OSAGO is a compulsory type of insurance. Every car owner should have an OSAGO policy, but when applying for it, insurance companies often try to deceive gullible citizens. How not to fall for the bait of insurance companies, we will consider in this article.
1. If you are applying for an MTPL policy for the first time, find an online MTPL calculator on the Internet and calculate how much your policy will cost. For this, it is important to consider: where the owner of the vehicle is registered; how many years and what is the experience of the drivers who will be included in the policy; engine power (horsepower). In all insurance companies, the price of the policy is the same. The only difference is additional insurance (life insurance, DOSAGO, etc.), which is optional. If you already had an OSAGO policy and during the year you did not get into an accident through your fault (or the traffic accident was not caused by traffic police), then the price of the policy will be 5% lower than the current one. Every year, for trouble-free operation, a 5% discount is provided until the discount reaches the maximum - 50%.
2. Discounts are not nullified if you insure the car with another insurance company (in order for the discount to be preserved, you will need to take a "Accident-Free Certificate" from the previous company), if you are insuring another car (the discount is retained by the driver, therefore vehicle, you provide a policy that confirms your discount). It doesn't matter if you were the owner or just a registered driver in the policy. The discount in the policy is calculated for the driver who has the least experience and age. If you take out unlimited insurance (any person can be allowed to drive), then the price of the policy almost doubles.
3. All insurances except for OSAGO are optional. If you are forced to insure property, life, DOSAGO (voluntary motor third party liability insurance), you have the right to refuse. Ask the authorities, call the hotlines - insurance agents in this case immediately agree to issue a policy without additional insurance. Also, you do not have to pay for the registration of the policy, for the issuance of a duplicate in case of loss - all these fees are outside the legal framework.
4. In order to issue OSAGO, you must have: a valid diagnostic card, an insurance policy (if you had one before), a break-even certificate from the previous insurance company (when moving from one insurance company to another), a passport of the owner of the transport funds. Driving licenses of everyone you plan to enter, vehicle registration certificate (STS).
5. If you had an accident through your fault, which was registered by traffic police officers, then your discount is canceled, plus a multiplying coefficient is applied. Previously, this could be avoided by switching to another insurance company. But with the introduction of a common base for insurers, this will soon become impossible.
6. Before issuing a policy, specify where the claims are being settled. Under the new rules, the car owner applies to his insurance company to receive payment for an insured event. And if this insurance company does not assess and formalize the insured event in your city, then you will have to go to a large nearby city, which is not always convenient. Find an insurance company that will accept losses where you live.
7. After issuing the policy, be sure to check the correctness of writing all the data in the policy and the receipt right at the office. Corrections are permissible only if stamped and signed. You must be given a policy, a receipt, OSAGO rules and an accident notification form. If you have agreed to additional insurance, you must be issued a policy and a receipt for this type of insurance.