Errors in the MTPL policy consequences

How to correct an error in an OSAGO policy in 2019

When registering compulsory motor liability insurance, all information must be copied from documents and verified by both the insurance company agent and the client. However, the human factor has not been canceled. There are cases when a mistake was made during registration.

In this article we will look at what the consequences of filling out the form incorrectly may be, how to avoid them, what are the ways to correct inaccuracies, and whether you will have to pay to change the document.

What problems will an error in OSAGO cause?

If an insured event occurs, the driver has the right to demand payment, even if there is an error or typo in the policy. But before that you will have to make changes to the document. Considering that after the accident there will be many other matters and bureaucratic problems, it is better to take care in advance to correct all inaccuracies in the policy.

An error during registration is not a reason to refuse payments! There is also no fine for a typo in compulsory motor insurance when checking documents by traffic police officers.

If, when registering e-OSAGO, there are inaccuracies in driving experience, engine power, registration address, or other errors that reduce the cost of insurance, the car owner may be sued for fraud.

It will be difficult to prove that he did this intentionally, for selfish purposes. But no one needs unnecessary court proceedings, wasting nerves and time, so it is better to correct the typo immediately after discovery, even if you have to pay extra.

The main types of errors when registering for compulsory motor liability insurance

When preparing a document, the insurer may make a mistake in any field that is filled in manually, for example:

in the surname, name, patronymic of the policyholder;
date of birth;
VIN or license plate number of the car;
car make and model;
residential address;
"Bonus-malus" coefficient.

The insurance agent must independently rewrite the information from the documents, and then give the client the opportunity to check all the fields. If the car owner was not provided with a policy to verify that it was filled out correctly, this is a violation of the rules. In case of registration of e-OSAGO, the policyholder himself enters all the data and is personally responsible for its accuracy.

Where and how to fix the error

How to correct an error in the MTPL policy? Under no circumstances should you make changes to the document yourself. The form must be completed only by the insurer.

Corrections are made in several ways:

On a valid contract, the incorrect word or letter is carefully crossed out, and the correct information is indicated in the nearest free space: above or to the right of the error. In the “Special Notes” field, the phrase “Believe the Corrected” is written, signed and sealed.
The old policy is crossed out, destroyed or remains with the policyholder, and a new one is issued in return free of charge. It indicates in the same “Special Notes” field that this is a revision of the form, and also states the reason for the re-issuance.

Algorithm of actions

We will analyze the sequence of actions necessary to correct the error in the case of the standard version of the policy and the electronic one.

For regular OSAGO

This scheme of action is suitable even if the driver is the owner of e-MTPL. To correct the error, you need to come to the company’s office, provide all the documents necessary to obtain the policy, and fill out an application for re-issuance.

In the header of the document you should write down the branch number and name of the insurance company you are applying to, full name and series, and policy number.
In the main part of the application, you must indicate the typo and provide the correct information (for example, “I ask you to change your name from Daniil to Daniil).
If an error was made in the information affecting the cost of contributions, and the motorist overpaid, you must demand the difference and indicate the details for the transfer (for example, “I ask you to return the overpaid amount under the OSAGO agreement due to the recalculation of the cost of the insurance premium.”).
You also need to list the documents provided to the policyholder, sign and date the application.

For e-OSAGO

If an error is made in the electronic OSAGO policy, then there are two options for correcting it. The first is described above: come to the office and submit an application. The second (not provided by all organizations) is through your personal account on the insurance company’s website. To do this, do the following:

Open the official website of the company.
Log in to your personal account.
Find the “make changes” function.
Fill out an electronic application: indicate the reason for re-registration, enter the correct data.
Pay the missing amount if the CBM was recalculated in favor of the insurer.
Print the new version of the form by downloading the PDF file from the website or receiving it by e-mail.

Let's sum it up

An error in an official document is an unpleasant discovery, but there is nothing terrible about it. You will have to spend a little time re-issuing the policy. Filling out a new form is a formality, so this process is free. But if a typo is made when calculating the cost of insurance premiums, then the money will either be returned (if the client paid more) or you will have to pay extra (if the insurance company did not receive the amount).

How to correct an error in the MTPL insurance policy?

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When filling out an insurance policy form, an employee may make a mistake and enter inaccurate information. A similar situation often arises and it’s all about the same human factor. Of course, you cannot use a policy with errors , because in the event of an accident, the document will be declared invalid and the driver will not be able to receive compensation under it.

To avoid such a situation, a special algorithm has been developed to resolve the situation by making corrections to the document confirming the fact of car insurance. These and some other questions will be discussed in this article.

Is it possible to make corrections to the MTPL policy?

Making changes to the MTPL insurance policy is not just the wish of the policyholder or client, but a mandatory requirement of the law. If an error is made in the compulsory motor liability insurance policy, then you need to immediately contact the place where you received the insurance and ask the company representative to make the necessary changes .

The car insurance policy form is a strict reporting form and the insurance company is initially responsible for it. The document is equipped with additional security measures to avoid possible problems with fraudsters. Each policy has its own unique number, series and special watermarks .

Despite such strictness in the design of the form, there are grounds that allow you to correct errors in the OSAGO policy. The following documents need correction:

there have been changes in the driver or vehicle data;
During the initial registration of insurance, the insurance company representative made errors or inaccuracies.

The policy holder does not have the right to make changes on his own, but he must contact the policyholder with documents certifying the factual data.

How can I correct an error in the electronic MTPL policy?

Sometimes the car owners themselves are to blame for the mistakes they make. The lion's share of such errors occurs in cases where people took out insurance electronically. This is due to the fact that car owners enter all the data to obtain a new policy on their own, which results in errors.

Yes, there is a service that detects such inaccuracies when checking the entered data through the RCA database, but technical failures do occur, and as a result, the citizen receives insurance with an error. The likelihood of such an outcome is minimal, but it exists.

After the check has been carried out and if errors are identified at the stage of filling out the online form, the user can immediately make changes to the policy online independently and make adjustments . Only after this the service will allow you to continue processing compulsory motor liability insurance. Unfortunately, this option does not always work, since the SAR database may contain erroneous data. In such circumstances, the only correct decision is to contact the insurer, where the necessary corrections will be made, and the driver will receive a new policy.

What errors can there be in a compulsory motor liability insurance policy?

It may well happen that an insurance company employee made a mistake when filling out the MTPL policy. The reason for this may be fatigue, simple inattention or lack of necessary experience. For their part, drivers also do not check the issued documents and end up with a lot of problems. The most common errors and inaccuracies include the following situations :

the form must be filled out with ink of the same color and even shade;
insurance is issued in one hand (if the policy is not printed on a computer);
if an error was made when preparing a document, the Investigative Committee employee is obliged to formalize it properly;
it occurs that the model or number of the car is incorrectly indicated in the policy;
Sometimes the owner is indicated incorrectly, so insurance company employees suggest policy recipients check the entered information.

The above situations occur frequently, but they are completely solvable. One more point is worth noting.

It often happens that the driver has changed his driving license and the old license is indicated in the policy. The mistake is not always made by an employee of the insurance company, since the driver can change his license even after the policy is issued.

In any case, it is necessary to make adjustments to the compulsory motor liability insurance policy.

The procedure for making changes to the OSAGO policy

The procedure for correcting inaccurate data and errors requires the car owner to perform certain actions. In particular, we are talking about the following steps:

After identifying an error, you must prepare all the required documents. Here you will need a policy with an error and a power of attorney to make changes to the MTPL policy if it is not the owner of the car who applies to the insurance company.
When visiting the policyholder, you will need to draw up an application to correct an error in the compulsory motor liability insurance policy according to the current sample. A company representative can help with this.
After checking the application, corrections will be made to the policy and the citizen will receive a new document or an old form, but with correctly completed corrections.

Download a sample application to correct an error in the MTPL policy

Usually, all actions are performed immediately upon application and do not require a long wait from the car owner.

Where to contact?

This point is very important, since you only need to seek help from the insurance company with which the insurance agreement was signed . If the driver’s demands are justified, and the company refuses to make changes, the citizen has the right to appeal to the court.

Timing and cost of making changes

By law, all changes to the policy must be made on the day of application. In the future, new information enters the RSA data bank no later than five days from this moment. As for the cost, all corrections are made free of charge.

Possible consequences of errors in the policy

To avoid dire consequences, it is imperative to correct the information in the MTPL policy. If we talk about possible problems, then, of course, we should mention the fine on behalf of the traffic police officer when he realizes that the provided policy is invalid. The second possible outcome is the inability to obtain insurance in the event of an accident.

What to do if an error was made in the compulsory motor third party liability insurance policy: instructions

Several years ago, participants in the movement received a wonderful opportunity to purchase a binding contract in real time. Since everyone makes mistakes, in this article we will indicate what to do if an error was made in the compulsory motor liability insurance policy during registration. We will pay special attention to whether compensation will be paid in case of an accident if the driver has civil liability in which the information is provided with inaccuracies.

What to do if there is an error in the OSAGO policy

Not all road users know what to do if an error is made in the MTPL policy. The first thing to note is that they come in two types:

due to the fault of the client himself;
technical, when the SAR database does not work.

Let's figure out what to do if an error is discovered in the insurance policy after purchasing the form.

Important! All changes, if an error was made when registering the compulsory motor liability insurance policy, can be made exclusively by the policyholder. In other cases, a power of attorney is required.

In the driver's license number

If there is an error in the license number in the electronic OSAGO policy, then the insured citizen must not only make corrections, but also return the overpayment under the CBM, if any.

Required:

prepare documents;
contact the insurer (preferably the head office);
fill out an application indicating the correct license number;
receive a reissued MTPL, which will contain the correct driver’s license.

As for overpayment, it is possible if you have a discount on your driver’s license.

To return:

fill out an application in which you indicate: I ask you to transfer the overpaid premium under the MTPL agreement due to incorrect application of the KBM coefficient;
Attach details of the personal account where the funds should be returned.

Important! The company is obliged to transfer funds within 14 working days. If after the specified period the money does not arrive in the account, then you can file a complaint with the Central Bank or court.

In last name or date of birth

As for the date of birth, it does not appear in any way on the vehicle registration form. It also does not affect the size of the discount, since information is requested based on your full name and driver’s license. However, this does not mean that you should ignore such an error in your MTPL policy. In such a situation, you should also spend personal time and visit the insurer to make changes.

If a mistake is made in the last name, the form should be changed. In the office you need to write a statement in which you indicate: I ask you to change the last name from “specified with a typo” to “specified correctly” due to a mistake. The financial company makes these corrections free of charge.

In the car number

Corrections can be made in any way:

When registering compulsory motor liability insurance in Rosgosstrakh Insurance Company, the error is corrected directly on the current contract. The representative crosses out the incorrect vehicle number on the policy, indicates the correct one at the top, puts a stamp and signature. Additionally indicates that the corrections should be considered correct.
On the back of the form an entry is made: State registration plate read as follows: “the correct number is indicated.” It is also necessary to put a date, signature, transcript and seal after the inscription.
By registering a new form. In special conditions, a note is made in exchange for which it was issued and why.

In the car brand

When an error was made when registering a vehicle brand, the data changes in the same way as the license plate. The main thing is to present the document for your iron friend to the financial company specialist.

Important! Such typos are common, since insurers offer to select a make and model from a list when checking out. Often the required model is not available, and drivers choose any one to receive an agreement form, after which they make changes.

At the owner's address

Since the address of the car owner affects the calculation of the insurance premium, this error should be reported to the insurer immediately. Information about registration is not included in the form, but if an accident occurs, problems may arise in receiving payment.

When visiting the office, you must present a passport with permanent or temporary registration. If the city is indicated incorrectly, the driver may be subject to a recalculation as a result of which:

a small additional payment will be required;
The overpayment will be refunded.

If the house or address is incorrectly indicated, then no refund or additional payment is provided. In this case, an employee of a financial company will simply make changes to the database.

Identification number is the main characteristic of transport. If an error was made during registration, these corrections should be made as soon as possible. All changes are made through the official office. Based on the results of the correction, a new contract form is issued, completely free of charge.

You need to have a document for your iron friend with you to confirm the correctness of the VIN number.

This is all any discount that is due for accident-free driving. In this case, you should write a statement indicating why the CBM was not applied. The financial company, in turn, is obliged to:

draw up a new document;
make a recalculation;
return the overpaid portion of the insurance premium.

As for the application, it is always drawn up in the name of the director, according to the general template.

You can download the document template on our portal completely free of charge.

How to correct an error in an electronic OSAGO policy

If an error is made in the electronic MTPL agreement, you can correct it yourself or by visiting a financial company branch in person. In the first case you will need:

visit the website and enter the policyholder’s account;
select “make changes”;
write, resulting in re-registration;
enter correct information;
make an additional payment if required;
obtain a form with reliable data and print it.

Important! Only large organizations such as Rosgosstrakh and Ingosstrakh offer to remotely correct an error in a motor third party liability policy.

Will there be payments if there is an error in the policy?

Having studied the law, we can say with complete confidence that a financial company does not have the right to refuse payment if the policy is valid, but there is a technical typo in it. The main thing is that all information is entered correctly in the traffic police report.

To receive payment you will need:

make changes first;
contact the loss settlement department;
to write an application;
attach all documents;
present the car for inspection;
receive compensation 20 days after submitting the last document.

To summarize, it can be noted that to edit an error in compulsory motor liability insurance, including an electronic one, you need to contact the office. Some large companies offer to save time and make corrections remotely. The main thing is to make changes as soon as possible, since any document must be executed correctly.

If you made a mistake when calculating and applying for an MTPL policy using a calculator, we recommend sharing your experience. Please tell us which organization you filled out the form with, how you made the corrections, and whether additional payment was required. We will be grateful for the valuable advice and recommendations that you leave for our readers.

If you need the help of a qualified specialist, he is always at your service on our portal.

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What are the consequences of an error made in the electronic MTPL policy?

Hello. When applying for an electronic MTPL policy, a mistake was made in registering the place of residence of the owner of the vehicle. What does this mean?

What does this mean?
Larisa

You will just need to make corrections, for which you should contact the office of the insurance company to issue you an MTPL policy on a strict reporting form, taking into account the correct data on the owner’s place of residence.

At the request of the policyholder who has concluded a compulsory insurance contract in the form of an electronic document, he is issued an insurance policy drawn up on a strict reporting form at the insurer’s office free of charge, immediately after the appropriate request.
The moment of applying for an insurance policy drawn up on a strict reporting form is the date and time of filing an application for the issuance of an insurance policy drawn up on a strict reporting form directly at the insurer’s office. Also, the insurer is obliged to send to the policyholder by post an insurance policy drawn up on a strict reporting form, on the date specified by the policyholder, and at his expense, when applying through the official website of the insurer on the Internet or the official website of a professional association of insurers on the Internet, but not earlier than the working day following the day of payment for the service by sending him the insurance policy. After the insurer receives from the policyholder an application in electronic form, signed in accordance with the requirements of this paragraph of the Rules, about changing the information specified earlier in the application for concluding a compulsory insurance contract in electronic form, the policyholder is obliged to pay an additional insurance premium in proportion to the increase in the degree of risk based on insurance tariffs for compulsory insurance, and the insurer - to make changes to the compulsory insurance policy (if the information requested by the policyholder to change was previously reflected in the compulsory insurance policy) . In this case, the insurer, no later than two working days from the date of payment of the additional insurance premium, and if the changes in information reported by the policyholder do not require additional payment of the insurance premium - no later than two working days from the date of receipt by the insurer of the application for changing the information, sends to the policyholder a reissued (new) ) compulsory insurance policy in the form of an electronic document, signed in the manner prescribed by this paragraph of the Rules. If the information, the change of which the policyholder declares, was not previously reflected in the compulsory insurance policy and does not require its reflection in the compulsory insurance policy, the policyholder, within the time limits provided for in this paragraph, is sent an electronic notification signed with an enhanced qualified electronic signature of the insurer in compliance with the requirements Federal Law “On Electronic Signature”, on the insurer’s recording of changed information.

At the same time, you do not need to pay anything additional for this procedure.

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, just call, 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:

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.
Different handwriting. It is necessary that the entire document be completed by one specialist.
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:

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.
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:

Cross out incorrect data. Please indicate the correct option next to or above.
In the special “Special Notes” field, write “Believe Corrected”, put the date, personal signature and seal.
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.

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.