide this paper. But the insurer may want to get rid of you as soon as possible. Perhaps then he will agree to take out OSAGO insurance without additional insurance.

It is also worth using audio and video recordings while talking with company employees. This way you can collect evidence that will then be used in court.

None of the presented options can guarantee a 100% result. If the UK does not want to cooperate with you in principle, then you will have to contact the police, the PCA or the Antimonopoly Committee.

Suits

In the most extreme case, all issues will have to be resolved through the courts. By the way, clients often win such cases. Art. 445 of the Civil Code of the Russian Federation provides that the UK is obliged to conclude an agreement with a client in the presence of a license and forms. And any deviations for fictitious reasons will be severely punished (Article 15 of the Code of Administrative Offenses). In addition, the insurer may be legally forced to conclude a contract. Another thing is that not everyone wants to spend time and money on proceedings in court. According to new legislative norms, a fine in the amount of 50 thousand rubles may be imposed on the UK if a refusal to conclude is provedcontracts or the imposition of additional services. The second is easier to implement than the first.

Recommendations

The problem lies in the fact that the "avtocitizen" drivers need only to comply with legal regulations. But OSAGO insurance without additional insurance brings companies only losses. On this basis, conflicts arise.

To avoid litigation, calmly explain your position to the manager and make it clear that you are ready to go all the way. At the same time, it is worth worrying about collecting evidence in advance. Perhaps you will come across a sane agent or branch director who will agree to issue a “clean” OSAGO without additional “puzzling” and rescheduling meetings.

In the bottom line

It is better to search for an OSAGO company a few months before the expiration of the previous policy. Sitting in queues and waiting for forms, technical inspection, etc. will take at least 3 months.

Don't get hung up on one company. Call more organizations and find out the current insurance conditions. If agents say that maintenance is needed, agree. It makes no sense to spend money on a state inspection. Such a conclusion will not be accepted by the insurance company.

In decent organizations, admission is by appointment. Therefore, before the “X” day, it is worth calling the selected companies. Make sure that the price of the policy has not changed and sign up for a convenient time at 3-4 offices. Even if two of them fail, it will be possible to pass the inspection in the third one.

First of allyou should contact the UK in which the previous contract was drawn up. There is a small chance that you will be spared standing in line.

If it has become a matter of principle to issue OSAGO without additional insurance, then all meetings and conversations with company employees should be recorded on a phone or voice recorder. In the future, these records will help in court. Employees of the company do not have the right to take the footage. And if they threaten to call the police, then you should get ahead of them and call 112 yourself. Upon the arrival of the police, the work of the branch will be stopped.