Is it possible to make corrections to the OSAGO policy?

How to correctly correct a mistake made in a compulsory motor liability insurance policy when applying via the Internet and in the company’s office?

Errors in the MTPL policy are possible both when issuing an insurance document at the company’s office and when issuing it via the Internet. When filling out a document manually or typing it on a computer, insurers may accidentally spoil it.

Citizens who draw up an electronic document are also not immune from the appearance of inaccurate data in the document. There are a number of common mistakes that you should pay attention to.

What are the errors in the OSAGO policy?

When filling out at the company office:

1. The document is filled with different inks or several handwritings . The policy must be completed by one employee and one pen. If the ink runs out, a new contract is drawn up.
2. Spelling, grammatical and punctuation errors.
3. Typos in first name, last name, passport data , etc.

When registering online:

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1. Discrepancy between the information specified by the policyholder and the information in the RSA database.
2. Lack of information about a citizen in the RSA database.
3. Incorrect amount of insurance premium , which is paid by the client for processing the document.
4. Spelling, grammatical and punctuation errors.
5. Typos in first name, last name, passport data , etc.

What happens if you don't correct the error?

If the information in the policy and the policyholder's documents does not match, this may be considered fraud. A citizen risks falling under Article 327 of the Criminal Code of the Russian Federation “Forgery, production or sale of counterfeit documents, state awards, stamps, seals, forms” and under Article 159 of the Criminal Code of the Russian Federation “Fraud”. This will entail an administrative fine or criminal liability.

According to the Federal Law “On Compulsory Civil Liability Insurance of Vehicle Owners,” an insurance company does not have the right to refuse payments to a client if an inaccuracy is found in his insurance policy.

However, Article 14 provides the insurer with the right of recourse against the person who caused the harm if the policyholder, when concluding a compulsory insurance contract in the form of an electronic document, provided the insurer with false information, which led to an unreasonable reduction in the amount of the insurance premium.

How to correct an inaccuracy: algorithm of actions

In 2008, RSA developed “Methodological manual for training employees of insurance organizations” No. 6. It contains rules on how to correct incorrect information in an insurance policy. Clause 4.1. states that the basis for making corrections to the policy form is “the identification of errors (typos) made when drawing up the policy.”

At the company office

According to clause 4.2, when correcting errors, for example, if there is a typo in the client’s last name or the insurance premium is incorrectly calculated, the insurer must correctly complete the correction. To do this you need:

1. Cross out incorrectly entered data.
2. Please provide correct information next to or above..
3. In the “Special notes” field write “Trust the corrected”.
4. Indicate the date of changes.
5. Apply your personal signature and organization seal.

After this, the policy with the corrections made is returned to the client, and a copy of the document with the corrections remains with the insurer.

Internal rules of insurance companies for making changes may differ from the guidelines.

Via the Internet in your personal account

The likelihood of inaccurate data in the electronic policy is minimal, since the system will not allow issuing such a policy. But if an error is still detected, the client needs to:

1. Contact the insurance company office.
2. Submit a written application including : the legal name of the insurance company; Full name of the policyholder; data that needs to be corrected; a list of documents that are submitted along with the application; date of application; signature of the policyholder.
3. Provide a mandatory package of documents : original and copies of the policyholder’s passport and driver’s license. In some cases, a notarized power of attorney and a document authorizing changes to the policy may be required.
4. Get a new policy.

A typo or, for example, the absence of a letter in the policyholder’s last name can be corrected in your personal account. This requires:

1. Go to the official website of the insurance company.
2. In the “Make Changes” tab, correct the error..
3. Receive a new form of insurance document after checking the data by the system.

If you discover an error in the contract, it is recommended to immediately contact the insurance company. The insurer is obliged to make corrections to the policy on the same day. Within 5 working days, amendments are made to the company database.

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How can I correct an error in an electronic OSAGO policy?

Recently, OSAGO insurance policies have been sold in real time. The new product is called electronic OSAGO. All responsibility for the correctness of the information provided lies with the insurer. Let's look at how to correct an error in an electronic MTPL policy and what problems the policyholder may encounter.

Main types of errors in an electronic policy

Since 2015, motorists have been able to save their time and buy protection remotely. Experienced experts recommend taking a responsible approach to the registration procedure and checking the correctness of the information provided.

Let's look at what mistakes policyholders usually make:

Drivers often make mistakes and incorrectly indicate the vehicle identification number. It is also worth noting that in many companies it is not possible to choose the right car model. In this case, the client has to indicate any option in order to receive the contract form.

In this case, motorists may make mistakes in their personal data. In this case, you should not count on the annual discount that is due to every break-even client. In addition to personal data, policyholders very often incorrectly indicate their driver’s license number.

There are also errors in personal data. It is worth noting that this is an error solely due to inattention.

What problems could there be from an error?

Very often, drivers are afraid that if there is a technical error in the MTPL policy, the insurance company may refuse to pay compensation. In fact, this is false information.

According to the unified 40 Federal Law “On Compulsory Motor Liability Insurance”, the insurer is obliged to transfer funds to the victim, even if the insurance policy contains inaccuracies in the data. In this case, it does not matter at all how the motor vehicle liability form was purchased.

Attention! If you misspelled a number or letter, the insurance company cannot refuse payment. Otherwise, you should receive an official refusal and go to court.

However, if, when filling out an electronic contract, you deliberately underestimated the power or indicated your regional registration in order to save money, then you will not be able to avoid liability. In this case, the organization:

• refuses payment;
• can prepare a statement to the police against the policyholder, in fact fraud.

In this case, no one will figure out whether false information was provided intentionally or through negligence.

There may also be problems with the traffic police officer. According to the law, employees verify the data in the policy with the original documents. If discrepancies are identified, a fine may be issued. Of course, you can always try to appeal it, but this will involve additional expenses and time. As practice shows, the amount of the fine does not exceed 500 rubles.

What to do if you find an error

If an error is found in the electronic MTPL policy, it should be corrected immediately. You can make changes:

• At the office of the insurance company. Only the policyholder or another citizen can make changes if they have a notarized power of attorney.
• On one's own. Not all companies offer to make changes in the client’s personal account. If this is possible, we will consider below how to do this.

Important! All technical changes are made completely free of charge. If a specialist asks for an additional payment at the insurer's office, you must formally request a receipt indicating the name of the payment.

How to fix an error in E-OSAGO: step-by-step instructions

As mentioned above, there are two ways to fix the error. Let's look at how to correct previously made shortcomings in an electronic MTPL policy.

Office fixes

This is the most common procedure for making changes. The client needs to follow a few simple steps:

1) Visit the insurer's office

An error in an MTPL insurance policy can only be corrected at the central office of the insurer. There is no need to contact a broker in the salon or an insurance agent.

2) Write a statement

All changes are made only upon application. The document is drawn up in free form addressed to the manager. The application form should include:

• full name of the financial company;
• personal and passport data;
• telephone for communication;
• the essence of the appeal, namely what inaccuracy is in the compulsory insurance contract;
• package of documents attached to the application;
• date and signature.

In large companies, the application is filled out by a company specialist and given to the client for signature.

3) Present documents

You must have a standard package of documents with you:

• personal passport of the policyholder;
• vehicle document;
• driver license;
• contract form.

If it is not the policyholder who contacts the office of the financial company, then you must additionally present a notarized power of attorney.

4) Make an additional payment

If there was an error in the electronic OSAGO policy related to the owner’s registration, you will have to make an additional payment. The contribution amount is generated automatically.

5) Get the form

After all changes have been made, the insurance representative will print the policy on OSAGO letterhead.

Corrections via your personal account

Some companies offer to correct errors in OSAGO online. To do this you should:

1) Visit your personal account

To enter the client’s personal account, use the login and password received during registration.

2) Make changes

In the client’s personal account, select “make changes”. Next, you should fill out an electronic application, indicating what needs to be corrected in the compulsory insurance policy.

3) Wait for verification

After making changes, the contract form should be sent for verification and registration on the RSA portal. In practice, this procedure takes no more than 15 minutes. A longer time will be required if the bonus-malus (CBM) must be corrected under compulsory motor liability insurance.

If necessary, make an additional payment, which will appear on the screen. You can deposit funds from a bank card.

5) Print the contract

The registered form can be printed in the client’s personal account or requested to the email address specified during registration.

To summarize, it can be noted that all errors made in the electronic form must be corrected in a timely manner. Otherwise, the driver may have problems in the form of a fine. As for payment, the company can refuse only if there was fraud during registration.

If you made a mistake when drawing up an electronic contract, we invite you to share your experience and tell all readers of our portal:

• what shortcomings were in the policy;
• Which company did you buy the auto liability form from?
• how to make changes;
• whether the insurer asked to pay extra;
• what difficulties have you encountered?

To share your experience, you should write a request in the “Add a comment” section.

For all readers, there is a consultant on our portal who will answer any question in real time.

We will be grateful if you like it after reading the article.

You will also be interested to know about MTPL fraud.

What to do if there is an error in the MTPL policy, and how to correct it?

It is not uncommon for insurers to make mistakes when filling out a civil liability insurance contract form. It's all about the human factor.

And when applying for e-OSAG, no one is insured against erroneously entered data. In our article today we will look at the question of what an insurance error is and how to correct it.

Dear readers! Our articles talk about typical ways to resolve legal issues, but each case is unique.

If you want to find out how to solve your particular problem, please use the online consultant form on the right or call +7 (499) 938-40-67. It's fast and free!

What is it and what could it be?

An insurance company employee may make a mistake in the insurance document due to inattention, fatigue, etc. As a result, a car driver who has not checked his vehicle license can get into a lot of trouble.

What incorrect data may the contract contain?:

1. Make sure that your insurance form is filled out in the same shade of ink. There may be a situation when the auto insurance card is almost full, and the insurance agent runs out of ink in his pen and it is not possible to choose the same shade of ink. In this case, the insurance agent is required to fill out a new policy.
2. Filling out insurance with pens with different inks is not allowed.
3. Your insurance must be completed in one hand. It is not allowed to fill out a civil liability agreement in several different handwritings.
4. If, when filling out the policy, an insurance company employee made a mistake and crossed it out, then the agent should properly formalize his correction.

In total, the contract must be filled out by one insurance agent, in the same shade of ink, and there should be no errors in it. However, non-critical corrections in the form are acceptable, but they must be properly completed.

The policyholder is also obliged to ensure that the insurer fills out the contract with his documents. Before signing the contract, the policyholder should carefully check the correctness of the data entered in the form.

Incorrect data also occurs in electronic policies, even though the system will not allow the contract to be processed if incorrect information is entered.

The most common mistakes when filling out electronic policies are:

• Discrepancy between the information entered by the user and the information contained in the RSA database.
• Lack of information about the policyholder in the RSA database.

Reasons for appearance

If in a paper compulsory insurance policy for car drivers, incorrect information appears due to the inattention of both insurers and policyholders, then in the case of issuing an electronic version of compulsory motor liability insurance, things are a little different.

Often a situation arises when, in the process of entering information, the system generates an error and the conclusion of an agreement becomes impossible. It happens that such problems with data entry are created deliberately in order to discourage the driver from completing this agreement via the Internet. But there are situations when the user himself made a typo by entering incorrect data.

If even one mistake is made, the system will refuse to issue the contract. In order to find out where you made a mistake when entering information, you should go to the website of the selected insurance company with a note about the problem. For example, in Rosgosstrakh, information entered by the user incorrectly is highlighted in a separate color , while for others the insurance system can be displayed in the form of a list.

After errors in the information entered by the user have been corrected, he can try to conclude an agreement again.

What to do if admitted?

Policyholders should know that RSA has developed a special methodological manual that sets out the rules governing the introduction of corrections of incorrect data in a car insurance contract.

According to clause 4.1 of this manual, the basis for making corrections to the policy form is the presence in this form of typos and errors that were made during the preparation of this document. Insurance organizations consider errors in the contract form to be the discrepancy between the information contained in the documents and the information included in the policy form.

In addition, an incorrectly calculated insurance premium, which was paid by the policyholder for the execution of this contract, is considered an error. What should a car insurer do if typos or inaccurate data were found in his contract form?

The methodological manual contains paragraph 4.2, which contains an algorithm according to which insurers can make amendments to the contract concluded with an insurance company client.

According to this paragraph, the insurer must cross out the data entered incorrectly into the OSAGO form and write down the correct data either next to it or on top. Next, in the “Special Notes” field, the insurance agent must enter the entry “Corrected Believe” , after which the date of the changes is entered, the employee’s personal signature and the organization’s seal are affixed.

Corrections are made to the policy in which errors were made and in the “Special notes” field of the new policy form, which is issued to the policyholder. Purely theoretically, unreliable data cannot be found in insurance policies issued online, since the system will not allow such a policy to be issued. But in practice, there are still electronic contracts with erroneous data.

In this case, the policyholder should contact the office of his insurance company. The client at the insurance company office will have to write a corresponding application for making corrections to the electronic policy.

It happens that the electronic document contains only a minor error, for example, a letter is missing in the client’s last name. In this case, you should go to the IC website and go to the “Make changes” tab. In the window that opens, you must enter the correct information. After the system has verified your data, you will receive a new policy form by email. The client does not need to pay extra for this service . You can find more information on how to make changes to your MTPL policy in the office or online in this article.

How to fix?

In order to make corrections to the auto liability policy form, the client should contact his insurance company. The client will have to write an application to the insurance company to amend the policy form.

The application must indicate typographical errors and incorrect information that were made while filling out the contract form. Next, the insurance company will be obliged to accept this application from the client and make appropriate amendments to his contract form.

Considering that corrections in the auto liability policy are not permissible, then first the insurance company employee must make the appropriate corrections to the policy form with erroneous data, and then fill out a new insurance policy and issue it to the client. The old policy with amendments remains in the insurance company . You can find more information about the rules for replacing an MTPL policy in this material.

If errors were made in the electronic policy, then after accepting the corresponding application from the client, an employee of the insurance organization must make corrections to the electronic document of compulsory insurance, after which a new electronic form is sent to the policyholder’s email.

In addition, within 5 working days, insurance company employees are required to make corrections to their database , information from which, after the expiration of the insurance contract, is sent to the RSA.

Deadlines and costs

Corrections to the form must be made by the insurer on the day the client contacts the insurance company. The insurer has no right to demand any additional payment for making corrections to the form of both the electronic version of the compulsory motor liability insurance policy and the paper form of the policy.

The policyholder must understand that a typo in the liability insurance policy can lead to unpleasant consequences . That is why you should always carefully check the information that was included in your document when drawing up an agreement with an insurance company.

If an error in your contract was discovered after it began to be valid, then you should not delay and contact your insurance company in a timely manner, especially since you will not have to pay to correct the data in your insurance.

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Step-by-step instructions on how to correct an error in your MTPL policy. Features, timing and costs of the procedure

Errors may be made when filling out the insurance contract. The reason is simple inattention, fatigue or haste of the agent. But you shouldn’t miss the possibility of a system failure.

A car enthusiast who does not check his insurance in time finds himself in a lot of unpleasant situations. In order to avoid a series of problems, it is urgently necessary to reissue the document.

The reasons for erroneous entries and detailed instructions for correction will be discussed in this article.

Dear readers! Our articles talk about typical ways to resolve legal issues, but each case is unique.

If you want to find out how to solve your particular problem, please use the online consultant form on the right or call +7 (499) 703-38-65. It's fast and free!

What inaccuracies could there be?

It may happen that the employee filling out the form is tired or simply inattentive. Then it is quite possible that a mistake will be made. As a result, the client will receive an incorrectly compiled document. Errors in the MTPL policy may be the following:

1. Use different colors of ink. If you run out of paste while filling out the certificate, you should replace the form with a new one rather than selecting a suitable shade of ink.
2. Different handwriting. It is necessary that the entire document be completed by one specialist.
3. Correction of inaccuracies by crossing out. However, small blots are acceptable.

The finished document must be checked for compliance with information about the insured person from his official documents. If there are errors, it is not advisable to sign the contract until they are completely eliminated.

Reasons for the appearance of erroneous entries

If we consider the traditional procedure for filling out a certificate on paper, then the cause of errors is often the inattention of insurance company employees. When issuing a document electronically, other circumstances apply:

1. The system may intentionally generate an error, although all user actions were correct. The purpose of such an operation is to block the conclusion of an agreement so that the client applies for the service directly to the office.
2. If the applicant enters the data incorrectly, it will not be possible to register the policy: the system will not pass the document. The way out of this situation is as follows. You need to go to the insurance company’s website and see where the mistake was made. Having corrected the inaccuracies, you can count on concluding a contract.

What to do if there is an inaccuracy?

There is a special manual that sets out the rules for making corrections to the MTPL policy. According to the manual, if errors and/or typos were made during the policy registration process, corrections should be made.

The main mistake is the discrepancy between the information entered in the form and the data about the insured person contained in official documents. If the amount of the insurance premium is incorrectly indicated, the document is considered irrelevant. If such inaccuracies are detected, an insurance company employee must take the following measures:

1. Cross out incorrect data. Please indicate the correct option next to or above.
2. In the special “Special Notes” field, write “Believe Corrected”, put the date, personal signature and seal.
3. Make sure that corrections are made both to the erroneous policy and to the “Special notes” field of the new form issued to the client.

Theoretically, there should be no errors when registering compulsory motor liability insurance online, since the system simply will not skip an incorrect document. In practice, typos are also found in electronic contracts. In such a situation, the policyholder must contact the office of his company to write an application for changes to the electronic policy.

The client can independently adjust the electronic policy. You need to go to the insurance company’s website and indicate the correct spelling in the “Make changes” tab. After verification, a new form will be emailed to the applicant. This service does not require additional payment.

Detailed instructions on how to fix it

To make corrections to the policy form, you should contact the insurance company to write a statement about the need for amendments, indicating typos and/or incorrect information recorded in the document. The insurer is obliged to accept such a statement and take appropriate measures.

Read more:  At what distance does the camera record a violation?

According to the methodological manual, corrections in the certificate are unacceptable. Therefore, first the document with errors is corrected, and then a new policy is filled out and handed over to the applicant. The old copy remains with the company.

In a situation where errors were made when applying for a policy online, you should submit a statement to the insurer. In this case, the IC employee independently makes changes to the document online. The new form is sent to the client by email. It is important that corrections are made to the insurance company’s database within 5 business days, so that in the future, up-to-date information will be sent to RSA.

• Download the application form for correcting an error in the MTPL policy
• Download a sample application for correction of an error in the MTPL policy

Deadlines and costs

All corrections to the MTPL policy must be made by an employee of the insurance company on the day of application. This service does not imply payment, since the responsibility for eliminating errors in the document lies entirely with the insurer. Entering incorrect data into the contract leads to unpleasant consequences, so you should very carefully check the information specified in the policy.

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Error in OSAGO policy - how to fix it?

Content:

Applying for insurance is a responsible procedure, so when entering information you should check the specified data several times. However, sometimes even the most attentive car owners make mistakes when purchasing OSAGO online. There are also errors in MTPL policies in cases where car insurance is issued at the insurer’s office.

Regardless of how the MTPL policy was purchased, if an error is discovered, it must be corrected. If the insurer for some reason refuses to correct the error or you need advice on other issues in the field of auto insurance, you can always turn to specialists for help.

Don't have time to read the article?

What errors are found in MTPL policies?

When applying for an MTPL policy, you need to indicate a fairly large amount of information: information about the car, the owner and the insured, data about drivers allowed to drive, etc. Of course, obtaining compulsory motor liability insurance cannot be called an incredibly complicated process, but a lot depends on attentiveness. The most common errors encountered are:

• incorrect information about the car (make, number, power, etc.);
• errors in the driver's license number (DR);
• errors in the surname of the policyholder or drivers.

It is now quite difficult to make a mistake, thanks to the development of modern technologies, since all the information that is entered when applying for compulsory motor liability insurance is cross-checked against a special database. If you incorrectly indicate the VU number, for example, the system simply will not allow you to complete the registration and print the policy. But, of course, checking against the database sometimes fails, so errors in compulsory motor liability insurance policies still occur.

Important! Correction of errors in insurance can only be done by the insurer (online or by an office employee). You cannot make changes to the policy yourself (such a policy will be considered invalid).

What to do if you find an error?

As we have already said, errors in the MTPL policy can arise both through the fault of the car owner himself, and as a result of incorrect information in the insurance by representatives of the insurance company (if the policy was issued in the traditional way, not online). If you notice that there is an error in your policy, the procedure for correcting it depends on how you purchased compulsory motor liability insurance - directly from the insurer or online.

When purchasing an MTPL policy at the office of an insurance company, you must immediately contact the same office to correct an error: if the insurer itself made any inaccuracies, it is he who will make the adjustments. The driver himself does not need to do anything.

Your task is to come to the office with all the documents, including the policy that needs to be corrected. The situation is different if the insurance was purchased via the Internet. An electronic MTPL policy can be corrected in two ways: through your personal account on the company’s website or by contacting the insurer’s office in person.

How to fix an error via the Internet?

If you have electronic MTPL insurance, a more convenient option for correcting an error is to make adjustments through your personal account. To do this you will need:

• log into your personal account on the website of your insurance company;
• find the policy in which you discovered an error;
• click on the “Make changes” button (depending on the insurer, its name may be different, but the meaning, in any case, is the same);
• select the section to which adjustments need to be made;
• provide correct information;
• wait for the policy to be checked against the database;
• print a new policy.

Please note that some drivers who buy insurance online believe that printing out the policy is not necessary. Indeed, traffic police officers cannot hold you accountable for the lack of a printout of e-MTPL, but it is still better to have a “paper” version with you.

Important! If for some reason you cannot make changes in your personal account (and this happens quite often), you need to contact the insurance company’s office. You can also call the hotline to solve the problem.

How to correct an error in electronic insurance at the insurance company office?

If you do not have the opportunity to correct your electronic insurance yourself, a visit to the insurance company’s office cannot be avoided. Moreover, to correct an error in the policy, you need to contact the company’s office, and not your insurance agent. As a rule, in order to eliminate an error in the MTPL policy, you need to write a statement. When visiting the office, you need to remember to take documents with you - an MTPL policy with an error, a passport, SRTS or PTS, as well as a driver's license.

New information is entered immediately upon application by the policyholder. In order to eliminate an error in the MTPL policy, an employee of the insurance company must cross out the incorrect information and indicate the correct data. A prerequisite is to enter in the “Special Notes” field of the policy the note “Corrected to believe”, as well as the date of making the adjustments. Also, the amended MTPL policy must contain the signature of the employee and the seal of the insurer.

Is it possible to receive payments if there is a technical typo in the policy?

The presence of an error in the policy should not become an obstacle to receiving payments in the event of an accident. If the insurance company refuses to compensate for the damage, the car owner has the right to file an application in court.

In addition, the detection of even a technical typo quite often becomes the reason that traffic police officers declare the policy invalid, and motorists have to spend a lot of time and effort to prove the opposite. If you have any inaccuracies in your policy, you should contact the insurance company immediately after discovering inaccurate information to make changes.

Will I have to pay to make changes?

Regardless of who made the mistake in compulsory motor liability insurance - the insurer or the car owner - all corrections should be made free of charge. And, of course, demands to re-pay for the policy or enter into a new contract are illegal. The exception is those cases when an error in the policy affects its cost (for example, the power of the car was underestimated). In such a situation, you will have to pay the difference.

Let's summarize. Depending on the type of your MTPL policy (regular or electronic), errors are corrected either through the insurance company’s office or via the Internet. The procedure itself is not very complicated, but sometimes car owners encounter various problems when interacting with the insurer. If you believe that the insurance company is violating your rights, we recommend that you seek professional help.