Is insurance valid without a technical inspection in case of an accident?

Is it possible to apply for compulsory motor liability insurance without a diagnostic card and technical inspection?

Auto liability insurance is mandatory. One of the documents that is required in this case is the so-called diagnostic card. It confirms that the insurance company client’s vehicle has passed a technical inspection and is in good condition.

Is it possible to apply for compulsory motor liability insurance without undergoing maintenance? How to do it?

In some cases, you can apply for compulsory motor liability insurance without undergoing a technical inspection of the vehicle. This can be done by preparing temporary insurance.

The option of no card is allowed for new vehicles.

Temporary insurance

This option can be used in cases:

• The driver does not have the documents necessary to obtain a transport card. These include a vehicle passport, a service station and a passport of a citizen of the Russian Federation. Foreigners require a green card;
• The driver must drive to the place where the technical inspection is carried out.

In such cases, insurance will be issued for the period necessary to complete the necessary documentation.

Only for new vehicles

According to current legislation, a vehicle whose age does not exceed three actual years is recognized as new. This period is calculated from the date of release of the vehicle. The date of purchase in this case is not the age of the vehicle. The specified period is due to the fact that three years is the warranty period established by the manufacturer.

The manufacturer bears all costs associated with a vehicle breakdown that occurs due to deficiencies made during the manufacturing process of the vehicle.

Will it be possible to apply for compulsory motor liability insurance without a technical inspection via the Internet? How are car documents checked?

You can resolve your insurance issue by contacting the company’s services via the Internet.

To do this, you must enter the following documents in a special form:

1. Vehicle owner's passports.
2. Passports of the policyholder, if he is not the owner.
3. Vehicle registration certificates or passports.
4. Diagnostic card.

Next, the insurance company checks the information. This happens by exchanging data with government agencies and the Russian Union of Auto Insurers. If questions arise, the insurance company may request scanned versions of documents from the initiator.

Registration of compulsory motor liability insurance via the Internet is relevant for cases when the policy expires or the diagnostic card is lost. In the absence of a technical inspection, this cannot be done, since the diagnostic card data is indicated in a special form. The system simply will not accept the request. An exception is the registration of compulsory motor liability insurance for a car that is new, that is, produced no earlier than three years before contacting the insurance company.

What to do if there is no diagnostic card for MTPL

Insuring a vehicle without a diagnostic card, in most cases, is simply impossible. To solve this problem, the car owner can use several methods.

The easiest thing is to undergo a technical inspection. This option is the simplest and most affordable. You can also take advantage of the lack of obligation to produce a diagnostic card. This option applies to a vehicle that came off the assembly line no more than three years ago. At the end, it is possible to take out temporary insurance, up to passing a technical inspection.

The twenty-day validity period established by law should be taken into account.

Illegal methods: how they happen and is it worth using them?

In practice, people often use illegal methods of obtaining compulsory motor liability insurance.

These include:

• issuing a diagnostic card without undergoing a technical inspection;
• submitting an unreliable technical inspection to the insurance company;
• registration of a diagnostic card from the insurer.

It is better not to resort to such methods. These options will inevitably lead to the application of penalties to the guilty party. Driving a vehicle with false insurance is considered the same as using a vehicle without it.

Diagnostic card without vehicle inspection

Issuing a diagnostic card without passing a technical inspection is one of the illegal ways to obtain insurance. The exception in this case only applies to registration of compulsory motor liability insurance for a new car. When taking out insurance without maintenance, not only the car owner, but also the company issuing the document is at risk, since it actually violates the current legislation.

Purchasing compulsory motor liability insurance using a fake technical certificate

Sometimes car owners deliberately mislead the insurance company by providing false information regarding the technical inspection. In this case, the person himself is at risk. First of all, this is due to the fact that the car owner will simply be refused insurance. Because companies always verify the information provided to them. Even if the falsification is not detected at the stage of applying for insurance, this fact will be discovered during the investigation of the accident.

Diagnostic card from the insurance company

Often, insurance companies offer the client to issue a diagnostic card directly. In this case, the technical supervision organization does not participate in the process. This method is a direct violation of current standards, since in accordance with the requirements of the Federal Law of July 1, 2011 No. 170-FZ “On technical inspection of vehicles and on amendments to certain legislative acts of the Russian Federation”, since the implementation of this procedure is within the competence of accredited organizations or individual entrepreneurs.

Consequences, sanctions and fines

Violation of the procedure for issuing an MTPL policy, including in the absence of a diagnostic card, will inevitably entail liability. For actions of this nature, measures can be applied to both the driver and the insurance company.

For drivers

In this case, the driver will be held administratively liable under Article 12.1 of the Code of Administrative Offenses of the Russian Federation. Sanctions are expressed in the form of a fine in the amount of five hundred to eight hundred rubles. In case of a repeated violation, that is, committed within a year after the first penalty was imposed, the guilty person will pay five thousand rubles, or will be deprived of a driver’s license for one to three months. A person driving a bus or a vehicle designed to transport dangerous goods will pay a fine of five hundred to eight hundred rubles.

Administrative liability for failure to comply with the requirements for compulsory civil liability insurance of vehicle owners is also provided for in Article 12.37 of the Code of Administrative Offenses of the Russian Federation. The fine will range from five hundred to eight hundred rubles.

Vehicles include equipment with an engine capacity of more than 50 cm3, an electric motor power of more than 4 kW and a maximum speed of more than 50 km/h, as well as trailers, tractors and self-propelled vehicles.

For insurance

The insurer will also be held liable for violating the procedure for issuing the MTPL policy. This may be related to compensation for damage caused to the driver if the company knowingly issued an invalid document. In addition to this, criminal liability arises under Article 327 of the Criminal Code of the Russian Federation. Penalties are not limited to a fine of 80 thousand. The guilty person may be subject to forced labor, arrested or imprisoned.

The company may be deprived of its license to operate for illegally issuing a compulsory motor liability insurance policy.

Does OSAGO operate without a diagnostic card?

Although the car must undergo periodic technical inspection, the driver should not carry a diagnostic card with him. If it is available, OSAGO is valid. You can also use insurance in case of loss of your diagnostic card. During the investigation, all data is checked and even if the card is lost, the operator will provide information about the technical inspection.

The situation is somewhat different if the diagnostic card expires. In such a situation, it is necessary to find out when this happened. If the document was valid at the time of the incident, then the person can receive insurance; if not, he loses this right.

What happens in case of an accident

In the event of a traffic accident, it is necessary to present a number of documents, including a compulsory motor liability insurance policy. The presentation of a diagnostic card in this case is not required by law, with the exception of buses and equipment intended for the transportation of dangerous goods. Failure to have a technical inspection may cause problems with obtaining insurance. If during the proceedings it is established that the policy was issued without undergoing maintenance, administrative liability will also arise.

Conclusion

Having an MTPL policy is mandatory for every driver. You can receive it only after passing a technical inspection and drawing up a diagnostic card. This rule does not apply to cars less than three years old. Using an MTPL policy issued in violation of the law will entail liability for both the driver and the company, and will also deprive the person of the right to receive insurance.

Insurance payments if vehicle inspection fails: will I receive a refund? Current legal advice

A technical inspection for drivers is an important procedure that is required to be completed once a year. In recent years, inspection has undergone a lot of changes. For example, now the procedure can be completed in any place convenient for you, and not be tied to registration. After the technical inspection is completed, a document certified by a seal and signature is issued. If previously there was a concept of a “technical inspection coupon”, now there is simply no such concept, since there is no coupon, but there is a special document - a diagnostic card. Many drivers are interested in the question: is insurance valid without a technical inspection?

Diagnostic card: concepts and definitions

A diagnostic card is a document that confirms that the car has passed a technical inspection. The conclusion states whether the car can be driven or not. After passing the technical inspection, the accredited center issues a card . It is an A4 document that contains a table with information about the car. The card indicates the validity period of the document; before the expiration date, you must undergo a new technical inspection.

The expert who assessed the technical condition of the car puts his signature on the document, so he takes full responsibility for the result. Two copies of the diagnostic card are issued . One copy remains with the driver, the second card is taken by the operator. The operator will keep the document for three years. But there is another copy of the card - electronic. In this form, the diagnostic card will be stored for 5 years in a unified inspection system.

When is it necessary to undergo a technical inspection?

The car owner is required to undergo a technical inspection once a year . When the validity period of the MOT expires, you need to contact an accredited body, where you can go through all the necessary procedures. The validity period of a technical inspection for different types of vehicles, depending on their age and intended purpose, may be different.

If you bought a new car at a dealership, you will only need to undergo a technical inspection after 3 years . The countdown is from the date of production of the car. And in two years the next technical inspection. In standard cases, for passenger cars, a technical inspection is required once a year .

Do I need to take a diagnostic card with me?

Do you always need a diagnostic card at hand? Drivers of categories A and B must have a diagnostic card with them if they need to receive insurance or compensation for an insured event . If the car owner has MTPL insurance, then this in itself means that he has a diagnostic card. This is due to the fact that it is impossible to obtain insurance in the absence of a diagnostic card.

Is it necessary to carry a diagnostic card with you in other cases? Most motorists do not have such a need. The inspector may require a diagnostic card only from certain categories of drivers.

Although there is a separate opinion of drivers on this matter. Such paper does not take up much space, so it is better not to risk it and take the card with you . If in the near future it happens that the document is transferred to the only storage option - electronic, then the issue of having a card will disappear by itself.

Insurance coverage in the absence of a diagnostic card

For a long time, the question has arisen among drivers: is insurance valid without a technical inspection ? And even in practice this issue is controversial. It’s worth starting right away with the main thing. In order to obtain MTPL insurance, you must have a valid technical inspection . If the car does not pass the technical inspection, then it is impossible to obtain a compulsory motor liability insurance policy. But there are nuances here. An insurance company that wants to earn points can apply for insurance without a diagnostic card. But in the future, the owner of the car in the event of an accident will receive a lot of problems. What problems can you get?

1. If a traffic accident occurs, then you have no chance to prove that you were not at fault. You will not be able to prove that your car was technically sound, since you do not have a diagnostic card. As a result, you will be found guilty of the incident.
2. Although you have received insurance, the insurance company may refuse to pay you, citing the fact that the document was issued in violation of the law.

Make sure that the diagnostic card is not only in your hands, but also not expired . Otherwise, this fact may become a serious reason for refusal of payments in the event of an accident. If there is no diagnostic card, then compulsory motor liability insurance simply does not apply in this case. The hope that insurance will be paid if there is no technical inspection is negligible and practically non-existent. And if the accident was also accompanied by gross violations , for example, the driver was drunk, then you can lose your license, and you don’t have to think about insurance at all.

Do you think the insurance company is wrong, will you sue them? You need to understand right away that the absence of a diagnostic card does not bode well for you. There are two options for the development of events:

1. You will still be paid compensation if the court recognizes the contract with the insurance company as concluded. But it won't end there. The insurer may file a recourse and demand compensation for all losses that the company incurred because of you. In this case, you will most likely be found to be at fault for the accident.
2. The second scenario: the court recognizes that the transaction you made with the insurance company is void, that is, it was made in violation of the law. As a result, such a situation will be regarded as the fact that you do not have insurance at all.

Who can receive a fine for not having a diagnostic card? As already mentioned, there is a category of transport whose drivers must have a card in hand. Although inspectors may also ask ordinary motorists to present a technical inspection. The following must have a technical inspection :

1. Taxi drivers who transport people. If you are a hired worker and will not be working on your own car, then inquire in advance about the availability of a diagnostic card and technical inspection.
2. Minibuses and buses must also have a technical inspection. They, just like taxis, transport people.
3. Trucks that have at least eight seats for the transport of people (this does not include the driver's seat).
4. Vehicles that transport particularly dangerous goods must also have a diagnostic card, and this condition is mandatory.

When can an insurer refuse to pay under MTPL?

There is a compulsory motor liability insurance policy, as well as a diagnostic card, but the validity period of the diagnostic card has expired . What will happen? Is insurance valid without a technical inspection? In this case, the insurance company has every right not to pay any money. As a result, you will have to do it yourself from your wallet.

If you do not receive payments under compulsory motor liability insurance if you do not have a diagnostic card, then what about the CASCO policy? You won’t learn anything new here, and you most likely won’t receive CASCO payments either. There is no need to count on the mercy of insurance companies; it is not at all profitable for them to make concessions to you if you did not initially comply with the law.

There are many more reasons why you may be denied . For example, if the deadlines for providing all documents regarding an insured event are violated. Also, if you are counting on payments, you do not need to repair the car yourself. You definitely need to wait for the insurance company to inspect the vehicle . Even if you have MTPL and a diagnostic card, in this case you may not count on payments.

Conclusion

Any driver should know the answer to the question - if there is no technical inspection, will the insurance be paid? Moreover, this issue is being vigorously discussed on the Internet, there are a lot of disputes and discussions. But those who confidently say that if they have insurance, they will pay it in any case, they are very mistaken.

The very first and most important rule: OSAGO can be issued only with a technical inspection. This is what responsible and honest companies do. Dishonest companies offer to take out insurance without a diagnostic card, citing the fact that there will be no problems. But they will, as soon as you get into an accident. Therefore, it is best to conscientiously undergo a technical inspection, take out insurance and safely drive your car. And even if you get into an accident, don’t be too upset, the insurance company will take on the bulk of the payments.

Does Osago work if the recreation center is over?

Changes in the traffic police have affected such an area as mandatory technical inspection. The successful outcome of this order was justified by the treasured coupon, which was attached to the front window of the vehicle. Now, automobile regulatory authorities have transferred the vehicle inspection process to private organizations.

The coupon itself was replaced by a diagnostic card. According to updated legislative standards, its validity is limited to one or two years. Below in the article we will consider whether OSAGO works if the diagnostic card has expired.

What is a diagnostic card

A diagnostic card is a generally accepted document at the official level that guarantees the vehicle owner that his car is in good condition, all its systems are operational and meet generally accepted standards.

This is drawn up immediately before purchasing the MTPL policy and confirms that the vehicle is ready for use at the time of the expert’s conclusion. In the future, the owner must maintain the car, motorcycle or other type of vehicle.

The diagnostic test sheet itself was introduced in 2012, on the basis of the adopted Federal Law 170. The technical inspection form does not have the status of an official paper. If previously, without a ticket, it was possible to run into a fine from an employee of the State Traffic Inspectorate, but in the current realities, it is not necessary to take the card with you. The employee may require documentation, namely a driver's license, insurance policy and registration certificate. No other papers are needed.

For the most part, the diagnostic card is done for a period of one year. The process is carried out by an auto expert with the necessary skills. They control the dimensions, the braking system, the presence of an emergency stop sign, and so on. This receipt is issued at the service station there, after the necessary manipulations have been carried out.

In the event of an accident, and the owner of the car has an expired diagnostic card, and the OSAGO policy is valid at the moment. This may serve as a basis for the insurance company to refuse coverage for damage repair. It is important that the diagnostic card for an accident is not expired.

The maximum cost of this mandatory procedure should not exceed 700-800 rubles; if they demand more, then it is a violation of the law.

Current regulatory framework

Legislative acts of the Russian Federation do not provide for the issuance of a compulsory insurance policy, without undergoing a mandatory inspection, of a vehicle for defects if the certificate has expired.

To obtain insurance, you must have a valid diagnostic card. To renew the validity period, you can obtain a temporary diagnostic card, which is issued for a period of 20 days. Then you will need to receive a full maintenance certificate.

If any defects, malfunctions, or errors are identified that have a significant impact on the operation of the vehicle mechanisms, the period for their revision will be 20 days. After time has passed, you can have your car re-inspected, and you won’t be charged any money for it. If there is no MOT, you should go through it.

Recommended inspection frequency

Actions to check and conclude the condition of transport must be done at least once a year. The degree of frequency depends on the damage caused to the car, the number of kilometers traveled and age. You can go to any service station that the driver likes.

This fully applies to old cars; if a completely new vehicle has rolled out of the showroom, then, according to current legislation, it does not have to think about undergoing maintenance for the next few years.

For owners of minibuses with a capacity of more than eight passenger seats, inspection must be carried out at least once every six months. When the validity period expires, you can check through specialized services that have access to EAISTO databases.

If the activity period ends before the insurance period, it is recommended to undergo maintenance to extend it. Whether a diagnostic card is needed, everyone decides for himself.

What happens if there is no diagnostic card

The purchase of an MTPL policy with an expired diagnostic card does not pose any danger to the car owner. The main risk is saving on maintenance. You can safely drive your car even with an expired license.

There are no current late fees. If an accident occurs, this will become a legal basis for covering the damage from your own pocket.

If the vehicle diagnostic card is expired

If an accident occurs at the time of the accident, the diagnostic card is completed, then you will need to fork out some money. The insurance company has the right to refuse to pay compensation to the injured party for car repairs.

We looked at situations that arise when driving with an expired diagnostic card and in the absence of a technical inspection.

Does the lack of technical inspection affect the payment of compensation under compulsory motor liability insurance?

The situation can change if an accident occurs. Here, the expired validity period can become a stumbling block and serve as a motive for insurers not to pay the insurance amount for vehicle repairs. In case of an accident, the diagnostic card plays the role of an arbiter. For example, insurance payments in Rosgosstrakh are read differently.

Everything is quite complicated if, when checking a car or motorcycle for deficiencies, the car technician purposefully or accidentally did not enter the type of fault on the card. Service station owners are responsible for providing incorrect information.

It is almost impossible to prove this, since the details of the verification are not recorded anywhere. The owners themselves are often formally interested in specific shortcomings identified during the inspection process.

This turns out to be a recourse, that is, claims essentially need to be made not to the owner or person managing the vehicle, but specifically to the organization where the maintenance was carried out. You should be prepared to defend your rights in court. Recovery of damages can be dictated in different ways.

OSAGO insurance is not valid in the absence of a diagnostic card in case of an accident. If, in addition to everything else, the driver was drunk, then the driver faces the loss of his driver’s license. When selling a car and registering a car, a card is not required.

Availability of a diagnostic card for an accident

Buying a car is accompanied by obtaining a number of documents necessary for the owner in the future. You must always have with you: a driver's license, a registration certificate for a car, a trailer (if you have one). According to Article 2 of the Traffic Regulations, these papers must be presented to a police officer upon request. The rules and Federal Law No. 40 establish that the driver must have a compulsory motor liability insurance policy, except in cases where the car was purchased less than 10 days ago.

In addition, taxi workers must have a waybill and permission to transport people. Drivers with a disability and using a “disabled person” sign on their car must have documents with them that confirm their presence.

According to statistics, every third motorist has been involved in a traffic accident at least once in his life. Not everyone knows what actions to take during an accident, whether to provide documents for the car, or whether it is necessary to present a diagnostic card in case of an accident. Meanwhile, correct registration of an accident will help the driver receive insurance payments.

What is a diagnostic card?

According to Federal Law No. 170, Article 19, the diagnostic card is a document that reflects the level of operational safety of the machine. Contains the conclusion of a technical specialist, his signature, validity period or a list of faults that must be eliminated in order to obtain permission to drive a vehicle.

The diagnostic card usually takes the form of an A4 sheet. It is filled out in two copies, one of which goes to the technical specialist who carried out the inspection. The driver has another written option. In addition, a digital copy of the card is created, which is stored in the electronic technical inspection database for five years.

When the owner changes, the diagnostic card is valid until the end of the actual expiration date indicated on it. The coupon itself indicates the technical condition of the car, which contains 65 points. After checking with the inspector, it is filled out, signed and sealed by the organization.

In order to easily obtain an insurance policy for a vehicle, the driver must provide a diagnostic card. It is needed to synchronize with the policy. Otherwise, the issuance of compulsory motor liability insurance will be refused. You can avoid problems with the document if you update it in a timely manner and monitor the expiration date. Of course, it is not prohibited to keep a diagnostic card at home. But in order to avoid wasting time in case of accidents, it is better to carry it with you, like all other mandatory papers for the car.

Do you need a diagnostic card in case of an accident?

The legislation does not require the constant presence of a diagnostic card when a vehicle is involved in a road accident. Since it is tied to the car insurance policy, the traffic police inspector can find out the necessary information from it. If the vehicle is used to transport dangerous goods or passengers, then having a diagnostic card is mandatory on an ongoing basis.

A document confirming the passage of technical inspection is necessary to receive insurance payments for a car that was involved in an accident. If the diagnostic card is physically available or as a number indicated on the compulsory motor insurance policy, then the owner has nothing to worry about.

However, situations often arise when paper was purchased for money without a thorough inspection. If the car has faults that resulted in an accident, and a repeat inspection confirms this, then the owner may find himself without payments from the insurance company under compulsory motor liability insurance. She files a claim against the organization that issued the technical specifications for the faulty car.

To avoid a conflict situation with the MTPL insurance company, you must carefully check the data on the card. Don’t buy it, but go to trusted companies. The document itself must be filled out correctly, with stamps, signatures, and mandatory information about the car and its registration details. If there are inconsistencies with the requirements and filling rules, point out the errors to the operator and ask them to correct them.

Is MTPL insurance valid in case of an accident without technical inspection?

A motor vehicle insurance policy cannot be obtained without passing a technical inspection. However, this rule does not apply if the purchased car is no more than three years old (Federal Law 170, Article 15). Then obtaining a diagnostic card is not required and the owner can be issued an MTPL policy without it.

There is a well-functioning system that is used by companies issuing MTPL. If the driver does not want to undergo a technical inspection of the car, he is provided with a completed diagnostic card for an additional fee and sent to a technical inspection point. It is impossible to issue a conclusion without checking the car, therefore such actions are a direct violation of the law.

The validity of an MTPL policy without a diagnostic card number in the event of an accident is confirmed if:

• the car is exempt from undergoing technical inspection;
• the car is not used for mass transportation of passengers - as a taxi;
• the vehicle was produced less than three years ago;
• A trailer of up to three tons, which was registered by an individual, was involved in an accident.

Attention

In all other cases of absence of a diagnostic card in case of an accident, the motor insurance policy under compulsory motor liability insurance will not be valid, and the driver runs the risk of not receiving monetary compensation.

Passing an examination for emergency policy issuance can be done with the help of companies that engage in this activity. As a rule, the driver undergoes a quick superficial check and receives a diagnostic card within 10 minutes. Some enterprises do not inspect the car at all and issue documents based on the registration and provided technical data of the car.

In any case, if a driver gets into an accident without a technical inspection, he is unlikely to be able to receive a cash payment under compulsory motor liability insurance. Therefore, there is no need to delay carrying out a scheduled technical inspection.

Is CASCO insurance valid?

In addition to the mandatory receipt of compulsory motor liability insurance, the car owner can take advantage of voluntary insurance - CASCO. A CASCO car policy is different in that it protects the interests of the car owner in any case.

The cost of a CASCO policy is much higher than that of compulsory MTPL insurance, but CASCO also protects against a wider range of possible incidents. The owner himself chooses for which points he wants to insure the vehicle.

CASCO protects the car from the following situations:

• hijacking;
• damage to the car due to natural disasters, accidents, and other cases.

The policy does not work if at the time of the accident the driver was under the influence of alcohol or drugs, the accident or other actions were committed intentionally, and the localization of the incident was outside the borders of the Russian Federation.

It is worth reading the completed CASCO agreement carefully. Because the insurance company may refuse to pay if the driver committed a serious violation of traffic rules, which resulted in a large-scale accident. Moreover, if the owner does not have a valid diagnostic card with him, then it is very difficult to prove that the cause of the accident was not a malfunction of the vehicle. Therefore, the company may not compensate him for the damage.

Insurance organizations are attentive to the distribution of funds for CASCO payments as a result of an accident. They very often delay the transfer of compensation, coordinate and check the facts. For your own peace of mind, it is better to have valid technical inspection documents in hand. This will help speed up the insurance payment process.

What are the consequences of not having a diagnostic card in case of an accident?

At the moment, fines for failure to have a technical inspection of a car when involved in an accident have been abolished by law. But this only applies to vehicle owners who use the car exclusively for personal needs.

A fine of 500 to 800 rubles is charged:

• Taxi;
• buses;
• other types of vehicles intended for transporting people;
• vehicles transporting dangerous goods.

Despite the fines, vehicle owners still need to have valid technical documents. You do not need to take a diagnostic card with you - you will need it in order to obtain a compulsory car insurance policy.

The absence of a diagnostic card in case of an accident may lead to the filing of retaliatory claims from the insurance company (Article 14 of the Federal Law 40), which agreed to pay compensation. Moreover, if the culprit of the accident is the owner without technical inspection.

In cases where diagnostic documents were issued with false information about the condition of the vehicle in advance, the insurance company may file a claim against the organization that performed the inspection. It specifies requirements for monetary damages to the parties injured in the accident. In any case, after an accident, the insurance company assesses the technical condition of the car. Therefore, it is better to take care of checking the car in advance.

An expired diagnostic card for a victim in an accident

Inattentive car care and late checking of papers can lead to the delay of valid documents on technical diagnostics. During the inspection procedure, the suitability of the machine for operation is determined, including:

• steering;
• brakes;
• lighting, lanterns;
• electronics;
• engine;
• rubber and other car parts.

If there are any malfunctions, recommendations for elimination are given. In addition, information about the car is added to a single electronic database to make it easier for the owner to obtain an MTPL policy. Diagnostics must be performed annually.

Situations arise when a driver buys insurance with a valid technical inspection, but its expiration date expires faster than the policy. In this case, the driver must undergo a retest as soon as possible. The absence of a diagnostic card in case of an accident will entail an inspection of the car for malfunctions. As a result, a refusal to pay insurance compensation under MTPL may result.

In cases where a person who does not have maintenance becomes a victim in an accident, the company still pays him monetary compensation. This is because compulsory insurance is designed to protect the car owner from being at fault. That is, the victim is paid compensation by his insurance company, but the organization sends claims for damages to the place where the culprit motorist is registered.

Payments for insurance cases are regulated at the legislative level, by the law on compulsory motor liability insurance. It also states in Article 12 the conditions under which compensation for damage occurs:

1. The accident caused damage only to cars.
2. The number of participants in the incident is no more than two.
3. Drivers have an MTPL policy.

If the injured party does not have a technical inspection sheet for an accident, and without it, a compulsory car insurance policy, then you need to contact the insurance company of the guilty party in the accident. The organization must pay compensation.

To summarize, we can highlight the features that characterize the technical inspection of a car. Owners who are concerned about the condition of their car need to ensure that they have a diagnostic certificate and compulsory MTPL insurance. This will save you from problems in case of an accident.

The nuances of having a diagnostic card in case of an accident include:

1. Best before date.
2. Not required to be presented to the traffic police inspector, thanks to changes made to the law.
3. You don't need to have it with you all the time.
4. Issued only at specialized technical inspection points after a full check of the vehicle.
5. Documents the right to use a technically sound vehicle.
6. Mandatory when taking out a compulsory motor liability insurance policy. Without it, the contract with the insurance company may be considered fictitious.
7. The document does not require re-registration when the owner of the car changes. It is valid until its expiration date.

In situations where the diagnostic card is lost, you can use the right to restore it. According to Federal Law No. 170, the owner of the car contacts the company where the technical inspection was carried out or any other. Writes an application for a duplicate. Based on the information in the common electronic database, the specialist provides the driver with a document on the day of the application. The procedure is paid, but not more than 1/10 of the cost of a standard check.

In any case, having a technical inspection in case of an accident will protect the driver not only from problems with the insurance company, but also from sudden car problems.

What happens if there is no technical inspection but there is insurance in 2020

Today we will find out what happens if there is no technical inspection, but there is insurance. How the insurance company will behave in this case in case of an accident, as well as all issues related to the period of technical inspection and its absence.

Is a technical inspection required for insurance?

The driver should not have a diagnostic card while driving the car. But to obtain an MTPL policy, you need a document confirming the passage of a technical inspection.

Some operators simplify the procedure for issuing policies. As a result, insurance is issued without technical inspection. You can travel with such a policy, but up to a certain point. Trouble can arise at the very first traffic incident. The car owner will face problems if he wants to receive compensation.

The fact is that operators issue policies, but information about the conditions of insurance is not on the surface. The contract includes a condition that the insured person must undergo a technical inspection within a certain period. Failure to comply with this condition will result in a refusal to pay insurance compensation.

In practice, it turns out that a technical inspection is not needed for insurance, but it is needed for the driver. The main purpose of diagnostics is to find out whether the machine meets safety requirements. When everything is in order with the transport, a diagnostic card is necessarily issued (previously coupons were issued). If malfunctions are found, they need to be corrected.

According to paragraph 3 of Art. 15 of Law No. 40 - Federal Law, in order to obtain insurance, the driver needs to collect documents according to the list:

• statement;
• passport;
• PTS;
• driver license;
• diagnostic card.

According to the law, if there is no diagnostic card or the document is expired, the insurer must refuse to issue a policy.

Now car owners can make a choice on how to get insurance: come to the office of the insurance company or simply send an application to the website. There is no need to collect paperwork when applying online. The insurer independently collects information from government agencies and the Russian Union of Auto Insurers. Registration of an electronic policy is carried out in a few clicks.

5 clicks to get MTPL insurance:

1. Go to the insurer's website.
2. Complete registration.
3. Log in to your Personal Account.
4. Select the insurance that is expiring.
5. Pay the insurance premium in a way convenient for you.

After this, all that remains is to log into your personal account and download the policy. Driving without a compulsory motor liability insurance policy is fraught with consequences for drivers. If a violation is discovered, you will have to pay a fine. But there are cases when it is difficult to obtain insurance:

1. The car owner lost the diagnostic card.
2. You need to get to the place of the scheduled inspection.

You can take out a temporary policy, but this is an extra expense. It is more convenient and profitable to make a policy via the Internet. There are nuances that need to be taken into account before drawing up a contract - this is the rating of the insurance organization and customer reviews.

How long is a diagnostic vehicle inspection card valid for insurance?

The deadlines for checking a car are established by law. Art. 15 of Law No. 170-FZ determines how long a diagnostic inspection card is valid for insurance.

The validity period of the diagnostic card depends on the age of the car:

1. New car. For the first three years, including the year of manufacture, you can drive a car without documents confirming the diagnosis. Therefore, you can drive with insurance without a technical inspection.
2. The age of the car is from three to seven years. You need to check your car every two years.
3. Cars seven years and older are inspected annually.

For example, the owner of a 2015 Kia Rio may not have to worry about passing the inspection until 2018. You will need to undergo an inspection in 2018, 2020, 2022, and then annually.

Requirements for a successful inspection are:

• There is a first aid kit in the cabin;
• fire extinguisher;
• tires, wheels, brake system, steering wheel and engine are in good condition;

If everything is in good condition, then a diagnostic card is issued. One copy remains with the operator, so that if necessary, a duplicate can be obtained. You can contact any company; you don’t have to go to the place where the vehicle is registered. The main thing is that the center has accreditation to provide services. Permits to operate in this area are issued by the Russian Union of Auto Insurers.

If the operator finds faults, the diagnostics will have to be repeated. I'll have to stop traveling for a while. In order not to receive additional claims during the next inspection, you need to contact the same center that first conducted the inspection. Another operator has the right to start the inspection again.

The owner of the car or his representative must undergo inspection. In the latter case, a power of attorney is required. Notarization is not required.

Is it necessary to do a technical inspection if you have insurance?

By law, a diagnostic card is required to obtain insurance. But there are several cases when you can do without it:

1. Transport is not subject to inspection. For example, a trailer weighing less than 3.5 tons does not need to be checked. The rule applies provided that the owner of the trailer is a private person and not an organization.
2. Three years have not passed since the car was released. The exception is when the car is used as a taxi.
3. The validity period of the previous diagnostic card has not expired. So, if the car is between five and seven years old, then the card is valid for two years.

If you need to sell a car, you can do it without insurance and technical inspection. The MTPL policy is issued to the owner of the car. Therefore, the new owner will need to handle the registration himself. The diagnostic card does not give a 100% guarantee that everything is in order with the car. Therefore, the lack of documents is not an obstacle to selling a car. You just need to find buyers.

When a car is sold with a diagnostic card, it will be easier for the new owner to take out an MTPL policy. After all, you won’t have to go through the diagnostics again. The validity period of the card does not depend on the change of car owner.

Will there be a payment if there is no technical inspection or it is overdue?

You can easily get a policy even without a diagnostic card. But it is unknown whether the insurance will pay. In the event of an accident, the insured person deprives himself of the chance to prove that his car was technically sound. Therefore, he risks that he will be found to be the culprit of the accident.

The insurance company gets the opportunity not to pay compensation, arguing that the compulsory motor liability insurance policy was not issued in accordance with the rules.

The owner of the car has a chance to obtain payment of compensation through the court. But the joy may be short-lived. After all, the insurer can file recourse against the car owner if the latter is found to be at fault in a traffic accident.

The court may decide the issue not in favor of the car owner. The car insurance contract is considered void, and the driver in this case is liable for the accident. Therefore, the situation if there is no technical inspection, but there is insurance, may turn out to be unpleasant for the driver.

Some drivers solve the question of whether I can drive without a technical inspection in a peculiar way - they buy a fake OSAGO policy.

For reference! By buying a piece of paper “for pennies”, a person gets himself into trouble. Using false documents is a crime.

Example when the insurance company refuses to pay

To avoid paying insurance, companies use one method:

1. First, they offer to issue a new MTPL policy and hand over a blank diagnostic card.
2. The appendix to the form states that the driver is required to undergo a technical inspection by a certain date. If the driver does not take him to the inspection for inspection, he is denied payment.
3. If, by a court decision, the insurance company is forced to make a payment, then it may be required to pay compensation from the driver by way of recourse.

Therefore, when drawing up a contract, you must carefully read its terms and conditions.

Can there be exceptions?

There are exceptions when you can temporarily drive without a technical inspection. The validity period of the MTPL policy in this case is no more than twenty days.

These are the exceptions:

1. The purpose of the trip is to conduct an initial or repeated inspection.
2. Proceeding to the place of registration of transport after purchasing a car.

It’s more convenient to fill out the documents in one place - choose the commercial center of MREO at the State Traffic Safety Inspectorate, where you can immediately get a diagnostic card, apply for compulsory motor liability insurance and register. In this case, you will have to incur additional costs, but you will save time. The price for issuing a document with a validity period of twenty days is 20% of standard insurance.

Consequences for driving without a technical inspection

On the one hand, the driver can safely drive without a diagnostic card, since there are no fines for lack of technical inspection. There is a fine for not having a policy - 800 rubles. If you wish, you can apply for compulsory motor liability insurance without a diagnostic card. But the punishment for your own carelessness may be problems with obtaining compensation. Therefore, for your own safety, it is better to get insurance and technical inspection. If all documents are available, the insurer will have no reason to refuse to pay compensation.

So is it necessary to check your car to obtain a car insurance policy? Now this is not necessary; many companies are ready to issue an agreement without a card confirming the diagnosis. This is all true, but in the event of an accident you may find yourself in an unpleasant situation.

The courts recognize a “car insurance” policy without a technical inspection as a void transaction. This means that there are no guarantees of receiving payments from the insurer. Buying insurance without a vehicle inspection can be costly. Therefore, it is better not to neglect the established rules and undergo diagnostics.

We look forward to your questions on this topic below. We would be grateful for rating the post and reposting.

We also recommend that you find out about MTPL insurance without restrictions.

You can sign up for a free individual consultation with a car lawyer on our website using a special form.