In recent years, both insurance for automobiles in general and inspection for motor third party liability insurance in particular have undergone some changes. But not everyone has time to delve into and follow them. The question arises as follows: is a technical inspection necessary if there is insurance?
Inspection for compulsory motor liability insurance and service stations
A diagnostic card shows a check of the vehicle’s technical condition. We are talking about the main indicators, and about additional elements installed on the vehicle. The car must meet the safety requirements for participation in traffic. The duration of the maintenance and its procedure are established by law.
since 2012 coupons ceased to be issued. Instead, they began to issue a diagnostic card, which contains information about the machine, its technical condition and its duration.
Also there were innovations in car insurance.
Inspection and insurance
Together with the new form, the main purpose of passing the technical inspection has changed. Previously, OSAGO was first issued, and then technical inspection was held to obtain a coupon. But now the 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 inspection for compulsory motor third-party liability insurance basically. The diagnostic card does not affect anything else.
Inspection for a new car
According to the current law, the new machines do not need to undergo a technical inspection for the first three years. This applies to cars, trucks and trailers with a maximum mass of not more than three and a half tons, as well as to motor vehicles.
When purchasing a vehicle of the previous year of production, it is formally considered used, although it has not yet been in operation. In this case, the machine will have to pass the first technical inspection after not 3, but 2 years.
Technical inspection is not just a domestic requirement. This is a norm that is consistent with an international convention. Therefore, when traveling abroad, a diagnostic card is needed even for a new car. I must say that not all countries control its availability with the car owner. At the same time, if there is a suspicion that the car is faulty, they can check its technical condition there themselves. And if problems are found, you will have to return home.
Do I renew my policy if the diagnostic card runs out?
Previously, insurance could be issued only when the inspection for compulsory motor third-party liability insurance was valid for at least another 6 months. There is currently 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 ticket, and a six-month period can not be respected.
Do I need to carry a card with me?
Each driver, while driving, must have with him a compulsory insurance policy, a certificate of registration of the car and a driver's license. Traffic police can no longer require drivers to show a diagnostic card. But the motor third party liability insurance policy has the right to ask for a show.
According to the law, the CTP insurance policy is not issued without a technical inspection (that is, without a diagnostic card). Therefore, the need to show this document disappears. However, if there is no policy, then the driver may be fined five hundred or eight hundred rubles. This applies to drivers of category B. Those who must undergo a technical inspection every six months must have a diagnostic card.
Will compensation be paid if the validity period of the coupon has expired?
The changes that have appeared in car insurance have raised many questions. For example, is a technical inspection necessary if there is a policy, or what should I do if the diagnostic card has expired?
Many are sure that during an accident in the UK it is necessary to submit documents on the technical inspection of the culprit of the accident, as well as the injured party. But this is not so. Then, if there is OSAGO insurance, is a checkup necessary? The IC may well file a regressive lawsuit if the culprit of a traffic accident has an expired diagnostic card. But for the injured party, a document on the passage of MOT is not necessary at all.
It should be borne in mind that, according to the Law "On CTP", if there is no diagnostic card, this is not a reason for refusing to pay. Therefore, if at the time of the accident OSAGO insurance is not inspected, then the insurance company will have to compensate for losses on a common basis.
If there is no diagnostic card?
Often the question arises as to whether the fact of the absence of a technical inspection can affect the payment of insurance when a traffic accident has occurred. It turns out yes. In this case, the insurance company may well demand that the company incur expenses be reimbursed to it. But this rule does not apply to everyone. A regressive lawsuit will be directed against those car owners who must undergo maintenance every six months. We are talking, for example, about 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 must not drive without a valid diagnostic card. Otherwise, an administrative fine is imposed on them.
What to look for when going through MOT?
The changes that have received inspection and CTP 2014 are as follows. Traffic police can no longer carry out a technical inspection. This function has completely passed into the hands of specialized diagnostic centers with appropriate accreditation.
When undergoing maintenance, you should pay attention to a special service station. 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, to distinguish a fake card from a real one, you need to pay attention to the following:
- low cost of passing the service station;
- check PCA accreditation;
- number should consist of 21 digits.
After completing the maintenance, employees send a copy of the document to the unified technical inspection system (briefly EAISTO). Data is stored there for five years. Therefore, they are easy to track as needed.
Output
How can I answer the question of whether a vehicle inspection is required for compulsory motor third-party liability insurance? At least this document should not be neglected. It turns out that with the insurance issued, a diagnostic card is also needed. After all, if an accident occurs, and there will be no card with you, the injured party risks being left without payment. Of course, there are no legal grounds for refusing compensation. But, as you know, insurance companies only seek opportunities in order not to pay compensation or pay less. However, if, faced with a similar situation, you decide to seek justice and go to court, the UK, most likely, will have to pay the debt. But, probably, in order not to spend a lot of extra time, nerves and money, it is better to prevent the problem and keep all documents with you, than to sue insurance companies for whole months.
And there is no doubt that the diagnostic card must be real and not expired. Indeed, otherwise the insurance policy will be invalidated. And here no court will help.