Why do you need an MTPL insurance policy? Seven circles of compulsory motor insurance: why has it become more difficult to obtain insurance? What does MTPL give?

The upper limit of payment under compulsory motor liability insurance is 400,000 rubles

Today's realities are such that many people can afford to buy a fairly expensive car. But buying an expensive “iron horse” is not all, because you need to preserve it as much as possible and at the same time ensure the safety of health and life for yourself and those around you. After all, driving on the road involves many risks, both for the driver and for pedestrians and other car owners. Therefore, purchasing an MTPL policy, or “motor insurance”, allows you to avoid a lot of troubles.

The main purpose of auto liability insurance is to provide the car owner with the opportunity to be guaranteed compensation for damage associated with an accident that occurred through his fault. It is also worth remembering that no compensation is provided for the culprit of the incident and the amount of damage is clearly limited to a specific amount. The cost of such insurance depends on many factors, from the place of residence to the power of the car engine.

Many cautious drivers very much doubt the need for such insurance, but still situations are different, and the policy allows you to save not only cash, but also time.

The auto insurance, of course, also has its disadvantages, for example, the amount may not cover all the expenses associated with an accident and then the owner of the car will be forced to cover the rest of the cost at his own expense.

You can also often come across the opinion that “automobile citizenship” is just wasted money. But, if you look at it from the perspective of the insurance company, OSAGO is not the most profitable view insurance. There are many accidents on the roads of our country, and many companies quickly go bankrupt or try to evade paying compensation under the contract.

For example, insurance companies in many countries around the world compensate for their payment costs by filing lawsuits against road services in court. The most common claims regarding the road surface, which did not allow drivers to fully ensure traffic and which, in fact, caused the traffic accident.

At first glance, it seems that payments under compulsory motor liability insurance are sufficiently protected at the legislative level, but still you should not relax and be negligent in choosing an insurance company. In fact, no one cares who you entrusted to insure your liability, but this should concern you, because if you become the culprit of an accident, you will have to pay compensation to the victim.

IN Russian Federation insurance is divided into two categories: compulsory and voluntary. How does OSAGO work and what is meant by the abbreviation? OSAGO is mandatory for the insurer. By purchasing an MTPL policy, a citizen becomes a client of the insurance company he contacted. After concluding the contract, the owner has in his hands a policy of a strict reporting form or a document printed on A4 paper, certified by seals, as well as a receipt for payment. The policyholders still have copies of the documents and the application. The application contains the full details of the policyholder and all registered drivers. The contract is valid for 1 year throughout the Russian Federation. If the client needs to insure the car for a shorter period, then it is possible to reduce the period of use. In case of an insured event, the owner of the car can contact any office of the culprit. The risk of compulsory motor liability insurance is motor vehicle liability.

Documentation

During the insurance process, the client must provide the insurer’s representative with documents: passport of the owner or policyholder, passport vehicle or vehicle certificate, driving licenses of all drivers included in the insurance. Also, when you come to the office, you need to take with you mobile phone. During registration, you receive a password code, without which it is not possible to make insurance.

Actions of OSAGO in case of an accident

How does OSAGO work in case of an accident? The injured party must contact the at-fault party's insurance company with their policy to obtain payment. If the damage exceeds the limit, then the victim has the right to recover the remaining amount in judicial procedure. Victims can be all individuals who have suffered harm (life, health, damage to property).

How does OSAGO work if you are at fault? The culprit of an accident cannot receive payment for his car, since he is not a victim. How does the MTPL policy work for the culprit? With its help, the culprit does not need to cover the main amount of damage caused to the victim. That is, there is no need to pay for your own or someone else’s car. In order to receive payment for yourself, you must insure your car using voluntary types of insurance. This is CASCO.

Cases of non-payment

How does MTPL insurance work in different cases? The Federal Law “On Compulsory Motor Liability Insurance” includes exceptions to coverage; they are specified in Article 6:

• if the culprit is one vehicle, and insurance is issued for another, the payment is established only for the car specified in the insurance;
• lost profits, moral damage caused due to a traffic accident are not insured events;
• training riding in a special place, tests, competitions;
• pollution environment;
• The liability of cargo carriers must also be insured if damage occurs due to the cargo;
• life and health are not compensated during work if there are other types of insurance;
• the employer's loss due to compensation for harm to the employee is not compensated;
• the car of the person responsible for the traffic accident cannot be covered by insurance;
• during loading or unloading of cargo;
• there is no way to restore values ​​using MTPL.

If the damage occurred due to the above circumstances, there will be no payment.

Examples

The insured vehicle must be subject to civil liability. How does OSAGO work when there is only one participant in a traffic accident (he drove into a tree, a stump, a garage door slammed, etc.)? Such events will not constitute insured events regarding compulsory motor liability insurance. The minimum number of participants in an accident is two. The culprit will be liable, and the victim will have the right to compensation for damages.

Damage to a car for unknown reasons (punctured tires, scratched by a nail, etc.) is not an insured event, since the culprit is unknown and not the owner of the car. For these cases there is CASCO insurance.

The damage must be caused by operation of the vehicle while being moved. For example, damage to a car was caused by another car in a parking lot; the owner opened the door and damaged another car. This is not an insured event and there will be no payment, because the car must be in motion.

If a client has two cars, one had a policy, and the insured event occurred with another car, then there will be no payment, since the policy is tied to one car. The client is required to purchase two insurances, one for each car.

Electronic MTPL

Since 2015, policyholders have had new opportunity- execution of the contract at any convenient time, without leaving home. How does the electronic OSAGO policy work? The client, using a computer connected to the Internet, can draw up a contract independently by choosing the insurance company he likes. To do this, you need to enter all the requested data into the database and pay. Payment can be made in any way convenient for the client: bank cards or type of electronic payment systems. Next, the policy will be sent to your mailbox; you need to print it out yourself, since when traveling by car you need a paper version. Such a policy is an analogue of the insurance of a regular policy on an A4 sheet. Where does electronic MTPL work? Official site public services Allows online registration. The cost when concluding a contract in the office and on the website should not differ, since all insurance companies have the same base. Additionally, the office offers other voluntary insurances, which can be taken out if the client wishes.

Actions of the electronic MTPL policy depending on the year of manufacture of the vehicle

How does it work depending on the age of the car? Before concluding insurance, the owner of the vehicle must enter all the data into the form on the website, put electronic signature and wait for an answer. A failure or error may appear here. The client does not understand why OSAGO does not work. Lack of technical inspection of the vehicle does not make it possible to conclude a contract. Diagnostic card is mandatory document when taking out a policy if the car is more than three years old.

Entering incorrect information into the database

After entering all the information, you need to double-check it, since the slightest mistake will not allow you to formalize the contract. Therefore, in order not to wonder whether OSAGO works, you need to accurately enter the data. If you managed to draw up a contract with errors, then in the event of an insured event there may be a refusal to pay, because an error is the presentation of incorrect information.

System failure

Programs are updated periodically, so if the system does not respond for a long time, you should try to issue a contract the next day.

Fraud

Electronic MTPL gives rise to the emergence of new scammers on the Internet. Compliance with the requirements for the sale of policies is regulated by the Central Bank of the Russian Federation. Behind last year 840 domains with fake sales were removed. After registration and payment, clients do not receive a document by mail, so it is not possible to demand compensation from the insurance company for damages. It is illegal to draw up a contract for a commission, and also if the insurer’s cost of insurance turns out to be much cheaper.

There are rules with which the client can avoid scammers.

1. Independent registration without mediation.
2. The insurer's right to sell the policy. You need to check on the website of the Central Bank of the Russian Federation whether the company has a license. An insurance company may have a license, but for other types of insurance, so you need to check the license for compulsory motor liability insurance.
3. Definition of the company's official website. To identify a site duplicate, you need to check if there is a green circle with a check mark and the signature “Register of the Central Bank of the Russian Federation.” There are also minor changes in the address bar of the fake sites.
4. Look-alike sites attract customers with the signatures “fast, simple, cheaper, I’ll help you get it done.” The cost of the original cannot be several times cheaper and does not change depending on the chosen insurance company; it is regulated by RSA.

Types of MTPL policies

OSAGO is divided into several types:

1. Period of use of the vehicle: full, applicable for insurance for one year; short, from three months.
2. The number of drivers who are allowed to drive: limited, drivers who have the right to drive a vehicle are indicated; unlimited, anyone with legal capacity can ride individual.

The law does not contain information on the maximum number of drivers included in the insurance. But the form contains only five columns. With limited insurance, up to five people can be entered. If you need a larger quantity, you need to choose unlimited insurance. Such insurance will cost approximately twice as much.

Policy price

The cost of insurance is based on the base rate and adjustment factors. Regulates tariffs Central bank Russia has the right to increase or decrease them once a year. But since the cost of cars is growing every year, and accordingly, the prices of spare parts are also increasing, then we are talking about an increase. How does MTPL work based on the territory of registration? Exists certain coefficient, relating to the territory, each region has its own. There is also a system of discounts for customers; the driver’s class depends on break-even, driving experience, and age. Therefore, it is impossible to immediately answer the question of how much insurance will cost. The program itself displays the cost.

Validity of the policy abroad

How does OSAGO work abroad? The policy gives the right to the owner of the vehicle to transfer liability to the insurance company only within the Russian Federation. Before traveling abroad, you will need to buy similar insurance, which is required in other countries - a Green Card. The document is checked at customs, you can purchase it from insurance companies, and sometimes registration takes place at the border. Tariffs are standard for everyone, but depend on the duration: for one year the cost will be around 12,000 rubles, 15 days - 1,300 rubles.

Obligation to purchase insurance

Throughout the Russian Federation, the use of a motor vehicle is possible only with an MTPL insurance policy. After purchasing a car, the owner is required to insure the car within ten days. The policyholder and the owner of the vehicle may differ. The policyholder can be any legally capable individual who has provided all Required documents.

Lack of insurance policy

When driving motor vehicle without obligatory insurance policy the owner needs to pay a fine. If he becomes the culprit in an accident, there is an obligation to independently compensate for the damage to the victim.

If the previous contract has expired, but the car will not be used for a long time, then it is not necessary to insure it again. There is no fine for cars parked in a garage.

Why compulsory motor liability insurance if the culprit pays: what does the “automobile insurance” cover, how is compulsory motor liability insurance different from CASCO, who pays for what in the event of an accident

According to current law, every driver must have a policy confirming his liability insurance.

However, not everyone understands Why do you need compulsory motor insurance if the person who caused the accident pays? Does the injured and guilty party need a policy?

We will try to find out what such insurance covers, who should pay compensation for damage caused, and in what cases.

Why do you need compulsory motor insurance if the person at fault for the accident pays?

Despite the fact that the law on compulsory liability insurance for motorists was adopted 15 years ago, some people still confuse compulsory motor liability insurance with comprehensive insurance and generally do not understand why compulsory motor liability insurance is needed.

Beginners and even experienced drivers mistakenly believe that an auto insurance policy protects their own car.

Some require their insurance company to cover the costs associated with repairs to their car. Alas, this is not so!

The MTPL policy only works if the policyholder causes damage to other cars. The auto insurance policy does not apply to the policyholder's car.

And the question “Why compulsory motor liability insurance if the culprit pays” can be answered like this: OSAGO required the culprit of the accident to shift the burden of compensation onto the shoulders of the insurer.

If you are found at fault for an accident, the policy issuer Insurance Company will be required to pay compensation on your behalf.

Why was OSAGO introduced?

The idea to introduce a compulsory “automobile citizenship” arose in the Soviet Union almost 60 years ago. Only towards the end of the 20th century the number of vehicles in our country began to increase sharply, and along with this, cases of road accidents became more frequent.

Most often, those responsible for the accident were unable to pay for repairs to the car they damaged. The victims were left with nothing and were forced to spend own funds to restore the car or demand compensation for losses through the court.

For 10 years, Russian parliamentarians have been thinking about how to regulate this question at the legislative level. And in 2003, the law on compulsory motor liability insurance was finally adopted.

Since 2015, policyholders have been able to issue e-MTPL via the Internet, and a couple of years later, online sales of policies became mandatory for all Russian insurers.

Thanks to the online compulsory motor liability insurance calculator, any car owner can quickly calculate the amount of insurance premium for their car. The policy received by e-mail must be printed on paper - and the insurance is ready!

Now drivers no longer have questions about why they need MTPL insurance and how to get it.

How to insure your car

So, MTPL does not apply to the policyholder’s vehicle, i.e. to our car.

But naturally, every driver would like maximum protection for his own car.

Such protection is provided by another type of car insurance - CASCO.

The motor insurance policy covers such risks as:

• hijacking,
• complete destruction of the vehicle,
• damage from fire, flood and other disasters.

It is not necessary to purchase such a policy, but it is advisable. After all, no one is immune from a variety of troubles that can happen to an expensive car.

Having a motor hull insurance policy is often prerequisite when buying a car on credit. The price of this service is high, but when insured event the costs will be borne not by the car owner, but by his insurer.

Conclusion

So, let’s repeat the answers to the most important questions that interest many motorists:

1. Why do you need compulsory motor insurance if you have comprehensive insurance?
   Casco covers the risks associated with damage to your own car. OSAGO is required in case you cause damage to other vehicles.
2. 
   If you are the injured party, then your MTPL policy is not involved in the case. If you are the culprit of the accident, the insurer will pay for the damage instead of you.

Total: By purchasing an MTPL policy you insure your liability! And in in case of an accident It is not you who will pay for the repair of the victim’s car, but the INSURER!

Agree, I don’t want to give 100-200 thousand rubles out of my own pocket. I don't! And you?

Today, car insurance is not a luxury, but a necessity. The obligatory type of car insurance is OSAGO, the voluntary type is CASCO. Insurances differ from each other, so even if you have CASCO, compulsory motor liability insurance must be taken out

Butter oil, or why pay twice?

The law clearly states that compulsory motor liability insurance is mandatory type car insurance. This means that every driver must have a policy. You simply cannot drive without it, otherwise you will have to pay a fine.

Image 1: Extract from Article 12.37 of the Code of Administrative Offenses of the Russian Federation

OSAGO implies payment insurance compensation if the car owner is at fault. That is, in the event of an accident, the insurer covers the costs of repairing the injured party’s car. And the person responsible for the accident has to repair the car at his own expense. Maximum amount mandatory payments – 400 thousand rubles.

CASCO insurance is issued on a voluntary basis. The insured events under this insurance are much wider - theft, theft, damage, etc. Can be enabled Additional services– departure of the emergency commissioner, evacuation, collection of documents, etc.

The cost of the policy depends on various factors - the year of manufacture of the car, repair costs, etc., so it can cost a pretty penny. But on the other hand, in the event of an accident, such insurance can help out a lot. Since the insurer covers the costs of repairing the car of the owner of the CASCO policy. The only thing is that the costs of carrying out repair work must not exceed the insurance amount for which the vehicle is insured.

In comprehensive insurance, it doesn’t matter who the culprit is. Payment is made only to the owner of the comprehensive insurance policy and it does not matter whether he is guilty or not.

Important! If you think logically, it turns out that a compulsory motor liability insurance policy is not needed at all, because CASCO covers damage only to the owner of the CASCO policy, and the amount insurance compensation much higher. Despite this, even if you have CASCO insurance, you definitely need MTPL!

Do you need MTPL if you have CASCO, or which insurance option is better?

We found out that a compulsory motor liability insurance policy is a mandatory attribute of every driver, and registration of CASCO insurance is a purely voluntary matter. So is it worth additional insurance for the same car? Let's conduct a comparative analysis .

The table shows that both types of insurance have their pros and cons. Therefore, we recommend voluntarily insuring your car if it is too expensive. This will make you feel calmer financially and morally. You can calculate the approximate cost of insurance on our website.

In other cases, there is no point in overpaying for what is already provided for by the mandatory policy. The question of whether a compulsory motor liability insurance policy is needed if there is CASCO insurance can be considered closed.

Is it worth voluntarily insuring your car?

Although CASCO is not cheap, about 10% of the price of the vehicle, the contract guarantees payments not only in the event of an insured event, but also in force majeure circumstances. Damage is compensated by money or repairs.

In some cases, for example, when buying a car on credit, CASCO is a prerequisite. This is due to the fact that banks are trying to protect themselves. If you refuse to take out a policy, you may not be given a loan.

But if you look from the other side, the future owner of a brand new car is better off agreeing with the bank and signing up for a “volunteer”. Repairing new cars is quite expensive, but if an accident occurs due to his fault, then, according to OSAGO, he will have to cover the damage to his car himself!

Have you taken out a car on credit and are you wondering if you need to apply for compulsory motor liability insurance if you have CASCO insurance? Of course we should. Having voluntary insurance does not exempt you from compulsory insurance.

“Obligation” also has its advantages. For example, discounts for accident-free driving (), insurance payments even if the insurer goes bankrupt.

What insurance to use in case of an accident?

Image 2: CASCO or OSAGO

If both policies are in hand, in case of an accident the question arises, which one is better to receive insurance compensation for?

• Conditions of the insurance contract.
• Extent of damage.
• Who is the insurer?
• Circumstances of the accident.
• Speed ​​of payment (“volunteer” is paid faster).

Important! If you are not the culprit of the accident and the amount of damage is less than 400t. rub. It’s better to use OSAGO. Since if you decide to receive a payment under CASCO, then next year the CASCO policy will be significantly more expensive for you.

Regardless of who is at fault for the accident, the insured must have mandatory policy. Therefore, there is no need to doubt whether you need to do OSAGO if you have CASCO insurance. Otherwise, problems may arise with payment.

Attention! To avoid problems with insurance compensation, drivers who are allowed to drive must be included in the CASCO policy. If the driver is a person not named in the policy, there will be no payment. If it is unknown who will drive the car, it is recommended to buy unlimited CASCO insurance.

Where is the best place to take out compulsory and voluntary insurance?

We figured out whether a compulsory motor liability insurance policy is needed if you have CASCO insurance. Now let's talk about which companies are better to buy them from - one or different? At any! But there are small nuances here. When concluding two contracts with one insurer, discounts may be provided. It also speeds up and simplifies the paperwork process.

When contacting different companies there is a risk that one of them will turn out to be unreliable. If you do not take this into account, then it is worth looking at the offers of different insurers. They may have more profitable terms under CASCO than in the one where compulsory motor liability insurance was issued.

Having trouble choosing? Auto-Service will help! Contact our consultants to get the information you need.

Having caused damage, you will be exempt from compensation, and the costs of the victim will be paid by the insurance company from which you purchased the MTPL policy. Don’t forget about the opposite situation - if your car is damaged in an accident, the insurance company will pay for its restoration. But this is provided that the participants (victim and culprit) have valid policies OSAGO.

There is another option when both drivers are to blame for the accident. In this case, the amount of the insurance payment to be paid will be determined taking into account the degree of responsibility in the accident of each participant.
Thus, by purchasing compulsory motor liability insurance for a car, you do not insure your own car or your life or health, but your risks of getting into an accident and causing damage to third parties.

What does OSAGO provide and what does it insure against?

How much does OSAGO insure?

• for 400,000 rubles. when causing damage to the property of third parties (and not only cars, but also other property damaged in an accident, for example, fences, poles, traffic lights, etc.);
• for 500,000 rubles. when causing harm to the life and health of third parties (not only those injured in another car, but also pedestrians).

Moreover, if there are several injured persons, the indicated amounts are not distributed among everyone, but payments are made to each victim within the limits of 400 thousand for property and 500 thousand for life and health.

OSAGO provides coverage for damage in the following cases:

• The policyholder damaged one or more vehicles.
• The insured car owner was at fault for the accident. The driver and passenger of the other vehicle received injuries of varying severity.
• Damage to a third party - damage to buildings, structures, and other objects, an animal being hit.
• The owner of the car hit a person, causing injury or death. The victim's family has the right to receive funds in connection with the loss of a breadwinner and to compensate for the costs of the funeral ceremony.

The insurance company has every right to refuse compensation for damage in the event of damage to the car during a competition, test or training run, or damage to transported property due to the fault of the driver.
The terms of the contract do not include compensation for riots and civil unrest, strikes, civil war or a nuclear explosion.

You should not count on financial assistance if your car is damaged during loading or unloading heavy objects, or destruction of antiques or items made of precious metals and semi-precious stones, cash, important documents, works of art and valuable literary publications.

What can a victim expect?

1. In case of complete loss of the car, the victim in an accident is compensated under compulsory motor liability insurance (within established limit under compulsory motor liability insurance) the value of the property on the day of the insured event minus the value of the usable balances.
2. If the vehicle is damaged, then the costs of bringing the vehicle into condition before the accident are reimbursed.
3. Also, compulsory motor liability insurance reimburses other expenses that the victim incurred in connection with the harm caused (including evacuation of a vehicle from the scene of a traffic accident, storage of a damaged vehicle, delivery of victims to a medical organization).

How long does it take to insure a purchased car?

According to requirements the federal law dated April 25, 2002 N 40-FZ driver (or entity), who has become the owner of a car, must insure his civil liability before registering the vehicle, but no later than 10 days after its acquisition.

Currently, there is no great difficulty, especially in Moscow, in purchasing an MTPL policy. Therefore, you should not neglect this type of insurance.

Responsibility for driving without compulsory motor insurance

For driving a vehicle without compulsory motor liability insurance, fines are provided for by the Code of Administrative Offenses of the Russian Federation Article 12.37 (Failure to comply with the requirements for compulsory insurance civil liability of vehicle owners).

In accordance with this article, two fines can be applied:

1. Five hundred rubles - if there is an MTPL policy, but the driver violates the terms of the MTPL agreement (including driving a car, but is not included in the MTPL policy).
2. Eight hundred rubles - this fine is applied if the owner of the vehicle has not fulfilled his obligations for civil liability insurance or if you are driving a car whose owner has not fulfilled his obligations for insurance.