As the number of cars increases every year in large cities and not only, this situation leads to an increase in road accidents. And in order to restore a vehicle after an accident, owners have to bear significant costs.
But today, each of them has a solution available that allows them to minimize the cost of repairing a car in an accident. To do this, you just need to use the compulsory insurance program. And for starters, each owner who plans to take advantage of such an offer should learn about the list of documents that are required for car insurance.
Under OSAGO it is accepted understand the compulsory insurance system, the norms of which are regulated by law. The owner of such an insurance policy gets the opportunity to compensate for the damage received upon the occurrence of an insured event.
A couple of decades ago when the law on compulsory insurance was not passed yet, conflicts arising between the parties to the accident were resolved independently. She did not always manage to come to a compromise, so the case often went to court. In addition to solving its main tasks, the law on OSAGO was also intended to reduce the load on the country's ship system.
Functions for the provision of insurance services were assigned to special organizations commercial type. To provide services of this kind, they must necessarily have the appropriate license. Also, for the legal provision of such services, the insurance company must be a member of the Russian Union of Auto Insurers.
Having concluded an agreement with an insurance company, the client assumes the obligation to make regular insurance payments, and the insurance company, for its part, undertakes to pay the amount of compensation in the event of an insured event.
Each owner must comply with the main rule - it is unacceptable to use a vehicle without an insurance policy if it is planned to drive on roads of general importance. If the inspector asks for an insurance document, the driver is obliged to satisfy it.
What to look for when registering OSAGO?
Even before preparation the necessary package of documents for issuing an OSAGO insurance policy it is necessary to resolve the issue with the insurance organization. There are many companies of this kind on the insurance market today. And it is logical if the choice will be made from the standpoint of the most optimal conditions for the client. Therefore, to make the right choice, you need to consider the following characteristics:
- The reputation of the insurance company;
- Working hours in the insurance market;
- Pricing policy of the company.
- The presence of additional bonuses.
Insurer reputation
Every owner who interested in obtaining an insurance policy, runs the risk of stumbling upon scammers. Today, not only ordinary companies are represented on the insurance market, but also broker firms. The latter differ in that they offer their services, representing other organizations. To remain satisfied with the quality of the services provided, you must first of all pay attention to the company's reputation. In this regard, it does not hurt to pay attention to how long the organization has been offering its services on the market, what is its percentage of payments made upon the occurrence of an insured event, and what customer reviews are.
Term for the provision of services
If the driver is going cooperate with the company for a long time, then the organization, for its part, can reduce the size of regular payments. Therefore, in order to save money, it is more correct to choose a company with which the car owner will work for a long time.
Pricing policy of the company
Insofar as the requirement to issue an OSAGO insurance policy is established by law, it also regulates the cost of this procedure. Therefore, no matter which company the car owner turns to, the price range will be insignificant. In this regard, the search for a company that would offer the lowest price for the policy is meaningless.
Additional bonuses
On the market many insurance companies work that offer regular customers to take part in loyalty programs. Each client can count on receiving bonuses if he left for a year without a single accident. Subsequently, if the driver decides to purchase a policy from another organization, then he can get a big discount. But as soon as he gets into an accident, he immediately loses the opportunity to use the bonuses he has.
List of required documents
Even before sign an agreement with an insurance company, you need to find out what documents are needed for car insurance. Depending on whether an ordinary citizen or a company applies for a policy, the list of documents will differ. For individuals, the following list of documents for issuing an OSAGO policy has been established:
If an organization applies for insurance, then she must present the following documents:
- Vehicle registration certificate;
- Power of attorney authorizing to act on behalf of the company;
- Certificate of state registration;
- Organization stamp;
- Driver's license;
- Passport.
When registration of an MTPL car insurance policy by a legal entity her interests must be represented by a person who can present a power of attorney issued by the director of the organization or his deputy. In addition to the documents listed above, which must be presented when insuring a car, an application for concluding a contract must be attached to it, which must be completed in accordance with the established template. You can write a statement at home or right at the place of insurance.
Sometimes for insurance purposes you may need to provide a certificate containing information about insurance in the previous company, if a decision is made to terminate the contract early. Typically, such a document should contain the following information:
When the signing of the contract takes place, the insurer hands over to the insured the original of the CTP insurance policy, which must be certified by signatures and seals, as well as a list of branches in the company that the client can contact for service. In addition, two accident notification forms are sent to the client.
Registration procedure
When all the documents required for obtaining insurance are ready, you can proceed to the procedure. The policyholder is required to write a statement certified by his signature.
When the policyholder make sure that the specified data is correct, he receives a sample insurance policy, which he also has to fill out. If everything is done correctly here, then at the end the representative of the insurer puts his signature. After that, the original of the completed document, certified by the signatures of each of the parties and seals, is transferred to the policyholder.
When calculating the cost of an auto insurance policy various factors are taken into account. The following characteristics have the greatest value on the price of an insurance product:
Besides, the final cost depends on the region of registration of the vehicle... This factor has an impact due to the fact that different levels of accidents prevail on the roads in different regions.
The insurance contract is valid for one year. When this period comes to an end, a new contract is concluded. If the car insurance policy is issued for cars that go through the country in transit, then it is permissible to conclude an agreement for a shorter period - 6 months.
Conclusion
Auto insurance policy OSAGO is a mandatory document, which must be issued by each owner of the car. Leaving without this document is an offense and is punishable by various sanctions. When going to insure a car, a car owner can choose one of many companies. Due to the fact that the key parameters of the OSAGO policy are regulated at the legislative level, the cost of the contract in all companies is approximately the same.
That's why when choosing an insurer, you need to pay attention on other characteristics: reputation, percentage of payments made for insured events, the presence of additional bonuses, etc. This will help not only protect yourself from troubles that may arise as a result of an accident, but also get a lot of other benefits.
