Is it compulsory to insure life while insuring the car? Do they have the right to insure life?
Is it compulsory to insure life with insurancecars? This question for some time interests almost all motorists, who are making insurance for the first time. And those who extend the existing document, do not always know the answer to this question.
Since the MTPL insurance policy is mandatory foracquisitions, many insurance companies began to actively offer various related services as a "cherry on the cake". You can understand them. After the more services a SK manager can sell, the higher will be his own reward. But after all, every insurance costs money, and often considerable. So is it worth buying an additional service, especially if you do not need it?
In this article, we will try to answer questions,exciting for every car owner. Is it compulsory to insure life while insuring the car in Ingosstrakh, RESO, Rosgosstrakh and any other organizations? Let's think about it.
Imposing adherence to insurance
Since few people know for sure whether it is necessaryto insure life when car insurance, many UK, even quite large and famous, began to use this fact to their advantage. It came to the point that the insurers began to massively refuse to issue MTPL without purchasing additional packages of services. At the same time, all of them can not fail to understand that such actions are absolutely illegal.
The calculation goes to the fact that very few of the ownersmachines will want to spend their nerves and money in an attempt to defend their rights. Approximately 70% of motorists agree with the requirements of insurers and acquire unnecessary services to them.
Is it compulsory to insure life with insurancecars? In the "Consent", "MSC", "Ingosstrakh" and other insurance companies know exactly what is not. But what happens in practice? And here's what. When you come to make out a policy, there is one thousand and one reason to refuse you. But do you need to go? Then you have to agree to all the proposed conditions or look for another insurer.
What does the law say?
Is it compulsory to insure life while insuring the car? No and no again! And this statement is by no means unfounded, but confirmed by the following laws:
- "About OSAGO" - this document does not imply the mandatory availability of any other insurance.
- "On the protection of consumer rights". Thus, Art. 16.2 tells us that it is forbidden to stipulate the purchase of one product by the purchase of "the load" of another.
- Code of Administrative Offenses, art. 15.34.1. It provides for the responsibility of the UK for unmotivated refusal to register MTPL, as well as coercion to purchase an additional service. Penalty for such an offense is 50 thousand Russian rubles.
Why additional insurance is optional?
Of course, every driver, even the mostcareful and accurate, while on the road, risks his life and health. But it's up to him to decide whether to insure life with the insurance of the car. Since nowhere, in any legislative act these types of policies are not mentioned together, life insurance is absolutely not related to the operation of OSAGO. As the main law of the state says, a person has the right to dispose of his own health and life. Therefore, in this case, compulsion is a direct violation of the current legislation.
Why is this happening? In the first place, unscrupulous insurers do this. Taking advantage of the fact that many consumers do not always know their rights and are not ready to defend them, they are trying to get as much illegal profits as possible. However, this phenomenon can and should be fought.
How to find a suitable UK
For example, the question "is it necessary to insurelife in car insurance "in" Uralsib "will answer only positively.Sometimes for this insurance company, according to users of social networks, receives the greatest number of complaints .However, other SCs do not lag too far.
There are at least two of the mostcommon tricks, resorted to by unscrupulous insurers. When you come with the intention to re-arrange the insurance, suddenly the forms of OSAGO or the computer program hang up. All the disturbances miraculously disappear when the client agrees to make out additional insurance.
It is very difficult to answer the question of how to find the best insurance organization. The fact is that one and the same SC can work in good faith in one region and allow violations in another.
So, if you doubt, is it necessaryTo insure a life at insurance of the car, in "VSK", for example, it is better not to go. At least in the Ryazan region. According to numerous reviews of car owners, in most offices of this insurance company you will not even be explained. Do not take life insurance? Then there are no OSAGO forms, go through a week. However, it is likely that such reviews are erroneous.
How to protect your rights: the first way
After reading this place, you probably already understood,is it necessary to insure life while insuring the car. OSAGO is quite possible to receive and not pay for additional services. How to do it? There are at least 3 completely legitimate ways. As practice shows, they are all very effective.
Knowing about the possible difficulties in obtaining a policy,in advance, be stocked with a dictaphone or the presence of two witnesses. Offer the employee of the UK to register CTP, while indicating that you do not intend to make any other insurance. At the same time, you can notify the manager of the UK in advance that your conversation is being recorded on the phone, a dictaphone or a video camera. If you are refused, then regardless of the reason, ask for written confirmation that OSAGO can not be issued.
After that you will have to put the car ingarage and apply to the court. The application must enclose all the evidence available: refusal, recording from a dictaphone, written testimony of witnesses and so on.
This method has certain advantages:
- you will get OSAGO without additional "options";
- you can demand from the offender some amount for moral damage - you had to use public transport and very much because of this experienced;
- if the car is used by you for business purposes, you can add the size of the lost profit;
- you can recover real damage: return money for trips by taxi, bus tickets, metro tokens and so on.
There is a drawback in this method - the trial can take about three months.
Method of the second
For those who do not have time to wait so long and run around the courts, there is another option:
- come to any insurance company;
- Declare your desire to receive OSAGO;
- listen to the manager's groans that there are no forms, then agree to all the conditions;
- pay for all additional insurance services and get the coveted OSAGO;
- the next day (and you can also in the same) write an application addressed to the head of the branch of the insurance organization with a request to break the life insurance contract;
- as a reason, you can directly indicate that you did not intend to conclude such a contract, and the manager did not explain to you your right to refuse it;
- to the application you apply the policy, contact phone number and bank details;
- send all this to the UK address by registered mail with an obligatory notification of delivery and patiently wait 14 days.
Since refuse to terminate the contractthe insurance organization has no right, then within a week (and maybe even earlier) you will be called back by the manager and will offer to specify exactly how you want to receive money.
However, there is one underwater rock, onwhich is worth paying attention to. It means a penalty, which you have to pay for the cancellation of the policy. If it is more than 10-15% of the cost, then it does not make sense. In this case, the method can not be called effective enough.
Another option: FAS
Visit to the Federal Antimonopoly Service(abbreviated as FAS) can also bear fruit. However, for this you will have to obtain an official refusal to issue MTPL. As you understand, to issue his SC are in no hurry.
If a written refusal is not given to you, but notmake out a policy without an indispensable life or property insurance, agree. But when signing the document next to your signature in 2 copies write "without compulsory insurance of property (life or anything else) in the provision of OSAGO was refused." Now, with your copy, go boldly to Rospotrebnadzor or the nearest FAS office. They will help you to restore your rights, and the SC will be fined.
Since, to date, mostcar owners are still not ready to defend their rights, many insurance organizations continue to conduct their illegal customer service policies. To reverse the situation, you must always respond to every such case. Since you now know for sure whether it is necessary to insure life with car insurance in MSK, SOGAZ, Prominstrakh, NASCO or any other company in Russia, you will no longer be able to impose an unnecessary addition to you.