MTPL insurance today has become a real klondike for fraudsters who, taking advantage of the moment of redistribution of the insurance market, sell fake policies to unlucky motorists. However, there are several ways to protect yourself, just be careful.
Since 2003, driving on the road without civil liability insurance has been prohibited in Russia. The policy, according to the developers of the law, should become financial protection for motorists who get into traffic accidents. The policy provides a guarantee of payments to the person who drove the vehicle for damage caused as a result of an accident to his life and health (within the agreed amount), his passengers and other road users, as well as for damage caused to vehicles.
Control
All policies are documents of strict reporting, and therefore they have a series and number, which are registered with the PCA (Union of Russian Insurers) and are taken into account. There cannot be two policies with one number.
Since the policy is a potential financial document, it has many degrees of protection that the policyholder must check before signing and paying for the insurance contract. Few people pay attention, but the law clearly states that paying for the policy is evidence that the policyholder is familiar with the conditions of insurance, confirms the accuracy of the data specified in the policy and agrees with its authenticity.
Mindfulness
When signing an OSAGO policy, do not be lazy and look at the form carefully. All forms are made at the Gosznak factory, so look for the stamp on the sheet. Put a sheet of plain A4 paper on the policy - the policy should be slightly larger than the sheet, this is also one of the protective elements, because it is not easy to find such a paper format. In addition, the paper itself for OSAGO is specific, it is very similar to paper for banknotes.
A feature of the form for OSAGO is its fabric texture. It is printed on the same material as banknotes, and polymer fibers can be seen on the surface of the policy. Today, there is no way to fake them. These signs can be useful for any car owner who wants to get a real CTP policy, and not a fake one.
There is also a degree of protection, like money - on a document you can also find a metallized thread, which seems to dive into the paper, and is not glued.
On any policy, when you bring it to the light, you can find the logo of the Russian Union of Auto Insurers. The inscription is stretched across the entire surface of the letterhead and is very reminiscent of watermarks of the same money.
Many car owners check the authenticity of their policy by its registration number. You can verify that a document belongs to a particular company on a special online resource called PCA.
