Pts psm will be assigned to an insurance company. How to find out an insurance company by PTS number and do you need a technical passport when applying for compulsory motor insurance? How to find out the company name by registration number
On August 25, 2017, I applied for OSAGO pole insurance online through the website https://my.rgs.ru/. After filling out the data from the Rosgosstrakh website, I was asked to go to the RSA website and continue registration under its control. I tried to apply for OSAGO online through other insurance companies (Alfastrakhovanie, Ingosstrakh and RESO-Garantiya), but after filling out the data they all redirected to the RSA website. Further, after entering the PTS number, everyone redirected me to the website http://egarant.autoins.ru, with the comment “THE SYSTEM OF GUARANTEING THE CONCLUSION OF AN ELECTRONIC OSAGO AGREEMENT ALLOWS YOU TO EXECUTE AN ELECTRONIC OSAGO AGREEMENT UNDER CONTROL BY RSA. MERU PTS /PSM THE INSURANCE COMPANY JSC Insurance Company "YAKOR" WILL BE APPOINTED, where I continued the registration.
After filling out the required data on the website and presenting the required documents to verify the authenticity of my identity, I was asked to pay the fee in the amount of 10,377 rubles 36 kopecks. Before paying for the pole, I contacted the Anchor operator at the contact phone number 8-800-200-99-62 and the RSA representative 8-800-200-22-75 (with a 20-minute wait, all operators are busy) and clarified the authenticity and correctness sites through which the registration was made. Then I made the payment. I have not received an SMS to my contact phone number with the order number that the company employee mentioned, and I still have not received any information about the registration of the pole.
The RSA representative said that the pole would be sent to me within 24 hours, but by August 30, 2017, I still had not received it. I checked with the bank, the payment was received, but Jakor JSC does not have my data, because. all registration took place through the RSA website, http://egarant.autoins.ru and you need to wait for registration from them. I contacted the RSA representative again (again a 20-minute wait) with a request to check whether the payment went through, to provide the registration number for the MTPL pole, or to provide at least some options for further actions in order to receive the pole, they rudely told me to write an application and wait for consideration ( the application registration period is 5 days, the application review period is 1 month), and they have nothing more to help me with and the employee hung up.
Today I have the following situation: the money has been debited from the account; I do not have any data confirming the fact of registration of the pole (neither an order number nor an SMS with data on the completed registration was provided); in the database of JSC "Yakor" I'm absent because... RSA did not provide them with any data; RSA also does not provide any data, commenting that they do not have access and refer to writing an application with a review period of 1 month, I can no longer drive a car, because... the previous insurance ended on August 27, 2017, but there is no new one and it is not known when it will arrive.
When purchasing an MTPL policy online, a request is made to the database of the Union of Auto Insurers. The AIS requests information that is needed to issue an insurance document. Typically, insurers require the driver's license number, driver's license plate number, and vehicle VIN. But sometimes they ask for additional information about the vehicle. And in this case, they are primarily interested in data from the PTS. The motorist must provide the document number and the date it was issued. This information can later be used when searching for a car or OSAGO form through a single RSA database.
In addition, on the official website of the Union of Auto Insurers there is a service that, using the PTS number, allows you to determine the company with which the car is insured. You only need to enter the certificate number in the form; you do not need to indicate the series. After this, the site user will be shown information about the insurance company with which the owner of the vehicle issued the auto insurance policy. But only the name of the organization will be indicated. The specific office of the insurance company, its location, region and other contact information (telephone number, email) will not be indicated.
Checking against the RSA database for PTS online
Punching against the PCA database will allow you to determine the authenticity of the document. Thus, through the website of the Russian Union of Auto Insurers it will be possible to find out not only about which company has the vehicle insured. If information about the insurer is found through this service, it means that the PTS with the entered number exists in the AIS. And this suggests that this document is valid. If the system shows an error and reports that there is no data about such a car, this is a reason to think about whether the passport is being checked for legality.
If a motorist needs a more serious verification of the authenticity of a vehicle’s passport, it must be done at the traffic police department. There they will study the document and run it through the general database. After which they will tell you whether it is genuine, and will also tell you whether the car for which it is registered has been deregistered.
If a car enthusiast needs some more detailed information about the car he is purchasing, which he decided to check using the title, he should use the data that is in the document. It contains the VIN and other technical characteristics of the car. Using them, you can find out whether the vehicle is stolen, whether restrictions on sale or deregistration are imposed on it.
Every car owner is faced with the need to purchase an MTPL policy every year.
Many people are concerned about the question of what documents are needed to obtain insurance and, in particular, whether it is possible to issue a policy if you do not have a vehicle passport (PTS) with you.
At the same time, the answer to this question can be easily found in the Law “On Compulsory Insurance of Civil Liability of Vehicle Owners.”
And if previously, in order to sell a car, it had to be deregistered with the traffic police, then today the vehicle is sold directly with old plates and registration certificate.
Thus, having purchased a used car, the new owner will receive an STS, which indicates the previous owner of the car. Confirmation of the fact of a change of owner in this case is the purchase and sale agreement signed between the buyer and seller, as well as the PTS, to which the parties make the necessary changes during the transaction.
It will not be possible to purchase compulsory motor liability insurance without a vehicle passport under such circumstances., since the policy is issued to the owner of the car, and this information will be reflected in the registration certificate only after the new owner registers the car with the traffic police in his name.
ATTENTION: It will not be possible to register the car and make changes to the STS without an MTPL policy. According to clause 15.6 of the Order of the Ministry of Internal Affairs No. 605, insurance is a mandatory document when registering vehicles.
Since it is possible to confirm the legal ownership of a used car before its registration with the traffic police only with the help of a vehicle passport and a purchase and sale agreement, in such a situation it will not be possible to buy without an OSAGO title.
In what cases can you do without it?
First of all, you need to figure out what you need to buy a policy. The list of securities is strictly limited and regulated by Article 15 of the OSAGO Law and looks like this:
- Statement of intention to draw up a compulsory motor liability insurance agreement.
- An identification document of an individual or a certificate of state registration of a legal entity.
- Vehicle registration document issued by the traffic police.
- Driver's licenses of all persons who will drive the vehicle.
- A diagnostic card issued based on the results of a technical inspection of the vehicle.
IMPORTANT: the insurance agent has no right to demand documents not included in this list.
As can be seen from the list, the Law obliges the car owner, when applying for compulsory motor liability insurance, to provide the insurance company with a form for registering the car with the traffic police. This can be either the STS of the car or the PTS. Thus, in most cases, when applying for compulsory motor liability insurance, a vehicle passport can easily replace a registration certificate.
Problems with obtaining an insurance policy
Today, many car owners are faced with the impossibility of buying compulsory motor liability insurance. Insurance companies do not want to sell policies in problem regions. To reduce unprofitability, insurers take various measures that exclude the possibility of unimpeded registration of insurance, for example:
- Too few policy forms are allocated to these regions.
- Move points of sale to hard-to-reach and remote places.
- Very short office opening hours are being introduced.
All this leads to the fact that citizens face difficulties in purchasing compulsory motor liability insurance from year to year. The solution to this problem was found by the Russian Union of Auto Insurers and it became a system for selling policies called “Single Agent”.
REFERENCE: In each region, sales points have been created where you can guarantee insurance through this system. However, in this case you will not be able to choose an insurance company. The insurer is assigned automatically based on the PTS number.
How to find out the company name by registration number?
In order to check the name of the insurance company that will be indicated on the policy, you don’t even need to leave your home.
- Just go to the RSA website and in the “Information for Victims and Insureds” section, follow the link to define the insurer.
- In the window that appears, you need to enter the PTS of your car without the series, and just below - the security code.
- After clicking the “Find” button, the name of the insurance company on whose behalf the MTPL policy will be issued through a Single Agent will be displayed on the screen.
Now do you know how to find out an insurance company by PTS number?
Preliminary insurance information can be useful to understand whether to issue a policy through a Single Agent or look for another insurance company to purchase insurance directly. The fact is that the system can assign a PTS to an insurance company whose offices are located too far from the driver’s place of residence, which is inconvenient when submitting documents about an accident.
A vehicle passport is the main document for a car. It contains information about all owners, technical characteristics, place and date of production of the car. It is not surprising that car owners prefer to keep this document at home rather than carry it with them along with the STS.
There is also no need to bring the title to the insurance company every year; a vehicle registration certificate is sufficient to purchase a policy. A car passport will only be needed in two cases:
- When purchasing compulsory motor liability insurance before registering the car with the traffic police.
- To register the car with the state.
By the way, the presence of a vehicle passport is also not critical for the Single Agent, since its number and series are indicated in the STS.
Today we will tell you how to apply for compulsory motor liability insurance through a single agent, as well as how to find out in advance which company’s policy you will receive at the point of sale.
Let us remind you that a single MTPL agent must issue policies from all insurance companies, but in a random order. That is, car owners will not be able to choose an insurance company - whichever one will be accepted will be accepted.
How to apply for compulsory motor liability insurance through a single agent
To apply for compulsory motor liability insurance without queues and imposition of additional fees. services, you need to come to one of these single agent sales points and write a corresponding application. After this, you can purchase an MTPL policy, but you will no longer be able to choose an insurance company yourself - it will be assigned to you randomly, depending on the PTS number. At the same time, at the same point of sale you can buy a policy from any other participant in the MTPL single agent program. For example, if you came to Rosgosstrakh and received an ASKO policy, then you do not need to go to ASKO - the policy will be issued by Rosgosstrakh employees.
MTPL policies for single agent work are distributed in proportion to the companies' shares in the market. For example, if Rosgosstrakh occupies 70% of the market in the corresponding region, then 70% of the policies from a single agent will be from Rosgosstrakh.
At the same time, not all single agents received a sufficient number of MTPL policy forms, so in the first days of work they had a queue. It is better to check in advance by phone whether this agent has policies.
How to find out an insurance company by PTS number?
As we already wrote above, the policy of which insurance company you will receive depends on the PTS number of your car. To find out your company in advance, you can use the online service on the RSA website: checkagent.autoins.ru
Such a check will be useful if, for example, the chosen company is not suitable for you for certain reasons or there is no branch in your area, which will complicate receiving payment in the event of an accident. In this case, there will be no point in applying for a policy to a single agent.
- Single MTPL agent in Naberezhnye Chelny - sales points are known (+addresses)
- Single MTPL agent in Tatarstan: list of companies (+addresses)
