What to do if the OSAGO policy turns out to be fake

What to do if the MTPL policy turns out to be fake?

As of 2016, there were up to one million fake OSAGO policies in Russia. It is not surprising that such letters come to our editorial office; very often car owners themselves do not realize that they have purchased a “fake”.

Due to the increase in the number of counterfeit MTPL policies on the market, the Russian Union of Auto Insurers (RUA) lobbied for the introduction of new forms in the country - now they are not green, but pink. In addition, they have additional security features, which, as RSA assures, will nullify the attempts of attackers to forge a document. Can an ordinary person distinguish a normal policy from a fake one?

Fake OSAGO policy

Here it is worth saying that not only a policy printed anywhere but at Goznak is fake, but also one that was filled out incorrectly or with changes (therefore, the car owner first of all needs to carefully check the information entered in the form when purchasing compulsory motor liability insurance). In addition, a policy issued by an insurance company after its license to operate in the MTPL market has been revoked may fall into the category of fictitious ones. In this case, free forms should be canceled, but there are cases when they end up on the market. In this case, the car owner can be recommended the following: before buying a compulsory motor liability insurance policy, check whether the license issued to the insurance company to carry out compulsory motor liability insurance activities is valid. And at the same time, does the agent where you buy the policy have the right to work with her?

As a rule, there are no bores among our people. Drivers do not scrutinize the form to check its authenticity. But in vain. You can find many resources on the Internet that explain in detail: where you can check your MTPL policy and how to distinguish a fake policy from a real one.

“Fake” noticed in time

If you discovered that you purchased a “fake” before you ran into a traffic inspector or got into an accident, consider yourself lucky. You go to a trusted insurer and buy a new MTPL policy, after which you go to the police with a statement of fraud and the old policy as evidence. Law enforcement agencies will conduct the necessary checks and initiate a criminal case regarding fraudulent activities. Next, those responsible for distributing fake MTPL policies are searched for and punished. The main thing for you is that the culprit must reimburse you for the full cost of the policy sold.

Punishment for a fake OSAGO policy

If the traffic inspector who stopped you on the road has suspicions about the authenticity of the MTPL policy, if they (suspicions) are confirmed, measures will be taken to remove you from driving the vehicle, and the vehicle itself will be sent to an impound lot. Next, you will have a trial, following which law enforcement agencies will decide whether to impose administrative or criminal liability on you.

Even if it turns out that you “have no idea” that you were driving with a fake MTPL, you will probably have to pay a fine of 800 rubles (Article 12.37 of the Code of Administrative Offenses of the Russian Federation “Failure to comply with the requirements for compulsory civil liability insurance of vehicle owners”). But if it turns out that you deliberately used a fake document, in this case the Criminal Code of the Russian Federation comes into play. According to Article 327 of the Criminal Code of the Russian Federation, it provides for a fine of 80 thousand rubles, arrest for 6 months or correctional labor for 480 hours. Moreover, if the “linden” is opened when the policy owner applies to the insurance company for insurance compensation, in this case the fine can be increased to 120 thousand rubles (Article 159.5 of the Criminal Code of the Russian Federation).

Most often, a car owner finds out that he is driving with a fake MTPL policy after his car has been involved in an accident - at the stage of analysis by the traffic police, when drawing up an application to the insurance company, or after opening a case for payment of insurance compensation to him. Is it worth relying on it at all in this case?

Please note that two or more participants are involved in an accident and each of them must have a motor vehicle liability agreement. A situation may well arise in which your compulsory motor liability insurance policy is in order, but the person at fault for the accident turned out to have a fake one.

Your policy is fake

If you were injured in an accident, but your compulsory motor liability insurance is fake, in this case you also have the right to compensation. It's simple: OSAGO insures the civil liability of the at-fault participant in a car accident. It is important that the registration of the accident is carried out by the traffic police (the European protocol provides for the presence of compulsory motor liability insurance for both participants in the accident, but your compulsory motor liability insurance is “fake” - the insurance company will certainly refuse to pay you).

Another important circumstance: you cannot count on direct compensation for damage from your insurance (you are moving without a policy - remember?). You will have to contact the insurance company where the person at fault for the accident purchased the policy. This must be done quickly; otherwise, the insurer may “happily” deny you compensation due to failure to comply with accident reporting rules. It will not be difficult to contact the culprit: his details are indicated in the certificate of the accident issued by the traffic police. The documents that you must provide to the insurance company of the person responsible for the accident are a certificate of the accident, documents for the car, your license and the compulsory motor liability insurance policy of the person responsible for the accident.

The policy of the person responsible for the accident is fake

If neither the traffic police nor the insurance company has any complaints about your policy, and the MTPL policy of the person at fault for the accident turned out to be fake, in this case you will definitely be able to receive compensation only if you have CASCO insurance.

What if there is no CASCO? Contact the RSA with a statement - a requirement to confirm the legal validity of the compulsory motor liability insurance policy of the person responsible for the accident. If the answer is negative (the MTPL policy of the person responsible for the accident is fake), lawyers advise conducting an independent examination (to find out how much it will cost to repair your car), and after that making pre-trial claims against the person responsible for the accident - always in writing (by Russian Post with notification). It must be accompanied by fiscal receipts for payment of the examination, tow truck, treatment of victims and other expenses.

If within 10 days the person at fault for the accident does not respond to your letter, you should go to court demanding compensation for damages associated with car repairs, treatment of victims, related expenses, as well as expenses for a lawyer, legal costs, etc.

If RSA confirms the fact of fraud with MTPL policies, you can also write a statement to the police - this is if the culprit himself became a victim of fraud.

The insurance company issued the wrong policy

There is an option when you can demand payment for damages in an accident from the insurance company. This is if your OSAGO policy is real, but, for example, it turns out to have a double. In this case, you can insist that the insurance company pay you compensation. After all, the mistake was made through her fault (or through the fault of her agents, brokers).

If suddenly the insurance company refuses to pay you, based on the absence of your policy (you as its owner) in the insurance company’s database, you need to file a complaint with the RSA - but not by email, but by Russian Post - a valuable letter with notification. If this does not help, the next addressee will be the regulator of the insurance market in Russia - the Central Bank. The final authority is the court.

But if the policy really turned out to be fake (issued on a printed form; electronic MTPL does not count), in this case you can only sympathize. We also advise you to choose an insurance company or its agent more carefully.

How not to buy a fake OSAGO policy?

The auto insurance market attracts a lot of unscrupulous insurance agents and criminals. They offer drivers to purchase an MTPL policy at a price that is significantly less than what insurance organizations charge. Many car owners deliberately purchase a fake to save money, and some car owners unknowingly become victims of scammers.

The law provides for administrative or criminal liability for the production and use of a counterfeit OSAGO policy. Therefore, drivers should familiarize themselves with the consequences of using a fake.

What to do if the OSAGO policy turns out to be fake

First of all, after identifying signs of falsification of a car insurance policy, the car owner should refuse to use it.

If traffic police officers check the form and discover that it is fictitious, then the driver cannot avoid administrative liability.

If the owner of the car bought a fake, then it is worth notifying the insurer and RSA. If an invalid form was not sold to a citizen on purpose, then it will be exchanged for a legal OSAGO policy. RSA will conduct an inspection regarding the insurance company.

Next, the owner of the car is recommended to write a statement to the police. It is accompanied by a fake and a certificate from the union of auto insurers about the illegality of the form. The investigation into the circumstances of the offense can take up to 3 weeks.

If you need to use transport every day, then after discovering the illegality of the policy, it is recommended to purchase new car insurance from a large, reputable insurer.

Signs of fraud when purchasing a paper OSAGO policy

A fake form can be identified by the following signs:

Low quality paper. Fake forms are made from low-quality paper of insufficient density. Offenders strive to extract maximum income at the lowest cost.
There are no “RSA” watermarks on fake policies.
At the top of the original policy form there is the inscription: “Insurance policy for civil liability of vehicle owners.” The fake may say “owner” instead of “owners.”
A grid pattern is applied to the legal form for protection.
To increase the level of protection, a metallized strip is provided on the back of the form. Fraudsters do not have the technology to apply such elements.
Thread-like short stripes are applied throughout the original form. Similar elements are present on banknotes. Fake auto insurance policies do not have this protection.
The details of the form (number and series) on a legal policy are voluminous. The signs can be felt with your fingers. For the production of fake car insurance policies, low-quality paint is used, which can leave marks on the hands, and the numbers cannot be felt.
To identify a fake, you should inspect the form. There should be no color differences. All characters must be the same size. The OSAGO form must contain 2 original seals: one in the upper left part of the policy, the other next to the signature of the head of the insurance organization.

Signs of fraud when purchasing eOSAGO

To avoid falling into the hands of scammers, you need to follow certain tips:

Before you start applying for an MTPL policy online, you should visit the official RSA website. In the block “Members of the RSA who issue electronic policies” the user will be able to see a list of official insurers engaged in the sale of eOSAGO forms.
To pay for an electronic document, you only need a bank card. If a resource requests a money transfer from a payment system, then this is a clear sign of fraud.
To purchase a policy, you will need to go through the registration procedure on the website and create a Personal Account. Without it, purchasing eOSAGO is impossible.
A message with an electronic policy form must be sent to the policyholder’s email from the official insurance website. In this case, the message must contain instructions for checking the electronic form for accuracy.
If a message with the policy and a notification from RSA are not received in the user’s email account, then you should call the insurance company.

A fake policy from another participant in an accident

In most situations, the counterfeit is discovered after the driver has been involved in an accident. In this case, there will be no insurance compensation. To receive monetary compensation, an injured participant in an accident will need:

Report the accident to the traffic police. Inspectorate employees will establish the fact of an administrative violation and record damage to vehicles. You cannot fill out the Europrotocol.
Use the services of an independent expert to assess the damage caused to transport and the costs of repair work.
Apply to the court with a claim for compensation for damage caused by the culprit of the accident.

The process will take a lot of time. But it is not recommended to start restoring the car using personal funds. Additional examinations and checks may be required. The initiator of the accident is responsible before the law and will compensate for the damage from personal savings.

If signs of counterfeiting are found in the injured party, the insurer of the injurer will compensate the damage to the injured party in the usual manner. But you should prepare for the fact that the police will become interested in purchasing counterfeit MTPL.

Where to complain about the insurance company

If the auto insurance form turns out to be legal, but invalid (that is, printed in a government agency, and its form corresponds to the established model), then it is enough to contact the insurer. To preserve the reputation of the deceived client, the auto insurance policy will be replaced. This will be more expedient for the insurance company than to insist on its position in court.

An employee who falsifies auto insurance forms and sells them will be subject to an internal investigation and will be fired. More serious consequences in the form of criminal penalties are also possible. Within a month after the defrauded policyholder’s appeal, the insurance company must formulate a response. In case of refusal, the injured citizen should send a complaint to the Central Bank, RSA, FSSN, Rospotrebnadzor to protect his right.

How to avoid purchasing an illegal MTPL policy

To avoid problems with law enforcement due to the use of fake documentation, it is enough to follow certain recommendations:

An agency agreement for the purchase of a car insurance form should be concluded with a major insurer at its official office.
Check the documentation authorizing the legal entity to provide insurance services to citizens. In most offices, licenses and other official documents are posted on an information stand.
Visit the websites of the RSA and the Central Bank of the Russian Federation to verify the authenticity of the auto insurance policy and the insurer's license.
Once the form is handed over, you should compare it with your previous auto insurance policy. Paper thickness, color, the presence of degrees of protection - all these indicators must match on both documents.

If the counterfeit is detected by the traffic police, the driver may face the following consequences:

a fine of 800 rubles;
fine up to 80 thousand rubles;
arrest up to 6 months;
correctional work up to 480 hours.

Most often, the driver is fined 800 rubles for driving a car without a car insurance policy. The counterfeit goods are confiscated by traffic police officers.

The car owner should begin checking the purchased auto insurance form during the period of the transaction or immediately after the purchase. To do this, you should use the RSA website. If the policyholder who bought the counterfeit does not detect it in time, then in the event of an accident the citizen will face significant financial losses and problems with law enforcement officers.

Fake OSAGO policy: where does it come from and what is the penalty for it?

Some time ago, the sale of counterfeit MTPL policies became widespread. Although at first I was scared to buy - what if they check it. – buyers were found.

Most of them had been using the fake paper successfully for a long time, and the excitement grew. Where do such documents come from, and what threatens those who bought them?

Reasons for the spread of counterfeits

If we talk about the reason why such policies have become in demand, everything is elementary - people are trying to save money . OSAGO is compulsory insurance, but few people want to pay for it, especially since in most cases it is not useful. Since the cost of purchasing such a policy has increased significantly, the question of how to save has become even more pressing.

Where do fake OSAGOs come from?

Their first source is forms left with insurance agents, as well as those stolen from the offices of insurance companies. They are sold as ready-made documents, in which you just need to enter the details of the new owner.

Since they have their own unique numbers, with a superficial check the policy will be valid. Problems will arise if insurance payment is required or someone decides to “punch through” the document in detail.

Also, at the moment, there are dozens of underground companies that produce such forms. Mostly they are foreign - from European to Chinese, but there are also Russian ones. These policies may be “completely fake”, which, upon a superficial check, will immediately turn out to be invalid. But more often there are others in which the real number is entered. For this purpose, combinations of numbers that have not yet been used from insurance company forms that have not yet been filled out are used.

What to do if the MTPL policy turns out to be fake?

When purchasing such papers, a citizen must be aware that he is breaking the law . This policy is purchased from insurance companies, which is a guarantee of authenticity.

However, situations occasionally arise when the owner of the document claims that he did not know about the counterfeit and believed that he was purchasing real insurance. Theoretically, this can happen in two cases :

Unknowingly, when a policy is sold through deception. If a person is not at all legally savvy and does not understand insurance issues, he may be forced to purchase such insurance.
In case of deception directly by the insurance agent. This is also a rare situation, but possible.

Many insurance companies have gone bankrupt in recent years. And in the period before the closure, chaos reigned in many of them. Rapidly leaving employees, staff reductions, non-payment of both insurance and wages... There were also those who tried to make money dishonestly.

A person who believes that he was fraudulently sold fake insurance should go to court. However, this only makes sense if the policy was purchased from some organization, or at least there are contacts of the seller and the ability to find him. In other cases, actions will be a pointless waste of time.

Having such a policy in hand, you should not count on payment. This sometimes happens, but only if the document was actually issued by the insurance company the client is contacting. When it is easier for an organization to pay money than to sue, it can accommodate. But not necessarily. Therefore, it is not worth taking risks and waiting for the moment when you need insurance.

Judicial practice on fake insurance

Such a purchase has no consequences... exactly until a situation occurs where payment under compulsory motor liability insurance is required. Then the owner will face a trial to find the culprit.

The stories of friends that the fake insurance was recognized, but the driver was found innocent, should not be taken into account. The reason is simple: judicial practice on fake compulsory motor liability insurance has changed a lot over the past couple of years.

If previously the responsibility was placed on insurance companies, now it is on the drivers. This doesn't always happen, but most of the time.

This is due to the fact that in the recent past, purchases of fake policies were most often the work of unscrupulous agents. Today this is a whole business put on stream, and the product is in demand among buyers.

How to distinguish a fake policy from a real one?

Nowadays they have learned to forge policies so well that it is usually not possible to distinguish them from real ones by eye. If the “fake” document is made poorly, then there is such a chance.

You need to pay attention to the following nuances :

The quality of the paper used. In particular, its low density should give rise to suspicion.
In fakes, the word “owners” in the title is often replaced with “owner”.
Presence of RSA watermark. A fake may not have it, or it may be of poor quality.

How to check the authenticity of documents?

To be completely sure of the authenticity of a document, it must be checked against databases. In particular, at RSA and at the insurance company itself, by contacting the main office. This is easy to do via the Internet.

There are often cases when the insurance company itself no longer exists and did not exist at the time the policy was issued. Simply invalid forms were used, or the organization’s license was revoked, and the client did not know about it. Therefore, checking the insurance company is the first important step.

What to do if you bought a fake electronic MTPL?

The best course of action when a violation is detected is as follows:

Buy a new, this time real, policy.
Then contact the police, reporting the company or person under Art. 159 of the Criminal Code of the Russian Federation “Fraud”.

In the application, indicate the requirement for the culprit to reimburse the cost of the policy .

It is advisable to act in exactly this sequence. This will eliminate the possibility that the driver himself will be suspected of breaking the law. He will not be accused of knowingly purchasing counterfeit insurance.

Responsibility for using counterfeit

During legal proceedings, each party is under the threat of conviction under the same Article 159 of the Criminal Code. Liability may also be imposed in accordance with Part 3 of Art. 327 CC.

This entails possible penalties from the following :

fines up to 120 thousand rubles;
arrest up to 4-6 months, depending on the article;
compulsory work up to 360-480 hours or correctional work up to 1-2 years.

Even if it turns out that the driver did not know about the falsification of the document, based on current judicial practice, he is unlikely to remain innocent. At a minimum, you will have to prove the guilt of the seller or company. Art. 12.37 of the Code of Administrative Offenses of the Russian Federation, regulating non-compliance with requirements when preparing insurance documents. The punishment for it is significantly less - a fine of 800 rubles .

What if the person at fault for the accident does not have real insurance?

If an accident has already occurred and it turns out that the culprit’s MTPL policy turned out to be fake, the victim should draw maximum attention to this fact. It doesn’t matter whether the issue is resolved through the courts or through agreements. In the first case, notify the judge ; in the second, notify the culprit himself. This will work equally effectively.

If you persistently prove that you are right, then there is an opportunity to compensate for the damage in full. More often this has to be done through the courts, since buyers of fake policies do not want to part with money, even if they themselves are at fault.

It should be remembered that the restoration of cars after an accident falls on the shoulders of the culprit. And without a real MTPL policy, it will be difficult for him to pay for repairs. When buying fake insurance, you should not forget that it does not provide anything other than immediate benefits.

Useful video

Here they tell you how to distinguish a genuine insurance policy from a fake one:

How to check MTPL insurance for authenticity and what to do if the policy turns out to be fake

Fake OSAGO policies have become quite common in Russia. Cases of fraud are very often discovered only after the person who bought the “fake” gets into an accident. Not only does he have to pay all financial expenses out of his own pocket, but he is also responsible for the forged document. Therefore, you need to take the purchase of a policy seriously so as not to become a victim of deception.

What do scammers use? What is not a guarantee of non-counterfeiting and why?

The insurance policy market has a multi-billion dollar annual turnover. Large sums always attract scammers. According to statistics, for every hundred policies there are 2-3 fakes. Sometimes people deliberately buy fakes to save money. But in most cases, of course, citizens become victims of deceivers. This is largely facilitated by widespread myths about the guarantee of non-counterfeiting, which are actively used by scammers.

“Official” OSAGO form or appearance

The high-quality appearance of the policy does not guarantee authenticity. In the modern world of advanced computer technology, making a fake that is almost identical in appearance to the original is not difficult.

Sometimes scammers use original policy forms. They can get them by stealing from existing insurance companies or through employees of bankrupt insurance organizations.

Therefore, when purchasing, you should not focus only on the external degrees of protection of the form.

Individual number of each form

An individual number on a form is also not an indicator of authenticity. All fake policies are printed as copies of the originals, so there is a policy with the same number that belongs to the real insurance company or is in the hands of the policyholder. A simple check by number will not give you anything.

Electronic MTPL policy cannot be faked

Since January 1, 2017, the sale of electronic insurance policies has become a mandatory service for all insurance companies by law. On the one hand, it is convenient and fast, and on the other hand, it provides a wide field for the activities of fraudsters, who often go unpunished.

Fake websites appear on the Internet every day that use the logos and symbols of real insurance companies. Contrary to myths, an electronic MTPL policy can be faked. Fraudsters often sell and send by email altered original policies in PDF format with fake signatures and seals.

Sometimes companies that act as intermediaries indicate incorrect data in the policy that makes it cheaper (for example, they underestimate the number of hp), and take the difference from the cost for themselves. You will have the original policy in your hands, but in the event of an accident, it turns out that it is invalid.

How to distinguish a fake OSAGO policy

Despite the ingenuity of scammers, it is possible to distinguish a fake OSAGO. There are signs of a fake, you need to know all of them so that at the right time you at least have doubts and stop making a hasty decision to purchase. Originality must always be checked according to several criteria.

Appearance

The MTPL insurance policy is an official document that confirms the conclusion of an insurance contract. Original forms are printed at Goznak factories and have several degrees of protection:

colored security fibers on paper that glow in ultraviolet light;
raised individual number;
watermarks with the emblem of the “Russian Union of Auto Insurers”;
high-quality printing;
on the reverse side on the right there is a metal strip 2 mm wide.

Despite the fact that the original form does not yet guarantee the authenticity of the policy, the absence of at least one of the above signs definitely indicates a fake.

The price is lower than Federal Law-40 (and how much this Federal Law indicates)

The cost of compulsory civil liability insurance (MTPL) is regulated by the law “On compulsory civil liability insurance of vehicle owners” dated April 25, 2002 N 40-FZ. This means that the cost of insurance cannot be lower than the base rate multiplied by the coefficients. The value of the base rate is determined depending on the characteristics of the car, which potentially affect the likelihood of harm and its size.

The minimum base tariff for passenger cars of individuals and individual entrepreneurs from 01/09/2019 is 2,746 rubles, provided that they are not used as a taxi.

To find out the official cost of your insurance, you need to find out your AMR (discount for accident-free driving) using your driver’s license or according to the vehicle owner. Knowing the real cost of insurance, you will not fall for the tricks of scammers who will offer the policy at a “tempting” price.

They do not ask for documents or ask for an incomplete set

When applying for an insurance policy for the first time or with a new insurance company, you must be asked for copies of the following documents:

passport of the policyholder/owner;
car certificate or PTS;
driver license.

If you are dealing with scammers, then they will only be interested in the data that is indicated in the insurance policy itself. For example, passport information is needed to fill out an insurance application, and if you are not asked for a copy of your passport, this is a reason to suspect fraud.

When renewing an existing policy, copies of documents most likely will not be needed.

The call is not from your insurance company.

If your insurance expires, representatives of other insurance companies may call you with an offer to renew your policy. In 80% of cases it is a scam because insurance companies only call their own clients. By asking a few clarifying questions, you can easily clarify the situation for yourself.

It is impossible to come personally to collect the policy

One of the ways to expose deceivers when applying for insurance is your desire to come to collect the policy in person. If they start telling you that the company is located far away and they only have a courier service, most likely they are trying to sell you a fake. The policyholder should always have the opportunity, at his own request, to come and issue a policy at the office of the insurance company.

Reduced base rate in the insurance company

If they try to sell you a policy at an attractive price and explain the cost by reducing the base rate, you can easily check this information. It is enough to go to the official website of any insurance company, and a document with current tariffs for compulsory motor liability insurance will be posted there.

Checking the policy using the RSA database

You can check the authenticity of the policy using the database of the Russian Union of Auto Insurers (RUA). But you should remember that scammers make copies of the original forms, so the website will contain information about a specific policy. You can check the database:

authenticity of the insurance policy form;
information about the car from the MTPL policy: vin, reg. sign;
Use the vin number to check for OSAGO availability.

If you have any doubts about the authenticity of the insurance, do not rush to pay for it. Information on the site is updated once a day at 0:00. If everything goes well, you can verify the validity of the policy by the following signs:

the status “with the policyholder” will be indicated on the website;
The start and end dates of insurance will be the same on the website and on the paper form.

Agency agreement number

You can check with the insurance agent who is going to issue you a policy the number of the agency agreement. Knowing him, you can check whether such an employee really is registered in the insurance company. To do this, just go to the official website of the company and familiarize yourself with the list of partners.

The name of the IC representative does not match

At the very bottom of the OSAGO form the name of the representative of the insurance company is indicated. It doesn’t matter whether it can be an LLC or an individual entrepreneur, but the name must match the agency agreement. If this is not the case, then there is reason to doubt the authenticity of the policy.

Revoked license

If the insurance company that issued your MTPL policy did not have a valid license at the time the contract was concluded, then the insurance is considered invalid.

How to check e-OSAGO for authenticity

If you decide to use the e-OSAGO service, then in order to protect yourself from counterfeits and check the authenticity of the policy purchased via the Internet, follow these simple recommendations:

You can order a policy only on the official websites of insurance companies. A complete list of these Internet resources is available on the RSA website.
If you are offered to purchase compulsory motor liability insurance via the Internet, use the RSA database and check by the form number which insurer has the policy. The agent who offers you insurance must be from that company.
On the RSA website, enter the number of the form offered to you and pay attention to the fields “beginning of validity” and “date of sale.” They must be empty.

Do not buy MTPL from intermediaries. Even if they don’t sell you a fake, they will definitely increase the price above the real one.

How to protect yourself when purchasing and not run into scammers

When purchasing compulsory motor insurance, follow these simple recommendations to avoid becoming a victim of fraud:

Apply for a policy at the official office of the insurance company, or at least make sure that the insurer provides you with such an opportunity.
When purchasing, carefully study the appearance of the policy.
If possible, check the information about the form on the RSA website.
Before purchasing a policy from a courier, do not hesitate to ask him to show your documents (passport and power of attorney for the right to carry out insurance activities). After this, call the insurance company and check whether such an employee works for them and whether his power of attorney is valid.

In any case, if you have doubts about the authenticity of the document and the reliability of the insurers, do not rush to enter into an agreement. It may be worth contacting another company.

What to do if you bought a fake and discovered it before you got caught by the inspector: step-by-step instructions

If you have already bought OSAGO, but after checking it yourself you are convinced that it is fake, do not ignore this fact. To avoid trouble, follow these simple instructions:

Buy a new insurance policy, taking into account all the recommendations for protection against fraud.
With the fake policy as evidence, contact the police and write a statement in which you indicate all the information you know about the “fake” insurers (website address, phone numbers, etc.).

Contacting the police before the occurrence of an insured event removes the suspicion of deliberately using a false document. If the scammers are caught, you can count on compensation for damages.

What are the consequences of a fake OSAGO policy if you don’t notice the fake in time or simply ignore it?

If the MTPL insurance policy turned out to be fake, but you did not have time to take appropriate measures in time, then in the event of an accident that occurred through your fault, you will have to compensate for all the damage at your own expense.

In addition, the acquisition and use of counterfeit documents is a crime punishable by Article 327 of the Criminal Code of the Russian Federation.

Conclusion

The desire to save money sometimes has very sad consequences, so you shouldn’t chase cheap insurance. With vigilance and awareness, exposing scammers is not that difficult. Follow simple recommendations and be careful, this will allow you to avoid unnecessary expenses and worries.

How to avoid becoming deceived by the policyholder and what to do if the MTPL policy turns out to be fake?

Insurance is fertile ground for illegal activities by fraudsters. Fake MTPL insurance policies are being discovered more and more often. Moreover, in most cases, the fact of counterfeiting comes to light only when an insured event occurs, when compensation is required from the insurer. The article indicates the main distinguishing features of a counterfeit, and also describes the procedure for action if you find yourself in such an unpleasant situation. It also discusses in detail what to do if the MTPL policy turns out to be fake.

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! . It's fast and free!

What is a fake car license?

It should be noted that, despite the fact that compulsory motor third party insurance (MTPL) insurance refers to strict reporting forms that have their own unique number, at the same time, there is always a chance of encountering fraudsters.

There are two most common ways to deceive policyholders:

selling fake insurance;
falsification of the process of purchasing a car title via the Internet.

In general terms, the concept of “fake insurance policy” means a document that has been forged or altered by any person or organization other than those that legally have the right to produce and sell such documents.

The following types are included in the category of fake MTPL insurance::

a policy in which the start and end dates of its validity period have been changed;
a policy that is simultaneously sold to two or more vehicle owners (the so-called double policy);
insurance that, upon expiration, was sold to another person located in another region;
forgery of the policy form. Moreover, the number of such insurance may coincide with a valid policy number that was sold somewhere in another region;
a policy sold by an insurer that has long left the insurance market.

In accordance with the law, unused policy forms belonging to insurers that have ceased their activities must be withdrawn from circulation. However, there are often cases when employees of a bankrupt insurance company sell unused forms to third parties.

Such insurances, in fact, are real, but they no longer have legal force and in the event of an accident, it will no longer be possible to compensate for the damage caused with the help of such insurance.

Situations in which there is a risk of buying it

You can stumble upon a fake policy in the following situations::

when purchasing insurance over the phone or on the street;
when purchasing through dubious agents and intermediaries;
purchasing an electronic policy on a website of dubious origin;
when purchasing insurance that has a suspiciously low cost.

How to distinguish a fake from a real document?

One of the most well-known ways to establish the authenticity of an MTPL policy is to check it by number and series in the RSA database.

However, nowadays fraudsters have become very creative and often even the insurance that is listed in the RSA database can still turn out to be a fake. It is useful for every car owner to know the signs characteristic of a fake. A fake insurance policy differs from a genuine document in the following ways :

If the name of another printing house appears on the insurance, then this policy is 100% unreal.

The fake policy form, as a rule, has an A4 paper format, while real insurance is placed on a sheet that is 9-10 mm shorter than the usual format.

The fake is located on several sheets and does not contain microgrids on the main page. In this case, the original insurance is placed on both sides of one sheet, and is also covered with a micromesh that has a pinkish tint.

This OSAGO policy contains a number consisting of 10 digits. It should be located in the upper right corner of the insurance form.

Thus, having an idea of what a real OSAGO policy should look like, a car owner can easily identify a fake.

In addition, to avoid buying a fake car license, you must adhere to the following recommendations :

You should only purchase a policy from a trusted insurance company. It would be a good idea to first request a license from the insurer to carry out this type of activity.
You should avoid buying insurance in dubious places, as well as on unverified websites of insurance companies. The official list of RSA insurance companies is posted on their website page.
When purchasing an MTPL policy, you must immediately check its authenticity in the RSA database.
You should not purchase insurance that is suspiciously underpriced. You need to know that the cost of a car insurance policy is regulated by the Central Bank of the Russian Federation, so its size for the same car cannot vary greatly among different insurers. We talked about the tariffs established for compulsory motor liability insurance here, and from this article you will learn how to calculate the cost of an insurance policy.

What to do if the document turns out to be fake?

Unfortunately, no one is 100% insured against purchasing a fake policy, so when faced with a similar situation, you need to know how to act correctly. Procedure when buying a fake :

As you know, for driving without insurance there is a fine of 800 rubles (Article 12.37 of the Code of Administrative Offenses of the Russian Federation). At the same time, you should not hope that traffic police officers will not check the authenticity of the insurance presented to them. Even if the fake document is not immediately detected, the driver still risks getting into big trouble if he becomes the culprit of an accident.

Next, you need to write a statement to the police about the existence of fraud. Of course, the chances that the attacker will be caught are very negligible, but if this does happen, the driver will be refunded the money for the purchased insurance.

Legal liability

It should be noted that the law provides for very severe punishment for counterfeiting MTPL insurance. In accordance with paragraph 1 of Article 327 of the Criminal Code of the Russian Federation, the production and distribution of false documents is punishable by imprisonment for a term of up to 2 years or in the form of forced labor, the duration of which can also be up to 2 years. The use of false documents is punishable by a fine of up to 80,000 rubles (clause 3 of Article 327 of the Criminal Code of the Russian Federation).

Thus, it is in the driver’s interests to detect a fake MTPL policy as early as possible and report this fact to law enforcement agencies. In addition, when purchasing new insurance, you should be extremely careful when choosing an insurer and check everything carefully.

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