Why do you need a technical inspection if you have insurance?

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

OSAGO is a contract that every vehicle owner must purchase. According to the rules, to purchase compulsory motor liability insurance, the policyholder must provide a personal passport, car documents, driver’s license and diagnostic card. To obtain a card, you must present your car to a specialized inspection point for inspection.

Secrets of OSAGO

Perhaps the most important question that concerns motorists: is it necessary to do a technical inspection if you have insurance? According to the new law, road inspectors no longer check for the presence of a diagnostic card and cannot issue a fine if it is missing, or remove license plates. Only the MTPL contract is checked, since the driver cannot go on the road without a signed contract. For the absence of a compulsory insurance form, the inspector may impose penalties on the driver. It turns out that it is possible to drive without a technical inspection, but with insurance.

But there are, of course, exceptions. These are buses, taxis and other vehicles designed to transport passengers. According to the law, this category of vehicles must not only undergo inspection 2 times a year, but also carry a diagnostic card form with them.

Overdue technical inspection in case of an accident

In most cases, many motorists perform a technical inspection only to obtain a compulsory insurance contract. When selling a vehicle, the previous owner of the vehicle can donate a diagnostic card form to the new owner and thereby save him the costs of receiving compulsory motor liability insurance. In practice, there are many cases when, when drawing up a contract, they provide a card, the validity of which expires after a few days or months and the policyholder continues to drive without renewing the diagnostic card.

The question arises: if there is no technical inspection, will the insurance pay out in the event of an accident? According to Article 76 of the Law “On Compulsory Motor Liability Insurance”, the insurance company may demand compensation for expenses incurred (recourse claims) to the culprit of the accident if at the time of the insured event he had an expired diagnostic card form. It turns out that all costs associated with repairing the victim’s vehicle can be assigned to the culprit.

Example when a company refuses to pay

Ivan Fedorov bought a used vehicle on September 05, 2016 and received a diagnostic card form as a gift from the previous owner, which is valid until November 15, 2016. To draw up an MTPL agreement, on September 05, 2016, a representative of the insurance company accepted a technical inspection card and issued an MTPL agreement for a period of 1 year.

To save money, Ivan Fedorov did not renew the diagnostic card on November 15, 2016 and decided to drive until a new OSAGO contract was required. But on November 25, 2016, Ivan Fedorov lost control and became the culprit of a major accident, causing damage to two cars at once.

Hoping that the insurance company would compensate for all losses associated with the repair of damaged cars, Ivan Fedorov was completely calm until he received a letter from the insurance company. According to the letter, he must compensate for all losses associated with the payment of insurance compensation as a result of the fact that at the time of the accident the technical inspection was overdue, but there is insurance under which Ivan violated the law and will not renew the inspection.

It turns out that the losses far exceed the fee for technical inspection. Conclusion - there is no need to take risks, since the fee for losses can be several times higher than the minimum fee for undergoing a technical inspection. Having a valid MTPL and Diagnostic Card is the key to your financial protection in the event of an insured event.

Exceptions to the rules

Exceptions apply only to those vehicles that are inherited or given as a gift. This category of persons received a period of 20 days during which they can purchase a temporary MTPL contract - transit, for which a diagnostic card is not required.

During the specified period, the new owner must register the car, undergo a technical inspection and purchase a compulsory insurance contract.

Important for every car enthusiast

In order not to take risks on the road, having a valid MTPL and a diagnostic card is a must for every driver. The inspection takes no more than 20 minutes. The inspection fee in most cases does not exceed 800 rubles. Technical inspection points are usually open daily, from morning until late.

You should not save, because if you believe the famous proverb, the stingy pays twice.

Is it necessary to have a technical inspection in case of an accident?

Car inspection and obtaining a diagnostic card is a question that is asked by both numerous drivers and legislators. An accident may happen on the road, but not all drivers know what set of documents must be present in the event of an accident. For example, an accident occurred, but you don’t have a diagnostic certificate on hand, or the technical inspection is overdue. In fact, changes have been made to the legislation, and now traffic police officers cannot fine a driver for not having a vehicle inspection ticket, much less control its availability. But this does not mean that now you do not need to regularly undergo maintenance and receive a document about it. The changes are specified in Traffic Regulations 2.1.1. new edition.

Normative base

The main legal document regulating technical inspection is Federal Law No. 170 of July 1, 2011 “On technical inspection of vehicles.”

The rules for filling out the diagnostic card are prescribed in Order of the Ministry of Transport No. 274 of August 21, 2013.

According to ch. 3-4 Federal Law No. 170 of July 1, 2011, technical inspection must be carried out by specialists at service stations that have a license and work permit, and are also included in the register.

What is a technical inspection?

A vehicle technical inspection is a procedure during which the car is inspected by specialists to ensure that the vehicle can operate normally. Both the car itself and all its additional equipment are checked.

The maintenance procedure consists of several mandatory check points:

Brake system.
Lighting devices.
Engine operation.
Condition of tires, mirrors, seat belts, and glass.

In addition, the operation of the computer system and all control systems must be checked. For each type of transport, Appendix No. 1 to the “Rules for Technical Inspection” provides separate standards.

A technical inspection is currently being carried out to confirm the safety of the car before receiving insurance. The diagnostic card, which replaced the inspection ticket, contains more information on the condition of the car. If you indicate knowingly false data in it, responsibility falls on the service station employee. In the event of an accident, the insurance company has every right to demand the cost of repairing the car if the accident occurred due to a vehicle malfunction. Before starting the inspection, the operator is required to check all accompanying documents for the vehicle. The owner of the car must have a vehicle registration, an identification document, and also confirming the right to drive this vehicle.

Diagnostic card is a document in A 4 format, which must contain the following information:

Vehicle owner details.
Diagnostic card number.
Listing of all parts and assemblies that were checked during the inspection.
Conclusion of a specialist.
Marked with registration in the traffic police.
Operator's seal and signature.

This is very important for insurance companies that issue MTPL or CASCO insurance. Insurers can be sure that the owner who is involved in an accident due to a malfunction, for example, of the brakes or other important components of the car will not have to pay for the consequences of an accident.

If the technical inspection reveals obvious faults and deficiencies, the owner has 20 days to repair them and put them in order. Then a second technical inspection is carried out. It only checks parts that previously had complaints.

Vehicles less than three years old may not undergo the inspection procedure. These are new motorcycles, cars, as well as trailers and semi-trailers. Some unscrupulous insurers, when issuing policies, try to speculate that the newness of a car is considered only by year. For example, if a car was produced in 2015 in the month of May, then it turns three years old in 2108 on January 1 and the owner is required to undergo maintenance in January to receive compulsory motor liability insurance. This is illegal, three years counted down to the day.

Is a technical inspection necessary in case of an accident?

According to recent changes made to the legislation, the driver is not required to carry a diagnostic card with him or confirm the passage of the technical inspection. It is only necessary when taking out insurance. The company that issues the MTPL policy, upon receipt of the documents, checks for the presence of a technical inspection and a correctly filled out diagnostic card. It must indicate all the vehicle data, including the frame number, make and model of the car, body number, year of production of the vehicle. After receiving insurance, the driver has every right not to carry the MOT confirmation with him. Therefore, in case of an accident, traffic police officers can only require the insurance policy and documents for the car. This is quite enough to fill out a report at the scene of the incident.

Drivers of commercial structures are required to carry an insurance policy:

Bus drivers.
Taxi.
Route taxis.
Heavy vehicles.

This group of persons is required to carry a technical inspection certificate with them. In its absence, a fine of 800 rubles is imposed. If the violation occurs repeatedly, the driver is prohibited from using the vehicle.

It is mandatory to undergo MOT, since without it it is impossible to obtain a policy from the insurance company, but carrying a document with you and presenting a technical inspection in case of an accident is not necessary for the majority of drivers. Such guarantee paper is valid insurance.

What are the consequences of lack of maintenance in case of an accident?

If at the time of the accident there is no technical inspection of the vehicle, then the driver may not have a policy in his hands. This is the key point. In the event of an accident, it is not important to have it on hand, but having insurance is a must. Fines for technical inspection have been cancelled, but penalties are provided for the lack of compulsory motor insurance. This is an administrative offense and the level of responsibility depends on some nuances:

No insurance - 800 rubles.
The policy is expired or issued with violations - 500 rubles.
If you don’t have the document with you - 500 rubles.

At first, this may seem like an insignificant amount, but in the event of an accident, when you need to compensate for damage and restore your car, it will be impressive.

Overdue inspection due to a traffic accident

According to recent changes in the law, a driver can drive without a technical inspection, as well as with an expired diagnostic card. This does not apply to drivers of freight and passenger transport. In this case, a document confirming the inspection must be presented upon request of the state inspector.

Traffic police officers now do not have the right to check this ticket for other drivers, even if the driver was involved in an accident.

An overdue technical inspection in case of an accident does not serve as a basis for punishing or recognizing the driver as the culprit of the accident. But at the same time, overdue maintenance can serve as the basis for larger problems than a simple fine. Problems may arise when receiving insurance payments and depend on whether you are the culprit of the accident or the victim. It will be harder for the culprits, since the insurance company may refuse to pay under the policy and will have to go to court for a long time and prove their case. From a legal point of view, you must pay for compulsory motor liability insurance, but difficulties may well arise.

Maintenance and payments for the culprit of an accident under compulsory motor liability insurance

Many drivers now carry out a technical inspection only in order to obtain a compulsory motor liability insurance policy. If you get into an accident with an expired diagnostic ticket, then the claims against the driver will not be with the traffic police, but with the insurance company.

The culprit of an accident with an overdue technical inspection will have to pay for the repair of someone else’s car.

You can only get insurance if the damage is minor. In the event that the owner of the vehicle does not have maintenance and undergoes a mandatory inspection every six months, he will be denied payments under the policy. For other categories the situation is not so significant in complexity.

Lack of technical inspection and insurance payments to the victim (MTPL and CASCO)

After an accident, the question arises about insurance payments. If the owner does not have a diagnostic certificate or it is expired, then the question may arise as to whether insurance payments will be made.

Art. 14 of the Federal Law “On compulsory civil liability insurance for vehicle owners”, in the absence of technical inspection at the time of the accident, regressive payments may be applied to the car owner. But this is only allowed if the vehicle must undergo maintenance once every six months.

For all other cars, according to the law, payments are made regardless of the presence or absence of technical inspection. The diagnostic card is not at all included in the list of documents that the owner must present to insurers to pay for damages in accordance with clause 44 of the Rules for motor third party liability insurance dated 05/07/2003. If the insurance company refuses to pay for insurance with a valid policy, then you need to complain and defend your rights. For this there are the following authorities:

Management of the organization. Perhaps the administration will change the decision of the incompetent employee. You can complain in writing or orally. In most cases, this treatment is quite enough to solve the problem.
All-Russian Union of Auto Insurers. This is the very first instance. The Union exercises control over insurance companies. Complaint in free written form.
Rospotrebnadzor. In this situation, you are a consumer of services, and therefore, if your rights are violated, contacting this organization is simply necessary. The statement is written in free form with a detailed description of the situation.
Prosecutor's office. Considers cases when the company does not fulfill its obligations.
Court. The statement of claim must be correctly drawn up. To do this, you should contact an experienced lawyer, since the insurance company in any case has a professional for such cases.

In any case, it is necessary to defend your rights and prove that valid insurance, even if there is an overdue technical inspection in case of an accident, is the basis for payments from the insurance company.

The most important thing that the driver must remember is that now it is only necessary to present a vehicle inspection ticket when applying for an insurance policy. According to clause 2.1.1 of the Traffic Regulations, a technical inspection is not a mandatory document. A traffic police officer does not have the right to demand it in case of an accident.

But when applying for an MTPL or CASCO policy, you must have a valid technical inspection sheet on hand. At the same time valid and with reliable information. As for the timing, it doesn’t matter how long the diagnostic card is valid. Even if it ends in three days, you should be issued an MTPL policy.

To avoid unnecessary problems with payments and not have to sue the insurance company, experts still recommend, even with a valid MTPL policy, not to allow an overdue technical inspection. The best option is to pass the inspection before it expires. First of all, it is the safety of you and surrounding road users.

In order not to end up with a fake card, according to which the motorist will not be issued an MTPL policy, you need to pay attention to the service station where you are going to inspect the car. The owner should be interested in the following points:

Low maintenance costs. This is the first sign of an unregistered inspection station.
Be sure to check accreditation. It must contain a number that consists of 21 digits.

You should not pay attention to such stations, since paying for a false or counterfeit technical inspection will not allow you to obtain insurance, and without this document the driver cannot be a road user.

Road safety depends on all participants complying with the rules and laws. Having a technical inspection guarantees the safety of your car for others. Insurers will not take responsibility for issuing a policy without a diagnostic card. But at the same time, according to the latest changes, the traffic police cannot require the owner of the car to have a technical inspection in case of an accident, much less fine for the absence.

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:

Go to the insurer's website.
Complete registration.
Log in to your Personal Account.
Select the insurance that is expiring.
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:

The car owner lost the diagnostic card.
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:

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.
The age of the car is from three to seven years. You need to check your car every two years.
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:

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.
Three years have not passed since the car was released. The exception is when the car is used as a taxi.
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:

First, they offer to issue a new MTPL policy and hand over a blank diagnostic card.
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.
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:

The purpose of the trip is to conduct an initial or repeated inspection.
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.

The technical inspection is over, but there is no insurance: is it possible to drive?

Since 2012, on the territory of the Russian Federation, the standard vehicle technical control ticket has been replaced by a diagnostic card, and traffic police inspectors now have no right to collect fines from drivers if they do not have a technical inspection. Car owners have the right to drive without a diagnostic inspection card if they have insurance. But changes in legislation do not exempt them from mandatory periodic maintenance. Moreover, when applying for compulsory motor liability insurance, the car owner will have to present this document.

What is a diagnostic card

A diagnostic card is a document issued to the car owner along with a maintenance coupon. On an A4 form, the table indicates information about the results of checking the actual condition of the units, components and spare parts of the vehicle, namely:

brakes;
light;
windshield washers and wipers;
car engine;
steering system;
signaling.

In addition to the list of components undergoing testing, the following information is entered into the table on the form:

Car owner details.
General description of transport (model, color, category, state number).
Technical passport data (number, series, who issued the document).
Information about the actual condition of the car (mileage, make and condition of tires).
Date of subsequent maintenance.
Data on vehicle registration with the State Traffic Safety Inspectorate.
A stamp confirming the authenticity of the maintenance document.

After checking the technical condition of the car, one copy of the card is issued to the driver. The second form remains with the institution that performed the maintenance. The electronic version is created in the unified technical inspection information system.

Current regulatory framework

The rules for obtaining and conditions for using a coupon for diagnosing the technical condition of a car are described in the law of the Russian Federation “On technical inspection of vehicles and on amendments to certain legislative acts of the Russian Federation.” The regulatory framework clarifies when it is necessary for the driver to have this document (obtaining an insurance policy).

If a car is stopped, the traffic police inspector does not have the right to demand the presentation of a diagnostic card or technical certificate. This rule is regulated by the Traffic Regulations: in paragraph 2.1.1, the driver of the vehicle is required to show during the inspection only the motor vehicle liability policy, his driver’s license and the PTS or STS.

Recommended inspection frequency

The period of technical inspection (frequency of diagnostics) is regulated by law. New models of transport, such as cars under three years old, do not require maintenance. Owners of other cars need to undergo an inspection of technical parameters according to the following scheme:

Cars 3-7 years old are checked every 2 years.
Transport, over seven years - once a year.
Trucks, buses from 8 passenger seats, taxis - every 6 months.

Special equipment equipped with signaling devices undergoes maintenance annually. The cost of obtaining a maintenance ticket depends on the company conducting the inspection, as well as the specifics of the diagnostic procedure. The price ranges from 500 to 5000 rubles.

What happens if there is no diagnostic card

Driving a car whose MOT has expired is not illegal. A diagnostic card is required:

To obtain an insurance policy. It is impossible to issue an MTPL diagnostic certificate with an expired certificate. But you can get the policy on the last day of validity of the DC.
When the insurance company compensates for damage incurred during an accident.

If at the time of the accident the driver does not have papers confirming the inspection for serviceability, then he will bear all the costs of repairing the damaged car.

If the vehicle diagnostic card is stitched

Delays in the diagnostic inspection of a vehicle with a valid insurance policy are not a reason for fines. Despite the legality of driving a vehicle, problems arise for the driver when he gets into an accident.

The MTPL rules state that the insurance company has the right to refuse to pay the insurance amount.

Does the lack of technical inspection affect the payment of compensation for compulsory motor liability insurance in case of an accident?

Official papers confirming the timely completion of an inspection of the state of serviceability of the machine's mechanisms are not required to be presented to a representative of the insurance company. But it may be required along with insurance from the person at fault for the accident. The presence of a CD confirms the serviceability of the car, and its owner increases the chances of receiving insurance payments.

If the driver regularly transports people, large, or specific cargo, the lack of maintenance is the basis for the insurer to put forward a counterclaim - compensation by the culprit of the accident to the insurance company for the costs of paying the victims.

If the car is used for personal purposes, its owner does not have to worry about the fact that the validity period of the MOT expires. He needs documented maintenance to obtain a compulsory motor liability insurance policy. A car used for transporting passengers or cargo, if it has valid insurance, has failed technical inspection and becomes a serious obstacle when processing insurance payments during an accident.

Learn more about when you need a diagnostic card for MTPL. Is there any difference with a vehicle inspection ticket?

A technical inspection is an integral part of insurance.

Having passed it, the operator allows your car to be used, thereby confirming that it has the appropriate technical condition.

Why do you need a vehicle diagnostic card and how does it differ from a vehicle inspection ticket?

In what situations is this document required and in what situations is it not?

We will try to answer these and other questions in our article today.

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What is a diagnostic card?

First of all, a vehicle diagnostic inspection card is an official document, it is issued to the driver, this document is issued not in the name of the owner, but specifically in the name of the vehicle, after the vehicle has been diagnosed.

This document is drawn up on a special A4 format. The form of such a document contains all the information about the work carried out as part of the inspection of the technical condition of the vehicle.

Is it any different from an inspection ticket?

No, these two documents are analogues, the name has simply changed and today both of these documents are valid. Only now inspection tickets are no longer issued; instead, after a diagnostic inspection of the car, you will be given a diagnostic card.

Why do you need a diagnostic card for MTPL? Today, a confirming document confirming that you have passed a technical inspection of a vehicle is a diagnostic card . The vehicle diagnostic card contains all the data on all components of the car that were checked during the technical inspection (how to successfully pass the technical inspection and receive a diagnostic card without any problems?).

In addition, such a card contains the opinion of the expert who conducted this inspection as to whether your car meets the safety requirements or not. This card indicates the period during which it is valid and before the expiration of this period, the car owner must undergo this procedure again. We talked in detail about where and how you can get a diagnostic card in this material.

Do I need to present it for compulsory motor liability insurance?

Federal Law No. 170 dated July 1, 2011 states in what cases this document is necessary, and when you can do without it. To conclude a car title agreement, this document is required for cars that are more than three years old.

Upon receipt online

When do you need a diagnostic card for compulsory motor liability insurance? For example, if you need to issue a motor vehicle policy in electronic format, you must have on hand all the same documents as for issuing a policy on paper:

Passport of a citizen of the Russian Federation or the document that replaces it.
The passport of the person who receives car insurance if he does not own the car.
Your car's passport or registration certificate.
Driver's licenses of all persons who will drive this vehicle.
Diagnostic card for the car.

As you understand, you will need a document confirming that you have undergone maintenance in order to purchase both a motor vehicle license agreement on paper and to draw up such an agreement online (is it possible to issue a policy without maintenance?).

Why is the document needed?

It is best if the driver has both of these documents in his hands. Because in the event of an accident, the insurance company will no longer be able to recognize the case as a recourse due to a car malfunction.

When is it not necessary to provide?

The first thing to understand is that maintenance is generally necessary . After the cancellation of the state technical inspection, it is the insurance companies that must now verify its completion. Now, when drawing up a car title agreement, you are simply obliged to present a diagnostic card for your car.

The insurance company can also check the availability of your vehicle using the unified EAISTO database, which they gained access to last year and are now required to check against it. This is very convenient especially for those who purchased their car second-hand, because now you can insure your car even without having a diagnostic card in hand, because the database will show whether this car has passed inspection or not.

For cars under three years old there is no need to undergo maintenance at all. We talked about this here.

But many drivers mistakenly believe that they have the right not to issue a diagnostic card until the car is three years old, i.e. a period of three years will pass from the date indicated in the car’s passport.

But the Investigative Committee has a different opinion on this matter and they interpret this requirement in their own way, and they do not require a diagnostic card only for cars that were produced this year, last year and the year before.

Responsibility of drivers who do not have paper available

Article 14 of the Federal Law No. 40 on compulsory motor liability insurance dated April 25, 2002 states that the insurance company has the right to make recourse claims against the culprit of the accident in the amount of the compensation amounts that were paid by the insurance company to those who are victims of this accident, if at the time when it occurred The person at fault in the accident did not have a valid vehicle diagnostic card.

By the way, the insurance company may also apply for recourse for the amount that was paid to the victim and to the specialist who carried out the diagnostics of this car and issued a diagnostic card, which contained information that there were no technical problems in the car, and that the accident, in turn, occurred due to a malfunction of the car, and such a malfunction was detected during car diagnostics, but the specialist did not enter data about it into the diagnostic card.

The law provides that the insurance company has every right to refuse to pay damages to the victim if at the time of the accident the diagnostic card of the person responsible for the incident has already ceased to be valid.

But here the following nuances should be noted. To apply for an MTPL policy, you need to present a maintenance coupon or diagnostic card to the insurance company, since this is one of the required documents when concluding this transaction. But if the validity period of the diagnostic card is less than the validity period of the policy, then the insurance company has every right to refuse to issue you such a contract.

In the event that the diagnostic card is lost or damaged, you can obtain a duplicate of it from any maintenance operator based on the information contained in the EAISTO database, and they will give you this duplicate on the day of your application. But for such a duplicate of your diagnostic card you will have to pay a state fee, which is 300 rubles.

There is no need to carry a diagnostic card with you, the law does not require this and there is also no need to present this document to traffic police officers. You will only need this document to purchase a car insurance policy. A car diagnostic card, in accordance with international treaties, confirms the right to operate a given car not only in Russia, but also abroad.

Of course, we all understand that you simply need this document to conclude an auto liability insurance contract, with the exception of cars that are less than three years old, but you should also understand that passing a technical inspection is an important procedure for you too, because driving a faulty car means creating a potential threat, not only to other road users, but also to yourself.