How to check the policy of OSAGO for authenticity and what is it for?

A genuine insurance policy of OSAGO is not only financial assistance in the event of an accident, but also complete statistics of driving an automobile owner. To verify the validity of your policy, you can use the following publicly available methods. About how to check the policy of OSAGO for authenticity, will be told in this article.

Why is OSAGO necessary?

From the name of the policy it is clear that it is necessary for insurance of motor third-party liability. And this type of insurance is mandatory for all drivers.

Thanks to the policy of OSAGO, the owner of the car receives a guaranteed compensation for material damage caused to him as a result of an accident, naturally, in the event that the owner of the insurance is the culprit of the accident. However, it should be understood that not all situations can compensate for the damage caused only by the amount of money that is due to the driver for insurance. This policy is very convenient because the driver does not need to spend his own time, nerves, and money in the event that he was the culprit in the accident. The matter is that the insurance company will be engaged in compensation of the caused damage. And, of course, we should not forget that the monthly amount of insurance payment, as a rule, is much less than compensation for the damage caused. Thus, for any citizen who can get into an accident, OSAGO will be quite a useful acquisition. That is why it is necessary to check the authenticity of the OSAGO insurance policy.

In addition, the price of the MTPL policy, the size of payments, as well as many other nuances, are determined in accordance with the law, which makes it possible to reduce all arising disputes to a minimum. At the same time, the law prescribes the size of the minimum contribution, that is, no one prohibits a car owner from paying a month and a large sum, thereby obtaining compensation of a larger amount.

How to know the genuineness of the MTPL insurance policy

To avoid buying fake OSAGO for vehicle insurance, it is necessary to apply only to those branches of firms that are listed on their official website. In addition, you can call the central department of the insurer and consult about this issue.

On the very blank of the policy of OSAGO there are a number of special signs on which it is possible to distinguish a fake from the original document:

• The original insurance is a bit longer (about one centimeter) of the A4 sheet.
• On the front side you can find a surface completely covered with a micro-network of greenish-blue color.
• If you bring the form to the light, you can find watermarks - this is the emblem of the PCA.
• On the back of the policy on the right is a narrow (about 2 mm) metal strip.
• There are red blotches on the surface of the blank.
• The form itself should not paint your hands or other touching objects.
• The policy number consists of ten numbers located in the upper corner on the right side, it should be convex to the touch.

So, asking about how to verify the policy of OSAGO for authenticity, you can use the above tips and methods.

What if the policy is counterfeit?

If suddenly it turned out that your insurance document is a forgery, it is best to buy another one, and with a fake one should go to the police to establish a criminal case. In a situation where law enforcement agencies will find an unscrupulous seller, you can hope for a refund for the cost of the previously purchased policy. In the event that the driver himself decided to save money and purchase a forged document, it is important to remember the possible consequences. First, if the car owner becomes the culprit of a traffic accident, then he will pay out of his own pocket to pay the injured party. Secondly, he will be deprived of his driver's license, and also brought to criminal liability or administrative, in addition, a large fine will be issued. In order to avoid getting into such an unpleasant situation in the future, it is necessary to know in advance how to check the OSAGO policy for authenticity.

How not to become a victim of scammers

If an unfamiliar insurance agent proposes to purchase or extend the validity of the MTPL policy in the same company or in the office where the contract was previously executed, you should definitely ask him to present a power of attorney for the right of this activity. In addition, you need to call the central office of the insurance company and ask if they have such an employee. Do not also save on buying a binding document, you can not get it from hand in clandestine places. It is better to overpay a little and be sure of its reality, then not to wonder how to check the policy of OSAGO for authenticity.

Helpful Tips

When concluding an insurance contract, you should contact a time-tested firm. When choosing it is better to ask the opinions of experienced people in this case. As practice shows, drivers' reviews are the most accurate. In addition, the verification of the validity of the MTPL policy should be carried out at the time of signing the contract, that is, on the spot. It is better to be reinsured once again than to deal with unexpected problems.