Does OSAGO operate without a diagnostic card?

Is it possible to get insurance without a technical inspection?

Each owner of a vehicle, in accordance with Article 40 of the Law “On Compulsory Motor Liability Insurance” of 2003, must insure his liability to third parties and only after that get behind the wheel of his car and drive on the roads. In addition to the compulsory insurance contract, the motorist must check the technical condition of his “iron friend”. In this case, the question arises: can you get insurance without a technical inspection?

OSAGO without technical inspection

It is indeed possible to obtain an MTPL policy without a diagnostic card. However, not all vehicle owners can count on this. According to the law, vehicles less than three years old are exempt from undergoing an annual technical inspection. It turns out that if you are buying a new car, then you do not need to make a diagnostic card.

Insurance companies are ready to provide an MTPL contract without a diagnostic card to those drivers who do not need to undergo a test because the car is new. In order to determine whether a policy can be issued without a technical check or not, the policyholder must provide the insurance company representative with a vehicle passport. It is from the date of issue in the PTS (according to the current law) that the full years of the vehicle are calculated. In practice, the date of issue of the passport and the date of purchase do not coincide.

For example, Alexander Voronin bought a new car, Kia Serato, on November 15, 2013. However, the vehicle passport indicates the date of release from the factory, April 23, 2013. When applying for an insurance policy on November 15, 2016, Alexander Voronin must undergo a technical inspection and only after that contact the insurance company to purchase a policy, since the car, at the time of insurance, is more than three years old.

It turns out that only owners of new cars can get insurance without a technical inspection. All other motorists must undergo verification and only after that enter into an agreement.

Diagnostic card from the insurance company

Recently, almost all insurance companies offer to purchase a diagnostic card immediately when taking out a policy. Of course, car enthusiasts are quite happy with this service, since they save their time and purchase two contracts at once in one place, albeit at a slightly higher cost.

While a number of companies are ready to provide a ready-made technical inspection, other companies simply provide an agreement for the inspection and only accept payment for the state fee. An agreement is issued for a specific station with which the insurance company has entered into an agreement. According to the issued contract, immediately after issuing compulsory motor insurance, the car owner must go to the technical inspection point at the specified address and present the car for inspection. But having received the long-awaited OSAGO form, not everyone is ready to go to the station.

OSAGO via the Internet

You can even buy a compulsory insurance policy online. Do I need a diagnostic card when applying for compulsory motor liability insurance via the Internet? If the car is older than three years, the service will not request the diagnostic card number. For cars older than three years, you will have to undergo a technical inspection.

When registering online, the vehicle owner must enter all the necessary information and submit it for verification. The diagnostic card is checked automatically through the EAISTO service.

EAISTO is a unified database that stores information about passing a technical inspection. Anyone can obtain reliable information about passing a technical inspection. To do this, you will need to go to any available website and indicate the car number. The check is carried out within a few minutes. The service is free and does not require registration.

It turns out that when you apply for a policy via the Internet, the system itself will run a check using the vehicle number and, if there is no information, will refuse to receive an online MTPL agreement.

What happens in case of an accident

If a car owner nevertheless signs up for compulsory motor liability insurance without a diagnostic card, and an accident occurs, the insurance company may refuse to pay and, in court, declare the contract invalid because the terms of registration have been violated. In practice, there are many decisions in which payment refusals are made as a result of violation of the law and incorrect registration of compulsory motor liability insurance.

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:

The accident caused damage only to cars.
The number of participants in the incident is no more than two.
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:

Best before date.
Not required to be presented to the traffic police inspector, thanks to changes made to the law.
You don't need to have it with you all the time.
Issued only at specialized technical inspection points after a full check of the vehicle.
Documents the right to use a technically sound vehicle.
Mandatory when taking out a compulsory motor liability insurance policy. Without it, the contract with the insurance company may be considered fictitious.
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.

Is it possible to get an MTPL policy without a diagnostic card?

Car enthusiasts face many questions about exactly what steps they will have to go through in the process of registering a car. Obtaining an MTPL policy is an important step for every vehicle owner, which occurs after submitting documents to the insurance company. The mandatory package includes a vehicle inspection to ensure that it is in working order. Is it possible to get compulsory motor insurance without a diagnostic card and how to do it? The issue is relevant for many drivers and requires detailed consideration.

When to do without a technical inspection

Registration of a car insurance policy requires the vehicle owner to submit a complete set of documents. In the standard case, this includes a technical inspection, but there are a number of exceptions:

a new car has been purchased and insured;
3 years have not passed since the release of the vehicle.

It is in such cases that a technical inspection is not required and compulsory motor liability insurance is issued without it. In the rest, the document will be necessary, since the insurance company must make sure that the vehicle can be operated normally and does not pose a potential threat to other road users due to the presence of serious technical faults.

Today, an alternative way to obtain a document is available – via the Internet. To do this, some companies provide the corresponding service on the website, in a specialized section. Do I need a diagnostic card when applying for compulsory motor liability insurance online? It is included in the set of required documents for filling out the data in the application form, and therefore will be needed.

Does OSAGO apply if the diagnostic card has expired? The insurance agreement itself remains valid, but in the event of an accident, difficulties may arise for the interested party.

An overdue technical inspection is grounds for a complete refusal to receive payments and does not give the vehicle owner the opportunity to prove that the vehicle was in good working order at the time of the accident.

Registration of compulsory motor liability insurance without a diagnostic card

Drivers are not always ready to spend time and effort on carrying out all the necessary procedures for car maintenance. That is why you should find out whether it is possible to buy OSAGO without a diagnostic card? This document is included in the list of mandatory submissions by the interested party for the execution of the contract. That is why it seems possible to issue compulsory motor liability insurance without a diagnostic card either illegally, which entails a lot of negative consequences, or for new cars (less than 3 years old). In other cases, you will have to provide a document confirming the technical serviceability of the vehicle.

Is a technical inspection required to obtain an electronic MTPL? The answer is definitely yes. Despite the fact that the procedure for issuing such a document is simplified and accelerated, this does not change the general rules of execution.

Consequences of registration of compulsory motor liability insurance without maintenance

If the presentation of a diagnostic card was implied, but for some reason the contract was concluded without it, all parties to the agreement will have problems. An MTPL policy without a technical inspection does not provide complete protection for the vehicle in the event of an accident.

Registration of compulsory motor liability insurance in 2019 involves the submission of a full package of documents, including a diagnostic card. It is this that serves as proof of the vehicle’s serviceability and ability to operate it. If you apply for compulsory motor liability insurance without a diagnostic card, the consequences are most likely to be negative for both parties.

For the driver

If more than 3 years have passed since the vehicle was released, then you will have to undergo an inspection and also receive a card containing the relevant information. Theoretically, there are several ways to draw up an MTPL agreement without it:

formal inspection of the vehicle by a representative of the insurer;
completely illegal methods, including forgery of documents.

Obviously, rating companies will not use such options, and insuring a car with unverified ones is dangerous and unjustified.

If you take out insurance without a technical inspection, the only advantage for the driver will be the absence of time spent on undergoing a vehicle inspection. If there is no accident during the insurance period, the driver will be able to avoid a number of negative aspects. However, if an accident occurs, then the risk of losing money increases significantly.

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For a participant in an accident

When involved in an accident, the driver's only hope for receiving compensation is insurance. When issuing it without a timely and correctly issued card, there will be some disadvantages:

refusal to provide insurance compensation;
a significant reduction in its size;
compensation for damage to the second participant in the accident at his own expense;
recognition of the MTPL agreement as invalid.

There are maximum negative consequences for the driver. If you drive a car without a technical inspection in 2019, you will be fined 800 rubles. without detaining the vehicle. Repeated checks by traffic police officers of the driver’s documents will entail repeated imposition of sanctions and the need to repay them.

For insurance

Issuing compulsory motor liability insurance without requesting a diagnostic card from the insurance company entails problems for it. If such a violation is detected, then an audit of activities cannot be avoided. Its results may be unpredictable, and therefore the insurer risks its license to operate. At best, fines will be imposed for the illegal issuance of MTPL policies.

Taking out car insurance without a technical inspection is only possible legally if the vehicle is new or less than 3 years have passed since its release. In other situations, it is strictly necessary to obtain a diagnostic card, the absence or expiration of which will not allow either issuing compulsory motor liability insurance or fully exercising the rights provided for in the contract. If the technical inspection period has expired, there are also negative consequences for the car owner, especially if he is involved in an accident. The insurance company is responsible for drawing up a contract without providing a diagnostic card.

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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.

Does OSAGO operate without a diagnostic card?

The law is harsh, but it is the law - this is what our forefathers said, relying on the sacred duty of every citizen to fulfill the Laws of their state. Apparently, not every one of us absorbs the essence of this catchphrase with “mother’s milk”, which is why incidents happen to us, thrifty ones, that defy any logic.

In accordance with the new Federal Law on Compulsory Motor Liability Insurance, each vehicle owner, when concluding an agreement with an insurance company, is required to provide a number of documents, one of which is a diagnostic card issued by an accredited technical inspection operator (OTO) entered in the RSA register. There is also a list of cars and the timing of diagnostics for each of them (Article 15.).

Traffic police officers have been deprived of their authority to impose penalties for the driver’s lack of a diagnostic card or maintenance ticket. This innovation has freed the hands of many car owners, who are now in no hurry to subject their car to undergo diagnostics, without knowing that they are cutting off the branch they are sitting on. No one can guarantee that he will avoid the fate of becoming a participant in an accident, in any role: be it the culprit or the victim. Then the “X” day comes, when you will have to regret not passing the technical inspection on time.

At first glance, it seems strange that the insurer goes against the Law and draws up a contract without finding in the policyholder’s document folder a diagnostic card issued by an accredited technical specialist. After all, in essence, it allows for free movement of a vehicle that may be about to fall apart or be subject to another incident included in the list of insured events specified in the terms of the contract. However, as practice shows, more often the “root of evil” is not in the insurance company, as in the object of insurance, but in its separate element, which is the insurance agent, and he can have a completely different vision of the problem of insurance without a diagnostic card .

You don’t need to be a rocket scientist to guess why people try to bypass the technical diagnostic procedure:

The first argument is the driver’s absolute confidence that the car has serious problems. In this case, not a single responsible expert will give the car owner that treasured multi-digit code, which is subsequently entered into the general database and which is indicated in the insurance policy, certifying that the condition of the car meets the established technical requirements.
The second, less important, but common reason is lack of time and desire, simply laziness.

There is only one result - the insurer sells insurance without the driver having a diagnostic card.

Let's take, for example, diagnostics of passenger cars. In different regions of the Russian Federation, different tariffs are set for its passage, the average parameters are 350 - 400 rubles. Many will agree that the amount is not significant, in any case, it cannot be compared with the funds that will have to be sacrificed in the event of an accident.

Another question is the fake diagnostic card. It is bought by drivers who do not have the time to spend the Nth amount of money on purchasing new spare parts and carrying out the necessary repairs. As a rule, a fake card costs about 2 thousand rubles. However, the fact of its presence will not make the car less vulnerable and will not increase the level of safety.

It’s great if nothing tragic happens during the entire term of the insurance policy. Unfortunately, this is not always the case. An accident occurs, the policyholder, reassured by insurance guarantees, rushes to provide the company with the necessary documents to receive compensation payments, and is immediately faced with a problem. The absence of a diagnostic card on the date of signing the contract can simply cancel it, moreover, unilaterally. In total, there is no contract - no compensation, there are repair costs, many times exceeding 400 rubles.

There is another scheme that some insurance companies often use, relieving themselves of responsibility for paying compensation, relying on the negligence of policyholders.

For example, a client came to the insurance company with a problem: his insurance and the validity period of his maintenance coupon had expired at the same time. The insurer is happy to conclude a new OSAGO contract and hands the car owner a new, blank diagnostic card, not forgetting to take payment (about 600 rubles). Everything, it would seem, can be rejoiced, both problems were solved overnight, if not for one BUT.

Few policyholders bother to read and understand the text printed on the coupon that is attached to the DC. It says here that the insurance company notified the client that he needs to undergo diagnostics at an accredited technical inspection point by such and such a date of this year, and that he (the client) needs to come to the specified address to carry out the necessary technical operations. It is further stated that the insurance company is not responsible for failure to follow instructions and ignoring maintenance.

If during the validity of the insurance contract the policyholder does not have an accident, but the fact of lack of maintenance is discovered, then the contract will simply be canceled and the client’s money, or part of it, will be returned. In this case, the policyholder risks only 600 rubles paid for a blank diagnostic card form.

If an accident occurs, the client will have to part with both the policy and the money to compensate for repairs. Of course, we may be talking about amounts hundreds of times higher than both the cost of the maintenance procedure and the cost of the MTPL policy itself.