OSAGO insurance policy: what is it and what does it protect against?

Definition

The abbreviation means: compulsory motor vehicle liability insurance.

A more detailed translation of this abbreviation looks like this:

• mandatory: any vehicle on the territory of Russia must be insured;
• automobile civil liability: compensation for damage in case of an accident is made to everyone except the person responsible for the accident.

How is it regulated and how does it work?

Compulsory motor liability insurance is regulated by Federal Law No. 40. You can read the text of the law here: https://www.consultant.ru/document/cons_doc_LAW_36528/

OSAGO works like this: if an accident occurs through no fault of the policy owner, the insurance company compensates him for the damage.

The MTPL law provides for compensation for damage through repairs, and only in exceptional cases - in money.

Also, the law on compulsory motor liability insurance provides for a penalty for late payment of damage.

Algorithm of actions to receive the maximum payment under compulsory motor liability insurance:

1. Contact the insurance company yourself, or through a representative you can trust. In this case, you need to provide documents without bank details. Thus, the insurer will not be able to make a payment ahead of time.
2. Get directions to the service station and go there. The referral (or its copy) must be stamped, as well as the date of application.
3. Wait no more than 3 months for the car repair to be completed: the penalty is charged at the rate of 1% per day. In 3 months approximately 90% will accumulate.
4. If the repairs are delayed, file a claim for payment in cash. In this case, the owner of the vehicle will need to provide documents with bank details. In this case (including 7-10 days during which the claim will reach the accounting department), the driver is charged a penalty in the amount of 100% of the damage. The vehicle owner receives the main damage payment.
5. After receiving payment for the damage in money, contact the insurance company with a special form of claim.
6. If there is no payment, then you need to contact the ombudsman for compulsory motor liability insurance. He makes a decision similar to a judicial one.

Article on the topic: Features of compulsory motor liability insurance in Tinkoff Insurance Insurance Company
If the car is less than 5 years old and the mileage is less than 150,000 km, then the driver is entitled to a TTS payment.

A template for a claim for repairs instead of payment can be downloaded here: https://apretenzia.ru/documents/strakhovanie/36/?utm_source=youtube&utm_medium=algoritmosago2020&utm_campaign=docnaremont

A template for an application for payment of TTS can be downloaded here: https://apretenzia.ru/documents/strakhovanie/14/?utm_source=youtube&utm_medium=algoritmosago2020&utm_campaign=docuts

Registration procedure

The execution of a compulsory motor liability insurance agreement is carried out in several ways, including:

• at the office of the relevant insurance company;
• in a car showroom, car market, mobile auto insurance points located in the traffic police area;
• on the official websites of insurance companies.

Often, insurance companies work without clear time limits. They deliver the policy to a place suitable for the client at the time appointed by them.

Insurance brokers strive to help clients; they select the best options that meet the client's requirements.

Registration is carried out in the following sequence:

• an application is filled out indicating the intention to conclude a compulsory motor liability insurance agreement;
• the required documents are submitted to the insurance company;
• the data specified in the application is verified;
• if desired, the policyholder checks the insurance policy;
• negotiations are carried out, on the basis of which an agreement is concluded, certified by the signatures of the parties;
• The policy is paid for and the receipt is presented to the company.

The package of documents is presented in person and sent by email. Payment for the policy is made in cash or by bank transfer, depending on the company’s conditions; there are no special requirements for filling out the application form.

Find out how to get an MTPL policy from VTB in the article: MTPL VTB.

You can sample the MTPL agreement.

What does he look like

The new model OSAGO has a QR code. It is located in the upper right corner of the paper (pink) policy. This icon is not available in electronic MTPL.

A QR code is a kind of link to an Internet page. To decrypt it, you will need a special application for your smartphone. The code needs to be photographed. After this, the program will automatically redirect the car owner to the RSA website.

The following information is displayed on the page:

• car registration number;
• VIN number;
• machine data;
• duration of the policy;
• the name of the insurer that issued the policy.

The QR code helps verify the authenticity of the policy.

Also, in the new model MTPL, in the “insurance premium calculation” column, a plate with coefficients appeared. Thanks to this, the car owner will be able to figure out which numbers make up the final amount.

In the plate that lists the persons who are allowed to drive a vehicle, you can now indicate the driver’s class in the corresponding column.

In the “Vehicle Owner” field, the following driver data is indicated: age, number of accidents and length of service. Based on your driving experience, the KBM coefficient is calculated, which affects the price of the MTPL policy.

Conditions of insurance under MTPL

The cost of an MTPL policy is affected not only by the coefficients, but also by the number of people allowed to drive a car . Usually, when concluding an insurance contract, a company specialist specifies how many drivers are planned to be included in the insurance.

The policyholder can choose one of the following insurance conditions:

• limited car insurance (a limited number of drivers are allowed to drive);
• unlimited car insurance (even drivers who are not included in the insurance can drive a car).

In the first case, the cost of insurance will be much lower than in the second. However, this option should be chosen only if the policyholder plans to drive the vehicle completely. In addition, a long driving experience and an “accident-free reputation” will not be amiss.

In the second case, when calculating the cost of the policy, the coefficient will be maximum, and the final price will be much higher. Different drivers will be able to drive a car legally.

How is the policy issued?

You can apply for an insurance policy online using the aggregator website: https://oformionline.ru/.

Instructions:

1. Go on the website.
2. Click on the “Calculate the cost of OSAGO” button.
3. Upload scans of documents: vehicle owner’s passport, car passport, diagnostic card (if the car is more than 3 years old), driver’s licenses of everyone who will be allowed to drive the car.
4. Disable the switch (located in the upper right corner). This will make it easier to check the entered data.
5. Fill out the form.
6. Check that the entered data is correct.
7. Click on the “Calculate” button.

After this, the system displays offers from insurance companies. Next, you need to select an MTPL policy and pay for it.

Insurance is sent to the specified email address within 5 minutes.

According to Russian legislation, it is not necessary to print out the MTPL policy - it is enough to have it in your mobile device.

Not all traffic police officers know about this. To eliminate the possibility of conflict with them, it is advisable to print out the policy and always have it with you.

Related article: Is PTS required for registration of compulsory motor liability insurance?

Another policy can be issued at the office of the selected insurance company.

The following documents will be required:

• petition;
• a document that proves the identity of a Russian citizen;
• PTS (STS);
• driver's license;
• diagnostic card;
• power of attorney (if the car belongs to someone else).

You can also apply for an MTPL policy on the website of the selected insurance company. This is not a very convenient method: problems begin already when registering your personal account. The document verification procedure takes 30-60 minutes. If the driver’s data does not suit the insurer, the system “transfers” him to another company’s website, and the data has to be re-entered.

What to do in case of an accident

Procedure in case of an accident:

1. Turn off the engine, turn on the emergency lights.
2. Place an emergency sign at the rear of the car.
3. Make sure no one is injured in the accident. If there are victims, you need to call an ambulance.
4. If there are no injuries, and there are only 2 participants in the accident, then together with the second driver, determine the culprit of the accident.
5. If it is impossible to identify the culprit of the accident, call the traffic police. This must also be done if the second driver does not have an insurance policy.
6. If one of the drivers admits guilt, both have compulsory motor insurance, and the accident is minor, then you will need to draw up a diagram of the traffic accident (without calling the traffic police). The next stage is filling out the European protocol.

According to the European protocol, compensation of up to 100,000 rubles is expected. In Moscow (and the region) and St. Petersburg (and the region) - up to 400,000 rubles.

If a pedestrian is injured in an accident, the insurer of the person responsible for the accident will reimburse the cost of treatment and loss of salary. If the pedestrian is at fault for the accident, then he does not have the right to receive compensation under compulsory motor liability insurance.

Motor Vehicle Liability Duty

Federal Law No. 40-F3, dictating the obligation of motor third party liability insurance, was created back in 2002. All vehicles falling under this law must be insured for the necessary risks associated with their operation. Damage to property, health and even life is far from uncommon when it comes to road traffic. Therefore, the adoption of such a law was more than justified.

ATTENTION! Based on Article 4 No. 40-FZ, it is necessary to insure a car even before registering it.

And besides, no more than ten days should pass from obtaining a car license to receiving an insurance policy. But the same article states that not all vehicles are subject to these insurance obligations.

The following types of transport fall under the exception according to the basic insurance rules:

1. Vehicles that, due to their design, do not reach a speed of more than 20 km/h.
2. Vehicles that are not allowed to participate in road traffic.
3. Transport of the Armed Forces of the Russian Federation or other military formations where military service is provided. But buses, cars, trailers and other vehicles used for economic activities of the Armed Forces are subject to compulsory insurance.
4. Vehicles that are registered outside the Russian Federation and are already insured under one of the international insurance systems.
5. Civil trailers for cars.
6. Transport, the design of which does not contain wheels - tracked/half-tracked, sled and other types of transport.

What is the responsibility under compulsory motor liability insurance?

Liability under compulsory motor liability insurance: if an accident occurs due to the fault of the policy owner, then the insurance company compensates for the damage not to him, but to other drivers injured in the accident.

Key points to remember:

1. When filling out a notification of an accident, you should remember point No. 15. It is called “Note”. At this point, the driver who does not consider himself guilty of the accident must write that he does not admit guilt and has no claims. The second side writes this: “I consider myself guilty of the accident, I have no complaints.” Both drivers sign. Otherwise, you may be denied compensation for damages.
2. The accident must be reported to the insurer within 5 working days. If the company fails to report the accident, according to the MTPL law, the guilty party may be subject to a recourse claim. This means that the insurance company will pay the second party involved in the accident, and will demand compensation from the first driver.
3. To increase the payout limit, you need to sign up for an unlimited Euro protocol. To do this, you will need to download the “European Accident Protocol” application. It allows you to record the fact of an accident and link it to GPS data. To use the application, you need to register with State Services.
4. The vehicle owner must have a valid diagnostic card. Otherwise, the MTPL law allows insurance companies to refuse payment. In the worst case, you may face a recourse claim from the insurance company. Even if the owner of the vehicle has taken out compulsory motor liability insurance with a valid policy, but it expired during the policy period, then you can get regressed.
5. If drivers have a disagreement, or something else other than cars was damaged during the accident, or the health of pedestrians was harmed, you must call the traffic police.

Related article: Driving experience in MTPL and how it is calculated for insurance

Subparagraph 1 of Article 14 of Federal Law 40 was repealed by another law - Federal Law 88 of May 1, 2021. Responsibility was removed, but the obligation remained. This is stated in paragraph 2 of Article 11.1. Federal Law 40.

What does the OSAGO policy insure against?

As noted above, a mandatory policy insures the liability of its owner in the event of an accident.

There are two main cases of insurance:

1. damage by vehicles to someone else's property;
2. causing damage to the life or health of other road users.

The maximum payment in the first case is 400,000 rubles and is intended to cover losses in case of damage to road signs, any other real estate and even animals.

Up to 500,000 rubles can be paid to the injured party if it turns out to be a pedestrian or another car owner.