Not so long ago, compulsory motor third-party liability insurance policies rose significantly, which is why motorists had to spend a lot more money in order to protect themselves on the road. Such events led to the formation of non-accredited organizations in the insurance market, offering citizens to get a policy for less money. Of course, if you check the OSAGO policy by SAR, then you can easily determine its reliability. This is not particularly difficult.
However, some car owners intentionally buy such fakes, so that in the event of a meeting with a traffic police officer not get a fine. However, if he decides to check the CTP insurance policy, the car owner will have to answer in court for using the fake document.
In addition, invalid insurance forms can play a trick in a traffic accident situation. If the driver is really the culprit of the incident, then he will have to indemnify all the damage from his pocket. Of course, scammers will not do this for him.
That is why, after acquiring the document, experts recommend independently checking the insurance policy on the basis of the RSA (Russian Union of Auto Insurers). If the āauto-citizenā turns out to be false, then on the organizationās official website or at the nearest representative office you can file complaints and try to recover damages from scammers.
How it works
To check the CTP policy on the basis of the SAR, it is not necessary to study the data of the insurance companies themselves or require special information from them. The easiest way is to go to the official website of the Union of Auto Insurers and go to the "Check CTP Policy" section. Next, you need to select "Information about policyholders". After that, a special form will open, in which you will need to enter the series and number of the insurance form. When all the data is specified, it remains only to click on "Search" and wait for verification.
How to check CTP policy for authenticity by SAR
To determine whether the present form of "citizen", just look at the result of the check:
- This policy will indicate its number, series, date of registration and expiration of the contract. Also, the name of the company that issued it will be highlighted. In addition, users can check the status of the form. Usually the site indicates that it is in the hands of the car owner. All data in the table should fully comply with the information indicated on the paper policy. If the status or other facts do not coincide with reality, it is recommended to contact the policyholder.
- If it is not possible to verify the CTP insurance policy number by SAR and instead of the table with the data on the insurer the error āForm not foundā appears, then this only means that the document holder has acquired fake paper. In this case, it is necessary to contact the feedback on the site and clarify further actions.
What other options are invalid policies
Sometimes, before checking the compulsory motor third-party liability insurance policy on PCA, motorists are surprised to find that the āStatusā field indicates that the form is with the insurer. In this case, the car owner was given an elementary copy, not the original document. Therefore, it is necessary to contact insurers as soon as possible and find out the reasons for this error.
Also, if you check the CTP policy by number, the PCA database may issue a third option. In this case, the āStatusā field will indicate that the form has completely lost its force. In addition, the date of conclusion and termination of the contract will not be indicated. This means that this policy was indeed issued to the car owner, but after that the document was canceled unilaterally. The driver could not even guess about it.
In addition, the āStatusā column may indicate that the policy is in the hands of a motorist. The dates of conclusion and termination of the contract will also be written. The last parameter is very important, since if the contractual obligations have already expired, then the form itself is considered expired.
How to identify visual identity
Of course, it is impossible to check the OSAGO policy on PCA immediately. Therefore, being in the office of the insurer, it is worthwhile to carefully study the issued form:
- Its height should be slightly longer than a regular sheet of A4 paper.
- On the front side there is definitely a special bluish-green microgrid.
- The certificate must be distinguished by clearly visible watermarks, on which "PCA" is indicated.
- On the right side there should be a small metal strip (not more than 2 mm wide), designed to provide additional protection for the document.
- The policy paper itself is made interspersed with red fibers, which must also be present on the form.
You also need to pay attention to ink. If, after several minutes of holding the form, traces of paint remain on the fingers, this indicates that the document is guaranteed to be fake. Ink should not be spread or smeared.
In addition, it is worth remembering that the policy number should consist of a 10-digit digital code, which is indicated in the upper right part of the form. At the same time, the numbers themselves should be slightly convex.
To date, it is allowed to issue forms of only one series - EEE. If the car owner is offered to issue a different type of policy, then he is dealing with scammers.
What to do if I bought a fake form
As soon as the motorist was able to verify the CTP policy for authenticity by SAR and find out that he is holding a fake document, he must contact the police. You will also have to buy a new form and provide it to the servants of the law.
If this is not done, then at a meeting with the traffic police inspector, he will have the right to accuse the car owner of deliberately acquiring an invalid document. It is important to remember that such an offense is criminal.
In custody
The fake poles of the āauto-citizenā are not only those certificates that fraudsters make on purpose. Sometimes scammers steal blank forms of insurance offices and use them for their own purposes. In order to never encounter such problems, it is best to contact trusted insurers. At the same time, it is worth examining in detail the information about the selected company and clarifying the status of its license.