Is it compulsory to insure life while insuring the car? Do they have the right to insure life?

Is it compulsory to insure life while insuring the car? This question for some time interests almost all motorists, making insurance for the first time. And those who extend the existing document, do not always know the answer to this question.

Since the policy of compulsory motor TPL insurance is mandatory for purchase, many insurance companies began actively offering various related services as a "cherry on the cake". You can understand them. After the more services a SK manager can sell, the higher will be his own reward. But after all, every insurance costs money, and often considerable. So is it worth buying an additional service, especially if you do not need it?

In this article, we will try to answer questions that concern every car owner. Is it compulsory to insure life while insuring the car in Ingosstrakh, RESO, Rosgosstrakh and any other organizations? Let's think about it.

Imposing adherence to insurance

Since very few people know for sure whether to insure life with car insurance, many UK, even quite large and eminent, began to use this fact in their own interests. It came to the point that the insurers began to massively refuse to issue MTPL without purchasing additional packages of services. At the same time, all of them can not fail to understand that such actions are absolutely illegal.

The calculation goes to the fact that few of the owners of machines will want to spend their nerves and money in an attempt to defend their rights. Approximately 70% of motorists agree with the requirements of insurers and acquire unnecessary services to them.

Is it compulsory to insure life while insuring the car? In "Accord", "MSC", "Ingosstrakh" and other insurance companies know exactly what is not. But what happens in practice? And here's what. When you come to make out a policy, there is one thousand and one reason to refuse you. But do you need to go? Then you have to agree to all the proposed conditions or look for another insurer.

What does the law say?

Is it compulsory to insure life while insuring the car? No and no again! And this statement is by no means unfounded, but confirmed by the following laws:

1. "About OSAGO" - this document does not imply the mandatory availability of any other insurance.
2. "On the protection of consumer rights". Thus, Art. 16.2 tells us that it is forbidden to stipulate the purchase of one product by purchasing "into the load" of another.
3. Code of Administrative Offenses, art. 15.34.1. It provides for the liability of the UK for unmotivated refusal to register MTPL, as well as coercion to purchase an additional service. Penalty for such an offense is 50 thousand Russian rubles.

Why additional insurance is optional?

Of course, every driver, even the most careful and accurate, while on the road, risks his life and health. But it's up to him to decide whether it's necessary to insure life with car insurance. Since nowhere, in any legislative act these types of policies are not mentioned together, life insurance is absolutely not related to the operation of OSAGO. As the main law of the state says, a person has the right to dispose of his own health and life. Therefore, in this case, coercion is a direct violation of the current legislation.

Why is this happening? In the first place, unscrupulous insurers do this. Taking advantage of the fact that many consumers do not always know their rights and are not ready to defend them, they are trying to get as much as possible of illegal profits. However, this phenomenon can and should be fought.

How to find a suitable UK

For example, the question "is it necessary to insure life when car insurance" in "Uralsib" will answer only positively. And for some reason it is this insurance company, according to users of social networks, receives the greatest number of complaints. However, other SCs do not lag too far.

There are at least two of the most common tricks, resorted to by unscrupulous insurers. When you come with the intention to re-arrange the insurance, suddenly the forms of OSAGO or the computer program hang up. All the disturbances miraculously disappear when the client agrees to make out additional insurance.

It is very difficult to answer the question of how to find the best insurance organization. The fact is that one and the same SC can work in good faith in one region and allow violations in another.

So, if you doubt whether it is necessary to insure life while insuring the car, in the "VSK", for example, it is better not to go. At least in the Ryazan region. According to numerous reviews of car owners, in most offices of this insurance company you will not even be explained. Do not take life insurance? Then there are no forms of OSAGO, go through a week. However, it is likely that such reviews are erroneous.

How to protect your rights: the first way

Having read up to this place, you probably already understood, whether it is necessary to insure a life at insurance of the car. OSAGO is quite possible to receive and not pay for additional services. How to do it? There are at least 3 completely legitimate ways. As practice shows, they are all very effective.

Knowing about the possible difficulties with obtaining a policy, you will have a voice recorder or two witnesses in advance. Invite the UK employee to register MTPL, but indicate that you do not intend to make any other insurance. At the same time, you can notify the manager of the UK in advance that your conversation is being recorded on the phone, a dictaphone or a video camera. If you are refused, then regardless of the reason, ask for written confirmation that OSAGO can not be formalized.

After that, you will have to put the car in the garage and go to court. To the application you need to attach all the evidence: a refusal, a recording from a dictaphone, written testimony of witnesses and so on.

This method has certain advantages:

• You will receive OSAGO without additional "options";
• You can demand from the offender some amount for moral damage - you were forced to use public transport and very much because of this experienced;
• If the car is used by you for business purposes, you can add the size of the lost profit;
• You can recover real damage: return money for trips by taxi, bus tickets, tokens on the subway and so on.

There is a drawback in this method - the trial can take about three months.

Method of the second

For those who do not have time to wait so long and run around the courts, there is another option:

• Come to any insurance company;
• Declare your desire to receive OSAGO;
• Listen to the manager's groans that there are no forms, then agree to all the conditions;
• Pay for all additional insurance services and get the coveted OSAGO;
• The next day (and you can also in the same) write an application addressed to the head of the branch of the insurance organization with a request to break the life insurance contract;
• As a reason, you can directly indicate that you did not intend to conclude such a contract, and the manager did not explain to you your right to refuse it;
• To the application you attach the policy, contact phone number and bank details;
• Send all this to the UK address by registered mail with an indispensable notice of delivery and patiently wait 14 days.

Since the insurance organization can not refuse to cancel the contract, then within a week (and maybe even earlier) you will be called back by the manager and will offer to specify exactly how you want to receive money.

However, there is one underwater stone, which is worth paying attention to. It means the forfeit, which you have to pay for the cancellation of the policy. If it is more than 10-15% of the cost, then it does not make sense. In this case, the method can not be called sufficiently effective.

Another option: FAS

Visiting the Federal Antimonopoly Service (abbreviated as FAS) can also bear fruit. However, for this you will have to obtain an official refusal to issue MTPL. As you understand, to issue his SC are in no hurry.

If a written refusal is not given to you, but you do not formalize the policy without necessarily insuring life or property, agree. But when signing the document next to your signature in 2 copies, write "without compulsory insurance of property (life or anything else) in the provision of OSAGO was refused." Now with your specimen safely go to Rospotrebnadzor or the nearest FAS office. They will help you to restore your rights, and the SC will be fined.

Conclusion

Since to date, most car owners are still not ready to assert their rights, many insurance organizations continue to conduct their illegal customer service policies. In order to reverse the situation, it is necessary to react to every such case. Since you now know for sure whether it is necessary to insure life when you insure the car in MSK, SOGAZ, Prominstrakh, NASCO or any other company in Russia, you will no longer be able to impose an unnecessary addition to you.