Cases of falsification of OSAGO insurance policies have become more frequent lately. In this regard, the Russian Association of Motorists (RSA), together with the government of the Russian Federation, decided to issue other forms. Let's consider the OSAGO policy of a new sample, its appearance, content, protective functions.
The most obvious difference between old and new car insurance is the change in color of the form. Previously, OSAGO was made in two tones with a predominance of green. Now "autocitizen" includes several different colors. From yellow, the policy gradually turns into pink-purple (see photo below).
The complex color design of the CMTPL of the new sample serves as additional protection against forgery.
Forms are made by Gosznak. All products of this organization provide for the presence of identification features that are difficult to fake. New policy OSAGO is manufactured with a high degree of protection.
The main characteristics of the current form:
paper has a high density;
around the entire perimeter of the document there is a micromesh protective ornament;
the background image of the car is located in the center of the document;
the presence of watermarks - when viewing the form in the light, you can see the inscription "PCA" and the image of the machine;
on the form there is a metallized strip on both sides, next to it is the inscription "OSAGO", when viewed against the light, the word "policy" is visible;
there is a unique QR code that allows you to find out all the information about the insurer;
different fonts are used to complete different paragraphs of the document.
Document size is another way to protect it. It exceeds the standard A4 format by about 1 cm.
Stamp of the insurer, which must have a logo, full name, addresses and phone numbers of the organization.
A series of 3 letters and a digital document number. In 2019, all classic OSAGO forms are issued under the MMM, KKK series, EEE is valid (issued until July 2018).
Under the name of the document, its series and number, there are two fields for entering the insurance period. In the smaller block (the first one), the date of the beginning and end of the contract is indicated. The second column (larger block) is provided to designate the insurance period (up to 3 periods).
The first block of insurance contains information about the insured (his full name).
The second paragraph should contain information about the vehicle and its owner. Here they indicate the make, model, VIN number, vehicle registration number, PTS or STS number and the name of the car owner. Also, according to the new requirements, in this column it is necessary to indicate the purpose of using the vehicle (personal, educational driving or commercial activity).
The third column contains information about the drivers allowed to drive the machine. If unlimited insurance is issued, then a note about this is put in the corresponding field.
Items 4-6 are filled in automatically and contain up-to-date information on the current insurance legislation.
In the seventh block, the amount of the insurance premium is prescribed. In 2019, a table appeared in this section to indicate the coefficients.
The eighth paragraph is intended for the insurer to make special notes regarding the concluded contract (for example, details of payment documents).
The final part of the document contains the following information:
the date of the conclusion of the contract and the issuance of the policy;
signatures of both parties (with decoding of the signature of the insurer);
round "wet" seal of the insurance company.
The OSAGO policy may be invalidated if it does not bear the round seal of the insurer.
In addition, the policies of the new series differ from each other. In "KKK" on the back there is a table for indicating additional insurance contracts. MMM doesn't have it.
According to No. 40-FZ, each insurance company must provide the opportunity to purchase policies online. In 2019, this feature is gaining more and more popularity due to the ability to save time on office visits and convenient ways product payment. Therefore, it is important to know what it looks like electronic policy OSAGO.
There is a difference with the "autocitizen" received offline. Insurance issued at the office and e-OSAGO are distinguished by the word "electronic" in the name of the document. In addition, e-OSAGO has a series of "XXX".
For a policy in in electronic format characterized by the absence of hidden and visually noticeable protective elements. The color doesn't matter either. You can print the form even on a black and white printer, and it will be legally binding.
CMTPL policies of the new sample differ from the old forms by an enhanced degree of protection against falsification, the color of the document and the presence of a table for calculating the premium. The changes did not affect the insurance structure. Key differences between classic and electronic OSAGO consist only in the name, series and protection of the document.
According to Federal Law No. 40, a person purchasing a vehicle must insure liability to a potentially injured party. The law has been in force for over 10 years.
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During this period, several types of OSAGO have been formed, which every motorist who is going to purchase a motor citizen should know.
By purchasing OSAGO, drivers are sure that they insure the car against accidents. However, this popular misconception is false. The policy is necessary to insure the liability of the driver to the injured party. If in the event of an accident the driver damages the property or health of another person, the insurance company will compensate for the costs. The amount of payments under OSAGO is regulated by law.
A person who has been in an accident will not be able to receive more than 160,000 rubles.
The maximum amount of payment is due in case of harm to human life and health. The total amount of payments under 1 policy during the year cannot exceed 400,000 rubles. Usually this amount is enough to fully cover the costs. If the limit is exceeded, the person will have to compensate for the damage on their own.
The policy is binding document, which every driver must purchase. If during the check the traffic police find out that the motorist has neglected the rules, a fine will be imposed on him. The amount of the penalty is 800 rubles. If a person does not want to spend extra money, he must conscientiously comply with the requirements of the law.
Insurance companies over time, the appearance of OSAGO changes. This is necessary to ensure the protection of car owners from unscrupulous companies that sell fake documents.
Today, the distinguishing features of OSAGO include:
The document can be filled out both by hand and using a computer. The paper should not contain blots and errors. Their presence makes the policy invalid. An insurer who finds information in the form that does not correspond to reality will refuse to pay compensation.
Today, types of OSAGO can differ significantly from each other.
Allocate policies:
All policies, except for travel, may vary in terms of validity. A person can purchase a policy for a period of 3 to 12 months.
There is a seasonal OSAGO. Paper saves money if the driver only uses the vehicle for a certain period. For accident-free driving, you can get a discount on insurance. But only the period, the duration of which exceeds 10 months. If the driver has purchased insurance for a shorter period, it will not be taken into account when forming the price of the service package.
Regardless of who owns the car, the vehicle must be insured. However, the registration of OSAGO can vary significantly depending on the status of the owner of the transport.
The main nuances of the operation include:
The differences depend only on the status of the person. It will not be possible to avoid changing conditions.
Except compulsory insurance the driver can purchase additional service packages.
This includes:
Some drivers believe that these are 3 types of OSAGO. They are almost right.
Service packages are very similar, however, CASCO and DSAGO do not need to be purchased at without fail.
Tariffs significantly expand the list of OSAGO options, but they are not able to replace it. By purchasing DSAGO, a person will increase the limit of liability for an incident. The package of services implies a larger amount of payments.
If the driver is involved in a serious accident, he will be able to count on compensation up to 3,000,000 rubles.. At the same time, the cost of the service package itself is low. A person will have to pay 1-5 thousand rubles. Experts recommend issuing DSAGO for drivers with little experience or residents of megacities. The heavy traffic of large cities increases the likelihood of an emergency.
OSAGO applies to complete list possible incidents. So if the car is stolen, the owner vehicle will not be able to claim compensation for the damages suffered. For such situations, CASCO is provided. The policy is more expensive, however, protects the owner's vehicle from a full list of accidents. The driver himself can choose the list of services that he wants to purchase.
However, car enthusiasts who only insure a vehicle against theft without buying an accident protection package are viewed with distrust by companies. Organizations are under the impression that the driver can cause damage to property on his own in order to obtain compensation. For this reason, it is better to purchase CASCO, which provides a full range of services.
The abbreviation stands for OSAGO as compulsory motor third party liability insurance.
The OSAGO policy does not insure your car, it insures your liability to the injured party.
This means that in the event of a traffic accident in which you became the culprit, your insurance company will compensate the injured party for damage to health or property.
In the reverse situation, when you are the injured party The damage caused to you is covered by the insurance company responsible for the accident.
However, it is worth remembering that OSAGO payments are regulated, and if the cost of the damage caused exceeds the limit of OSAGO payments, then the rest of the debt the culprit of the accident pays from his own wallet.
OSAGO policy is a mandatory document A must have for every car owner. In the absence of compulsory insurance, the owner of the vehicle may face a fine. For a positive inspection and registration of the car with the traffic police, you also cannot do without an OSAGO policy.
The cost of an OSAGO policy can vary significantly. Its price is influenced by factors such as the possibility of an accident (a city with heavy traffic or a small driver's experience increases this probability) and the cost of the car.
Today, OSAGO insurance can be issued in two types:
For driving a vehicle by a driver who is not included in the OSAGO policy for this vehicle, a fine may be issued.
There is a noticeable difference in the cost of these types of OSAGO policies, limited insurance costs less.
In terms of validity, the types of policies do not differ: both the first and the second can be issued on 3, 6 months or a year.
For car owners who use the vehicle only in a certain season (most often summer), it is possible to issue a seasonal OSAGO policy.
Coverage for damage resulting from an accident- this is the main task, which is decided by the OSAGO policy.
The amount of compensation that participants in an accident can count on is strictly regulated.
There are two types of compensation: property compensation i.e. vehicle repair, and health benefits.
The first type of compensation has the following limitations:
Limitation of compensation for health and life: each victim in a traffic accident can count on payment of up to 160 thousand rubles.
In addition, every car owner should remember that under one OSAGO policy, you can pay an amount not exceeding 400 thousand rubles. In most situations, such amounts are quite enough to cover all the damage caused, in other situations, the difference will have to be paid. to the culprit of the accident on one's own.
Regardless of which person - natural or legal - is the owner of the vehicle, OSAGO policy is issued without fail.
The difference between individuals and legal entities is concluded in the cost of the policy and in the procedure for issuing. When issuing OSAGO for legal entities, there are some peculiarities: some additional documents may be required.
We note the main differences in the procedure for issuing OSAGO for individuals and legal entities:
In addition to compulsory motor third party liability insurance the car owner can conclude various options voluntary types insurance: CASCO (complex car insurance) and DSAGO ( voluntary insurance civil liability of vehicle owners).
The most important task of the DSAGO policy is to increase the limit of liability for a traffic accident that happened through your fault.
If you get into a serious accident involving an expensive car, then the amount of the OSAGO payment is clearly not enough to compensate for the damage to the injured party.
DSAGO policy allows you to increase the compensation limit up to 1-3 million rubles despite the fact that the cost of the policy itself is very small - 1-5 thousand rubles.
There are a number of cases for which OSAGO insurance does not apply.. First of all, this concerns the theft of a vehicle and various kinds of damage caused to the car.
For such situations, a CASCO policy is issued. It is possible to issue a partial CASCO, in which case only situations of damage to the car are insured, but not its theft.
To desire insure the car against theft without the desire to insure it against damage Insurance companies are usually treated with great distrust.
The cost of a CASCO policy is influenced by a huge number of factors, and choosing the best insurance program is quite difficult even experienced drivers.
It takes into account the cost and brand of the car, experience, age and gender of the driver, region of residence, vehicle power and some other factors.
Thus, having an additional auto insurance policy along with OSAGO, you can protect your car for all occasions.
The car is no longer a luxury: often it is a necessity dictated by the pace modern life. However, buying such a vehicle, its owner acquires not only a pleasant advantage, but also troubles, often costly - including car insurance. Therefore, every driver must understand why it is necessary to insure his car, as well as understand the variety of car insurance in order to make the right choice. Let's consider all these questions in the article.
The number of cars on the roads is increasing, along with it, the number of accidents in which vehicles and people (drivers, passengers and pedestrians) can suffer. One such accident can cause significant material damage to the owner of the car. The big loser is both the injured party and the guilty party.
In such cases, auto insurance comes to the rescue. It is designed to protect the financial interests of the insured car owner. The insurance policy covers the material costs of repairing a car damaged after an accident, breakdown or natural disaster, or to buy new transport after the theft. Auto insurance also protects the interests of a third party affected by the insured car.
So, the objects of auto insurance can be 3 parties:
Compensation for such losses is very costly. The presence insurance policy facilitates and speeds up this procedure both financially and legally.
Did you know? It is estimated that the most dangerous time on the roads-night from Friday to Saturday: accidents more than 5 times more frequent.
The main types of auto insurance are compulsory - and voluntary -. Subjects of insurance: OSAGO protects the interests of third parties injured in an accident, their life, health and property. CASCO takes care of the car of the insured driver, his life and health, as well as passengers. There is also - compulsory insurance for those who travel abroad, and - voluntary expansion of CMTPL opportunities. Consider the types of basic auto insurance.
CASCO protects against various types of damage and theft (Comprehensive car insurance, except for liability). The meaning of the abbreviation purely coincidentally coincided with the Italian word Casco (“helmet”), from which the name of this insurance came.
CASCO insures against all force majeure in which the driver and his car may find themselves, except for those cases that are compensated by OSAGO.
The following situations may be indicated in the insurance policy:
CASCO insurance can be full and partial. A full range of services includes compensation for all possible types of damage and theft. Partial insurance only covers damage (no theft). The cost of policies is not fixed and is not regulated by the state - each insurance company sets its own rates. The price of the policy may depend on the age and experience of the driver or the age and specifications his cars etc.
Important! The insurance company will not pay damages if during the investigation it turns out that the driver violated traffic rules or was driving while intoxicated.
OSAGO - obligatory motor third party liability insurance. This is the most common type of insurance, as the conclusion insurance contract is a mandatory requirement for all car owners, provided for by the legislation of the country. Without an OSAGO policy, a driver does not have the right to drive his car, undergo a technical inspection and become registered. Failure to comply with this requirement is punishable by a fine.
The subject of OSAGO is not the insured driver, but the damage that he caused to third parties (their health, life and property) during an accident. But if the driver himself or his car was injured in an accident, he will not receive compensation. To do this, he needs to take out other types of insurance. 
You can buy an OSAGO policy at any insurance company. Tariffs are the same everywhere, as they are set and regulated by the state.
The cost of insurance varies depending on the characteristics of the car and its owner, such as:
The price of OSAGO is much lower than the cost of CASCO, but in the event of an accident, this payment may not be enough to cover the damage caused, and the driver will have to pay the rest on his own.
Not all cars get into an accident or get damaged during natural disasters. However, absolutely all cars break down sooner or later. Car enthusiasts spend a lot of money every year on the repair of their vehicle.
In America and Europe, for more than 25 years, motorists have been actively using the extended warranty for various breakdowns of their cars. This service is provided by both manufacturers and insurance companies. In the CIS countries, this type of insurance appeared quite recently. But not all insurers enter into such insurance contracts.
An extended warranty is a vehicle insurance against various kinds of breakdowns. It comes into effect when the main warranty period has already expired. Companies provide different options for insurance contracts. They differ in terms of warranty extension (up to 3–5 years) and a list of repair services provided free of charge by service centers.
The cost of the insurance policy is also affected by the characteristics of the car:
Some insurance companies are ready to insure even used cars. But they must meet the following criteria:
The extended warranty does not apply to public transport vehicles (e.g. ambulance) and sports cars (rally participants).
Important!The policy is issued not for the owner, but for his transport, therefore, when selling a car, the extended warranty passes to the new owner.
Neither the mandatory "avtocitizen" nor the voluntary CASCO take into account accidents in which the driver himself or his passengers were injured. To do this, you need to take out voluntary accident insurance for drivers and passengers. This type of insurance can be purchased in combination with those listed above: it will cover the costs of treating persons injured in an accident, protect the driver guilty of an accident from embezzlement, and allow you to quickly resolve the conflict without litigation.
The subject of insurance may be:
Insurance risks are:
There are two systems for concluding insurance contracts:
Payment rules are set by insurance companies, so rates may vary.
Did you know? Statistics show that the most calm drivers are people over 35 years old. And young people (under 25) often drive very carelessly and aggressively.
Issuing an OSAGO policy is a mandatory requirement for each car. But the circumstances in which the vehicles are used are different, so there was a need for insurance contracts with different conditions suitable for different machines.
All types of OSAGO policies are divided into two groups according to the following criteria:
By the number of drivers who are allowed to drive one car, there are 2 types:
A limited insurance contract is cheaper and suitable for a family car. But a policy without restrictions, despite the high price, is a suitable option for companies where many employees use one car.
All drivers with different activity use their cars. Some drive all year round, while others only drive at certain times of the year (for example, summer residents drive only in spring and summer). Each of them can choose a tariff that suits the timing so as not to overpay. There are 3 policies to choose from, differing in terms: for a year, for six months and for 3 months.
The amounts of cash compensation for CASCO and other voluntary insurances differ, as they are set by insurance companies. In contrast to them, the limit for OSAGO payments is determined central bank and is the same for all insurers.
There are two types of damages:
The insurance company allocates 160 thousand rubles for the treatment of third parties. The maximum payout under one policy is 500 thousand rubles.
The coverage limit for property damage depends on the circumstances of the accident:
Limit maximum payout to cover damage under one policy does not exceed 400 thousand rubles. If the compensation does not cover all the damage, the insured driver will have to pay extra with his own money.
To receive insurance payment after an accident, you need to act immediately after the incident. First you need to decide whether to call the traffic police.
Drivers can do without the help of traffic police officers if:
In other cases, you should immediately call the highway patrol.
If it was decided to act independently, you must follow this order:
Important! You should contact the insurance company for compensation within 5 days after the accident.
Judging by the reviews of experienced motorists, it is advisable to issue not only a mandatory “autocitizen”, but, if possible, additional auto insurance. This will help you feel more relaxed behind the wheel and not worry too much about your car, as well as other possible damage.
