After the entry into force of the Government Decree No. 567 of June 2, 2015 on amending Federal Law No. 40 "On OSAGO", car owners were able to issue electronic OSAGO policies. Over the past year and a half - until January 1, 2017, many insurance companies resisted this innovation, refusing to sell OSAGO policies in electronic form and citing "technical reasons". Thus, they forced to purchase policies directly in the offices of companies, where insurance employees could impose additional services. From January 1, 2021, at the request of the Central Bank, all insurance companies were unconditionally obliged to provide the opportunity to purchase electronic MTPL on the websites of insurers.
In this article we will consider what constitutes an electronic OSAGO; what are its advantages, disadvantages and differences from a paper certificate; how to use it on the road and whether you need to carry it with you.
An electronic MTPL (compulsory motor third party liability insurance) is a policy drawn up via the Internet and being an analogue of a paper document.
This insurance has a number of features:
Important: the only difference from the paper version is that the electronic document is not printed on a special form with a state sign.
Note: OSAGO is successfully issued in many insurance companies of the country, starting from July 01, 2015.
In appearance, electronic insurance practically does not differ from the policy received at the office of the companies.
This document displays:
Shows the full name of the person who owns the vehicle.
At the same time, the question “is it possible to drive without a PTS” at legal and automotive forums with striking frequency. In this article, we will consider in detail what a PTS is, what is the procedure for its registration, what controversial situations when driving without it can arise, and we will give useful recommendations. Experienced motorists recommend not to write "stolen", because until the criminal case is closed, you will not be given a duplicate of the title. The car is inspected, and the owner receives a vehicle passport in which Fr.
Is it possible to drive without a Title Deed if it has not been issued? A direct prohibition is spelled out in clause of the Regulation on PTS, which states that the presence of a properly issued PTS is a prerequisite for registering a car and its admission to road traffic. A copy of the PTS issued at a car dealership when buying a new car to temporarily replace the original that has not arrived from the car cannot serve as a replacement for the original PTS, the car cannot be registered with it.
And driving a car that is not registered in the prescribed manner, the driver violates the traffic rules of the Russian Federation and will be punished under articles of the "Code of the Russian Federation on Administrative Offenses" dated 30. 2. 001 N 195-FZ (ed.
However, this opinion is erroneous. The insured and the owner are different persons under OSAGO when making out a policy. In the form itself, 2 separate columns are allocated for them. This means that another person can issue OSAGO without an owner. It can be any driver allowed to drive a car. Thus, the presence of the owner when registering OSAGO is not obligatory at all. However, his name fits into the car insurance policy. The insured person becomes the person who entered into the OSAGO contract and, accordingly, made the payment. He automatically becomes a driver included in the car insurance policy, that is, he is covered by insurance coverage. For the owner of a car, when registering OSAGO not for the owner, it is not necessary to fit into the policy as a driver.
To register a vehicle with the traffic police, you must first undergo a technical inspection - get a diagnostic card (vehicles under 3 years old do not need this!), and then issue an OSAGO insurance policy (Compulsory Motor Third Party Liability Insurance )!
In order to issue an OSAGO policy, you, of course, will have to provide your insurance company with a certain list of documents.
From January 1, 2021, the rules for filling out travel tickets have changed. The cases in which it is needed have expanded. In the article, we will tell you when you need a waybill and how to correctly issue it according to the new rules.
A waybill is a document of accounting and control of the vehicle and driver's operation.
The law prohibits the transportation of passengers, baggage and cargo by vehicles without a waybill (Federal Law of 08.1007 N 259-FZ).
The waybill is one of the mandatory documents that the driver of a corporate car must have with him. This obligation is spelled out in clause 2.. Road traffic regulations.
From January 1, 2021, a waybill must be issued for each vehicle of a legal entity or individual entrepreneur, and not only for those that carry goods, passengers and luggage. This rule was introduced by order of the Ministry of Transport N 368 of 11.9020.
Waybill - the main document confirming the actual consumption of fuels and lubricants for production purposes. The cost of spent fuel and lubricants is included in expenses by type of activity or as part of other expenses.
Also, the waybill can be used as a primary document to confirm the fact of the provision of services and their volume, if this is specified in the contract.
The waybill is the most important document for monitoring and recording the operation of a vehicle and a driver. For the purposes of accounting and tax accounting, the voucher confirms the costs of wages for the driver and fuel and lubricants. In 1C programs, waybills are not automatically calculated and not issued, with the help of other tools, the cost of fuels and lubricants is recorded:
The final write-off of gasoline and other fuels and lubricants is drawn up in the same way for all options for accounting for fuels and lubricants with the document "Requirement-waybill".
After losing the vehicle certificate, the owner will need to contact the local GIDD office to obtain a duplicate STS. Thanks to the adoption of the new regulations, now obtaining a duplicate takes a minimum of time. The owner can receive a duplicate of the STS within one day if he has no problems with documents and cars. There are several ways to restore a car license:
The difference between the two methods of obtaining evidence is only in the waiting time. If, when registering through public services, the owner is assigned a specific time, and he does not expect to receive more than fifteen minutes, then when submitting documents in the order of a general queue, such a wait may take several hours.
When drawing up a statement, do not write that the reason for the loss of the certificate is its theft. Then the traffic police will require you to submit a certificate from the police confirming that a criminal case was opened for this circumstance and that it was closed at the time of submission of the documents. The consideration of the case may take several months, and driving without a certificate is not allowed.
Mandatory documents that must be issued for the car
The documents for the car are STS, SORTS, which must be drawn up. But there are situations when the driver loses his license to the car. What action should the driver take in this situation? This article will tell you what to do if you lose your TCP. It will also tell you in detail how to restore the STS to the car.
It is important to remember that STS is not a registration certificate, but another document. Its loss will certainly lead to many problems, up to fines and arrest.
How to return the STS
You can restore your rights at the traffic police department that registers cars. This department is called MREO. The request should be made by the organization that is closest to the place where the driver is registered. The main and only reason for refusal is considered to be an appeal to an organization outside the place of residence.
MTPL policy is an insurance document necessary for motorists, which can be purchased from a private insurance company or from large associations such as Rosgosstrakh or RSA. You have to pay for the purchase and renewal of OSAGO, which some citizens try to get around by presenting fake documents as the original. Fraudsters are also capable of making an exact copy of a weakly protected policy of the 2015 model for other purposes. To avoid this, innovations were introduced in 2021 and 2021. Two new samples were created at once: electronic and updated paper, with a pink tint.
According to official comments, the innovation was carried out in order to stop the constant forgery of old policies of the 2015 model. The new form will be much more difficult to forge. According to the assurances of the official representatives of the designers of the new form, the scammers will be able to establish a fake algorithm no earlier than in two years. During this time, it is planned to completely transfer the insurance document to an electronic medium.
What is the difference between the two updated versions and the old one, what are the methods of obtaining them? And why was the old sample unprotected? More details below.
The general characteristics of the policy are justified by the fact that it is issued by the state, engaged in the field of printing and other important documents. Therefore, approximately the same security technologies and design fundamentals are used as for paper bills.
The main general properties of the form are:
The design of the 2015 sample is soft, nothing distracts from the content. In general, an insurance policy consists of two main parts:
The fill area has remained unchanged for some time, despite modifications. In 2021, it has not changed. Its main quality lies in its simple design, which is convenient for filling out and reviewing all the written information. Visually, the policy is divided into several zones, namely:
Each of the areas is divided into subspecies. So, the header contains a stamp, serial number and other information fields.