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Undoubtedly, the introduction of e-OSAGO has made it easier to get car insurance. The number of registrations of an electronic car citizen is growing, but so far the electronic version of the document cannot replace the paper version in all situations, and this causes a lot of misunderstanding between car owners and traffic police officers. Not all Russian drivers yet know how to carry an OSAGO policy with them in in electronic format and what to show the traffic police when checking documents.

How is an electronic policy issued?

The policy is issued in electronic form on the website of the insurance company (IC). You can choose a suitable policy on the site osago.one, or use the site (PCA) or portal, from where the client will be directed to the site anyway.

On the insurer's website, a form is filled out with data about the insured and his car, after checking which the client receives an SMS with an account activation code. Next, a contract is selected in which you can read how to use the CMTPL electronic policy.

After payment, the insurer enters the information in and sends the policy to the email address specified in the application.

The form is printed out, and if desired, it can even be certified with a seal at the office of the UK. The procedure takes no more than an hour.

When do you need to present a motor vehicle card?

First, let's figure out whether the driver is obliged to present the insurance policy to the traffic police inspector in principle. According to the OSAGO law, a traffic police officer may require a motor vehicle citizen to be presented only in case of a violation or when.

At the same time, the SDA (clause 2.1.1) obliges the driver, at the request of a police officer, to transfer an insurance contract to him in cases where the insurance obligation is defined by federal law. In principle, this is the same thing, only not all employees and not always interpret the requirements in favor of the driver, and this is a fact.

Having figured it out, we come to a consensus on the cases in which traffic police insurance is shown:

1. During an accident.
2. When compiling.
3. During scheduled raids.

The latter is not fixed anywhere by law, but, understanding the specifics of the work of the traffic police, you can always meet the needs of its employees. To be legally accurate, far from every car stop, law enforcement agencies have the right to check all the documentation for the vehicle, and the question of whether a traffic police officer has the right to check OSAGO insurance is relevant every time.

On the other hand, since the driver must always carry the entire package of documents, including insurance, with him, there are no excuses not to present it. In order to maintain security, the traffic police has the right to stop transport and check the availability of documents. Moreover, for driving without insurance, which in itself determines the possibility of such a check.

Checking the electronic traffic police policy

Previously, when meeting with a traffic police inspector, the driver showed an insurance form certified by the seal of the UK on a standard sheet of A4 format. The employee checked the validity period, verified the data indicated in it with the data in the driver's license, and that's it.

As a rule, all documents, including the OSAGO policy, were stored in the glove box or other convenient place in the car, and no one had any extra questions.

But progress and new realities raise the question of how to present to the traffic police inspector. After all, it is stored in electronic form in the RSA archive, and you cannot touch it.

On this account, a special circular was issued for the police.

The procedure for checking electronic OSAGO is explained in a separate letter from the Main Directorate for Road Safety of the Ministry of Internal Affairs under the number 13/12-y-4440.

The legitimacy of the policy is checked through a special service in the Integrated Multiservice Telecommunication Network of the Ministry of Internal Affairs. Something like this, the traffic police officer will check the electronic OSAGO policy:

1. Enter the details of the registration number and the VIN-code of the car.
2. Starts a search.

There is also an alternative option available to everyone, not just the police. This . The procedure is almost the same.

Is it necessary to carry a paper policy with you?

In 2020, the owner of an electronic policy can present it to a traffic police officer in the form of an electronic document on a smartphone, tablet or laptop.

But insurers still recommend printing out the OSAGO policy on a printer, certify it with the seal of the insurer and carry it with you in this form. It would seem that there should be no difference between such a copy and the image downloaded to the phone. The number and data are the same, but in the event of an accident, the driver will not always be able to remember them or use his gadget. It can be discharged, broken, and the traffic police officer needs to urgently find out if the participant in the accident is insured.

We have already told how he can determine whether the printed online OSAGO policy is valid. It's hard to do without a number. In theory, a paper copy is not needed, and this is understandable (it is easy to fake).

If the traffic police officer does not recognize the electronic policy

It happens that a traffic police officer does not want to believe a printout or an electronic document on a smartphone. Such an electronic OSAGO policy, despite all its convenience, still sometimes causes.

Of course, any other document in electronic form or its printout may cause distrust. But not in our case. The fact of OSAGO insurance is recorded in a single database; for verification, it is enough to enter the policy number. And if the inspector does not have the Internet or a tablet, this is not the problem of the driver.

Therefore, the answer to the question of whether it is possible to drive with an electronic OSAGO policy is positive. It is enough that you have it in your smartphone or tablet. If there are problems with the traffic police officer, then it is worth reminding him of the internal order, which we wrote about, about clause 7.2 of Art. 15 of Federal Law No. 40 and clause 1.11 of the OSAGO Rules, which provide for the possibility of using electronic policies.

By the way, all traffic police officers were instructed that if information about the OSAGO agreement is in the system, then the driver cannot be held liable for the lack of a policy.

Even if in such a situation a fine is issued, it. Well, if in the general information base, you have to pay. According to Art. 12.37 h.2 of the Code of Administrative Offenses, the fine is 800 rubles.

We buy electronic OSAGO online: Video

If you still managed to issue an e-OSAGO against the backdrop of persistent obstacles of insurance companies in their services, then certain legitimate questions arise. What to do next, what supporting documents are needed, what to present to the traffic police inspector and whether it is necessary to certify the electronic OSAGO policy with an insurance seal? Let's look at the answers to these questions one by one, in particular, about assurance!

Do I need to certify e-OSAGO?

So, if you have already purchased electronic insurance, then you should receive a completed policy form by e-mail. If this did not happen, then it's okay - it will come to the email address specified when filling out the form.

Unlike paper policies, whose forms for 2020 are approved exclusively in pink, e-OSAGO can be of any color: pink, blue, green, and even black and white. There are no requirements for an electronic version of insurance.

Answering the main question, there is no need to certify the e-OSAGO electronic policy in any way and anywhere. But be sure to print the form on paper.

How is all this regulated?

The first statement logically follows from a simple "presumption" of Russian legislation - everything that is not directly prohibited is allowed. There is no requirement in any normative act to certify the policy either in the insurance company, or, moreover, notarized. That is, you do not need to do this.

But the obligation to carry a printed copy of electronic insurance with you is prescribed by the Federal Law "On OSAGO". To be more precise, paragraph 2.1.1 of the SDA obliges the driver to hand over an insurance policy to the traffic police officer for verification. And already the cases when the latter is electronic, the legislators have carefully provided for in the article of the said Federal Law:

1. ... The driver of the vehicle must have an insurance policy of compulsory insurance with him or information printed on paper on the conclusion of a compulsory insurance contract in the form of an electronic document and transfer the relevant document for verification to police officers authorized to do so in accordance with the law Russian Federation.

By the way, it is not necessary to print the e-OSAGO in A4 format - you can do this on sheet A6 (the size of the car registration certificate) so that it fits with all documents. It is desirable that the inscriptions, numbers and figures of the policy be visible. But even otherwise, the traffic police inspector on the road has (should have) the opportunity to punch the driver for insurance.

What else needs to be done?

After issuing an electronic OSAGO policy, it is advisable to check its authenticity on the PCA website. This is done in order to make sure that the data of the insured (that is, you) are entered in a single database of insurers, so that the KBM does not fly off in the future. By the way, traffic police officers refer to this database when checking.

Checking the policy is done simply:

If your policy has not yet been entered into the PCA database, then this means that the time has not yet come - usually the policy data is entered within a couple of hours to a couple of days. If you don't see your insurance status information for a longer period of time, call insurance company with this question.

e-OSAGO is a document that confirms the fact that the owner of the vehicle has insurance of motor third party liability. In the event of a traffic accident, the injured driver will receive monetary compensation established by law and the insurance contract or a car restoration service, and the perpetrator of the accident will not be liable if he also issued OSAGO.

Even if the form of the insurance policy has been lost, the properties of the contract do not stop. If the driver, in accordance with the OSAGO agreement, gets into a traffic accident only through his own fault, and at the same time, does not have a paper copy of the policy form with him, this does not mean at all that the insurance becomes invalid.

ATTENTION: The traffic police can check the availability of a policy at the scene of a traffic accident using the official database of the Ministry of Internal Affairs or the database of the Russian Union of Motor Insurers. There are other, closed, specific bases of the Ministry of Internal Affairs (what and how to show the traffic police inspector, if you have an electronic OSAGO, read).

Today, according to the definition of the legislator, e-OSAGO is a modern and improved means of motor third party liability insurance, the purpose of which is to save time for road users. The possibility of obtaining a policy by electronically applying to resources posted on the Internet can protect citizens from bureaucratic procedures, and also help to unload the offices of insurance companies (read about the pros and cons of using e-OSAGO in).

Do I need to print?

Do I need to print out an electronic OSAGO? According to statistics, in 2017, about 25% of drivers throughout the Russian Federation received e-OSAGO, which means that the issue of the need to print out such a document is more relevant than ever. In fact, there is no requirement in the law that would urge drivers to print a document without fail.

Moreover, there are job descriptions and letters of the Ministry of Internal Affairs that instruct inspectors on how to check an electronic policy without having its form on the bases. However, traffic police officers continue to demand. You can argue with the inspector, and even try to appeal the fine issued by him for the lack of a policy form (). You will be right, but you will waste a lot of your free time.

Therefore, having a printed copy of the policy in your glove compartment is a guarantee that the document verification procedure will pass quickly and you will not receive an unpleasant bonus in the form of an illegally issued fine in your name.

Is it valid printed online?

A printed MTPL policy online, as such, is not a policy. However, this document confirms that you have motor third party liability insurance. If you want to give such a document legal force so that the traffic police will definitely no longer have unnecessary questions for you, you need to come to the office of the insurance company and certify the printed document with the seal of the organization and the signature of its employee. In this case, the printout will be equated to the real OSAGO form.

Find out more about whether e-OSAGO is valid, and in we talked about how to use the electronic version of the policy.

Can this be done on a printer?

At home, drivers can print out an OSAGO policy on a printer. Such actions are not prohibited, because it is important to convey not the color of the document, but its meaning and the information printed in it. It is better if the printer is black and white, this will help you focus on the data without being distracted by colors.

How and where?

There are two options for obtaining e-OSAGO, which will be accepted by the traffic police at a stop. The first option is related to the independent actions of the insurance client when printing:

1. Take out an OSAGO insurance policy.
2. Pay for it (read how to pay for e-OSAGO).
3. Receive an electronic OSAGO form by mail (?).
4. Open the form in a PDF document.
5. Edit the scale of the document so that the policy form fits on an A4 sheet.
6. Connect the printer and click on the "print" button.
7. Take the document that came out of the printer.
8. At any free time, report to the office of your insurance company or any of its branches.
9. Provide your passport, as well as a copy of the electronic policy.
10. Ask to certify the policy with the appropriate stamp and signature of the employee.

The second option is a little more difficult, but it is suitable for those who do not have a printer at home.

Watch a video about the registration of an electronic OSAGO policy:

Of course, in this matter there are points that are worth paying attention to. So, printing on an OSAGO policy, even printed on a regular black and white printer, is a kind of assurance that equates a copy to the original. A traffic police officer will never find fault if you have such a document.

If the traffic police officer at the stop refuses to check the bases and requires you to have a form that you did not print or forgot at home, then you may be fined in accordance with Article 12.37 of the Code of Administrative Offenses. Do not be upset, because the protocol can be appealed within the first 10 days from the date of its writing.

ADVICE: Contact the court and prove that you have an electronic OSAGO policy, which you are not required to provide in printed form. The court will take your side, and the fine will be cancelled.

A copy without a seal is also a document confirming that you have an insurance policy, which the traffic police officer is required to verify. In the near future, legislators will introduce rules that will regulate the procedure for reviewing an electronic policy by a traffic police officer. So far, there are recommendations at the level of orders, which, unfortunately, the traffic police do not always listen to.

Ideally, a traffic police officer, upon receiving information that you have an e-OSAGO, should know its details, namely, the series and number of the form, or, using the vehicle registration number and vin code, check for insurance on the PCA databases or the Ministry of Internal Affairs (how?). This procedure is mandatory, and will soon be reflected in the law.

We hope that the information we have provided in this article will help you navigate the question of whether to print a document called an OSAGO policy received in electronic form or not. But we advise, in order to save your time, as well as nerves, nevertheless, just in case, carry the policy document with you in the glove compartment.

Ask an expert

A few years ago, insurance companies offered motorists a new insurance product - electronic OSAGO. But is it necessary to print out an electronic OSAGO policy after it is issued? We will consider in our article whether it is necessary to print the contract form and what to do if the traffic police officer does not accept the electronic document.

What is an electronic policy

An electronic policy is a CMTPL policy that is familiar to everyone, which protects the civil liability of the driver. Under this agreement, the insurance company will pay for the driver guilty of an accident.

It is important to note that the electronic policy differs from the usual paper one in that it is purchased independently, in real time. The cost of the document and the risk package are the same and do not depend on the acquisition method.

According to statistics, today every third driver draws up a policy of mandatory protection in real time. This demand is due to the fact that the client:

• saves your time;
• he chooses the terms of the contract;
• shields itself from imposed products.

Do I need to print an electronic OSAGO policy

Is it necessary to print out an electronic OSAGO? This question arises as a result of the fact that in 2017 about 25% of drivers throughout Russia used distance insurance services.

If you carefully study the law, then there are no clear requirements according to which the driver must print the electronic OSAGO form. In addition, there are job descriptions, and special letters from the Ministry of Internal Affairs, according to which the policeman is obliged to check the availability of a virtual OSAGO policy on a special basis.

In practice, traffic police officers are asked to present a paper copy of the contract without fail. Within the framework of the law, each participant in the movement can appeal against the fine issued to him (Article 12.37 of the Code of Administrative Offenses). However, for this you will need to spend a lot of effort and a lot of free personal time.

Therefore, experienced experts advise printing the policy and storing it in the glove compartment. This will ensure that when checking documents, you will not need to prove your case and argue with the inspector.

When is e-OSAGO required?

Considering the issue from a legal point of view, they can stop a car not only to check insurance, but also to have a complete package of documents. Often, the inspector checks only the rights and documents for the vehicle.

Within the framework of the law, traffic police officers may require a motorist to provide an OSAGO policy when:

• issuance of a fine;
• registration of a traffic accident;
• filing a violation report.

If you carefully study paragraph 2.1.1 of the traffic rules, it becomes clear that each driver is required to present a compulsory insurance form when it is established by the relevant Federal Law.

Is it necessary to carry a paper policy with you?

What to do if a car enthusiast bought an electronic contract and there is no way to print it? Should each participant in the movement have a paper OSAGO policy with them?

According to the terms of distance insurance, after paying for the contract, each vehicle owner can print out OSAGO and a payment receipt. You can also send this document to your mobile phone or save it as a photo on your tablet and show it every time you request it.

If you carefully study the law, it becomes clear that nowhere is it clearly stated that a motorist is obliged to provide a paper policy. As a result of this, the traffic police inspector can independently make a request to the single RSA database by the vehicle identification number and obtain all the information necessary for himself.

As a result of the request, you will know:

• name of the insurance company;
• vehicle characteristics;
• contract time.

If there is no information in the unified RSA database, then the inspector has the right to issue a fine.

How to present an electronic OSAGO policy to a traffic police officer

If an early motorist showed the inspector a colored copy of the mandatory protection form, now everything is different. The driver will have to show the printed policy in black and white.

Also, a motorist can present a high-quality photo of the document on his smartphone or tablet. In this case, an authorized traffic police officer is obliged to check the liquidity of the document.

How the inspector will check e-OSAGO

It must be taken into account that the liquidity of the electronic OSAGO can be checked by each traffic participant absolutely free of charge. All information is available on the official RSA portal.

As for the inspector, the verification of documents will take place as follows:

• it will be necessary to present him documents confirming the ownership of the vehicle;
• by identification number, generates a request for its own database and within a few minutes will receive a response about the presence or absence of OSAGO.

What to do when the CMTPL electronic policy is not accepted by the traffic police officer

OSAGO insurance online has become very popular in a few years. However, some road users also experience difficulties on the road. This is due to the fact that not all traffic police officers are ready to accept the contract, which is printed on a regular sheet of paper, in black and white.

It should be noted right away that this problem mainly exists in small towns, where police officers do not have access to a single PCA database. As for large cities, such as Moscow, it is enough for a car enthusiast to say that the contract was purchased via the Internet and the request will be generated in a matter of minutes.

However, if the traffic police officer does not accept OSAGO, you need to:

• accept an official fine for the absence of an OSAGO agreement;
• make a claim;
• send it to the traffic police and specify the requirements.

In practice, after receiving such a claim, penalties are written off with the driver, since the inspectors are well aware that in court, in addition to writing off the fine, the traffic participant will also receive payment for causing moral damage.

Important! Some traffic participants, having studied various information on the World Wide Web, are sure that in such a situation they can film a traffic police officer who refuses to accept a policy. It is worth noting that this is absolutely impossible to do, since the driver will then be called to administrative responsibility. According to the law, it is possible to make a record of an authorized employee of the public service only with his personal consent or the permission of the management.

Possible problems when using an electronic OSAGO policy

It would seem that with the introduction of the new law, the compulsory insurance procedure will become quick and simple. However, in practice, everything is a little different and many motorists face various problems, both when using and when ordering a product via the Internet.

As for the problem when using, in this case, a few should be noted:

Can't make changes

Many insurance organizations are only ready to issue a contract form in real time. If you need to extend the period of using the vehicle or enter an additional driver, you will need to spend your personal time and contact the insurer's office in person.

Geographically, the company is not located in the region of residence

It is no secret that recently all insurance companies signed an additional agreement as part of the work of a single agent. The innovation lies in the fact that the insurer on the official website can sell policies from another financial company legally. As a result, a number of insurers offer to buy a policy from companies that are not located in the region where the owner lives. On the one hand, the owner has insured liability. On the other hand, if it is necessary to terminate the contract or make changes, the insured will face many problems.

Summing up, we can conclude that thanks to the distance insurance service, motorists can significantly save their personal time and buy a compulsory protection policy without imposing additional services. In order to avoid problems on the road with the traffic police, it is better to always have a printed electronic insurance on hand.

Additionally, we offer all motorists to use the help of a highly qualified specialist on our insurance portal. Our expert will answer any question in real time as quickly and accurately as possible for free.

ATTENTION: Stopping a car by a traffic police inspector or another employee of the Ministry of Internal Affairs is not the most pleasant situation. This may mean the fact of a routine check, and even the drawing up of a protocol in view of a violation of traffic rules.

In what situation is it necessary to present a document from the insurance company?

Information about the policy is included in the protocols, requested for verification. And in the event of a traffic accident, an electronic document becomes a guarantee of compensation for losses incurred.

A few years earlier, when stopped by a traffic police inspector, the owner of the vehicle showed a form that was issued to him by the insurer in A4 sheet format. The traffic police officer checked the main details of the document, checked it with a driver's license. But the introduction of an electronic OSAGO policy influenced the change in this procedure.

Each police officer has a special circular that fixes the procedure for checking electronic policies. In addition, recommendations for verification are contained in.

IMPORTANT: These rules and the letter establish that the traffic police officer can check both the printed version of the electronic policy and at the same time independently find information about your insurance in the database, based on data from the driver's license and the state registration number of the car.

However, many traffic police officers in the old fashioned way require a form than introduce drivers Vehicle misleadingly against the law.

Do I need to print to a printer to check?

Despite the fact that today the practice of using this document is very successful, the legislator still advises to print e-OSAGO. And all because the information about the insurance policy, which is contained in your electronic gadget or memory, may not always be available. So, for example, a smartphone can break down, run out of battery, but nevertheless, information may be needed at any moment.

In addition, reconciliation of information about insurance against a driver's license is also not always applicable. The fact is that in the event of an emergency, the traffic police simply will not have time to search through the databases, they will need the information immediately, especially if there are victims.

In theory, paper proof of your auto insurance is not required.. However, practice shows the opposite. It happens that the traffic police officer does not believe the copy you provided. Therefore, you need to not only print out the form of the insurance company, but also put on it the seal of the organization that issued the document for you. And for this, after all, you will have to visit your insurance company personally (?).

How does an inspector check insurance by number?

The study of the procedure for checking an electronic policy by a traffic police inspector deserves special attention:

• When you stop, the traffic police inspector will ask you to show driver's license and an insurance policy.
• The citizen will present a certificate and explain that he is the owner of the electronic version of the policy.
• The traffic police officer will enter a special service of the telecommunications network of the Ministry of Internal Affairs.
• Opens the corresponding base.
• In the empty fields, enter the VIN code of the car, its registration number, details of the driver's license.
• Press the search key.
• After some time of data processing, information about the electronic OSAGO policy will appear on the screen, if one has actually been issued.

One more an alternative option used by the traffic police is a check on the official website of the PCA. This method is used in a situation where the telecommunications network of the Ministry of Internal Affairs is overloaded or is under technical work. The procedure for clarifying data through the PCA website is similar:

1. You need to open an internet browser.
2. In the search bar enter "official site Russian Union auto insurers.
3. In the menu items there is an inscription “find out the number of the insurance policy”.
4. After that, empty fields will appear for your attention, where you need to enter the available data about the car and the certificate.
5. The search procedure starts, after which information about the owner of the OSAGO electronic policy, the organization that issued the document, the validity period, and so on will appear on the screen.

What to do if there are problems?

Unfortunately, situations are not uncommon when a traffic police officer does not want to accept a copy from you or look for information about you in databases. Unfortunately, such problems often come up, due to the fact that not all employees consider the state's innovations to be mandatory.

Actually The e-CTP printout you provided is not formally an insurance policy and the traffic police officer has every right to find fault. The main reason for dissatisfaction is the lack of a seal left by the policy issuing company. But even the absence of a seal is not a violation of the law, and an electronic policy can be checked against the databases.

If your offer to find information about you on the resource of the Ministry of Internal Affairs was refused, be sure to remind the traffic police officer of the internal order, which contains the rules for checking the electronic version of the insurance document. And also, paragraph 7.2 of Article 15 of the Federal Law on OSAGO, and the Rules of the Road contain valuable information.

These regulations approve the possibility of using electronic policies on the road. If you have been fined, you can easily appeal it within 10 days.

Also, if you refuse to search for information about your policy in the databases of the Ministry of Internal Affairs, you can intimidate the inspector with article 286 of the Criminal Code of the Russian Federation, which talks about abuse of power. Such actions on the part of a traffic police officer can be punished by an appropriate fine, the amount of which can reach up to 80 thousand rubles. or removal from office for up to five years.

Conclusion

The legislator thought that it should not create additional difficulties for citizens, but, on the contrary, significantly facilitate all procedures, including communications with representatives of the traffic police. Therefore, hurry up to remind the employee that you have all legal rights to appear on the road and without a completed OSAGO form.

But if you want to save your time and nerves, we still recommend that you set aside a few hours to print the document, as well as certify it with the seal of the relevant institution. We hope that this procedure will not cause you any special difficulties.

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