When controlling the vehicle policy, the OSAGO is a prerequisite. According to traffic rules, the absence of CTP is a serious violation that is punishable by a fine. To avoid this, it is necessary to take care of the purchase of an insurance policy in advance.

Types of Osago

Insurers offer TC owners of various types of contracts. Each policyholder chooses the appropriate type of insurance depending on the following factors: the number of persons who have the potential right to control the vehicle; The time for which insurance is required (year, 6 months, 3 months, a few days); seasonality of use; Territory of the policy; The form of concluding a contract.

Based on the number of drivers that the car owner admits to manage, it is possible to conclude an agreement with the restriction of these people either without restrictions.

As for the second option, he suggests that the policy will cover the responsibility of any driver who will sit behind the car's handlebar. And if, under the control of this person, the car will be in the accident, the victim will be paid compensation for the damage caused to them. However, the cost of insurance without restrictions is usually significantly higher than the policy that contains predetermined drivers.

And now let's talk about limited insurance. This type of insurance prefers the overwhelming majority of motorists, because it makes it possible to save. The maximum number of drivers who can be made in the policy is five people. You need to specify their driver's license numbers and full name. The insurance company will check their driving history and, based on registered accidents, as well as information about the driver's work, calculates the cost of insurance.

When buying a new car, the buyer does not always have the opportunity to put it immediately. It happens that it is necessary to overtake the car in another city or even the region of the country. And since in the way there may be unexpected situations and control the vehicle without polis is prohibited by law, there is another type of insurance - transit.

Recently, electronic services are actively introduced into a civil turnover, which makes it possible to save money and time. Submit documents, make transactions, to receive extracts and references in electronic form is very convenient. There was no exception and scope of insurance: Recently, you can make an online policy.

Where to buy Osago

Making a policy of OSAGO, drivers seek to obtain maximum payments guarantees in the event of an accident. However, not every OSAO winner receives financial compensation. Due to various reasons, insurance companies refuse to transfer money to their customers. In order to avoid problems with payments, it is necessary to choose the right insurer.

For this, it is necessary to study the contracts offered by insurance firms in advance and find the optimal ratio between quality and price. To doubt the reliability of the company you can make the availability of a large number of negative feedback about it. An important criterion for the reliability of the insurer is the presence of a license, as it is not possible to obtain any payments without appropriate permission to work.

Also make sure that the SC license is not overdue and is not suspended. Otherwise, the client who signed an invalid agreement may lose guarantees for compensation. In the Russian Federation, such SCs use the greatest prevalence:

1. Rosgosstrakh.
2. "SOGAZ".
3. VTB Insurance.

Inspection for OSAGO 2017

Recently, the process of obtaining OSAGO has changed significantly. Four years ago, the inspection coupons were replaced with diagnostic cards, which displays all information regarding the car, its characteristics, technical condition, as well as its validity period.

Changes touched and inspection. If earlier, after registration of the policy and the passage of technical inspection, the driver received a coupon, then now a diagnostic card is needed. From it and begins the procedure for registration of the CTP.

According to the legislation, for the new auto inspection for the CTP has been eliminated for three years. The TC with the previous year of the issue will be considered as used, although it was almost no in operation. In this case, the vehicle is performed in two years.

When passing, it is necessary to have such documentation with you:

• TCP or certificate of registration.
• The document certifying the personality of the car owner is the right or passport.
• Power of Attorney, if the car owner is missing for the procedure.

OSAGO from September 25, 2017, detailed information

At the end of September 2017, some changes to the article of the CCAMA law entered into force. This time the changes will affect the compensation for mass accidents, where two and more TC suffered. Now all such clashes without affected, which occurred after September 25, provide direct reimbursement of damage.

This means that the victim should apply for the receipt of insurance compensation not in the culprit, but to its insurer. Later, insurance firms themselves will understand each other. At the same time, the responsibility for the payment in any case lies on the culprit.

What awaits drivers after September 25, 2017

Previously, direct compensation of damage concerned only collisions of two cars. In other situations, the car owners were forced to contact the culprit. According to experts, the changes favorably affect the lives of motorists, because they will make them more protected, and also get rid of unnecessary trouble when receiving compensation from the insurer.

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