What documents are needed for Green Card insurance?

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This insurance applies only to states that are members of this international system.

Accordingly, it is impossible to receive payments under such insurance in the event of a traffic accident on the territory of a state that is not a member of this system.

How can one obtain such insurance, and what documents are needed to obtain a Green Card?

Why do you need a Green Card?

According to the principle of operation, the Green Card is no different from domestic OSAGO insurance, and therefore in the automotive community this cover is considered its international analogue. But such a policy is not quoted on the territory of the Russian Federation, and the only reason for issuing it can only be traveling outside the country.

But on the roads of a foreign country

A green card can provide a Russian driver with complete financial security in the event of an accident. Moreover, the form is valid even in the absence of violations on the part of the client, which is not provided for by the Russian CASCO insurance. The payment of damage itself is made in full, regardless of who is at fault for the incident.

Kinds

Like any insurance, the green card is divided into several types. There are four main types of GreenCard that a person can buy in Russia:

• Map for European countries;
• Policy for member states of the customs union;
• Insurance certificate for traveling to America (required even when crossing the border by public transport);
• Individual Green Card, listed in individual territorial divisions (Moldova, Ukraine and Belarus).

Based on the duration period, each of the listed types of document can be divided into five more subgroups:

• Fifteen day form;
• Monthly (valid for 30 days);
• Ten-day (90 days);
• Semi-annual (6 months);
• Year-round (12 months).

In this case, registration of the Green Card must be carried out long before the trip itself (at least a month in advance). Otherwise, there is a possibility that the legal force of the insurance policy will disappear on the territory of a foreign state, and then the driver will not be able to return to his homeland without paying a hefty fine.

Possibilities

The main task of GreenCard is to resolve traffic conflicts that arise with the participation of a foreign car. But unlike domestic CASCO, the regulations of an international insurance company do not force the client to personally contact their nearest branch (including the embassy) to fill out a lot of unnecessary paperwork. This procedure is much simpler:

• In the event that the fault lies with the driver: the Green Card is presented to the inspector or the injured person, who independently contacts the insurers and receives payment from them based on the evidence presented (a check for the restoration of the vehicle and a report from the local police about the incident);
• If the at-fault party is the owner of a foreign car: the injured motorist must contact representatives of the GreenCard community and provide them with information about the accident. Agents, in turn, undertake to compensate for material damage by transferring funds to his card or to the nearest branch at the embassy.

It is important to know! It is worth noting that the Green Card fully covers the costs of vehicle repairs and treatment (if required), regardless of who is at fault for the accident. But for MTPL users, such privileges are provided only as a paid add-on.

Benefits of a US Green Card

• Legal permanent residence in the United States
• The right to official employment without additional permits
• Free movement throughout America
• Use of high quality medical services
• The right to purchase real estate and cars at preferential prices
• Opportunity to obtain US citizenship after 5 years of residence in the country
• Getting an education at any US educational institution
• Registering and running your own business in American territory
• Eligibility for service in certain branches of the American armed forces
• Possibility of receiving social benefits and benefits

Conditions for obtaining a policy

Before filling out the form for issuing a green card according to the sample, a person must familiarize himself with the requirements of the international insurance community indicated on the back of the form. There are six in total:

1. A car crossing the border of the Russian Federation must be registered with the MREO;
2. The established period of validity of the document cannot extend beyond 15 to 365 days;
3. The citizen must present to the insurance company employees a visa, migration certificate or any other document confirming the legality of his passage through the checkpoint;
4. Before registering a GreenCard, the driver is required to submit a full package of required papers and certificates for verification, as well as pay for the company’s services in advance;
5. The car in which a person will cross the border must undergo a full inspection in advance (during this procedure, the car’s license plates and its VIN code are additionally checked with data from the vehicle title).
6. Only one managing person is included in the international insurance policy.

In addition, separate conditions in the agreement for the issuance of a Green Card are provided for the compensation of damage itself. You can find them in the list below:

• Damage caused to the health or property of another citizen cannot be intentional;
• At the time of the accident, the person whose name was indicated on the registration form must be driving;
• During the accident, it was the car that was included in the Green Card application that was damaged;
• The incident happened on the territory of the state where the client originally planned his trip (this country is indicated in the Green Card policy);
• The insurance document has not lost its legal force due to the expiration of the validity period.

This list of conditions is considered uniform and is observed regardless of which company will issue the Green Card (“Alfastrakhovanie”, “XXI Century”, “ERGO”, etc.).

Wow?

The Green Card will provide financial protection only to a third party - a person or group of people who were injured in an accident by the actions of the driver of the insured car. The owner of such a policy who becomes a victim of an accident will not receive payments. In order for him to be compensated for the damage, he needs to apply for CASCO insurance with an extension to the country where he is planning to travel.

You can only get clear comments about how much it will cost by visiting the insurance company in person. A driver who already has CASCO insurance can apply for CASCO with an extension only from his own insurer. Otherwise, you will have to terminate and renegotiate again. Sometimes, they say, it’s even more profitable. Experienced motorists, going to Europe, enter into a CASCO insurance contract with the insurer in installments, pay the first installment, return from the trip and terminate the agreement.

Insurers provide car owners with a CASCO policy worth RUB 100,000 or more per year for free. Everyone else will have to pay an average of 5,000 RUB for the service for 15 days for “theft plus damage” or from 750 RUB per day only for “damage”.

In the event of an accident on the territory of another country (no matter whose fault it is and what policies the tourist has), you should:

• take a photograph of the scene of the accident and the insurance policy of another participant in the accident
• hand over to the “comrade in misfortune” a tear-off copy of your “Green Card” or provide its number
• obtain from the police a document confirming the fact of the accident (if the government agencies of this country issue it)
• report the accident to the Green Card system bureau of the country where the accident occurred and to your insurance company (phone numbers are indicated on the back of the card)
• keep receipts for expenses incurred due to the accident

We hope that the advice from the last paragraph will never be useful to you. Have easy roads and safe travels!

Insurance terms

In accordance with the regulations of international insurance companies, the car owner must independently choose the validity period of his policy. The period he established is based on two criteria:

• Time spent abroad (the longer you plan to stay abroad, the more expensive the Green Card will be);
• Maximum duration of the Green Card (by law, this form can be used for no less than 15 and no more than 365 days. If one year is not enough for the client, then he has every right to submit an application to the embassy to extend the insurance).

Attention! It is worth noting that the renewal of the Green Cover due to the end of its validity period is carried out for a separate payment, but without presenting the necessary package of certificates and papers. But if the card is lost, the procedure is exactly the opposite (the process of issuing a certificate is free, but to submit an application, the citizen is required to collect a list of required documents).

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Registration procedure

Having learned what is needed to obtain a Green Card, the driver can safely proceed to obtaining it directly. To do this, he just needs to go through 6 simple steps:

1. Decide on the choice of a company specializing in international insurance (only those organizations that have permission from the Russian bureau can issue Green Cards. Other offices do not have the right to carry out such activities);
2. Prepare all necessary papers;
3. Develop a list of conditions to be included in the application form (this includes: the day, month and year of the start of the Green Card validity, as well as the individual period of its legal validity);
4. Submit a written or electronic application for the issuance of a Green Card;
5. Pay the invoice issued by the agents of the insurance company (the uniform tariff and required documents for the Green Card are prescribed in international regulations, and therefore they are the same for all categories of citizens);
6. Receive a ready-made document (to cross the border, the client can only use the original policy. Copies of it are not accepted at the checkpoint).

On average, the driver spends no more than 1-2 days on the six listed stages, provided that his vehicle and government papers are in order. But to be completely sure, it is better to fill out an application for a Green Card a month before your planned entry into the territory of a foreign state.

Required documents

In addition to the application, to issue a Green Card, agents usually require a whole list of related documents from the client. It includes:

• Internal passport of the Russian Federation (can be replaced with any other identity card that contains the personal data of the motorist and his photo);
• PTS of a car prepared for customs control;
• A printout from the traffic police about the timely registration of the vehicle;
• A certificate from the service station or Rosgosstrakh, indicating the satisfactory technical condition of the citizen’s movable property;
• Foreign passport (required in individual cases).

But knowing what documents are needed for a Green Card is not enough. It is also important to make sure that all the listed crusts are valid and have no restrictions. Otherwise, the company reserves the right to refuse a person international insurance.

Acquiring US Citizenship through Naturalization

5 years after receiving a green card, you can apply for American citizenship. If the basis for obtaining it was an official marriage, then you can start the process after 3 years.

Acquiring a new status occurs through the process of naturalization

Automatic naturalization occurs only for children of citizens under 16 years of age. Adult applicants will have to collect a package of documents and go through a number of mandatory procedures.

Stages of naturalization

• The Green Card holder fills out the N-400 form and attaches an identification document.
• The application with a package of documents is sent to the local immigration office.
• The interview takes place in English.
• Taking an exam to test your knowledge of American history.
• The oath of allegiance is taken.

If the laws of your home country allow, you can maintain dual citizenship. But it is better to abandon this idea. Americans are suspicious of migrants who want to keep two passports.

Who will not receive citizenship

• Criminal offenses, and authorities treat drug law violators especially harshly.
• Serious crimes that show a lack of morality have no statute of limitations.
• Fraud when obtaining a green card.
• Non-payment of taxes.
• Evasion in some cases from military service.

Communists who were members of the relevant parties may be denied citizenship. A minimum of 10 years must pass from leaving the party to filing an application.

Accredited insurance companies

Only those structures that have permission from the Russian Bureau of Insurers issue Green Cards. In total, there are about eight such companies in the Russian Federation:

• "XXI Century";
• "VSK";
• Ingosstrakh;
• "ERGO";
• "Agreement";
• "Alpha Insurance";
• "Rosgosstrakh";
• "RESO-Garantiya"

The listed companies differ from each other only in location and work schedule. But their tariffs and list of services provided are completely identical. Therefore, clients will not have to decide on the choice of institution where they can issue a Green Card.

Green card cost

After we have learned about the minimum package of documents required to obtain a Green Card and the places where it is issued, we can safely move on to the next, no less important issue: the cost of an international policy. It is calculated based on three main criteria:

• Category of self-propelled vehicles;
• Established validity period of the crust;
• The state in which the trip is planned (insurance for Europe, the countries of the Customs Union and individual territorial divisions will cost drivers completely different prices).

However, only the first two points have a single tariff. The last indicator must be calculated individually for each type of Green Card.

Current tariffs

When calculating the cost of a Green Card after preparing the documents, a car enthusiast can rely on the following table:

It contains all current tariffs for certain categories of vehicles as of 2021. Taking into account the additional payment for a specific type of Green Card (for the EU, America, etc.), this amount will increase by 5-10%.

Is it possible to buy online

Since the citizen is required to obtain the original international insurance policy and personally fill out the Green Card, it is not possible to carry out this procedure online. However, several of its individual stages can still be carried out remotely. Namely:

• Submit an electronic application in advance with a request to issue a Green Card on the website of the selected company (when filling out the online application, the driver will be required to provide the following information: passport details, detailed information about the insurance agency, your contact number and actual residential address);
• Send a complete list of documents for verification (all attached documents must be in publicly accessible formats JPEG, JPG, etc.);
• Pay for the company's services (using online banking or through the Sberbank cash desk).

Attention! But it is worth remembering that only accredited institutions are engaged in issuing international policies. Therefore, there is no need to try to carry out this procedure through the MFC or the State Services website.

What to watch out for and how to avoid problems

The US State Department annually warns lottery participants about fraudulent letters that are sent to email addresses. They often require you to pay for the green card application.

It is important to know that a letter may only come from the US government with a reminder to check your status. Consular fees are paid exclusively at the cash desk of the diplomatic mission.

In addition, many agencies and visa consultants offer intermediary services, such as assistance with completing an application, for a fee. In this case, you must be present at registration and immediately take the confirmation number.

Risks to be aware of:

• scammers, talking about the difficulties of filling out a questionnaire, are trying to make money from you;
• there is no guarantee that the data will be entered correctly, and providing false information will lead to your disqualification as a DV participant;
• intermediaries cannot influence the winning result in any way; the winners are chosen by a computer;
• there is a danger that an outsider will mistakenly send an application with your information next year at the same time as you, which leads to a violation of the rules and, again, disqualification of the application.

To avoid being deceived, you must adhere to the following rules:

• study the instructions for filling out the application;
• provide truthful information;
• fill out the form yourself;
• use personal email;
• be sure to save your confirmation number;
• one applicant can submit only one application;
• the photograph must be no older than 6 months;
• If you win, you cannot add people who are not members of your family to your visa application.

Reasons for refusal of registration

According to the law, any citizen of the Russian Federation who has reached the appropriate age can apply for a green card from Alfastrakhovanie, Soglasiya, ERGO and other companies. But the agency also has the right to refuse such a service to the client due to one of the following reasons:

• Poor health (if a person has severe mental disorders or is suffering from a viral infection, then he will not be able to get a GreenCard to America and the EU);
• Being wanted;
• The car is not registered in the unified database of the Russian Federation or its technical condition is far from normal;
• The tourist does not have a visa or any other document confirming the legality of his border crossing;
• The Green Card is entered into by an outsider who will not drive a vehicle on the territory of a foreign state.

In most cases, after eliminating the causes of the initial failure, the procedure can be repeated as soon as possible. But if the insurance company’s regulations are maliciously ignored, agents will be forced to refuse to issue a citizen a Green Card for a lifetime.

Consultation up to 30 minutes remotely

100usd

* all prices are indicated from and depend on the individual situation of the client

Responsibility for absence

According to the customs code, a person cannot cross the border in a personal car without a Green Card. But in practice, it very often happens that an international policy loses its legal force directly on foreign territory. The reasons for this phenomenon are usually the expiration of the document's validity period or its loss.

In accordance with the Code of Administrative Offences, for driving on public roads without insurance, the driver is entitled to a financial penalty in the amount of 150 to 300 dollars (depending on the state where the violation was committed). Moreover, the same responsibility for a similar offense is provided for by Russian legislation. But the fine in the Russian Federation will be a little cheaper for a motorist than a foreign one - from 1,500 to 5,500 rubles.

It will be worse if a Russian citizen becomes the culprit of an accident involving a foreign car. After all, then he will have to pay for the damage caused from his own pocket. And until he fully repays the debt to the injured party, he will not be able to cross the border in the opposite direction.

We found out the current cost of the Green Card in 2021. Finally, it is worth adding that an international policy is, first of all, the safety of the tourist himself. After all, without it, in the event of an accident, he risks losing a lot of money. Well, being financially protected, a person will not create unnecessary problems for himself on the territory of a foreign state, and at the end of his trip he will be able to safely return home.