Payments under compulsory motor liability insurance "Rosgosstrakh": how to write an application for compensation for damage, where to go in case of an accident and other insured events for referral for repairs?

Normative base

The regulatory basis for payments under OSAGO "Rosgosstrakh" in 2021 is the law No. 40-FZ "On compulsory insurance of civil liability of vehicle owners" adopted on April 25, 2002. On March 28, 2021, innovations were adopted based on Law No. 49-FZ, which significantly affected many nuances and aspects of motor vehicle liability:

Attention! If you have any questions, you can chat for free with a lawyer at the bottom of the screen or call Moscow; Saint Petersburg; Free call for all of Russia.

The terms for inspection by authorized persons from the insurance company of vehicle damage have been revised.
Prohibition of independent examination.
The deadlines for accepting claims from vehicle owners to the insurance company have been changed - now the application must be submitted within 10 days.
In September 2021, an amendment was adopted according to which the policy period cannot be less than 1 year.
On April 28, 2021, a change was made according to which monetary compensation is replaced by in-kind compensation, that is, all funds for compensation of losses go to repair shops.
The limit on payments has been expanded, especially for individuals.

Tariffs by region will have a significant impact on the total cost, and in the case of legal fleets. persons, an average coefficient is applied, which will accordingly also change the cost of payment upward: in proportion, the more vehicles, the more offenses.

What determines the payments at Rosgosstrakh under compulsory motor liability insurance?

You can calculate the amount of compensation paid by Rosgosstrakh to victims of a traffic accident in 2021 yourself. All parameters and coefficients are publicly available and strictly fixed in law. When calculating payments under compulsory motor liability insurance, current property prices are taken into account, adjusted for the insurance region.

When calculating the amount of insurance payment in Rosgosstrakh under compulsory motor liability insurance, it is necessary to take into account the following parameters:

Country of origin of this vehicle.
Place of car registration and insurance (region).
Year of manufacture and degree of wear of the vehicle.
Intensity and time of operation of this vehicle.

The insurance company strictly follows the letter of the law, and therefore, when calculating the amount of compensation, it relies on clause 15.1 of the MTPL insurance rules, namely, on the fact that all restoration costs are calculated taking into account the average market pricing policy. Of course, prices will vary for each region, and often quite significantly. As practice shows, there are often situations when the funds paid are not enough to fully restore the vehicle. This is in no way connected with a violation of the legislation of the Russian Federation or fraud, the whole point is the significant wear and tear of vehicle components and assemblies, as well as high prices for components for cars belonging to the “business class” segment, but already significantly outdated (cars produced at least 20 years ago). 30 years ago, for example, BMW e38, Mercedes-Benz w200, etc.).

In the vast majority of insurance cases, it calculates the cost of individual components and parts requiring replacement or repair, adjusted for wear and tear of the vehicle. For 2021, the following car depreciation rates are relevant in accordance with the year of production:

first year - 20%;
second year - 12%;
third year - 12%;
fourth and further - 12%.

If a victim of an accident wants to independently calculate the amount of monetary compensation, then he should rely on the above data. It is recommended to make the calculation in any case to avoid further disagreements with the insurance company.

"Rosgosstrakh" - Occurrence of an Insured Event, What to Do?

When issuing a policy, the insurer is obliged to inform the client about the rules of conduct in the event of a specific risk and explain the scope of insurance coverage. Rosgosstrakh insurance programs are designed for a variety of life circumstances, and the sequence of actions will differ in detail, depending on the type, object of insurance and the nuances of the insured event.

The insurer's website provides comprehensive information about actions in the event of a theft or accident, fire, or natural disaster. The corresponding tabs are devoted to measures taken to settle payments for various offenses, etc.

Regardless of who is at fault and under what circumstances the insured event occurred, the following scheme is followed to settle the loss:

Recording an insured event and taking measures to prevent an increase in losses.
Immediate notification to the insurance company.
Reporting the event to supervisory authorities and relevant services (traffic police, fire service, police, Ministry of Emergency Situations, DEZ, housing department).

Collection of documentation in accordance with the instructions received from the insurer's call center operator.

Receive a decision on the payment case (you can find out about the progress of the consideration of the application online, if we are talking about compulsory motor liability insurance or CASCO insurance).

Within 5 days, submit an application and documents to the loss settlement department at the nearest address. According to car insurance, the car is provided for inspection and calculation of compensation for losses. Similar measures to fix the amount of losses are provided for other damaged objects (independent assessment of property).

After a positive decision is made, all that remains is to wait for the amount of insurance payment to be transferred according to the details specified in the application.

Report the Occurrence of an Insured Event to

If an insured event occurs, you can contact the company by phone:

from mobile phone 0530;
from any phone in any region of Russia to the Unified Contact Center 8-800-200-0-900;
or 8-800-200-99-77 at the Unified Dispatch Center number.

If the Internet is available, submit information about the occurrence of a risk for auto insurance through the Rosgosstrakh website and use the online form indicating the category of the insurer (individual or organization/individual entrepreneur).

In order for the notification to be sent, you must first agree to the use of personal data and select a geographically convenient settlement center. After sending an online application, a letter will be sent to your email address indicating the payment case number (or the details of the case will be communicated via SMS).

Questions and Answers on Payments in Rosgosstrakh - Documents and Application

During the process of filing an insurance claim and agreeing on payment, various questions may arise. Some of them are resolved through the insurer’s contact center. The most popular questions explaining the procedure for payment under compulsory motor liability insurance are given in a separate section on the Rosgosstrakh website.

The amount of payment insufficient to repair the car is the most worrying topic for motorists. The company calculates future compensation in strict accordance with the MTPL Rules (namely, clause 4.15).

The insurance company is obliged to carry out repair work (indemnity in kind) or pay an amount for restoration. In the latter case, the calculation is carried out taking into account the wear of the parts being replaced, because at the time of the accident the car had already had some mileage, and the components and parts were worn out to a certain extent.

For MTPL policyholders, other situations are explained in the “Questions and Answers” section:

Where to go to apply for payment under compulsory motor liability insurance to the innocent party.
Waiting period for payment of compensation.

Conducting an independent examination at the initiative of the policyholder.
A method for clarifying the amount of the upcoming payment and the results of consideration of the application.
Resolving controversial situations regarding the determination of the guilty parties and discrepancies in the positions of the traffic police and the insured.
Possibility to receive compensation if the culprit of the insured event is unknown, etc.

The information in this section will be useful not only to those who have already been in an accident and have encountered problems in receiving insurance compensation. Any car owner must clearly understand the rules of compulsory insurance and understand the procedure.

How are payments made under compulsory motor liability insurance at Rosgosstrakh?

What actions must a victim of an accident take in order to receive the Rosgosstrakh insurance payment in full as quickly as possible? Below are step-by-step instructions:

First of all, it is necessary to document the accident in the proper form. If no harm was caused to health during a traffic accident, the total amount of damage does not exceed 50,000 rubles and a maximum of 2 participants in the accident, then it is advisable to register the traffic accident on the road according to the European protocol. Otherwise, it is necessary to call State Traffic Inspectorate employees to the scene of the accident, who will draw up all the necessary documents.
After this, it is necessary to notify the insurance company about the occurrence of an insured event as soon as possible.
Next, you should collect a package of documents necessary for filing an insured event and documenting the damage caused in an accident.
Then a written application is drawn up to receive monetary compensation for the insured event at Rosgosstrakh. The appeal is attached to the set of collected documents. A standard form for an application for MTPL payments in 2021 can be easily obtained at any insurance office, or a sample can be downloaded from the Internet and printed out yourself.
Choose your preferred method of receiving compensation.
You provide the vehicle to insurance employees for further examination and assessment of the damage caused.

If the applicant receives a refusal without objective reasons, he has every right to file a claim with the head of the organization, indicating all aspects of the traffic accident. After the request has been submitted. This method of conflict resolution is most often used in controversial situations between the insurance company and the vehicle owners.

What does the approval of payments depend on?

The maximum payment made by Rosgosstrakh under compulsory motor liability insurance after an accident in 2021 is determined by current legislation - namely, Art. 7 Federal Law No. 40:

no more than 500 thousand rubles - the maximum payment for harm caused to health or life (in relation to each victim, if there are several);
no more than 400 thousand is the maximum possible compensation for damage to property.

IMPORTANT
If the damage to the car exceeds the specified value, the victim, after payment from Rosgosstrakh, receives the right to recover damages from the tortfeasor in the manner established by the current civil legislation.

The form of compensation (money or repairs) in case of damage to property is determined in accordance with Part 15.1. and 16.1. Art. 12 Federal Law No. 40. That is, repairs in Rosgosstrakh will be carried out under compulsory motor liability insurance if the following conditions are simultaneously met:

a passenger car was damaged;
it is owned by an individual;
The car is registered in the Russian Federation.

In the cases specified in Part 16.1. Art. 12 Federal Law No. 40, as well as in case of harm to life or health, monetary compensation is provided, that is, when:

complete loss of the car after an accident;
the death of the victim or if the accident caused him serious or moderate harm to health;
the amount of repairs is more than 400 thousand rubles;
if the citizen injured in the accident is disabled of any group;
simply if there is an appropriate agreement between the insurance company and the victim (in writing);
The insurance company does not have an agreement with any of the services in the region of the injured driver.
the victim’s refusal to repair his vehicle at a service station with which the insurer, although he has a concluded contract, does not meet the requirements of Central Bank Regulation No. 431-P for organizing the repair of a specific victim’s vehicle (for example, if the service station is located further than 50 kilometers from the residence address of the policy owner);
the victim’s appeal under the PPV to his insurer, if the repair cannot be organized at the station that the victim previously indicated in the application for concluding an MTPL agreement.

Attention
The terms of settlement are specified in clause 4.22. Central Bank Regulations No. 431-P – 20 calendar days (except for non-working holidays).

Payment terms

According to the legislation of the Russian Federation, the maximum payment period for car insurance in 2021 is 20 days. When making a decision, the court and other government agencies are based on the Federal Law “On compulsory insurance of civil liability by vehicle owners” of 2002. As mentioned, some aspects of this procedure have changed in 2021. For example, the procedure for inspecting a damaged car has been simplified - now no more than 5 days from the date of the accident are given to determine the extent of the damage.

It is also worth noting that from 2021, the limit for compensation for external and technical damage to a vehicle has been increased to 500 thousand rubles for all insurers. The tariff rate is calculated in accordance with the coefficient, which may vary depending on the region of car insurance. As for legal entities and owners of various vehicle fleets, an average coefficient is applied; in some cases, this can significantly increase the cost of paying for insurance.

Deadlines for submitting an application for payment

The deadlines for applying for compensation under compulsory motor liability insurance in Rosgosstrakh after an accident in 2021 are:

5 days – if the accident was registered according to the European protocol (clause 3.8. Regulations of the Central Bank No. 431-P);
3 years - in all other cases (Part 1 of Article 196 of the Civil Code of Russia) (if the accident was registered with the participation of the police, if a pedestrian comes forward who suffered damage to health as a result of a collision, etc.).

Required documents

The law of April 25, 2002 does not establish exact deadlines for submitting documents to obtain insurance. However, it is said that the package of necessary documentation is submitted individually in several stages. Clause 3 of Article 22 of the regulatory legal act in question contains the following wording: “car insurance papers must be presented as soon as possible.”

Due to the particular urgency of this process, the injured person is obliged to take care in advance of preparing a package of documents, the necessary copies and originals. Most motorists turn to specialized companies for help in order to collect all the papers as quickly as possible and correctly fill out an application for receiving compression payments under Rosgosstrakh insurance in 2021.

The list of mandatory documents for payments under compulsory motor liability insurance at Rosgosstrakh in 2021 includes:

MTPL insurance policy;
identification document (passport and photocopies of the first pages);
application for payment of compensation;
a certificate from the State Traffic Inspectorate, which displays all aspects of the accident, identifying the guilty and injured parties;
protocol of the State Traffic Inspectorate on an administrative offense;
decree-receipt for payment of a fine;
documents for the vehicle;
certificate of car ownership;
driver's license.

This is not a complete list of documents that may be needed when contacting an insurance company in order to receive cash payments in the event of damage to a car due to the fault of a third party. You can find out more detailed information by calling the Rosgosstrakh hotline or from one of the center’s employees.

Required documents for submitting payments

In accordance with ab. 8 clause 3.10. Regulations of the Central Bank No. 431-P, in 2021 in Rosgosstrakh the victim provides:

the main package of documents (specified in clause 3.10. Regulations of the Central Bank No. 431-P - passport, power of attorney (if it is not the victim or beneficiary who applies), bank details, notification of the accident, application for payments, copy of the document on bringing the culprit to administrative responsibility or refusal to engage;
additional package (it depends on the type of insured event and what exactly will be compensated).

For example, if damage to health was caused, then you need to provide:

main package of documents;
to receive compensation for treatment in the hospital and payment for medications - specified in clause 4.1. Regulations of the Central Bank No. 431-P - that is, a certificate from the hospital on the list and nature of injuries, as well as from an ambulance station, a forensic expert’s report, a document confirming the determination of disability);
for compensation of lost earnings - specified in clause 4.2. Regulations of the Central Bank No. 431-P (certificate of average monthly income, a forensic expert’s conclusion on the level of loss of professional ability to work and other papers that certify the level of earnings of the victim).

applications for payment under compulsory motor liability insurance in Rosgosstrakh.

For your information

You can find out what papers are needed in a particular case on the official website of the RGS in the appropriate section.

By the way, on the RGS website you can also check the completeness of the collected documents - the system will tell you what is missing.

Application for payments to OSAGO "Rosgosstrakh"

To fill out an application for compensation in the event of a traffic accident, you should contact one of the insurance branches. The document form is issued by the insurer and has a certain structure. It should not contradict the Regulations of the Bank of Russia “On the Rules of Compulsory Motor Liability Insurance”.

The victim indicates in the application his passport details, information about the vehicle, the traffic accident with the attachment of all protocols and testimony of both parties, the number of the insurance certificate, the nature and extent of the damage caused, as well as the personal data of the traffic police officer or other person who recorded the accident. At the end, the date and signature of the applicant are placed.

Applications for payments under compulsory motor liability insurance can be found here.

Payment amounts

The Russian Union of Auto Insurers assumes responsibility for timely payment of compulsory motor vehicle liability insurance compensations, which are applied in cases of impossibility of making insurance payments. The basis for providing funds (compensation) may be:

Bankruptcy or temporary insolvency of the insurance company.
Early termination of the contract.
End of insurer's license.
The person at fault for the accident does not have a compulsory motor liability insurance policy.
Impossibility of identifying the culprit of a traffic accident.

The amount of payments under compulsory motor liability insurance at Rosgosstrakh in 2021 is affected by the direct and indirect income of the victim, as well as the degree of damage and possible treatment costs. As practice shows, the amount of compensation for harm to the health of an individual can vary from 160 to 240 thousand rubles, depending on the characteristics of a particular case.

Also, the amount of payments is influenced by such important factors as the country of origin of the vehicle, the place of registration of the vehicle, the level of wear and tear on the components and the vehicle itself. An approximate calculation can be made on the official website of Rosgosstrakh using a special calculator or by contacting the appropriate organization (then the amount of compensation will be determined with all additional commissions).

In general, the calculation of payments under compulsory motor liability insurance at Rosgosstrakh in 2021 is made according to the formula:
“Ktr x Kvz x Kss x Kmsh x Ktks x Ksr x Kbn”
where Ktr is the territorial coefficient;
Kvz - driver’s experience and age;
Kss is the frequency of accidents involving this vehicle;
Kmsh —car power;
Ktks - coefficient for calculating the insurance of a car used as a taxi;
Ksr - policy validity period;
Kbn is an indicator for regular customers.
This calculation can be carried out independently, and the deviations will be insignificant.

Kinds

Payments under compulsory motor liability insurance are:

straight;
insurance;
according to the European protocol;
compensatory.

It all depends on the circumstances of the incident, the availability of insurance for drivers and the amount of damage.

Direct indemnity

According to Art. 14.1 of the Law “On Compulsory Motor Liability Insurance”, if no more than two cars were involved in the accident, and no one was personally injured, only there was damage to the car body, then you can count on direct compensation for damage.

But for this, both participants in the accident must have auto insurance policies. You can apply for payment directly to the company where the policy was purchased (that’s why payments are called direct), and only then the insurer itself will recover the money from the company that caused the accident.

According to the insurance rules, the exercise of the right to direct compensation for losses does not limit the right of the victim to contact the insurer who insured the culprit of the accident with a claim for compensation for harm caused to life or health that arose after the filing of a claim for direct compensation.

Indirect

This is not a completely correct definition, but it is used quite often. It means insurance payments under the MTPL contract, which compensate for the costs of car repairs, health restoration, and payments to heirs. According to the limits specified in the law, you can receive no more than 500 thousand rubles in case of compensation for damage to life and health and no more than 400 thousand rubles for car repairs or as compensation for its cost in the event of a complete loss.

The victim or his beneficiary receives money for restoration repairs or treatment, but not the policyholder himself, who spent the money on insurance.

According to the European protocol

It only applies in cases where there are two drivers in an accident and no one is seriously injured.

Seeing an insignificant amount of damage, drivers may decide not to call the traffic police and limit themselves to filling out an accident report. Next, the victim submits a package of documents to the insurance company for payment without a certificate of the accident.

The maximum compensation under the European Protocol (when a traffic accident is registered without certificates) is no more than 100 thousand rubles.

Compensatory

As mentioned above, such compensation is paid from the money of the Russian Union of Auto Insurers and only in special cases provided for by law. For example, in the case:

bankruptcy of the insurer;
revocation of his license;
if the culprit of the accident fled the scene of the accident;
or he did not have an insurance policy.

Payments are made within the same limits (no more than 400-500 thousand rubles) as in the usual case. This is a kind of insurance in case of insolvency of the insurer or sudden revocation of its license, for which all participants in the MTPL market pay contributions to the RSA.

Reasons for refusal of payments under compulsory motor liability insurance at Rosgosstrakh

The MTPL policy covers damage to the vehicle in the event of insured events that comply with the norms of the federal law “On Auto Insurance” and the agreement between the insurer and the car owner. However, Rosgosstrakh insurance covers only up to a certain limit; the remaining portion must be compensated by the person at fault for the traffic accident. The MTPL insurance limit at Rosgosstrakh covers damage to personal property, as well as physical damage caused to the owner of the car.

Often, parties to a contract are faced with a refusal to pay under Rosgosstrakh compulsory motor liability insurance. If you find yourself in such a situation, then first of all you need to decide on what grounds this decision was made. Thus, legitimate grounds for refusal to pay insurance include:

External damage to the vehicle of varying degrees, which is not covered by insurance.
The MTPL policy does not cover moral damages to the injured person.
If the accident occurred due to the fault of an untrained driver (during the process of testing the car, testing or training).
If the cause of the traffic accident is the transportation of prohibited, dangerous objects.
Harm caused to an individual in the performance of his direct labor duties is not compensated (the event falls under the category of compulsory or social insurance).

The statute of limitations for insurance disputes related to road traffic accidents is 2 years from the date of establishment of the insured event. All of the above examples refer to the legal grounds for refusal of compensation payments under compulsory motor liability insurance, but everything depends on the specific case. It is unlikely that it will be possible to appeal such a decision of the insurance company in court. Before making such a decision, it is better to immediately consult with an Automotive Lawyer.

What does the size depend on?

The amount of payment depends on the assessment of damage, the limit for a specific type of damage and wear and tear of the car. Payment under compulsory motor liability insurance, unlike CASCO insurance, is always paid taking into account such an indicator as wear and tear.

In the event of a complete loss of the car, its value on the day of the accident is compensated within the limit. In the event of damage requiring repair, the calculation of costs for restoration of the vehicle submitted to the insurer is paid. You can also contact Rosgosstrakh with a request to pay for the services of a tow truck, calling a taxi to deliver the wounded, and the cost of storing a car in the parking lot. It is not a fact that these expenses will be approved, but if it can be proven that they were necessary, then there will be no problems.

With compensation for health damage, everything is much more complicated. There is a detailed Table of standards for payments for personal injury, which indicates different options for calculating money depending on the injury or illness received in an accident. The procedure for calculating compensation is regulated by Government Decree No. 1164.

For example, only disabled people of the first group and children with disabilities receive a maximum payment of up to 500 thousand rubles, while owners of other groups can count on compensation of up to 250-350 thousand rubles. For an ordinary concussion and resulting bruises, they can pay up to 15 thousand rubles, and for a broken nose - up to 50 thousand rubles.

The victim is also compensated for his lost earnings on the day of the accident, expenses for staying in a hospital or care in a clinic, the cost of medicines, medical nutrition, and recovery in a sanatorium. The regulations need to be carefully studied in order to understand what payments you are entitled to claim in connection with health damage.

Actions in case of refusal to pay under compulsory motor liability insurance at Rosgosstrakh

Insurance companies often resort to illegal methods in dealing with car owners. They not only violate the law by making unreasonable refusals to pay under compulsory motor liability insurance, but also deliberately underestimate the amount of material damage. The remaining amount is not large enough to take such a case to court. All this is due to the fact that the total costs of resolving the conflict may exceed the amount of compensation. In case of significant losses, you should contact government agencies for damages, but you will have to spend money on an independent expert.

If you believe that the insurer has wrongfully refused to pay the insurance amount in 2021, you should seek legal advice. After reviewing the case materials, it is necessary to conduct an independent examination and submit the case materials to the court. If the claims are justified, then there is a high probability (95-100%) that payment will be made in court. Typically, legal support organizations charge from 5 to 15% of the payment amount for their services.

Rosgosstrakh pays little for MTPL or CASCO insurance.

Another problem with Rosgosstrakh is the fact that their supposedly independent experts give opinions in which the amount of insurance payment is underestimated by more than 2 times, and there are a lot of such examples.

You should not panic in such a situation, this is also a standard situation, you need to conduct your own independent examination and go to court to collect the insurance payment.

The logic of Rosgosstrakh is simple: out of 100 dissatisfied policyholders, only 10 will go to court and demand what is rightfully theirs. They will recover the insured amount, interest, moral damages, legal expenses and examination. But even in this case, this policy remains profitable for the company.

Claim for payment of compulsory motor liability insurance "Rosgosstrakh"

The legislation of the Russian Federation establishes a pre-trial procedure for resolving disputes between the insurer and the owner of the vehicle. This clause is mandatory to comply with before applying to the courts for payment under Rosgosstrakh compulsory motor liability insurance. All that is required of you is to send a specific claim to the organization’s address and supplement it with an expert assessment of the vehicle after a traffic accident. In the same document it is necessary to indicate the cost of repairs, bank account details and personal data of the applicant.

Claims for payments from OSAGO Rosgosstrakh can be found here.

A claim for payment of compulsory motor liability insurance at Rosgosstrakh can be submitted to the insurance company in two ways:

By registered mail with notification;
Individually, by visiting one of the organization’s branches.

Whatever option you choose, you must have a document in your hands confirming receipt of the letter by the addressee. In the second case, you need to make photocopies of all documents and ask a company employee to put a note of acceptance on each of them. It takes 5 business days to consider the claim, plus several days for postal delivery.

Where to submit

Having received your copy of the accident notice, you need to submit it to your insurer within 5 days. Although missing this deadline is no longer grounds for refusing compensation under compulsory motor liability insurance, the insurance company will most likely have claims, and the payment procedure will be delayed. Please note that each participant in the accident is required to submit a notification form to the insurer, although only the victim can claim compensation for damage. If the culprit does not send the document to his insurance company, he may be subject to a recourse claim.

If you have any questions related to filling out road accident notifications, please consult our lawyers. We will explain the legal requirements, sort out difficult issues, and provide assistance when contacting an insurance company. Call, in most cases our consultations are free!

Driver reviews

Alexey: A few months ago I took out MTPL car insurance from Rosgosstrakh and now I got into a small accident. I immediately contacted the insurer with the necessary documents, after which I was scheduled to have the car assessed. After the main damage was identified, I was given a card and after 2 weeks there was already money in my account.

Ekaterina: I did not have time to submit a photocopy of the European protocol to Rosgosstrakh within the established five-day period - in connection with which I was required to pay recourse for the accident. The law was respected, but somehow it was not fair. I don't want to have any more business with this insurer.

Konstantin: Over the past two years I have had three accidents. In two cases, the insurance company paid for the repairs at the service station in full, and in the third, it transferred money to the account within just five days. And all this without a trial; previously I was insured at Rosstrakh, where compensation could only be obtained by a court decision.

Features of auto insurance "Rosgosstrakh"

Today, Rosgosstrakh is one of the most reliable and prestigious insurance companies. The process of obtaining a compulsory motor liability insurance policy is not particularly difficult; for registration you only need a passport, a vehicle document, a driver’s license and passing a technical inspection of the car. You can conclude an agreement in numerous branches of the organization by submitting an application in advance on the official website.

On the website https://www.rgs.ru you can also renew your insurance and calculate the approximate cost.

In most cases, the policy is issued for one year with the possibility of extension. You can sign a contract for three or six months, depending on the need. There are two main types of compulsory motor liability insurance: without restrictions, that is, both the owner and other persons have the right to use the car, and with restrictions - the car is driven only with the permission of the owner (no more than five people).