Fake forms-twins for OSAGO insurance actively "go from hand to hand" of motorists. Arbitrage practice shows that there are still forms in circulation that are listed as “lost”, stolen from brokers or insurers, as well as issued by unscrupulous insurance companies after the license was revoked.
In order to avoid misunderstandings and conflicts arising from an accident, RSA (Russian Union of Motor Insurers) offers everyone who wishes to secure a possible unfavorable situation in advance and personally check the policy for authenticity. For this you need to visit online service with a complete database on compulsory auto insurance, where you can find out the period of insurance activity and the last name and first name of the valid insured of any car (including someone else's), both by series and policy number, and by vehicle registration numbers.
Previously, experts advised to check the policy only to carefully look at the document received on hand:
Requirements for accurate filling provide that: all available information must be entered in the appropriate columns, and in the absence of any data, the field should not be empty, but be crossed out with a clear line. The information on the form also includes the amount paid by the insured on the receipt as an insurance premium. In order to avoid problems, the client was offered to make sure that the insurer has a license, and it has not been revoked or suspended.
Today, these principles have not lost their relevance, but they are not enough. Fraudsters skillfully use modern technologies, against which an unprotected person is powerless. That is why the RSA decided to fight against shadow tendencies with the same measures, namely, the creation of a single electronic database with free access for everyone.
Checking the OSAGO policy for authenticity on the PCA website is convenient and simple. You go to the service and fill out the form:
In the window that opens, the system will provide you with necessary information and status insurance policy:
On the same resource, follow the link and enter data into the form. After processing the received information, the system will issue:
Having such information, the user compares the data with the available documents for the vehicle, and if they match, then there is no longer any reason to worry. If discrepancies are found in these data, a written request should be submitted to the insurance company with a request to investigate the cause of the discrepancy.
The Internet resource of motor insurers also provided such an opportunity to check the policy, which is very valuable, especially in cases of a traffic accident, when one of the parties cannot clearly provide either the number of the contract or the date of its conclusion.
Go to the PCA service, enter in the field of the proposed form in Russian characters the data that you have. For example, it can be only a registration plate or a set of information, including: an identification number of a car and a registration plate, taking into account the region code, chassis and body numbers. In the first case, checking the policy for authenticity can be successful, but not always. Expanded information narrows the scope of the search, and therefore an accurate result is obtained.
When filling out the online policy verification form, it is important to indicate only the date that is significant for the decision of your case. So, if you want to make sure that your contract with OSAGO is currently valid, then indicate the date of the current day.
And if you are resolving issues with a third party involved in an accident, then enter in the form the date when an unpleasant event occurred that requires, for example, monetary compensation, because in such cases, the activity of the contract at that moment matters.
There are times when, in order to resolve a dispute, or correct errors found when checking a policy by a traffic police inspector, it is necessary to find out whether restrictions are included in the OSAGO contract or is it concluded without them? This information is just as important when a list of licensed drivers is required. vehicle at the certain time.
The request is included in the policy verification form, where the series and number of the driving license are entered. Recall that the driver's license of the Russian sample is filled with Russian letters. Where 4 alphanumeric characters represent the series and 6 digits represent the document number. If there is a permit, the system will confirm and respond to the request in green fields.
Note! Knowing only the series and number driving license, it is not yet possible to determine the number of the policy in which it is listed in the list of eligible persons.
It is known that sometimes the reason for the denial of payment insurance compensation, both the injured and the party guilty of the accident, is the fact that under the existing OSAGO agreement, the wrong car is insured. It should be noted that according to the Law “On OSAGO”, such actions of insurers are recognized as illegal even if there are duplicate policies, if the company has no evidence that the form was stolen. Therefore, even persons with an invalid policy have a fairly convincing chance of recovering losses in judicial order, where it will be established that the contract was concluded and payment for insurance services was made in full. This has been reported in the recommendations. Supreme Court RF.
How to act in such cases? Having received a refusal to pay insurance compensation, an independent technical examination should be carried out with impeccable observance of the procedure for notifying the parties. Then send a claim letter to the insurance company, and then file a lawsuit against it. To resolve the issue, you can involve a lawyer (the costs will still be paid by the guilty party), or act on your own.
In conclusion, we recall what to do if it was not possible to confirm the authenticity of the policy on the PCA website?
In this case, you should submit an application to the insurance company with a request to conduct an internal investigation and attach a copy of the existing policy to it. Usually such a measure is enough, but some citizens have to seek justice by calling on the help of investigators from the competent authorities, who will have to establish why the concluded contract was invalid.
The authenticity of the OSAGO policy is the key to the trouble-free receipt by the motorist of insurance protection from the company of his choice. However, cases of forgery or issuance of policies on behalf of insurers have recently become more frequent, from which the license to provide this type of service was previously revoked. In order to provide insurance guarantees and increase the confidence of policyholders, the Russian Union of Motor Insurers has created a special database that allows you to check the policy and verify the authenticity of this document.
This can be done online at any convenient time. Moreover, a motorist can check not only his OSAGO, but also the policy of another participant in an accident or any other person to make sure of the authenticity and validity insurance document. It is also very useful to check the authenticity of the policy after purchase.
PCA has made every effort to provide motorists with quick and convenient access to such a database, so anyone can now check the OSAGO policy for authenticity and completely free of charge.
You can carry out an initial check of the paper version of the policy visually. To do this, carefully examine the document and pay special attention to the following:
In the policy, you should find all the necessary information about the insured, the insured asset, the validity period, the sum insured and the premium. Empty fields are crossed out. The amount of the insurance premium must be the same in the form and in the receipt that is issued upon payment.
At the time of the conclusion of the contract Insurance Company must have a valid license giving the right to conclude OSAGO contracts, otherwise the policy issued by it is considered invalid.
You can check the policy more precisely on the PCA website. Here you will have to fill out the proposed form, where you need to enter the series, the number of the form.
After entering a one-time verification code on the site, which will appear in the picture, a search result will be received from the PCA database. The authenticity of the policy is confirmed if the status “Located by the policyholder” is issued by its number. However, it is better for you to compare the name of the insurer and the term of the contract with the data indicated in the form being checked. If something doesn't match, it's probably fake.
OSAGO verification for authenticity by series and policy number dkbm-web.autoins.ru/dkbm-web-1.0/bsostate.htmThe status can be indicated as "Located by the insurer". This does not mean that your policy is forged or invalid. Perhaps a company employee simply did not confirm the issuance of this policy in a single database. However, if this status has been maintained for a long time, the situation should be clarified with the insurer so that the status of the policy can be changed.
If, during an online check, the base gives the result “Invalid”, “Lost”, then the authenticity or validity of the policy has not been confirmed and this document is not valid at the time of the check. In this case, it would be advisable to contact the representatives of the insurance company and the police, as well as buy new policy OSAGO, if you intend to use your vehicle further without waiting for the end of the disassembly.
It is important to remember that, despite the high reliability of such online verification, PCA cannot guarantee protection against a duplicate of a valid policy. Fraudsters can issue exactly the same document with the same number and the same terms of insurance, but a different vehicle. Then, when searching in the database, the status of the policy will be the same - “Located by the insured”, that is, the duplicate will be recognized by the program as valid as the original.
You can check which car is insured by the OSAGO policy series number on the PCA page dkbm-web.autoins.ru/dkbm-web-1.0/osagovehicle.htm At the slightest suspicion that you have a duplicate in front of you, again contact the PCA database and check which car was insured under this agreement. After filling in the requested data, you will receive the following results:
If there is a discrepancy between the information received and what you see in paper policy OSAGO, be sure to contact your insurer to clarify the circumstances and write a statement to the police.
AT individual cases you need to know the policy number. This happens when the policy is lost and needs to be restored, or when the insured who has an accident does not have it with him, but the number is needed to be included in the notice of the accident. You can find out about the presence of a "car citizen" and clarify the number of the OSAGO policy according to the data of the vehicle itself. To search in the PCA database, you will have to enter the numbers:
In most cases, only one vehicle registration number is sufficient to receive a response. But if, after entering data on the insurance policy number, it is not found, then you will have to fill out the entire form. At the same time, it is important to remember that the possibility of accidental errors cannot be ruled out both when filling out the request form, and drawing up the policy and transferring its data to the PCA database. This can also cause a lack of results after searching the database, although it is a rather rare occurrence.
You can check the availability of an OSAGO policy by car number on the PCA page dkbm-web.autoins.ru/dkbm-web-1.0/policy.htm When filling out the request form, be sure to indicate the current date. Thus, you will find out not only the policy number, but also confirm the fact of its validity at a given time.
Upon this request, you can get the number and series of the OSAGO policy, but also information about the drivers allowed to drive the insured vehicle. This is important when there are several of them and it is necessary to know exactly whether a particular person had the right to drive a car. To obtain such information, you must specify the data from the driver's license in the request. Enter the series and number of rights - and you will be given an answer whether it is allowed this person to use the insured vehicle. Be extremely careful when entering signs. A series can consist not only of numbers, but also of letters. Entering Russian letters in Latin can lead to data distortion and a negative search result. The number always consists of 6 digits, but they must also be entered correctly.
It should be remembered that only one driver's license number is not enough to check the OSAGO policy and find out its number. If you are interested in this particular data, you will have to supplement the information with the above information.
Checking by the number of rights is useful in the event of an accident, and will also allow you to check the correctness of entering data when drawing up an insurance contract and subsequent changes that may be made to the list of persons who are allowed to drive a car. Mistakes accidentally made by insurers distort the data of the PCA database, cause a lot of inconvenience to motorists when they are checked by patrol officers. If such discrepancies are identified, contact the insurers with a request to check the policy and the accuracy of the data in the database and, if necessary, make adjustments.
Each car owner should remember that he can easily check the authenticity of the “car citizen” policy himself by sending an online request to the PCA. If they receive a negative answer, they must take this form to their insurance company and request an internal investigation. His security service will deal with the issue of the legitimacy of issuing this policy and the search for fraudulent agents who issued it or forged it. If the company cannot resolve this issue on its own, then it is worth involving the police in the case. But, as a rule, any self-respecting company independently copes with the resolution of such a situation.
Often, policyholders learn that the OSAGO policy is invalid only after the onset of insured event. However, large insurance companies strive to maintain their reputation in the market and not lose the trust of customers, so they often meet their clients halfway and can pay out insurance compensation even under such a policy. It is also possible and very likely to achieve compensation for damage through the courts. But when filing a lawsuit, the car owner must confirm that he received the form from an employee of the insurance company itself or from its agent and paid insurance premium for it, presenting to the court a policy form and a receipt for payment of insurance services.
The check is carried out on the official website. For correct interaction with the form, select a series and enter the number of the form (numbers only).
Confirm that you are not a robot by going through computer test. After that, click the "Search" button.
If the verification shows that the insurance number is genuine and the data is entered into the PCA database, the next page will open.
She will look something like this:
The following data will be available:
All of the following also applies to contracts drawn up in in electronic format.
Located with the insurer. The policy is in the hands of the client (buyer) and the insurance company forwarded the information to single base Union of Auto Insurers. Carefully check that the date of the contract and the name of the insurance company match. A common fraud scheme is a fake policy that has the same series and number, but it was issued at a different time and is registered with another motorist.
Located with the insurer. The form is in the insurance company or with an agent / broker. It is possible that the insurance has already been purchased, but checking through the service gives out “Located by the insurer”. In this case, the data has not yet been transferred to the PCA (changes can take from 5 minutes to a whole day or more). The most correct solution would be to call the insurer or check the policy online on the company's website. If such a possibility exists.
Spoiled. Applies to policies that are handed over to the insurance company and marked as damaged.
Lost strength. This status is assigned subject to any changes. In this case, a telephone conversation may clear up the situation.
Lost. This is the status of forms in respect of which the insurer declared as lost or stolen.
In other cases, if the verification fails, you will remain on the search page.
Before proceeding with the verification of the authenticity of the policy itself, it is necessary to understand in what cases it may be invalid.
The first, a fairly common option - with incorrect filling. If you order OSAGO online and fill in all the fields yourself, then pay special attention even to the details. An incorrectly completed policy will be an invalid document.
Of course, there is no criminal punishment for this, but in the event of an accident, all the damage will have to be compensated by the driver himself, moreover, during the traffic police check, you will receive a fine for driving without OSAGO. If you have any doubts that you can fill out the policy correctly on your own, then it is better to contact specialists. The best option data will be entered from the old policy into the new one.
Second, a much more serious option, concerns the situation if the OSAGO form is fake. In fact, such a document does not carry any legal force, and the buyer may be punished for acquiring it, since it will be quite difficult to prove non-participation. That is why when ordering OSAGO online or even when registering with a company, you need to check it for authenticity.
Third situation, which can lead to problems with OSAGO if the form itself is original, but was stolen from an insurance company. It will not be possible to determine this without proper verification.
Fourth, OSAGO is considered invalid if the company that issued the policies was deprived of a license or was declared bankrupt. That is, a driver can purchase OSAGO, after 2-3 months the license is revoked from the company, and, accordingly, all issued policies are also just a piece of paper.
Fifth if the policy has been cancelled. This situation should be considered in more detail. Everyone who has a car is interested in questions about in what cases it is possible to terminate OSAGO and when and under what circumstances a return is possible Money for OSAGO.
Be sure to read the article of our expert, in which he talks in detail about how inspectors are appointed.
Termination of OSAGO and a refund of funds are possible, but not at the request of the owner of the car, but in accordance with certain rules. So, let's look at the options.
If the owner insured his car, and then decided to sell the vehicle, he can make a refund. But it should be remembered that not the entire amount will be returned to the owner. The insurance company will withhold 30 percent of the remaining amount. This is the law, and the owner is not able to fix something.
In order to return the remaining money for OSAGO, it is necessary to provide the following copies of documents to the insurance company: the civil passport of the owner, OSAGO and PTS (vehicle passport). Moreover, the TCP should have a seal, a mark that the car has been sold and registered.
So, the car is sold, the TCP has a seal confirming the sale of the vehicle, the date the vehicle was registered. It is from the moment the buyer has registered the car that you can collect documents for a refund. It is from the date of registration by the buyer of the car that you will be calculating the remaining amount for a refund. Each company handles refunds differently. Somewhere they can return within a month, but it also happens that you have to wait up to three months.
The car during the accident was damaged so that it cannot be restored. And is completely recyclable. After disposal, a document is issued confirming that the car is no more. Then you can collect a package of documents from the company (copies of the owner's passport, vehicle passport, OSAGO and a certificate confirming the disposal of the vehicle) and either personally go to the company to submit documents for a refund, or send them by mail.
Another, last, option is the death of the owner of the car. In this case, it is necessary to provide, again, documents confirming the death of the owner, and papers confirming that he was the owner of the vehicle (copies of the civil passport of the owner, OSAGO, vehicle passport, death certificate).
Here are three reasons on the basis of which absolutely all insurance companies terminate OSAGO and refund money.
Simply, at the request of the owner, no one will either terminate the OSAGO or make a refund. And it does not matter at all whether the client was dissatisfied with the insurance company or for some other reason he wants to change the company. Refunds and termination of OSAGO are made strictly according to certain rules.
What should you pay attention to when applying for a policy in a company? First of all, of course, on the reputation and reviews on the Internet. Do not be too lazy to check the companies or online service that offers CMTPL registration.
Secondly, you must remember that in order to receive the document, you will need to submit the following papers:
If for some reason you are told that you can issue an OSAGO without the above documents, then it is recommended to contact another company.
After receiving the coveted document in hand, the verification itself begins directly. how to check the insurance policy? You can do this in various ways, depending on which one you prefer. Consider not only the available services for checking the originality of the insurance document for a vehicle, but also the preliminary stages of verification, which will allow you to take some measures at the registration stage.
First of all, it is possible to determine whether the OSAGO is original or not with a careful visual inspection.
This OSAGO form must visually comply with the following requirements:
Any person can visually check OSAGO. If any points do not match with you, then it is better to contact specialists for additional verification.
The next step is to check the company's license to issue OSAGO policies. You can check the availability of a permit document from an online service or a branch in your city on the website Central Bank RF.
Also on the website of the Central Bank of the Russian Federation, you can check the authenticity of the power of attorney of the intermediary company. Why should this be done? If the power of attorney is not original, but fake, and also if its term has expired or it has been revoked, then the company does not have the right to issue OSAGO policies to customers.
Such a document will be invalid and will not save you from expenses in the event of an accident.
The Russian Union of Motor Insurers provides an opportunity for everyone to check the authenticity of their OSAGO policy online. The organization is a union of all companies that issue auto insurance policies. To date, the PCA includes more than 70 companies.
How is the verification carried out? On the official website of the PCA, you must enter the number of the insurance policy. The following information is returned in response to the request:
In addition to checking by OSAGO number, you can also, on the contrary, check the availability of a policy by the state number of the car or in the VIN code. To do this, enter the specified information in the appropriate field.
Also, the result of the check may be information that given number OSAGO was not found, was not issued or extended, lost its validity (if it was canceled) or was overdue.
The PCA test is available 24/7 and free of charge.
If for some reason you do not want or cannot check your own PCA policy, then this can also be done through third-party services. How does this happen? According to the principle of operation, the procedure is very similar to checking through the PCA. It is also necessary to enter all personal data and information about OSAGO, send a request and wait for the result.
The advantage of third-party services is that the procedure takes much less time. The intermediary company sends the request for you.
Many insurance companies known throughout the country (Ingosstrakh, Rosgosstrakh, Renaissance, and so on) offer users to check the originality of OSAGO through their own services. The information is also reliable, but cases where only surnames are required in personal data fields should be avoided. In Russia, as in any country, there are a lot of namesakes. To get really up-to-date data, it is better to choose services with the input of complete information.
If you have purchased an OSAGO policy and doubt its authenticity, you can check it.
Checking by number does not take much time, does not require additional costs or long waiting in queues. This can be done online.
OSAGO check is a guarantee of protection against any troubles on the road.
How to check the OSAGO policy for authenticity by number?
OSAGO - compulsory insurance civil liability of owners vehicles. If you drive into any car, the insurer will pay for the repair of the damaged car, pay for the treatment.
The insurance company will cover the costs associated with the repair, for example, shop windows, fences, if you damage them too.
But under the OSAGO policy, it will not be possible to compensate for the costs of repairing your vehicle or car theft. It only covers the expenses of the person responsible for the accident.
The people gave the policy the name "Autocitizen". The amount of payments depends on the size of the base rate and coefficients.
The cost of OSAGO consists of the following factors:
If a car enthusiast does not have an OSAGO policy, he is prohibited from driving a vehicle and registering it. Ignoring these conditions is punishable by a fine: 500-800 rubles.
The insurer fulfills obligations to each victim. The number of insured events is not limited.
Damage is compensated in the following amounts:
This is a simplified design, a procedure for drawing up documents in order to compensate for losses under OSAGO without the participation of traffic police officers.
The following conditions must be met:
To apply, contact any insurance company, fill out an application and provide a package of documents:
Consider how to find out the authenticity of an OSAGO insurance policy.
Exist different ways checks:
Fake policies don't pay out. If the owner gets into an accident, he will have to compensate for the damage on his own.
Fake Policy:
Consider how to determine the authenticity of the OSAGO policy visually:
The introduction of new policies in 2016 was directed to:
We check the company's rights to conclude an OSAGO agreement:
You can check whether an insurance company has a license on the website of the Central Bank of the Russian Federation: http://www.cbr.ru/finmarkets/.
We will learn how to check the OSAGO insurance policy for authenticity using the PCA database.
The Russian Union of Motor Insurers is a non-profit corporate organization that represents a single all-Russian professional association.
It is based on the principle of compulsory membership of insurers that carry out compulsory civil liability insurance of vehicle owners.
The status of this association is fixed by law. The structure includes 71 insurance companies.
You can check OSAGO on the official website of the PCA http://www.autoins.ru/ru/osago/polis. By the policy number, you can easily determine expired, stolen documents, authenticity, belonging of the policy to a particular company.
The policy response must include the following information:
You can also check whether the car has an insurance policy by the number of the car. You must enter the VIN number or state number of the vehicle.
Possible options for verification:
The RSA database is freely available 24/7. You can use it for free. On the site you can find several useful tips, find out useful numbers, look at sample forms, ask questions, read important documents.
How to check the electronic OSAGO policy for authenticity?
OSAGO can be issued electronically, paid via the Internet, received by e-mail. The insurance company signs it with an enhanced qualified electronic signature.
It is made quickly, quite easily:
There are many sites where you can check the authenticity of the policy:
Authentication by last name is not the best way. It may not be correct. There is usually little such data. There are many namesakes in Russia, so additional data is required everywhere to enter.
Check the authenticity of the OSAGO insurance policy immediately after receiving it. So you will be better able to protect yourself from fakes and other related problems.
Don't be lazy:
In the PCA database, you can see a list of all the forms that are necessary for issuing OSAGO policies.
If your policy is not in the database, if a completely different insurance company is indicated in the data, you are being deceived, do not enter into such an agreement. But if you have already issued such a policy, take measures to recover the amount paid from the fraudster.
For the purchase of a fake policy or a blank form, liability is provided (Article 327 of the Criminal Code of the Russian Federation). Get a fake policy insurance payment will not work.
If an accident occurs, the car owner must compensate for the damage himself. Be vigilant and always carefully check the policy you have purchased.
