In recent years, as insurance for carsin general, and the inspection for OSAGO in particular, have undergone some changes. But not everyone has time to delve into and follow them. The question arises as follows: Do I need a technical inspection if there is insurance?
Inspection for OSAGO and SRT
The diagnostic card shows a checktechnical condition of the car. It's about the main indicators, and the additional elements installed on the vehicle. The car must meet the safety requirements for participation in road traffic. The period for passing the TO and its procedure are established by law.
since 2012, coupons have ceased to be issued. Instead, they began to issue a diagnostic map, which contains information about the machine, the technical state and the duration of its operation.
Also there were innovations in auto insurance.
Inspection and insurance
Together with the new form, the main goal has also changedpassing the technical inspection. Previously, first issued OSAGO, and then passed a technical inspection to get a coupon. But now the order of procedure has changed. Initially, a diagnostic card is required, and already on the basis of it a policy is issued. It turns out that drivers need a checkup for OSAGO in the main. No other diagnostic map is affected.
Inspection for a new car
According to the current law, new carsThe first three years of technical inspection is not necessary. This applies to cars, trucks and trailers, which have a maximum mass of not more than three and a half tons, as well as motor transport.
When purchasing vehicles of the previous yearrelease formally it is considered second-hand, although it was not yet in operation. In this case, the first technical inspection of the car is to pass after not 3, but 2 years.
Technical inspection is not easya domestic demand. This is the norm that corresponds to the international convention. Therefore, when going abroad, a diagnostic map is needed even for a new car. I must say that not all countries control its availability from the car owner. In this case, if there is a suspicion that the machine is faulty, they can check its technical state. And if a problem is found, you'll have to go home.
Should the policy be renewed if the diagnostic card ends?
Previously, insurance could be issued onlywhen the inspection for OSAGO was in effect for at least 6 months. At present, there is no such need. Even if, for example, the card expires on June 30, a new policy can be issued on the same day. Now there is no coupon, and a half-year term can and should not be observed.
Do I need to carry a map with me?
Each driver, while driving, must havewith a compulsory insurance policy, a certificate of registration of the car and a driving license. Employees of traffic police can no longer require drivers to show a diagnostic map. But the policy of OSAGO auto inspector has the right to ask to show.
According to the law, a MTPL policy without inspection (thenthere is no diagnostic card) is not issued. Therefore, the need to display this document is eliminated. However, if there is no policy, the driver can be fined five hundred or eight hundred rubles. This applies to drivers of category B. Those who need to undergo technical inspection every six months, a diagnostic map must be required.
Will the compensation be paid if the validity period of the coupon is over?
The changes that have appeared in auto insurance have spawned many questions. For example, do you need a technical inspection if you have a policy, or what if the period of the diagnostic card has expired?
Many are sure that when an accident in the UK is necessarysubmit documents on technical inspection of the culprit of the accident, as well as the injured party. But this is not so. Then, if there is insurance of OSAGO, do you need a checkup? The UK may well present a regressive claim if the culprit of the road accident has a diagnostic card with an expired validity. But for the injured party, the document on the passage of the TO is completely unnecessary.
It should be borne in mind that, according to the law "OnOSAGO ", if there is no diagnostic card, this is not an excuse for refusing payment. Therefore, if at the time of the accident there is insurance of compulsory motor TPL insurance without inspection, the UK will have to compensate for losses on general grounds.
If there is no diagnostic card?
Often the question arises as to whetherfor payment under insurance, the fact of lack of technical inspection when the accident occurred. It turns out, yes. In this case, the UK may well demand that the expenses incurred by the company be reimbursed to it. But this rule is not applied to everyone. A regressive claim will be filed against those car owners who must undergo maintenance every six months. It is, for example, specialized vehicles with which dangerous goods are transported. It is also a taxi, and a vehicle with more than 8 seats, which are designed for passenger transportation. Drivers of such vehicles can not drive without having a valid diagnostic map. Otherwise, an administrative fine is imposed on them.
What should I look for when I pass the TO?
Changes that got inspection and OSAGO2014, are as follows. The traffic police officers can no longer carry out a technical inspection. This function has completely passed into the hands of specialized diagnostic centers with appropriate accreditation.
When passing through, it is necessary to pay attention tospecial service station. The issued cards must have a 21-digit number. If the center provides services at a lower cost, there is reason to think about its legitimacy.
So, in order to distinguish a fake card from the real, you need to pay attention to the following:
- understated cost of passing the service station;
- to check the accreditation of the SAR;
- number must consist of 21 digits.
After passing the TO staff send a copydocument in a single system of technical inspection (shortly EAISTO). Data is stored there for five years. Therefore, they are easy to track as needed.
Conclusion
How can I answer the question of whethertechnical inspection for OSAGO? At least, we should not neglect this document. It turns out that with the insurance issued, a diagnostic card is also needed. After all, if an accident occurs, and there are no cards with them, the aggrieved party risks remaining without payment. Of course, there are no legal grounds for refusing compensation. But, as is known, insurance companies only seek opportunities to not pay compensation or pay less. However, if, faced with a similar situation, you decide to seek justice and apply to the court, the UK will most likely have to pay the debt. But, probably, not to spend a lot of unnecessary time, nerves and money, it is better to prevent the problem and keep all the documents with you than to sued the insurance companies for months.
And the need for the diagnosticthe card was real and not overdue, you can not doubt. After all, otherwise the insurance policy will be invalidated. And here no court will help.
