The trailer, according to the SDA, is a vehicle. We know that, except for certain exceptions, all vehicles require insurance. But do you need OSAGO insurance for trailers and semi-trailers, or is it enough to put a mark " used with a trailer"to the current OSAGO policy?

In order to find out, we need to refer to the current legislation for 2020. To be more specific, the obligation to insure certain vehicles is prescribed to us by the Federal Law on OSAGO. So we bought a trailer for our car, what are our next steps?

Do I need to insure a trailer under OSAGO?

The trailer, as we found out, is a vehicle, but whether it needs a separate OSAGO policy for 2020, we can find out by looking at the Federal Law "On OSAGO", specifically Article 4, clause 3 of which establishes exceptions for which vehicles insurance need not. Are there trailers? Yes, but with a limitation:

3. Insurance liability civil liability does not apply to owners:
....
e) owned by citizens trailers for cars;

As you can see, the obligation to purchase a policy for a trailer does not apply to owners of trailers for passenger cars only. But for trucks, trailers will have to be insured. More precisely, not quite so - for trucks, a mark on the use with a trailer is required (more on this below). Please note that trailers this case include both semi-trailers and trailers-dissolutions. Thus, OSAGO insurance for car trailers is not needed.

If suddenly a reference to the Federal Law is not enough for you, then the Supreme Court of the Russian Federation in its decision No. 2 of January 29, 2015 confirmed and explained this provision of legislation:

49. The obligation to insure civil liability does not apply to car trailers owned by citizens (subparagraph "e" of paragraph 3 of Article 4 of the OSAGO Law).

Do I need to mark "used with a trailer" in the car policy?

With a note about the possibility of driving a car with a trailer, everything is also simple, and there are no auto subtleties here. The above Federal Law stipulates the obligation to insure trailers only for trucks, and does not say a word about marks about the use of passenger cars with a trailer.

At the same time, paragraph 7 of Article 4 of the Federal Law "On OSAGO" provides for the procedure for concluding an agreement compulsory insurance for trailers for trucks:

7. The obligation to insure the civil liability of owners of trailers to vehicles, with the exception of trailers owned by citizens for cars, is fulfilled by concluding a compulsory insurance contract that provides for the possibility of driving a vehicle with a trailer to it, information about which is entered in the compulsory insurance policy.

And, if you have ever heard something about the mandatory presence of the mark "used with a trailer" in the insurance policy, then this applies to trucks. It is necessary to enter the trailer in the policy of trucks.

Why is this particular mark put, and not a separate policy for the trailer is issued? The point here is that among the trucks there are tractors with trailers (trucks in the common people). And in this case, one tractor can even drive with different trailers within one day. Therefore, it is illogical if every trailer must have an insurance policy. And the mark in the OSAGO policy of the truck itself gives it the right to drive with any trailer.

Calculate the cost of an OSAGO policy

Does a trailer need a technical inspection and a diagnostic card?

It is also not necessary to pass inspection on the trailer separately. In general, the technical inspection coupon is a thing of the past, along with the obligation to present it to the traffic police at a stop. Today, 2020, the fact of passing the technical inspection is confirmed by the diagnostic card issued by the technical inspection point. But the law entrusted insurance companies with checking its existence, and diagnostic card becomes necessary only for the acquisition of the OSAGO policy.

Thus, trailers do not need to undergo technical inspection or have a diagnostic card.

What is required for a trailer?

For the reason that the trailer is a vehicle, it must be registered with the traffic police and get an STS (pink plastic card), as well as numbers. And here it doesn’t matter whether it’s a trailer for a car or a truck.

At the same time, the cost of obtaining these things for trailers in the form of state duties is lower than for cars.

How to drive with a trailer according to traffic rules and what to do in case of an accident with a trailer?

Based on the foregoing, if you are driving a trailer in a car, then you must have 4 documents that you must submit for verification when stopping by a traffic police inspector:

1. driver's license;
2. STS on a trailer;
3. OSAGO policy for the car.

If you drive a truck with a trailer, you will need the same set of documents, but with a slight difference:

1. driver's license;
2. STS on a truck;
3. STS on a trailer;
4. OSAGO policy for a truck with a mark on the possibility of using it with a trailer.

In the event of an accident in a car, if the point of contact was (including) a trailer - that is, if the trailer was damaged in an accident as property or the driver driving the trailer became the culprit, then the accident is drawn up as usual, similar to a car. It's just that the documents indicate everywhere that the driver drove this car with this trailer and the registration data of the trailer are indicated.

Also, nothing prevents you from registering an accident with a trailer according to the European protocol, if other criteria for such registration without the participation of traffic police officers make it possible.

In accordance with the law, a compulsory OSAGO insurance policy is issued for each vehicle. But owners of a passenger road train are increasingly asking the question: “Do I need insurance for a trailer?”

Features of trailer insurance

A trailer is a vehicle without an engine. Today, there are a number of classifications of trailers: single-axle or two-axle, platforms, frame or flatbed, designed to transport dangerous goods or non-dangerous. However, the basic classification is the division of this transport into cars and trucks. It is known that trailers intended for operation in conjunction with a cargo tractor or for the transport of hazardous substances are subject to insurance. But what about the passenger mode of transport? Do I need to insure a trailer for a car?

trailer insurance policy

The question “is insurance for a light trailer needed or not” has yet to be sorted out. But for starters, it would be nice to understand what an OSAGO insurance policy is, what nuances do car owners encounter during registration? - The exact decoding of OSAGO sounds like this: compulsory insurance auto civil liability. In practice this social measure, which entered into force on July 1, 2003 and is regulated by Federal Law No. 40 of May 25, 2002, which is valid only on the territory Russian Federation. The measure is aimed at creating financial guarantees for damages between the participants in the accident.

OSAGO objects include property interests that are associated with risk. This refers to the risk arising from damage to health, life, property using vehicles, including a trailer. The cost of the policy for any type of transport is different. It is influenced by: the operational period, the region of registration of the trailer. And the calculation takes place according to the formula: Tb * Kt * Kp. At the same time, Tb is the base tariff, Kt is the territorial coefficient, Kp is the component of the period of use.

Why insurance protects

What's Included insurance coverage under an insurance policy? In addition, the car owners of the road train are interested in the situations in which damages are compensated. OSAGO protects liability to third parties who have suffered damage. That is, if a motorist gets into an emergency and is found guilty, the insurance company pays damages to the injured party. At the same time, the person responsible for the accident restores his property on his own. The presence of a CASCO policy allows even the perpetrator of the accident to receive compensation for losses for various reasons:

1. Theft or theft of individual parts of the unit.
2. Damage caused by road accidents, natural disasters, fires.
3. Destruction of the device under the influence of natural factors: snow, ice, soil failure.

Types of trailers subject to insurance

Article 7 of the Federal Law “On Compulsory Insurance of Civil Liability of Vehicle Owners” exempts owners who own a light trailer weighing up to 3.5 tons from compulsory liability insurance. They have the right to choose on their own and, if they wish, can purchase a policy under the CASCO program. At the same time, as already mentioned, equipment intended for operation in conjunction with a truck and for the transport of dangerous goods is subject to mandatory completion of this procedure.

As for legal entities, civil liability insurance is necessary for them in without fail for any type of transport, including a car trailer.

Do I need to make a note used with a trailer in the car policy?

Basically, this procedure is associated with freight transport, in conjunction with which more than one trailer is often used, even within one day. Therefore, it makes no sense to insure each of the caravans separately. A mark in the official sheet of the autotractor allows you to move any trailed equipment.

Types of insurance policies

1. Insurance policy without restrictions. The peculiarity of this type is not in the untimely period of use (although this may well be), but in the unlimited change of the list of trusted persons. As a result, insurance costs are high.
2. Limited. An insurance policy with a limited expiration date is cheaper. A list of persons admitted to driving a road train is drawn up for a certain period, consisting of consecutive or inconsistent months (for example, March-August-September). At the same time, the state establishes minimum term, which for individuals is 3 months, and for legal entities - half a year.

Inspection and diagnostic card for the trailer

Today, the fact that the vehicle has passed the technical inspection is confirmed by the issuance of a diagnostic card containing a conclusion on the possibility of its operation. Trailer insurance for a car, if the owner of a road train with a gross weight of up to 3.5 tons is an individual, does not imply obtaining a diagnostic card for registration of civil liability. For legal entities and other categories of trailers, regular inspection is expected:

• Not older than 3 years - exempt.
• From 3 to 7 years - once every two years.
• From 7 years - annually.

What is required for a trailer?

As a vehicle, a trailer undergoes mandatory state registration in the traffic police department. After that, a certificate of registration of the vehicle and numbered units are issued. This is regulated by law and applies to all trailed units without exception. At the same time, the size state fees for this is lower than for cars:

What to do in case of an accident with a trailer

When operating a car with a trailer, you must keep and, upon request, provide the inspector of the patrol service with four documents:

1. Driver's license.
2. STS on the car.
3. STS on a trailer.
4. OSAGO policy for a car in some cases marked “used with a trailer”.

An accident, in which the trailer was also damaged, is drawn up in the same way as an accident without the participation of trailers. And it can also be issued according to the Europrotocol. Only a note is made in the documents that the vehicle was in conjunction with a trailed unit, its registration data is indicated.

Trailer insurance for a car for individuals is optional. With the exception of the operation of a road train for the purpose of transporting dangerous goods or with a gross weight of more than 3.5 tons. Legal entities and owners of cargo trailers must undergo this procedure.

OSAGO insurance for a light trailer: to issue or not to issue?

With the beginning of the new year 2017, the issue of the need to obtain OSAGO insurance for light trailers is again being actively discussed on the network. Heated discussions do not subside in in social networks and forums for motorists. In order to prevent the spread of myths, we decided to consider this issue in detail.

Types of trailers and insurance

Despite the fact that the trailer is not equipped with an engine, it is classified as a vehicle. However, the trailer cannot move on its own. It is used to transport a variety of goods (long-length, building materials, bulk, etc.), but its transportation is possible only if you have a car.

Transportation of motorcycles on a light trailer is convenient and fast way deliver the vehicle

Today there are many various criteria, according to which trailers are classified (flatbed or platforms, one- or two-axle, etc.). However, the main feature according to which trailers are classified is the type of vehicle. So, trailers are cargo and cars. If the situation with cargo trailers is more or less clear (they, like trucks, are subject to mandatory registration of an insurance contract), then conversations about light trailers have been sharpening for a long time and actively.

Both experienced and newly minted motorists annually ask themselves the question: “Has the law regarding light trailers changed, and is it necessary to rush to issue OSAGO?”.

Do not worry, because in Russia for 9 years now there has been a law according to which individuals – owners of light trailers are not required to take out OSAGO insurance. From now on, the motorist decides on his own whether he wants to insure a tractor with a maximum weight of up to 3500 kg. Those. if the owner of the car expresses a desire to insure the trailer, no one can prevent him from carrying out his plans.

law voluntary insurance trailer is not prohibited.

Federal law clearly regulates the issue of drawing up an insurance contract for cargo trailers. Regardless of the participant legal relations(individual or legal entity), this process is mandatory.

But if the situation is simple with individuals, then with legal entities the situation is completely different.Legal entities– owners vehicle- must take out OSAGO insurance for a light trailer.

Individuals take out insurance for a light trailer at their own discretion

OSAGO insurance policy: how to calculate the cost

The following circumstances affect the cost of car insurance:

• operational period (segment of use);
• the region in which the trailer is registered.

The cost is calculated according to the formula: Tb (base tariff) x Kt (territorial coefficient) x Kp (component according to the period of use).

Note that today there are no discounts for the absence of accidents.

Many farmers use a light trailer only during the planting and harvesting season.

Let's say a few words about the period of operation of the trailer. It is not uncommon for a motorist to use a trailer only at certain times, for example, from March to October, when the summer season begins and ends. In this case, the OSAGO insurance contract can be drawn up precisely for this period. Of course, no one forbids you to take out insurance for the whole year. But if you want to cut costs, then autocitizen for a certain period will help you do this. By the way, the minimum period for which individuals can insure a trailer is 3 months, and for legal entities - six months. Also, you cannot split the minimum period into several parts (for example, March, September-October).

There are several types of OSAGO insurance

Types of OSAGO insurance

Depending on the number of drivers who are allowed to drive the vehicle, there are several types of OSAGO insurance for passenger cars:

• "limited" insurance;
• "unlimited" insurance.

The first type implies an increase in the number of persons allowed to drive a car and a trailer, as well as the exclusion of specific people from the list. To obtain such a policy, the car owner sends to insurance company the corresponding statement. The cost of this type of autocitizen is lower than the "unrestricted" type. This type The policy is not provided for legal entities.

A feature of the second type of OSAGO insurance is that if the owner of the vehicle gave oral permission to use or issued a power of attorney for another person, then “unlimited” insurance applies to this case. If the owner wants to entrust the management to another person, then it is no longer necessary to make changes or additions to the OSAGO. Such insurance, due to more advanced features, has a higher cost.

The trailer caused an accident, but since the owner took care and took out OSAGO insurance, the damage was reimbursed

What does the autocitizen protect from?

According to OSAGO, the liability of the driver (owner of the trailer) is insured for the damage that he can cause to the health and lives of other people involved in a traffic accident. At the same time, the driver who is responsible for the accident does not receive payments for repair work car and trailer. An insured event occurs in the event of:

• theft of components of the property that was insured;
• trailer theft;
• damage caused as a result of a traffic accident;
• damage as a result of a natural disaster (squall, collapse of trees, hail, etc.);
• property fires;
• soil failure;
• damages from illegal actions of a third party.

At the same time, the autocitizen will not protect in the event of:

• registration of insurance for another car, and not the one that had an accident;
• infliction of moral damage;
• participation of the trailer in races, training rides, various experiments;
• if the damage was caused in the process of loading and unloading the trailer, etc.

Penalties for not having the required MTPL insurance policy for the trailer

According to federal law, if the car owner refused to take out insurance, and the policy is mandatory for a car trailer, a fine of 800 rubles is imposed on him. The same amount will be charged if the policy is overdue. It is noteworthy that if the driver has a policy, but did not take it with him, the fine will be 500 rubles.

In addition, fines for the lack of OSAGO can be levied constantly and then the total amount can be impressive.

To avoid such penalties, it is cheaper and easier to draw up an insurance contract.

To avoid fines, do not forget home insurance

conclusions

Today, buying trailers has become a very convenient and simple procedure. Having decided on the purpose of the tractor and the types of goods that you are going to transport, you can choose a trailer for every taste and budget. Fortunately, the market includes products of domestic and foreign production (MZSA, Trailer, Kurgan trailers, Laker, RYDWAN, etc.).

In addition to the fact that now the car owner does not need to pay money to transport companies or ask a neighbor for help in transporting cargo, buying a new light trailer does not need to take out insurance and undergo MOT. The only point worth considering before fully enjoying the delights of your own trailer is the registration of the vehicle with the traffic police. This moment is very important, but it will not take you much time. By contacting any registration unit, you can register a trailer.

We note once again that legal entities and all enterprises are required to insure light trailers.

In order for the procedure for obtaining an OSAGO insurance contract to be successful and fast, you must have an up-to-date valid MOT coupon for a specific vehicle. And if individuals can undergo technical inspection of trailers (with a maximum weight of up to 3500 kg) at their own discretion, then legal entities this procedure are required.

The need for registration insurance policy OSAGO for all cars has sparked controversy regarding trailers, which are used by many drivers. Whether you need insurance for a trailer for a car or you can avoid additional costs, we will clarify in the article.

A trailer with wheels belongs to the category of vehicles, despite the fact that it does not have an engine. He cannot drive on his own, but only if there is a car - the driving force. With its help and an additional cargo space, transportation is carried out building materials, bulk materials, including long lengths. Allows controversial situations if necessary, trailer insurance for the protection of interests before third parties, the law "On OSAGO". According to it, individuals and legal entities that own a trailer to a car have the right not to issue a policy.

The main requirement is that its weight should not exceed 3200 kg. That is, if the weight is less than the specified one, no one has the right to force insurance on their trailer. This instruction was confirmed by Decree No. 2 dated January 29, 2015. Supreme Court RF. This also applies to legal organizations. If the question concerns a truck, then information on the trailer is entered at the time of registration of OSAGO for the truck: a mark is made on the use of a car with a trailer. Since such equipment can drive with different trailers, a general permit is issued, providing for the possibility of installing different types additional vehicles.

Important! It should be borne in mind that when traveling to other countries, insurance for cars with a trailer is mandatory. It was canceled only in Russia.

According to the requirements, technical inspection when stopped by the traffic police on the road is not required. Therefore, it is also not required to obtain insurance, which is also convenient for trailers. The presence of a technical inspection is indicated by a diagnostic card, which is not issued without MOT. It may already be required when applying for OSAGO. From the foregoing, it follows that trailers do not require maintenance, a diagnostic card.

It is mandatory to register the described vehicle with the State traffic inspectorate, since the trailer is exactly that. Also, STS, license plates should be issued to him, which is mandatory without reference to the type of car to which he will cling. Only the price of the state duty will differ, it will be lower than for a car.

Types of trailers subject to insurance

Trailer types include:

• platforms
• side views
• on one and two axles, dissolution trailers

Types by purpose:

All trailers are also divided into passenger cars and universal trucks. The former are intended for installation on passenger vehicles, the latter, respectively, for trucks. There are also special purpose trailers:

• dump trucks used to transport bulk materials
• tanks used for liquids
• for vehicles: motorcycles, snowmobiles, boats
• car delivery trucks
• tourist, trailers-dachas aimed at providing people with recreation
• commercial, equipped with commercial equipment
• for transporting animals

What is insured against

The presence of OSAGO guarantees the protection of the interests of the driver in case of his fault in an accident. This also applies to the trailer connection option that was installed at the time of the accident. The insurance coverage covers damage, loss of the material part of the property - a car, and causing harm to the health of people, including pedestrians. Insured events include theft of a trailer, natural disasters in the form of hail, hurricane, landslides, illegal actions of other persons.

Exception cases include:

• compensation for moral damage
• issuing a policy for another vehicle that has not been involved in an accident
• trailer overload
• racing

That is, you should not expect to pay insurance compensation in the event that the conditions under the concluded agreement are not met. It must be read carefully before receiving it in order to behave correctly on the road.

Types of policies

The classification of insurance contracts involving a trailer is directly dependent on the number of drivers allowed to drive. In this regard, there are types:

• limited
• unlimited

limited insurance

A limited number refers to the entry of specific persons or one driver. You can also exclude persons who are not covered by insurance (the owner of the car wants to restrict access to driving the vehicle). To draw up such an agreement, you must apply to the UK with an application. Initially, this type is not intended for registration. legal entities.

Unlimited Insurance

Insurance without restrictions implies the use of the vehicle for its intended purpose without specifying the list of drivers. That is, paying a little more base fare, you can get insurance coverage and not keep track of who will drive the vehicle.

What is the price

The category of drivers who have trailers and wish to insure their liability taking into account it, is interested in the question of the price, how much more expensive the insurance payment will be. The answer to the question lies in taking into account some features. The determination of the trailer coefficient is affected by:

• trailer service life
• region of registration

For the calculation, a formula is used in which the base rate is multiplied by the coefficient for the territory and by the part that determines the time of use.

Important! Discounts for the absence of an accident are not provided.

When calculating, attention should be paid to the time of using the product for its intended purpose, since there are drivers who do not operate it in winter, in spring. That is, a restriction is established that is justified and will serve as a reason for reducing the calculation of insurance. When calculating, you should also take into account the requirement for the minimum period that insurance can cover:

• 3 months for individuals
• 6 months for legal organizations

Important! It is impossible to break the established minimum for the insurance period into parts. This applies to both legal entities and individuals.

To facilitate the process of calculating the cost of the calculation, online calculators are used. It is available on the websites of insurers and on other, informational, to help drivers. To perform the calculation, you must enter data on your car, driving experience (the smallest is indicated if there are several drivers), region, and other data that affect the price. After pressing the button that activates the service, an almost instantaneous payment will occur. So you can see how much the figure will increase depending on the presence of a mark on the trailer.

Penalties for not having a policy

In cases where, according to the requirements of the OSAGO law, the driver of a car with a trailer is required to have insurance for the trailer, but it is not, liability is provided. Administrative penalty according to the Code of Administrative Offenses of the Russian Federation is 800 rubles. If the document is overdue, the punishment is similar. The amount is lower by 300 rubles if the document is available, but not available at the time of the check.

Receiving payments in case of an accident involving a trailer

When issuing OSAGO, the use of additional funds to it is taken into account. The driver must be aware of his responsibility for the truthfulness of the information provided. The reason is to cancel the payment of compensation if, in the event of an accident involving a trailer, there is no corresponding entry in the contract. It should be remembered that the insurer has the right to claim the paid funds for another 3 years after the event, if the hidden truth becomes known.

In case of occurrence insured event– accidents involving a trailer, payment is made if:

• the contract is drawn up taking into account all the rules, there is a mark about the trailer, no typos
• 2 vehicles were involved in the accident
• damage to property and health of the victims. In this case, the injured party applies for compensation

The driver during a traffic accident must have with him:

1. a certificate confirming the right to drive a vehicle of the corresponding category
2. STS for a cargo vehicle
3. STS for trailer
4. OSAGO on a car with a mark on the possibility of installing a trailer

The general system for registering an accident, even in the event of damage to the trailer, does not differ from that provided for vehicles without them. Only the item with data on the car is more extended, since the presence of a trailer and its registration number are also indicated. An incident can also be registered according to the Europrotocol, since the trailer cannot affect the number of participants in the incident, it is not an independent vehicle. That is, even if 2 vehicles are involved in the accident, each of which had a trailer, 2 vehicles will still be recorded.

Important! When choosing the option of registering an accident according to the Europrotocol, one should not forget that insurance coverage in this case is limited, you should not count on an amount greater than 50,000 rubles.

Conclusion

From the above information, it follows that in Russia, owners of passenger cars and trailers for them are allowed to independently assess the possible risks associated with the movement of a vehicle coupled with another vehicle for cargo. To reduce the risk of an unpleasant situation, it is advisable to issue an OSAGO taking into account the trailer, especially since this can only be done at a certain time of the year. If you own a truck with a trailer, then you need to take out insurance for it, as well as monitor the timely extension.

Offices of insurance companies on the map

Trucks specialize in the transportation of various items. This feature of operation requires the presence of a towing device. If you wish to use a trailer, the motorist must familiarize himself with the accompanying rules and requirements of third party liability insurance.

Often, drivers have various kinds of questions regarding the purchase of OSAGO for a tow hitch. Do trailers need service? How much does OSAGO cost for adaptation? How to make a payment? The motorist will find answers in this article.

Do I need insurance for a cargo trailer?

Changes in the law on the policy of compulsory auto insurance regulate that owners of cars with trailers have the right not to issue additional document. Individuals and legal entities that own a cargo trailer can purchase an insurance policy only for the main vehicle.

However, the OSAGO document will contain information confirming the possibility of using a car with a tow hitch for transporting goods. The cost of such a policy will be calculated taking into account the increased coefficients.

When making a deal, the model of the trailer will not be indicated in the insurance contract, so the motorist may not specify this information when preparing for the execution of the document. This feature gives the driver additional advantage: He can use any trailer he has at his disposal.

It is important to consider: if the organization owns only one device for transporting additional cargo, which is used alternately by several cars, you need to take care of the presence of a note in the policy of all these vehicles.

Do I need to register a trailer with the traffic police

The answer is obvious - it is necessary. In any available registration unit of the traffic police, the motorist must register the trailer. This procedure takes 10 days from the date of customs clearance, purchase or deregistration. To register, you must provide a vehicle passport and a document confirming the legal sale and purchase.

As a result of the procedure, the driver will receive a license plate for the tow hitch and a certificate confirming the registration. After the registration is completed, the driver will be able to legally drive a vehicle with a trailer.

How much does OSAGO cost for a trailer

The cost of a compulsory insurance policy for a trailer depends on the features of the device. OSAGO for a car with a tow hitch will cost the motorist more than standard document due to the increased CPR.

If the driver's trailer does not belong to any of the specified categories, the value of the coefficient will be equal to one and will not affect the cost.

Based on the data in the table, we can conclude that the most expensive policy is bought by truck owners. Heavy trucks purchase OSAGO more expensive by 25-40%. In this case, it is impossible to reduce the cost, since reducing the coefficient to one implies a complete rejection of the trailer.

by the most advantageous offer used by legal entities that own trailers for passenger cars. The premium to the cost of OSAGO in this case will be insignificant.

You can calculate the price of a compulsory insurance policy using a special formula that involves multiplying the values ​​of the initial rate and the values ​​of the coefficients. By certain coefficients (for example, by the coefficient for accident-free driving), drivers can receive a discount. The value of the KPR coefficient remains unchanged.

OSAGO and Europrotocol

Europrotocol is a special document that participants in an accident draw up only in certain cases. The protocol form is filled out without the participation of authorized employees of the road services for the smooth receipt of compensation.

Europrotocol can be issued in the following situations:

• Only two parties (two cars) were involved in the accident;
• both motorists have an OSAGO policy;
• the amount of damage caused is up to 100 thousand rubles (in some regions of the country an amount of up to 400 thousand rubles is allowed);
• The participants in the accident do not have disagreements about the circumstances of the collision.

Drawing up a Euro protocol is allowed if a car with a trailer is a participant in the accident, since after updates in the legislation this device is no longer considered an independent vehicle. How to receive compensation payments also will not be different.

It is important to know: the trailer is not an independent vehicle only within the Russian Federation. If the driver wants to cross the border of the country with a trailer, he must insure the device for transporting goods without fail.

Does it need a technical inspection and a diagnostic card

The presence of obligations to conduct a technical inspection is determined by some features. So, individuals are required to insure the trailer only if the mass of the car and the towing device exceeds 3.5 tons.

Legal entities are required to obtain a diagnostic card for their cars under the following conditions:

• Once every 2 years - for trailers aged from 3 to 7 years;
• once a year - with the age of the device more than 7 years;
• once every six months - when transporting potentially dangerous goods in a trailer;

If a motorist has purchased a new trailer, the first three years of technical inspection is not a mandatory procedure.

How to make a payment

As with an ordinary accident, compensation funds are sent to the innocent participant. The procedure for receiving funds does not differ from the standard one. The only difference is that when processing documents, not only the data of the car, but also the trailer are indicated.

What documents do you need to carry on the road with a trailer

The presence of a trailer in use obliges the driver to carry an additional list of documents. So, the following papers are required:

• Vehicle passport and STS;
• a visual guide to the use of the tow hitch;
• when transporting potentially dangerous goods - a safety certificate, a license, an emergency map of the transported objects;
• for trucks and cars of legal entities - a diagnostic card and a compulsory insurance policy, in which there is a note on the operation of the trailer.

In the absence of any document, the driver does not have the full right to drive a car with a tow hitch.

Punishment for not having insurance

Article 12.3 of the second part of the Code of Administrative Violations regulates the sanctions for driving a car without a compulsory insurance policy. So, the traffic police inspector will issue a fine of 500 rubles.

If the offender has, a penalty receipt in the amount of 800 rubles will be applied. However, under favorable circumstances, the driver can only receive a warning.

Conclusion

After changes in the rules on OSAGO, trailers do not need to issue a separate policy. It is enough to have a note about the use of the trailer in the car insurance contract form. It is worth considering, and this obligation applies exclusively to legal entities and owners of heavy trucks. Individuals have the right to purchase insurance for light trailers on a voluntary basis.