Fake MTPL policy: is it possible to buy and register a car?

Why buy a fake policy?

Buying a fake is associated with an increase in insurance rates. Fraudsters sell insurance much cheaper, which pushes drivers to purchase a fake policy. Most car owners are accustomed to buying OSAGO, not to protect themselves, but because it is necessary.

It is worth considering that even when buying a policy from an insurance company, there is a chance of running into a fake. Fake policies can be sold by insurance agents or on social media pages. This happens due to the fact that real forms may lose their significance, but for various reasons they end up in insurance companies that take advantage of this moment.

Receiving compensation payments from RSA

If you cause harm to your health, you can count on compensation from RSA. You will need to write an application requesting an inspection, identification of a counterfeit, and issuance of written confirmation that the policy of the person responsible for the accident is not genuine. Thanks to the presence of such paper, the application will be considered faster.

Additionally you will need to present:

• copy of passport;
• own policy;
• vehicle registration certificate;
• driver license;
• a resolution from the traffic police about the incident;
• expert assessment data on the degree of damage to the car;
• the results of a medical examination, the presence of injuries for which treatment is paid;
• witness statements, videos, photographs confirming the plaintiff’s innocence;

The following expenses of victims who are citizens of Russia are subject to compensation from RSA:

• possible income that was lost as a result of being involved in an accident;
• treatment, dietary nutrition, purchase of medications;
• prosthetic surgery and rehabilitation;
• a trip to a sanatorium for recovery;
• purchase of special transport;
• retraining, obtaining a new profession.

The amount of payments depends on the amount of earnings and expenses for medical procedures.

Receiving insurance compensation from a company is legally permitted even under a false policy, if it turns out that the form belongs to the insurance company, but was lost or stolen, but the company did not report this to the police. The scammers obtained this form and gave it to the car owner. If he is listed in the database, then you can safely go to court.

How is it punishable for having a fake OSAGO?

According to the laws of the Russian Federation, administrative and criminal penalties are provided for the purchase and sale of a counterfeit policy. For criminal liability, the punishment can be up to two years in prison for the seller.

A driver who bought a fake certificate will be fined up to 80 thousand rubles. If the driver presents such a policy to the insurance company to receive payments, the amount of the fine will increase by one and a half times.

Thus, according to the law, the following penalties are provided for a fake OSAGO policy:

• Fine of up to 80 thousand rubles;
• Labor punishment and deduction of 20% from salary for two years;
• Six months of community service;
• Imprisonment for up to 6 months.

If the driver himself discovers a fake policy and reports it, no punishment will be applied.

What to do - the culprit with a fake policy

Sometimes an additional nuisance awaits the victim of an accident: the person responsible for the collision turns out to have a fake policy or no insurance at all. It turns out that in the first case he was deceived by scammers, in the second he deliberately broke the law. The consequences for the culprit will be serious when an accident is recorded. But what about the victim? He can write a statement to his insurance company for compensation for harm. In practice, most often, car owners receive a refusal from an insurer who does not want to enter into legal proceedings and recover from the holder of a false policy the funds spent on paying for insurance to a client injured in an accident. Under such circumstances, you will have to act independently.

Lawyers who specialize in auto insurance recommend doing the following:

1. Go to the RSA (Union of Automobile Insurers) website and check the policy by registration number to see if it is in the database. You can also find out the necessary information by calling any insurance company and receiving a response from a specialist over the phone.
2. It may be necessary to request official confirmation from the RCA of the authenticity of the policy to accompany the application to the police or court.
3. Order an independent comprehensive examination of the damaged car to assess the damage caused and confirm the fact that the culprit of the accident is another driver.
4. Try to peacefully resolve the issue of paying for repairs by filing a pre-trial claim with the person at fault for the collision, who may not have known that his compulsory motor liability insurance is fake.
5. If the document number is listed in the database, then you can file a claim in court against the insurer, and not against the culprit of the collision, for compensation for damage as a result of the accident.
6. When the policy is invalid or fraudulent, the claim is filed only against the person at fault, because the insurance company will refuse to pay compensation.
7. If the document turns out to be genuine, but, for example, the company’s agent did not hand over a copy of it to the company on time, then compensation is required because the employee acted on behalf of the company. When filing a claim in court, it is quite possible to obtain insurance.

When a double policy appears in the case, it is much easier to collect compensation in such conditions. If the insurer responds negatively to the claim demanding compensation for damage, then the court will recognize the actions of the insurance company as unfounded, since the number and series of the policy coincide with a real existing document. By presenting a receipt for payment of the insurance premium, you can urgently demand compensation, since violations in the company’s accounting system cannot become a reason for refusing to pay the insurance. You can complain to the RSA and send a copy of the letter to the Central Bank of the Russian Federation so that they take action against the organization they supervise.

Every driver runs the risk of being the culprit of a collision between two or more cars. And you won’t envy him here. The law in this situation will still be on the side of the victim. Having a fake policy, the culprit will pay the compensation from his own funds, not to mention more serious consequences.

A few tips will help you avoid problems and receive an insurance premium after an accident:

1. Don’t take risks by trying to get a policy for less money or by forging a document yourself. You won’t be able to save money this way, but additional problems (including criminal prosecution) will result.
2. Do not believe advertising where the company announces the availability of obtaining compulsory motor insurance without passing a technical inspection, and also promises to update or issue a diagnostic card.
3. Find out information about the company you are going to contact on the Internet, read reviews about its work. Doing this today will not be difficult and will not take much time.
4. Do not purchase policies from offices that have no connection with the insurance company whose name is indicated on the document.

How to spot a fake

The policy is considered invalid:

• issued on a false form;
• purchased from a company with a revoked license;
• expired;
• when the date of issue was adjusted;
• The document details are taken from the original (written off, lost).

You can distinguish a fake by visually examining the MTPL policy of the person responsible for the incident. So, the original has the following features:

• the form is approximately 10 cm longer than a regular A4 sheet;
• on the front side, over the entire area of ​​the document, there is a thin mesh of a bluish tint, a pattern in the form of tiny ring-shaped sections;
• when examined in the light, the logo with the emblem of the Union of Motor Insurers and watermarks will be visible;
• on the back side on the right there is a metal strip;
• patches of reddish fibers may be clearly visible on the leaf;
• the paint that was used to make the form should not leave any marks on your hands;
• the number is easily palpable, as it has a convex structure, is always located at the top right, and consists of 10 digits;
• the series is represented by three identical letters EEE;

In addition, each policy has its own QR code, which, when scanned, opens a page in the PCA database with information about the driver and the insured car.

Reliable insurers with a high rating on their resources provide clients with the opportunity to verify the authenticity of issued documents by number, series and date of issue on the RSA website.

Don't be afraid to ask the at-fault party for a policy to make sure it's not fraudulent. If the driver really has the original policy, then it will not be difficult for him to transfer it to you.

How to distinguish a fake OSAGO

Drivers may intentionally buy counterfeits or be deceived. Some agents sell forms that are no longer in use. Fake policies look very similar to real ones, but there are signs by which they can be distinguished.

• The series and license plate in the fake policy do not have relief;
• There is no metallized thread on the fake;
• The fake policy does not have the PCA watermark;
• There may be typos and unclear stamping.

The buyer can detect a fake, but if it is a real form, which simply does not have any legal force, then it is difficult to recognize it. Even checking in the RSA database will not yield anything, since a duplicate of the real certificate may also be there.

In this case, the falsity of the document can only appear in the event of an accident.

Do they make their way through the traffic police database?

Traffic police officers, when stopping a driver while driving a car or taking him to the MREO, always require him to show insurance. And, if earlier you could just show a paper policy form, now you can’t get off that easy. Employees received access and the opportunity to check the availability of a valid contract in the database. After all, the insurer is obliged to enter information about each concluded contract into the insurers’ database no later than one business day from the date of its conclusion.

It is not yet known for certain how exactly unscrupulous insurance sellers create the appearance of registering a fake contract in the database, but in practice, for some time after purchasing a fake policy, information about its conclusion is retained.

The key point is that the information is available for some time, and not for long.

What happens if you forge a printout of an electronic compulsory motor liability insurance policy?

Forgery of documents is strictly punished, this also applies to the electronic OSAGO policy, which more and more drivers have begun to take out.

The traffic police officer is presented with a printout of such a policy, which is purchased online and sent by email. This means that it is quite easy to fake such a printout.

As a rule, when checking the documents, the inspector may find out that the policy is fake. And for the fact that you actually do not have insurance, you are subject to a fine of 800 rubles. But that's the best case scenario.

In fact, such an action is forgery of documents, for which criminal liability is incurred. A printed electronic policy is the same document. But the law itself speaks specifically about forgery of forms. Therefore, this article does not apply to falsifying a policy printout.

Advantages of legal compulsory motor liability insurance

Many drivers deliberately buy a fake because of the low price, but there are also those who simply fall for scammers. However, you should take a responsible approach to compulsory car insurance, as the policy will protect you from significant expenses in the event of an accident.

Some drivers do not trust purchasing insurance online, but if you choose a reliable company, purchasing compulsory motor insurance will take little time and there is no risk of running into a fake.

Important news: In the fall, cameras will begin to record the absence of compulsory motor liability insurance

Why choose POLIS812

• Our insurance center has been in the insurance market for more than 12 years and is one of the largest units on the Internet.
• POLIS812 has a large selection of insurers at prices the same as insurance companies and even lower.
• We do not impose additional services on our clients.
• We guarantee the availability of an MTPL policy in the RSA database.
• We can also deliver OSAGO insurance policies throughout St. Petersburg free of charge.

You can see detailed instructions on how to register for electronic compulsory motor liability insurance in this article.

You can also pre-calculate the cost of compulsory motor liability insurance using an online calculator.

OSAGO online calculator