2023 Author: Erin Ralphs | [email protected]. Last modified: 2023-11-26 12:36
The country's legislation obliges the owners of motor vehicles to purchase an OSAGO insurance policy. But in order for the insurer to sell insurance, it is necessary to provide documents. The list of required documents also includes a diagnostic card for OSAGO.
Insurance without technical inspection
Diagnostic for a car is a confirmation that the owner has the right to drive the car on the road. That is, experts check the technical data of the machine. Does each car need a diagnostic card for OSAGO? There are exceptions when the owner of the car can buy insurance without first passing the inspection. If the age of the vehicle is less than three years, then the diagnostics do not need to be passed. The PTS document indicates the age of the car. After three years, the car will need to be sent for inspection for the first time. The first vehicle diagnostic card for OSAGO will be valid for two years. That is, one year after the first examination, you do not need to undergo a new examination.
Technical inspection from the insurer
Previously, almost all insurance companies offered to purchase a document along with insurance. This option was convenient for drivers, since all documents would need to be purchased in one place. But since 2018, the government has established a rule for issuing a diagnostic card. Cars must be inspected in specialized services. If the insurance company does not have a service, then it has no right to offer technical inspection services. Therefore, now most insurers need to purchase a diagnostic card for OSAGO in advance. And only then can you go to the insurance company.
In recent years, most policyholders prefer to purchase insurance without leaving home. The new opportunity has a positive side, since you do not need to take time off from work and stand in line in order to insure. But this type of insurance also has its downsides. There are a lot of scammers in the insurance industry. Sometimes these are one-day companies that collect money and then disappear. There are also scammers who copy the websites of insurers, and the insured buys fake insurance, while thinking that he bought it in a safe place.
The online diagnostic card for OSAGO is also a mandatory document. On the website of insurance companies (licensed) there is a window in which you must enter the document number. The data is sent to the PCA database,verification of technical inspection. If the document really exists, then the program will give a positive answer. If a negative answer came, then the technical inspection was not passed, or the data has not yet entered the database. It is also possible that the service where the car was inspected did not have a license. Before you pass a technical inspection for a diagnostic card for OSAGO, you need to check the list of services that are en titled to carry out the check. This list is on the official website of the RSA. For convenience, you can select only your city.
Since 2018, the law obliges car owners to undergo an inspection procedure. This is necessary in order to reduce the number of accidents on the roads due to malfunctions. Insurance companies will not sell insurance policies to customers without all the necessary documents. Therefore, it will not be possible to buy OSAGO without technical inspection. If the insurer offers insurance and assures that he does not need a diagnostic card, then most likely these are scammers. If the driver is not sure whether he needs an inspection, he can consult with an employee of the insurance company. Staff will answer questions.
In accordance with the first part of the fourth article 40-FZ, which regulates the mandatory liability insurance of vehicle owners, owners of cars registered in the Russian Federation must purchase OSAGO insurance (with the exception of some cases). According to reviews, a diagnostic card for OSAGO online is also issued
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