CTP without additional insurance. The rights of the car owner at the conclusion of OSAGO. Why do insurance companies impose additional services?
The current legislation obliges every motorist to issue an insurance policy CTP. At the same time, the cost of an autocitizen depends not only on the size of the bonus-malus coefficient, but also on various additional services that are imposed on drivers by insurance companies. Therefore, each vehicle owner is interested in the question of how to buy a CTP policy without additional insurance. This and much more will be discussed further.
Why insurers impose additional services on clients?
Despite the fact that insurance is one of the most profitable businesses, many companies nevertheless want to maximize their profits by all possible means. To this end, they force their customers to purchase various related insurance services when they take out car insurance. Therefore, every day it becomes all the more urgent the question of whether additional insurance is legal or not.
The existence of the problem of imposing more than once was written in newspapers, but the situation is only getting worse every year. Insurers almost forcibly force motorists to arrange related services. At the same time, they are not even afraid of the fact that the FAS and the Central Bank of the Russian Federation have recognized such actions as illegal.
Under current law, car owners are required to issue only those insurance services that are provided by law. Everything else is at the discretion of the drivers. However, due to the fact that insurance as a business has become unprofitable, many companies have begun to make various tricks. One of those is the refusal to serve the client, if he intends to arrange insurance at an unprofitable rate for the insured (the lack of forms is given as an argument).In this case, all the bitterness for drivers is that the legislation does not regulate such behavior of insurance companies. Thus, it remains for motorists to only look for places where they can make an OSAGO without additional insurance.
OSAGO: the destruction of myths
Many ignorant people are convinced that OSAGO is life insurance. At the same time, insurers force motorists to insure health, property, undergo inspection at the company's station, which is paid separately, and also impose many other services. Such actions grossly violate not only the law, but also the constitutional rights of citizens. Every person is free to decide for himself whether to insure his life and health for him or not, and no one has the right to force him to do so.
To defend the rights of the car owner at the conclusion of CTP, if the policy has already been issued with additional services, each driver can terminate the insurance contract and demand from the insurer full amount of compensation for all illegally imposed additional services.
The wind of change
Since 2014, the government has strenuously set about changing the legislation regulating the activities of companies operating in the provision of insurance services.The catalyst for this was a series of high-profile scandals that thundered in the media all over the country.
According to these changes, the conditions of CTP are as follows:
- In the event of an accident, the driver must contact his insurance company for compensation. Previously, compensation could have been obtained absolutely from any insurer, but after one incident, when the insurer sent the person who applied to him to another branch that was 400 kilometers away, the authorities found this unacceptable.
- When fixing a road accident without accident officers and representatives of the insurer, the injured person can receive compensation for losses in a larger volume. However, the accident must be recorded in the europrotocol during the first five days after the occurrence of the accident.
- Motorists now have the right to keep the free financial part, not only in the insurance company, but also in many other financial organizations.
- In case of incrimination of the fact of imposing insurance services on clients, the insurer is fined 50 thousand rubles.
In addition to the above changes, the rate on auto-citizenship was also increased.By this, the regulator wants to deprive insurers of any incentives to impose services unnecessary on motorists.
The rights of policyholders
To purchase a CTP policy without additional insurance, each driver must have a detailed idea of their rights.
According to the legislation, which regulates the activities of insurance companies, the rights of car enthusiasts are as follows:
- insurers are public companies, so they must serve absolutely all customers;
- if the insurer refuses to be serviced, the client may sue him in court, which will oblige the insurance company to enter into an agreement and compensate the damage caused to the client;
- in case of refusal to service or establish the fact of illegal activities of the insurance company will be charged a fine.
Thus, knowing their own rights, the driver can issue a CTP without additional insurance.
What to do if the insurer refuses to provide services?
If the insurer refuses to issue you an insurance policy, lawyers recommend that you follow the following procedure:
- To fix the illegal actions of the insurer in any way possible.If there is no voice recorder or video camera on hand, then you can attract witnesses.
- Submit a complaint to the Central Bank of the Russian Federation by registered mail or online on the regulator's website, sticking the obtained evidence.
If you are not well versed in the laws, then you should use the services of lawyers. This will increase the chances of winning a trial.
How to get car insurance without additional services?
To date, there are several ways to design a CTP without additional services imposed by insurance companies. Each of them is time tested and works at 100 percent. If for any reason the insurer refuses to issue a clean insurance, you can always go to court, in which the driver wins in most cases. So, let's consider each of the methods of acquiring compulsory motor TPL insurance without additional insurance.
You can get insurance not only at the office of the company, but also by sending a registered letter with a return notification. If the appeal is ignored, then you can file a complaint with the CBR or PCA, which have a significant impact on insurers.As practice shows, insurance companies are afraid to remain without a license, so they prefer not to play with fire.
If the insurer is trying to impose an extended policy when applying for a motor vehicle, then this should be fixed. In addition, you can ask the insurer for a written explanation of why he refuses to enter into a contract. If there is a written explanation, a lawsuit is filed. In most cases, such litigation lasts for quite a long time, however, in addition to the right to issue an OSAGO without additional insurance, you can also receive compensation for moral damage caused by the insurer.
If the car is for its owner the main source of income, then going to court will not be a very sensible decision, since it will be almost impossible to prove the absence of other sources of income and monetary compensation simply cannot cover the damage incurred.
When signing the insurance contract next to the signature, you must indicate that the insurer refused to issue a policy if additional services will not be issued.A similar note is indicated on the original and copies of the contract. Next, with your copy you need to contact Rospotrebnadzor.
The essence of this method is that insurance is a service, and according to the law, the contract for the provision of any service can be terminated at the request of the client. In this case, you not only do not pay any penalties, but you can even get compensation.
This method does not always work, but it should be adopted. If the insurer does not want to take out insurance without any accompanying services, then in addition to insuring a vehicle, you can arrange any additional service to choose from. The next day you need to contact the insurer in order to terminate the contract with the payment of a penalty, which in many cases is equal to the cost of the policy itself.
Since July 2015, each driver has received the right to purchase an electronic OSAGO. This can be done on the website of the insurer. To do this, you must fill out an electronic form and pay for insurance services. In this case, the insurer simply will not be able to impose absolutely no additional services on you and you will issue a clean policy.
It is worth noting that if you thoroughly study the laws relating to insurance before applying to the insurance company, you can easily get insurance for your car without any imposed services, since insurers prefer not to deceive customers who have at least some knowledge of the law. Nevertheless, the ideal way to avoid any dispute with the insurer when you make a policy is an electronic CTP.
What are the benefits of additional services?
Not all insurance services offered by insurers when they issue an OSAGO are useless for car enthusiasts. For example, the size of the paid compensation without taking into account the wear and tear of the car may be significantly higher than the cost of repairing the vehicle. As many motorists point out, in most cases you can really get very substantial compensation.
It also makes sense to design a service that allows you to call a free tow truck in case of any problems on the road. However, the only inconvenience in this case is that the evacuator should be called through the insurer.
Another service that may be useful is driver’s life and health insurance. The fact is that the size of insurance payments is much higher than the cost of providing medical services. But in the case of driver insurance, the situation is the opposite, so this should be abandoned.
Thus, insurance CTP without additional services can not always be profitable, because in many cases, which were not mentioned in this article, the amount of insurance payments significantly exceeds the associated costs incurred by the driver in the event of a traffic accident.
Whatever it was, to issue additional services or not, you decide. If the insurance company refuses to provide a CTP without other related services, do not be discouraged, as you can find other companies, which today in our country a lot.