The car insurance market is simply replete with unreliable sellers and impudent scammers who often offer fake OSAGO policies. And in order not to get into a mess and not to lose your money and nerves, consider an official and reliable method of authentication.
The most reliable way to check is through the PCA portal (Russian Union of Auto Insurers).
Procedure:
- Pick up the document. The series and number are written in the upper right corner.
- Fill in the data in the corresponding columns.
- Enter the appropriate captcha and click on the "Search" button.
Your document is authentic if the data provided on the portal matches the data indicated on the form. Also, the status of the document must be "held by the policyholder".
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The document is invalid, it is not registered in the insurance database.
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… This variant of events indicates that you have a copy of the document in your hands. The original was not given to you, it is still with the insurance company.
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In this case, you have the original on hand, but at the moment it has been canceled for some reason and has no legal force.
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In this case, the document has expired and the insurance is no longer valid.
Image Important! If one of the above options for the development of events fell to your lot, then the first step is to change the insurance policy. When using a fictitious policy, there is a chance to receive fines for the lack of an insurance certificate from the traffic police.
After receiving a new policy, you should contact the company that issued the fake policy in order to get the money back.
I would like to say that it takes only a few minutes to check the authenticity of the CTP online. Therefore, for your own peace of mind, you can spend a little time and, if necessary, take action.
