$headers = array(
"Content-type: text/xml;charset=\"utf-8\"",
"Accept: text/xml",
"Cache-Control: no-cache",
"Pragma: no-cache",
"SOAPAction:http://tempuri.org/webservice_method_name",
"Content-length: ".strlen($xml),
);
$url = "https://ufot.rgs.ru/Osago2Service.svc?singlewsdl";
$ch = curl_init();
curl_setopt($ch, CURLOPT_SSL_VERIFYPEER, 0);
curl_setopt($ch, CURLOPT_URL, $url);
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_TIMEOUT, 10);
curl_setopt($ch, CURLOPT_POST, true);
curl_setopt($ch, CURLOPT_POSTFIELDS, $xml);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
curl_setopt($ch, CURLOPT_USERPWD, "test:test");
$response = curl_exec($ch);
curl_close($ch);
print_r($response);