A genuine OSAGO insurance policy is not only financial assistance in the event of an accident, but also full statistics on driving a car owner. To verify the validity of your policy, you can use the following publicly available methods. How to check the insurance policy for authenticity will be discussed in this article.
What is CTP for?
The name of the policy shows that it is needed for motor third party liability insurance. Moreover, this type of insurance is mandatory for all drivers.
Thanks to the MTPL policy, the car owner receives a guaranteed compensation for material damage caused by the accident, naturally, when the owner of the insurance is the culprit of the accident. However, it should be understood that not in all situations it is possible to compensate for the damage caused only at the expense of the amount of money that is due to the driver under insurance. This policy is very convenient in that the driver does not need to spend his own time, nerves, and also money in the event that he was the culprit in the accident. The fact is that the insurance company will deal with compensation for the damage caused. And, of course, we should not forget that the monthly amount of the insurance payment, as a rule, is much less than compensation for the damage caused. Thus, for any citizen who may get into an accident, compulsory motor third-party liability insurance will be a rather useful acquisition. That is why it is imperative to verify the authenticity of the MTPL insurance policy.
In addition, the price of the CTP insurance policy, the size of payments, as well as many other nuances are determined in accordance with the law, which makes it possible to minimize all disputed issues. At the same time, the law defines the size of the minimum contribution, that is, no one forbids the car owner to pay a month and a large amount, thereby receiving a larger compensation.
How to find out the authenticity of the insurance policy
To avoid buying fake OSAGO for vehicle insurance, you need to contact only those branches of companies that are listed on their official website. In addition, you can call the central department of the insurer and consult about this issue.
On the form of the CTP policy, a number of special features are provided by which you can distinguish a fake from an original document:
- The original of insurance is a little longer (about one centimeter) of an A4 sheet.
- On the front side, you can find a surface completely covered with a greenish-blue microgrid.
- If you bring the form to the light, you can find watermarks - this is the emblem of the PCA.
- On the back of the policy on the right is a narrow (about 2 mm) metal strip.
- On the surface of the form there are red blotches.
- The form itself should not paint hands or other touching objects.
- The policy number consists of ten digits located in the upper corner on the right side, it should be convex to the touch.
So, asking a question about how to check the insurance policy for authenticity, you can use the above tips and methods.
What to do if the policy is fake?
If it suddenly turns out that your insurance document is a fake, then it is best to buy another one, and with a fake you should go to the police to institute a criminal case. In a situation where law enforcement agencies find an unscrupulous seller, we can hope for a refund of the cost of a previously purchased policy. In the event that the driver himself decided to save and purchase a fake document, it is important to remember the possible consequences. Firstly, if the car owner becomes the culprit of a traffic accident, then he will pay the injured party from his own pocket. Secondly, he will be deprived of a driverโs license, and will also be prosecuted or administrative, in addition, they will write a heavy fine. In order not to fall into such an unpleasant situation in the future, you must know in advance how to check the insurance policy for authenticity.
How to avoid becoming a victim of scammers
If an unfamiliar insurance agent offers to purchase or extend the CTP policy in the same company or in the office where the contract was previously drawn up, you should definitely ask him to submit a power of attorney for the right to this activity. In addition, you need to call the central office of the insurance company and ask if such an employee works for them. You should also not save on the purchase of a binding document, you can not get it from hand in clandestine places. It is better to overpay a little and be sure of its validity, so that later you do not wonder how to check the insurance policy for authenticity.
Useful Tips
When concluding an insurance contract, you should contact a time-tested company. When choosing it, it is better to inquire the opinions of people experienced in this matter. As practice shows, driver reviews are the most faithful. In addition, the verification of the MTPL policy should be carried out at the time of signing the contract, that is, on the spot. Itโs better to be safe again than to solve unexpected problems later.