Basic facts about OSAGO
An MTPL policy is a document issued for a specific vehicle indicating the persons who can drive it. Its presence is mandatory; for absence there is a fine.
Let us note that, first of all, the owner of the car needs the policy, since in the event of an accident that was not his fault, he will receive compensation for repairs.
In the absence of insurance, all costs fall on the shoulders of the car owner. Today, registration of compulsory motor liability insurance is permissible both through personal application and through the official websites of insurance companies. The cost of the policy and the conditions for obtaining it are identical regardless of the form of purchase. The price depends on the number and experience of drivers, the presence or absence of an accident involving the car.
How to pass maintenance for e-OSAGO?
Today, only dealers who have been accredited by RCA have the right to issue diagnostic inspection cards. To pass the MOT you will need :
- Passport or other document proving your identity.
- Power of attorney if the owner of the car is another person.
- STP or PTS.
The service station operator has no right to demand any additional documents from the driver.
TIP : In order to successfully pass the diagnosis, you must have a technically sound vehicle. You should also check the necessary components that the car must be equipped with to successfully pass the diagnosis (first aid kit, fire extinguisher, etc.).
Conditions for purchasing insurance
A compulsory car insurance policy is a document giving the right to receive compensation from the company in the event of an accident. It is advisable to familiarize yourself with all registration rules in advance. So, the key conditions for purchasing insurance include:
- the policy is issued for one year;
- registration of insurance is possible both online and by receiving a paper copy at the company’s office;
- the owner has the right to choose any licensed company, and that, in turn, cannot refuse to issue it, but sets its own prices.
We also note that if the owner does not provide an inspection certificate in the list of documents, and the car is older than three years, then the company inspects the vehicle independently. When registering for compulsory motor liability insurance, a diagnostic card guarantees that the machine is in good working order and can be used.
The need for technical inspection
The serviceability of a vehicle is a mandatory element of the normal process of its operation. Please note that monitoring is carried out annually. In the first three years, car owners are exempt from undergoing maintenance, since it is believed that all its systems are in good working order.
From a logical point of view, the process is defined as follows. To drive a car you must have an MTPL policy. Its registration is possible if you have a valid diagnostic card. This, in turn, is obtained after passing a technical inspection. If there is no technical inspection, then by law you cannot use the car.
What is a diagnostic card and why is it needed?
A motor vehicle liability policy in electronic format is the same valid document as a paper version of a motor vehicle liability policy (read more about this here). Today, many insurance experts advise printing this document and taking it with you (find out what e-OSAGO is and whether you need to print it in this article). The electronic MTPL policy does not need a seal , since it is certified by a specialized electronic signature.
A car diagnostic inspection card is a document that is issued for a specific vehicle that has undergone a diagnostic inspection. The vehicle diagnostic inspection card must be issued on a form in A4 format. The diagnostic card of the vehicle contains information about the work performed during the technical inspection of the vehicle.
IMPORTANT : A vehicle diagnostic inspection card is required for all car owners to apply for a motor vehicle liability policy, except for owners of cars that are not yet 3 years old.
The documentation must indicate whether or not the vehicle meets the state safety requirements. In addition, the documentation must contain information about whether further operation of the inspected vehicle is possible or not.
This document must also indicate the period of validity of this document. If, during the inspection of the vehicle, inconsistencies with safety requirements were identified and the expert decided that further operation of the vehicle was impossible, then the documentation must contain information about all identified inconsistencies. from the moment he receives the expert opinion to eliminate the discrepancies
If within 20 days the car owner does not eliminate the inconsistencies identified during the technical inspection, then he will have to pay for the car diagnostics again.
If within 20 days the driver eliminates all the safety inconsistencies described by the expert, then he will pay only for the work that the expert will carry out during the re-inspection.
In what cases is maintenance not necessary?
There is a legal possibility
avoid technical inspection, and therefore do not receive a diagnostic card. Owners of vehicles no older than three years are exempt from it.
The law states that the diagnostic card is a mandatory document when applying for a policy. But if the driver presents a title in which the year of manufacture of the car is less than three years, then a certificate of its technical condition is not required.
It is important to know! The MTPL policy and technical inspection are closely related, but it is not needed for new cars. Obtaining compulsory motor liability insurance without maintenance is possible only under this condition.
Features of obtaining insurance without maintenance in 2021
This year, no major amendments to the law have been made. Drivers can also purchase a “motor citizen” without presenting the diagnostic result. And insurers issue certificates to motorists without any problems, because if a lack of maintenance is discovered, their client will not have any problems.
According to lawyers, the lack of timely technical inspection when involved in a traffic accident can lead to problems in court. If the car owner does not have maintenance, they may be denied monetary compensation for the following reasons:
- there is no evidence that the car was in good condition at the time of the accident;
- the agreement with the insurance company was concluded in violation of existing standards, which means it can be considered invalid.
As a result, if the driver’s interests are not represented by the most experienced lawyer, the court may render a verdict in favor of the insurance company.
Inspection from the insurance company
In order to save time, but not money, it is permissible to undergo a technical inspection directly from the insurance company. The advantage is that the company is interested in selling the policy, which means it can turn a blind eye to some shortcomings.
As for the shortcomings, the main one is a superficial inspection of the car. In addition, insurers charge significant money for such a service. Other methods of obtaining insurance without a diagnostic card, which can be called not very reliable, include:
- Purchasing MTPL with a diagnostic card is a technique practiced by some companies.
- Involvement of an insurance broker who will take care of collecting documentation.
Attention! Some motorists still falsify certain documents. It is not recommended to practice this method, since it not only carries administrative responsibility, but also risks when driving a car. A technical inspection and compulsory motor liability insurance policy can be obtained immediately from the insurance company.
Until what date can the policy be issued?
When choosing to issue an electronic policy without a diagnostic card, you should remember that the car owner will need to confirm the right to e-MTPL insurance within a month after the lifting of quarantine restrictions in 2020. To do this, no later than October 31, car owners will need to undergo a technical inspection by providing the insurer with a certificate of inspection or a diagnostic card .
If the motorist does not pass the technical inspection within the specified time frame, the insurance company may apply recourse claims to him in order to return the funds previously paid under the insurance.
To avoid such situations, you should comply with legal regulations and follow the news in the field of auto insurance. More up-to-date information on how the “quarantine” rules for obtaining a “motor citizen” work can be found on the pages of the insurance service comparison service inguru.ru .
Responsibility for issuing a policy without a diagnostic card
You may or may not encounter the consequences of using a policy purchased without a diagnostic card. On the one hand, a lot depends on luck, on the other hand, it’s better not to take risks and arrange everything according to the law. Let's consider what consequences are possible with such an approach:
- A traffic police officer will discover that compulsory motor vehicle liability insurance has been issued without undergoing a technical inspection and will impose a fine.
- Refusal to pay compensation by the insurance company in the event of an accident. The company will indicate that the technical inspection was not passed, will pay an insignificant fine to the state for issuing a document without a diagnostic card, but will avoid large payments for an insured event.
It is important to know! Inspection and purchase of MTPL most often take no more than one day, but can take a week. It is not recommended to let the coupon expire; it is better to issue compulsory motor insurance and undergo maintenance before the contract expires. Timely replacement of the policy is the responsibility of the driver. If you do not renew an expired document, there will be penalties.
Card design
To undergo a technical inspection of a car, you must contact a specialized center. There is also an option to go to authorized inspection centers, which are established under the traffic police. If accredited, dealerships also provide this service. In this case you will have to pay a certain amount.
As for the cost, it will include not only the state duty, which must be paid upon application, but also the cost of the services of a master who will perform all the actions. You can also get involved in the promotions that these centers hold in order to attract more clients to their side.
It is worth noting that this document is issued for a certain time. If this is a new car, then you can forget about technical inspection until it is three years old. Only after this you will need to obtain a diagnostic card. If the car is under 7 years old from the date of manufacture, inspection is carried out every two years. And all other cars older than seven years undergo this action every year. When applying to drivers of cars that are involved in transporting passengers, they must undergo an inspection once every six months. These deadlines must be observed and all activities must be carried out on time.
During the inspection, when no faults are found, a diagnostic card is issued and executed by a specialist, after which it is handed over to the owner of the vehicle. The card must indicate the date when the vehicle must be inspected again.
But there are cases when a car has faults with which it is not allowed to be released on public roads. In such a situation, an appropriate document about this is issued. All existing problems must be eliminated within the shortest possible time, since within twenty days it will be necessary to bring the car for the next inspection.
Fines for fake MOT documents
Today, drivers who use vehicles without undergoing regular technical inspections face a fine. Its size is determined by the circumstances and situation in which the offense was discovered.
A bill is also being considered that would impose special liability, including imprisonment, on sellers of counterfeit diagnostic cards. Today they are punished with fines, but, of course, more than ordinary drivers and car owners pay. Delay in the contract is also dangerous, as it entails a number of sanctions.
It is possible to obtain an MTPL policy without a diagnostic card, but it carries potential risks. Every car owner must decide whether he is ready to put himself in danger when driving a car in order to save time and effort. Companies that provide licensed policies include: RESO, Alfastrakhovanie, Ingosstrakh, Rosgosstrakh. All of these companies are on the RSA list.
What will change for car owners from March 1
Registration of a diagnostic card
From now on, diagnostic cards will be issued electronically. But if you wish, you can get a paper version for free.
Vehicle inspection system
When passing the technical inspection, your car will be photographed upon arrival and departure from the service station. Its registration number, brand and color should be clearly visible in the photo. Without this, it will not be possible to issue a diagnostic card.
VET employees will record and transmit to EAISTO the coordinates of the vehicle and the time of inspection. This is necessary for the system to check them with the coordinates of the inspection point itself. They must match.
EAISTO will also automatically compare the number of vehicles checked with the daily throughput of the service. After exceeding the limit, the system will not allow you to issue any more diagnostic cards on that day.
Previously, the requirements for inspection stations were more lenient, for example, there were no daily limits on the issuance of diagnostic cards, which made it easier for car owners to issue them: sometimes even an application submitted on special websites was enough. This, of course, was in a “gray area” from a legal point of view, but it reflected reality.
