Legality of issuing CASCO retroactively
It is established that an insurance policy is issued for one calendar year. Therefore, many drivers may not remember when the document expires. The delay may become known, for example, at the time of an accident. Nobody knows what to do if the policy has expired or does not exist at all. After all, without insurance, it is impossible to compensate for the damage and the car will have to be repaired at your own expense.
In this situation, many want
receive payments through a CASCO insurance policy retroactively. But keep in mind that few companies are willing to take such a risk. The price for such services will depend on the company’s tariffs: as a rule, it takes a certain percentage of the funds received under the policy.
Counterfeiting, purchasing, or using documents made inappropriately or with a distorted date are considered illegal actions. With the help of such documents, an encroachment occurs on the property of the violator himself, the insurer receives real financial damage, and legal norms are not observed. Even if the driver decides to buy a policy, it should be remembered that such actions are illegal and fall under the sanctions of the Criminal Code of the Russian Federation. Accordingly, retroactively issued insurance is a punishable offense.
The procedure for issuing a certificate of incapacity for work retroactively
The procedure for issuing a sick leave certificate for people who were unable to seek help from doctors in time is similar to the standard procedure for visiting a medical facility:
- First of all, you need to make an appointment with your local doctor or a paid clinic for an initial examination. The only condition is that the medical institution has the appropriate license to issue ballots;
- Providing the doctor with a certificate or other document issued by a colleague, which proves that the patient’s illness began earlier. If such a document is not available, then the citizen should present a document proving the impossibility of visiting the clinic earlier;
- Examination by a representative of the medical institution of the presented document for authenticity; if no forgery is found, the patient will be issued a hospital bulletin with the date recorded on the originally presented document;
- Sending the received document to your employer or directly to the financial department of the organization for further receipt of benefits for the period of illness.
The document is reviewed, checked for authenticity and sent to the Social Insurance Fund within the next 10 days. The required material compensation, as a rule, is transferred on the date of the next payment of wages.
In what cases is emergency insurance necessary?
Some drivers do not consider it illegal or questionable to issue a CASCO policy retroactively after an accident or theft. At such moments, they do not think about how it might end; their main goal is to receive compensation. It doesn’t matter how the policy was issued. A document drawn up with the wrong date is regarded as an offense.
After an accident
As a rule, the need to apply for CASCO retroactively arises after an accident occurs on the road, when the driver is ready to go to any lengths in order not to pay for vehicle repairs.
The search begins for unscrupulous insurance companies who are ready to falsify papers. But illegal actions are most often discovered, which leads to the perpetrators being held accountable. In order not to get involved in such illegal combinations, it is better for the driver to take care in advance about where to buy a real CASCO policy. Little-known companies with an expired or no license at all offer to take out insurance retroactively after an accident.
Attention! All actions of scammers will be exposed sooner or later. Any company involved in auto insurance and responsible for its reputation will never work at a loss by counterfeiting CASCO policies.
After the theft
Another situation in which drivers want to obtain illegal compensation is theft of a vehicle. They want to “kill two birds with one stone” - issue a policy retroactively and cover expenses using the due payments. Various methods can be used for this, including insurance via the Internet. Such services are offered by not very large companies that seek to expand their client base by simplifying the procedure for obtaining a policy.
There are cases when the theft is faked. Fraudulent combinations can be committed by a group of people, including the owner of the vehicle, an employee of an insurance company, and even a teaching staff employee.
Is it possible to register an employee retroactively?
I (as an individual) own a built-in and attached premises on 10 floors. I lived in a house (area 560 m2, built-in part 360 m2, attached part 200 m2). I have a separate entrance from the residents of the house from the attached part, on the back side of the entrances of the residential building. Moreover, the built-in part is located at the level of the basements of the house, and my basement without any communications is under my built-in part. I don’t have any exits to the courtyard of my house. I do not use in any way and the house plan does not provide for me to use the entrances or elevators. The elevator isn't even on the same level as me. It is higher than the level of my built-in part, and the basement and extension are 2 levels higher and you can get into it through the entrance (on the back side) through the intercom. There are no lighting fixtures on my side of the house. I have an agreement with a network org. to pay for email energy, and also signed an act on the boundaries of responsibility for electricity. power cable laid from the Substation to the switchboard of the house and further to my switchboard, a letter to El.Neti that I service the internal. Electric lines circuits, installations in my premises on my own. A heating contract is drawn up for the supply of heat and payment for it. The heating unit is located in the residents' basement, 2 meters from the wall separating the residents' basement from the built-in part of my room. There is also an agreement with Vodokanal. We dismantled the old pipes and laid new ones, which heat only my room (its own cycle, its own circle), we monitor them. We are in no way connected and do not depend on the heating cycle of residents’ apartments, entrances, and they also do not depend on us. Garbage removal. Everyone has trash, but if it’s an office, they come to work in the morning. Tea, coffee during the day, lunch - go to the dining room, home in the evening. In September and October 2007, I received a claim from the Center-House Manager and this amount is 7.2% of my area of the total area of the house. At the trial Ex. The company presented a tariff schedule for collecting funds for maintenance from residents of the house. They counted me on it! This is: For service email. networks, lighting (entrances, courtyard) - 1.23 rubles per meter; Elevator - 1.20 rubles per meter: Garbage removal - 0.63 rubles per meter = 3.03 rubles per meter and Other (salary for employees and RCC service) -3.39 Total = 6.39 (approximately). The judge appeared to want to understand this non-standard situation, but as a result she decided to satisfy the claim (verbally citing the lack of regulations on this issue). The RCC service is about 20% of the total amount when the bank takes 1% of the transfer to the account. I suggested that the amount of costs for maintaining the house be proven (due to the fact that this is a previous period) and the amount of 62,000 rubles was the 7.2% referred to by Ex. Comp. This was not done and I don’t think it could have happened! 1. Please look into my situation and determine what I should pay for and at what rate? 2. On what basis Ex. Does the company issue me an invoice retroactively without any contractual relationship (without proving that the amount was spent by them)? 3. How can the attached part of the room affect the change in the coefficient? 4. Is it legal for the judge to decide without evidence that the amount claimed was spent? 5. What right do I have in the future to demand evidence of possible current and planned work (at my expense, including my funds)? 6.How and is it possible to assign it to direct management and what needs to be done for this? 7. A counterclaim (On my demand to prove this amount as spent with all interest and my part in it) will be a document on the suspension of an already made decision and is it needed in this situation and if the amount is not proven, what could be the risk of this Ex. Companies? 8. Can a letter from Ex. Center-Dom") is the same legal entity. person, since the authorized person who signed the protocol on their part worked for them!? 9 What should I do?
Fraudulent schemes
According to the insurance companies themselves, the most common fraud scheme is precisely the falsification of the document's expiration date. Drivers seek to retroactively issue a CASCO policy for those vehicles that were damaged as a result of a traffic accident. Unscrupulous employees of the insurance company take this illegal step and get maximum profit for a minimum of effort.
This type of scam looks like this:
- there is a vehicle damaged as a result of an accident that needs to be insured retroactively;
- an insurance agent in cahoots goes to the site to inspect the car and record the VIN number and mileage;
- The VIN number is transferred to a similar, undamaged vehicle;
- the insurance employee carries out the policy with the help of bribed specialists from the insurance company's security service;
- an accident is initiated and the incident is reported to the insurance company.
It is important to know! Fraudulent actions include cases where there is a deliberate concealment of significant information regarding the car. It is not surprising that insurers protect and cover up scammers. After all, they also receive considerable profit from what they do.
How to detect a fake
Fraudulent actions can be of various types, but sooner or later they become public. This can be done thanks to the security service of the insurance company, whose responsibilities include checking all cases where payments are due.
The security staff includes former law enforcement officers whose main task is to combat fraudsters. Even if you manage to insure the car retroactively, the fraud will quickly be revealed and all violators will be held accountable.
Is it possible to make a certificate retroactively?
Depending on which institution you need to present a certificate of illness to, the document is drawn up:
- in the form of a doctor’s report in free form;
- in the form of a certificate of temporary disability in form 095/U.
In hindsight, the easiest way is to make a free-form certificate. This document confirms the fact that the student or employee was seen by a doctor on a certain day and was given recommendations for restoring his health.
The document has no special requirements for execution and is the basis for exemption from work/study duties for up to 3 days.
Such a document also provides compensation from the social insurance fund, which is why it is so strictly controlled by both medical institutions and the employer.
It is very difficult to officially obtain such a document without the risk of getting into trouble. But there are other ways to obtain a certificate of illness retroactively, which are discussed below.
Responsibility for breaking the law
If the owner of a vehicle has a question about whether it is possible to file a case of theft or accident retroactively, then the first thing he should think about is how legal it is. The concept of fraud is explained by the Coal Code of the Russian Federation in Article 159. The same norm affects cases of prosecution for illegal acts in the insurance industry. Sanctions are a fine or imprisonment. In addition to this provision of the Criminal Code of the Russian Federation, Article 327 may be applied to criminals, which provides for punishment for the production and use of counterfeit documents, which include insurance policies.
Any of the preventive measures is applied on the basis of a judicial act issued after checking the facts of the case and a preliminary investigation. The severity of the crime committed and the availability of collected evidence will be taken into account.
Thus, if a car owner decides to purchase an insurance policy retroactively, in any case it will be considered fraud, which means that before taking risks, you should think about what is more expensive - obtaining an illegal document or avoiding criminal prosecution.
The need for a sickness certificate
A sickness certificate is required when an employee or student at a university is feeling unwell and is unable to continue their activities. It is necessary to improve your health at home and recover from all ailments.
If you need to miss work or school due to illness, management must provide a certificate stating that you were sick. This document confirms the presence of health problems. If the patient does not go to a medical institution, he will not have a certificate. This means that you will have to work off absenteeism or face the displeasure of your superiors.
To avoid unpleasant consequences at work or school due to absence due to health, absences can be legally closed with the help of a sickness certificate.
A certificate of temporary disability will be proof that the employee/student does not need to be punished for absences. A retrospective certificate is provided if on the days when you did not feel well, it was not possible to go to the doctor.
You need to make a retroactive certificate of illness to:
- you were not fired from your job;
- avoid disciplinary penalties;
- do not listen to the dissatisfaction of the company management;
- justify your absences from school;
- cheat and have time to prepare for exams, writing a diploma or term paper;
- extend your vacation time.
But can a doctor give a certificate retroactively if the patient did not apply in a timely manner? Read more about this later in the article.
