Inspection for OSAGO is it necessary?

In recent years, both insurance for cars in general, and vehicle inspection for OSAGO in particular, have undergone some changes. But not everyone has time to delve into and follow them. The question arises as follows: Do I need a technical inspection if there is insurance?

Inspection for OSAGO and SRT

The diagnostic card shows a test of the vehicle's technical state. We are talking about the main indicators, and the additional elements installed on the vehicle. The car must comply with the safety requirements for participation in road traffic. The term of passing the TO and its order are established by law.

Since 2012, coupons have ceased to be issued. Instead, they began to issue a diagnostic map, which contains information about the machine, the technical state and the duration of its operation.

Also there were innovations in auto insurance.

Inspection and insurance

Together with the new form, the main purpose of the technical inspection has also changed. Previously, first issued OSAGO, and then passed a technical inspection to get a coupon. But now the order of procedure has changed. Initially, a diagnostic card is required, and already on the basis of it a policy is issued. It turns out that drivers need a checkup for OSAGO in the main. No other diagnostic map is affected.

Inspection for a new car

According to the current law, the first three years of technical inspection is not necessary for new cars. This applies to cars, trucks and trailers, which have a maximum mass of not more than three and a half tons, as well as motor transport.

When buying vehicles of the previous year of release formally it is considered second-hand, although it was not yet in operation. In this case, the first technical inspection of the car is to be completed after not 3, but 2 years.

Technical inspection is not just an internal Russian requirement. This is the norm that corresponds to the international convention. Therefore, when traveling abroad, a diagnostic map is needed even for a new car. I must say that not all countries control its availability from the car owner. In this case, if there is a suspicion that the machine is faulty, they can check its technical state. And if a problem is found, you'll have to go home.

Should the policy be renewed if the diagnostic card ends?

Previously, insurance could be issued only when the inspection for OSAGO had been in effect for at least 6 months. At present, there is no such need. Even if, for example, the card expires on June 30, a new policy can be issued on the same day. Now there is no coupon, and a half-year term can and should not be observed.

Do I need to carry a map with me?

Each driver, while driving, must have a compulsory insurance policy, a car registration certificate and a driving license. Employees of traffic police can no longer require drivers to show a diagnostic map. But the policy of OSAGO auto inspector has the right to ask to show.

According to the law, the MTPL policy without inspection (that is, without a diagnostic card) is not issued. Therefore, the need to display this document is eliminated. However, if there is no policy, the driver can be fined five hundred or eight hundred rubles. This applies to drivers of category B. Those who need to undergo technical inspection every six months, a diagnostic map must be required.

Will the compensation be paid if the validity period of the coupon is over?

The changes that have appeared in auto insurance have spawned many questions. For example, do you need a technical inspection if you have a policy, or what if the period of the diagnostic card has expired?

Many are sure that in case of an accident in the UK it is necessary to submit documents on technical inspection of the culprit of the accident, as well as the injured party. But this is not so. Then, if there is insurance of OSAGO, do you need a checkup? The UK may well present a regressive claim if the perpetrator of the road accident has a diagnostic card with an expired validity. But for the injured party, the document on the passage of the TO is completely unnecessary.

It should be borne in mind that, according to the law on OSAGO, if there is no diagnostic map, this is not an excuse for refusing to pay. Therefore, if at the time of the accident there is insurance of OSAGO without inspection, the UK will have to compensate for losses on general grounds.

If there is no diagnostic card?

Often the question arises whether the fact of the lack of technical inspection can affect the payment of the insurance when the road accident occurred. It turns out, yes. In this case, the UK may well demand that the expenses incurred by the company be reimbursed to it. But this rule is not applied to everyone. A regressive claim will be directed against those car owners who must undergo maintenance every six months. It is, for example, specialized vehicles with which dangerous goods are transported . It is also a taxi, and a vehicle with more than 8 seats, which are designed for passenger transportation. Drivers of such vehicles can not drive without a valid diagnostic card. Otherwise, an administrative fine is imposed on them.

What should I look for when I pass the TO?

The changes that were received by the inspection and OSAGO of 2014 are as follows. The traffic police officers can no longer carry out a technical inspection. This function has completely passed into the hands of specialized diagnostic centers with appropriate accreditation.

When passing through, it is necessary to pay attention to a special service station. The issued cards must have a 21-digit number. If the center provides services at a lower cost, there is reason to think about its legitimacy.

So, in order to distinguish a fake card from the real, you need to pay attention to the following:

• Understated cost of passage of the service station;
• To check the accreditation of the SAR;
• The number must consist of 21 digits.

After passing the TO, employees send a copy of the document to the unified system of technical inspection (shortly EAISTO). Data is stored there for five years. Therefore, they are easy to monitor as needed.

Conclusion

How can I answer the question about whether a vehicle inspection is necessary for OSAGO? At least, we should not neglect this document. It turns out that with the insurance issued, a diagnostic card is also needed. After all, if an accident occurs, and there are no cards with them, the aggrieved party risks remaining without payment. Of course, there are no legal grounds for refusing compensation. But, as is known, insurance companies only seek opportunities to not pay compensation or pay less. However, if, faced with a similar situation, you decide to seek justice and apply to the court, the UK will most likely have to pay the debt. But, probably, not to spend a lot of unnecessary time, nerves and money, it is better to prevent the problem and keep all the documents with you than to sued the insurance companies for months.

And there is no doubt that it is necessary to make the diagnostic card real and not overdue. After all, otherwise, the insurance policy will be declared invalid. And here no court will help.