Is it obligatory to insure life when insuring a car? Do they have the right to oblige life insurance?

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

Is it obligatory to insure life when insuring a car? For some time now, this question has been of interest to almost all motorists who take out insurance for the first time. And those who renew an already existing document also do not always know the answer to this question.

Since the OSAGO policy is obligatory for purchase, many insurance companies began to actively offer various related services as a “cherry on the cake”. You can understand them. After all, the more services the IC manager can sell, the higher his own remuneration will be. But every insurance costs money, and often a lot. So is it worth buying an extra service, especially if you don't need it?

In this article we will try to answer the questions that concern every car owner. Is it necessary to insure life when insuring a car in Ingosstrakh, RESO, Rosgosstrakh and any other organizations? let'sthink about it.

Forcing additional services when applying for insurance

Since few people know for sure whether it is mandatory to insure life when insuring a car, many insurance companies, even quite large and eminent ones, began to use this fact to their advantage. It got to the point that insurers began to massively refuse to issue OSAGO without purchasing additional service packages. At the same time, they all cannot fail to understand that such actions are absolutely illegal.

The calculation is that few car owners will want to spend their nerves and money in an attempt to defend their rights. Approximately 70% of motorists agree with the requirements of insurers and purchase a service they do not need.

Is it obligatory to insure life when insuring a car? In "Consent", "MSK", "Ingosstrakh" and other insurance companies know exactly what is not. But what happens in practice? And here's what. When you come to apply for a policy, there are a thousand and one reasons to refuse you. But do you need to travel? Then you will have to agree to all the proposed conditions or look for another insurer.

What does the law say?

Is it obligatory to insure life when insuring a car? No and no again! And such a statement is by no means unfounded, but is confirmed by the following laws:

1. “About OSAGO” - this document does not imply the mandatory presence of any other insurance.
2. "On consumer protection". Yes, Art. 16.2 tells us what to condition the purchase of one goodacquiring "to load" another is prohibited.
3. Code of Administrative Offences, art. 15.34.1. It provides for the responsibility of the insurance company for an unmotivated refusal to issue an OSAGO, as well as coercion to purchase an additional service. The fine for such an offense is 50 thousand Russian rubles.

Why is additional insurance optional?

Of course, every driver, even the most careful and accurate, while on the road, risks his life and he alth. But whether it is necessary to insure life when insuring a car, only he himself can decide. Since nowhere, in any legislative act, these types of policies are mentioned together, life insurance is absolutely not related to the action of OSAGO. As the main law of the state says, a person has the right to manage his own he alth and life. Therefore, in this case, coercion is a direct violation of the current legislation.

Why is this happening? First of all, unscrupulous insurers do this. Taking advantage of the fact that many consumers do not always know their rights and are not ready to defend them, they seek to get as much illegal profit as possible. However, this phenomenon can and even needs to be fought.

How to find the right SC

For example, to the question "Is it necessary to insure life when insuring a car" in "Uralsib" will only answer positively. And for some reason it was for this insurance company, according to reviewssocial media users receive the largest number of complaints. However, other SCs are also not far behind.

There are at least two most common tricks used by unscrupulous insurers. When you come in with the intention of reissuing insurance, the OSAGO forms suddenly run out or the computer program freezes. All interference miraculously disappears when the client agrees to take out additional insurance.

It is very difficult to answer the question of how to find the best insurance company. The fact is that the same IC can work in good faith in one region and commit violations in another.

So, if you are in doubt whether it is necessary to insure life when insuring a car, it is better not to go to VSK, for example. At least in the Ryazan region. According to numerous reviews of car owners, most offices of this insurance company will not even explain anything to you. Don't take out life insurance? Then there are no OSAGO forms, come back in a week. However, it is likely that such reviews are erroneous.

How to protect your rights: the first way

Having read up to this point, you probably already understood whether it is necessary to insure life when insuring a car. OSAGO is quite realistic to get without paying for additional services. How to do it? There are at least 3 completely legal ways. As practice shows, they are all very effective.

Knowing the possible difficulties with obtaining a policy, in advancestock up on a voice recorder or the presence of two witnesses. Invite the IC employee to issue OSAGO, while indicating that you do not intend to issue any other insurance. At the same time, you can notify the IC manager in advance that your conversation is being recorded on a telephone, voice recorder or video camera. If you are denied, then, regardless of the reason, require written confirmation that OSAGO cannot be issued.

After that, you will have to put the car in the garage and go to court. All available evidence must be attached to the application: refusal, recording from a dictaphone, written testimonies of witnesses, and so on.

This method has certain advantages:

• you will receive OSAGO without additional "options";
• you can demand some amount from the offender for moral damage - you were forced to use public transport and were very worried about it;
• if you use the car for official purposes, you can add the amount of lost profits;
• real damages can be recovered: refunds for taxi rides, bus tickets, subway tokens, and so on.

This method also has a drawback - the trial may take about three months.

Second method

For those who do not have time to wait so long and run around the courts, there is another option:

• come to any insurance company;
• declare your desire to receive OSAGO;
• listen to the groans of the manager thatthere are no forms, after which you agree to all the conditions;
• pay for all additional insurance services and get your hands on the coveted OSAGO;
• the next day (and possibly the same) write an application addressed to the head of the department of the insurance organization with a request to terminate the life insurance contract;
• as a reason, you can directly indicate that you did not intend to conclude such an agreement, and the manager did not explain to you your right to refuse it;
• attach the policy, contact phone number and bank details to the application;
• send it all to the UK by registered mail with indispensable acknowledgment of receipt and patiently wait 14 days.

Since the insurance organization has no right to refuse to terminate the contract, the manager will call you back in a week (or maybe even earlier) and offer to clarify exactly how you want to receive the money.

However, there is one underwater pebble that you should definitely pay attention to. This refers to the pen alty that you will have to pay for the cancellation of the policy. If it is more than 10-15% of the cost, then this does not make sense. In this case, the method cannot be called sufficiently effective.

Another option: FAS

A visit to the Federal Antimonopoly Service (FAS for short) can also bear fruit. True, for this you will have to get an official refusal to issue OSAGO. As you understand, the UK is in no hurry to extradite him.

If you are not given a written refusal,but they don’t draw up a policy without indispensable life or property insurance, agree. But when signing the document, next to your signature in 2 copies, write "without compulsory property insurance (life or anything else), the provision of OSAGO was refused." Now, with your copy, feel free to go to Rospotrebnadzor or the nearest branch of the FAS. There you will be helped to restore your rights, and the UK will be fined.

Conclusion

Since today the majority of car owners are still not ready to defend their rights, many insurance organizations continue to pursue their illegal customer service policies. To reverse the situation, it is necessary to respond to each such case. Since you now know for sure whether it is mandatory to insure life when insuring a car in MSK, Sogaz, Prominstrakh, NASKO or any other company in Russia, you will no longer be able to impose an add-on that you do not need.