How to check the MTPL policy for authenticity

A fake OSAGO policy can bringcar owner serious problems. Starting from the fines for the actual absence of compulsory insurance and ending with non-payment of compensation in the event of an accident. But how to check who is covered with the MTPL policy and is it not fake?

Why should we worry?

Поводом служит тот факт, что не всегда документ is purchased at the office of the insurance company. Often insurance is extended through an agent who is not listed in the state of the organization, and his earnings depend on the percentage. It may happen that such an "employee" turns out to be a fraud, which, along with these policies, "draws up" false ones. To do this, falsified forms of the existing insurer are used, or authentic ones, but belonging to the bankrupt company.

Also with you can contact brokecompany-insurer, which will offer a policy with a huge discount. This should alert, since in the field of OSAGO discounts as such are not possible, except for the bonus-malus ratio, because prices are regulated by the Central Bank. Therefore, there is a possibility that you are trying to sell a fake.

The offer to issue a backdraft policy alsoshould cause suspicion. Most likely, the insurer was revoked a license, but the company is trying to make at least something in the end. Of course, its forms are no longer valid.

Scan on the basis of SAR

So, how to check the OSAGO policy by last name, registration number, driver's license number or insurance number?

It can be done quickly and for free,using the website of the Russian Union of Auto Insurers (RSA). A number of other resources also offer this possibility, but they still request information from the RSA database.

It is enough to enter the form number, and you will receive information about the date of its issue, the name of the firm for which it is issued, and the status of its license.

Well, if the question of how to check the policyOSAGO, you care before buying, not after. Therefore, it is desirable that your mobile phone or tablet has an Internet connection. Ask the insurance agent for the form in which he intends to make your data, and poke his number on the basis of SAR. It is clear that if a document with the status of "spoiled", "stolen", "lost", and also if the name of the insurance company does not coincide, then such a policy can not be bought.

Visual inspection

How to check if a MTPL policy is valid ifat hand is there no Internet access? Carefully inspect the document. Forms of policies prints Goznak, so they have signs of protection. If desired, you can "expose" even a very high quality fake.

1. The blank should be 9-10 mm longer than the usual sheet of A4 paper.
2. Feel, stroke the obverse of the policy. The original has a special fabric texture (like a money note) and feels different from ordinary paper.
3. Bring the form to the light source to find out if there are watermarks on it. You should see a large PCA logo.
4. Examine the back of the document and findMetallized thread 2 mm wide. It should be diving and not feel to the touch. If the thread is simply glued or easy to grope, you have a fake in your hands.
5. With a close examination you will see on the surfaceForm small red villi. They glow in the ultraviolet. It is clear that you do not have a special lamp, but please note that it is practically impossible to recreate these fibers.
6. A fine guilloche pattern that formsthe green background of the policy, is too complicated for a conventional printer, besides it is performed by gravure printing - the lines are pressed into the paper. If you hold a finger on the pattern on the original, you can feel the relief.
7. The document must be green and have a series of EEE. Since May 1, 2015 green forms of the BBB series are no longer used, and blue forms of the AAA series are completely outdated.
8. The ten-digit number must have a relief and be probed.

Compliance with the procedure

It is useful not only to know how to check the policy for OSAGO, but also how the overall procedure looks like.

If you cooperate with an agent, be sure toask to show a contract with the insurer, whom he represents, and a power of attorney to sign the contracts. Make sure that after completing the transaction you have received all the necessary documents:

• policy;
• rules of the policy;
• a sticker on the windshield;
• a copy of the payment receipt;
• forms of notification of an accident;
• list of branches of the insurer.

And before that it would be good to check if the license of the insurance company is valid. This can be done on the website of the Central Bank.

If a fake is noticed too late?

What to do if the issue of how to verify the policy of OSAGO, you are too late - after you have sold the fake insurance.

If the worst has not happened yet, as soon as possible, complete this policy, and "lime" take it to the police and write a statement. Then you will not be attracted for forgery of documents.

If there was an accident, and through your fault,Be prepared to pay the damage yourself. Theoretically, you can also contact the police. If those who sold you a fake, you will find, then you can try to recover the amount of damage caused in an accident from these persons.

Now you know how to check the MTPL policy using the SAR database and carefully review the form for the presence of protective signs on it.