At the moment, in a number of Russian regions, motorists are faced with an overestimation of the cost of compulsory motor third party liability every day. In this regard, the ability to perform a calculation using an independent calculator of the cost of compulsory motor third party liability insurance is becoming increasingly important. This approach allows you to check the correctness of the calculations of the insurers.

Car owners who decide to double-check on their own should remember that a mistake when choosing a settlement will significantly distort the result of the calculation, so you should be extremely careful when filling out the form online calculator the cost of OSAGO.

Should we expect an increase in the territorial coefficient?

Not so long ago, the Central Bank of Russia announced a possible change in the territorial coefficient in a number of regions and large cities. In accordance with the plans of the specialists of the main financial institution of the country, the values ​​of Kt should have changed by 0.1-0.8 basis points. In total, changes in the cost of the OSAGO policy were to affect 31 Russian regions, including the coefficient planned to increase in Arkhangelsk, Kazan, Ulyanovsk, Saransk, Blagoveshchensk, Volgograd, Murmansk and Chelyabinsk. At the same time, the increase in cost was not planned in cities such as Moscow, Yekaterinburg, St. Petersburg, Ufa, Samara and Saratov.

Why did the Central Bank decide to increase the cost of OSAGO for some regions and leave it unchanged for others? The answer to this question lies in the annual reports of the Russian Union of Auto Insurers (RSA), according to which in some Russian regions over the past few years there has been a sharp increase in payments for this type of insurance. At the same time, in some settlements, this indicator has reached a critical level. That is why many insurers simply refuse to write out an insurance policy to clients, citing the lack of forms, or insist on obtaining additional insurance.

In a word, the issue of increasing the cost of OSAGO insurance has been brewing for a long time, but today experts Of the Central Bank were forced to temporarily suspend work on changing the territorial coefficients. The fact is that this summer, the State Duma adopted the amendments to the law on "car insurance" expected by many motorists, which have been discussed since 2012. The main innovation was the expansion of the limits of liability of insurers. For these purposes, it was even necessary to adopt a separate federal law dedicated exclusively to OSAGO, therefore, given the scale and number of changes, this topic deserves a separate article.

However, it should be noted that these amendments and urgent requests from leading insurers forced the Central Bank specialists to address the issue of increasing base rates. insurance rate... Therefore, most likely, in the near future the territorial coefficients will remain unchanged, because the question of the cost of compulsory motor third party liability insurance has long ceased to be purely economic. Price increase compulsory insurance on a car cannot but affect the costs of motorists, which means it affects the social sphere. It follows from this that a simultaneous increase in the base rates and the territorial coefficient will definitely not occur, at least in the calculator of the cost of compulsory motor third party liability insurance for 2014.

True, a temporary halt in work on increasing Kt does not mean that the Central Bank refuses to increase this coefficient at all in the above regions.

It is quite possible that after some time has elapsed after the adoption of the updated base rates, the question of increasing Kt will again arise. Returning to the issue of increasing base rates, it is worth noting that, according to representatives of the Central Bank, the maximum increase in the cost of compulsory motor third party liability insurance will be no more than 30%. One way or another, it can be argued with a high degree of probability that Russian car owners should still expect an increase in Kt, albeit in the distant future.

How much does OSAGO cost in different regions?

In accordance with the current tariff guidance, CT for a specific region or settlement is determined using a special table, which is freely available. It is this table that guides Rosgosstrakh, Ingosstrakh, Renaissance, UralSib, AlfaStrakhovanie and other licensed insurers when determining the cost of OSAGO. You can get acquainted with the list of territorial coefficients for all Russian regions by visiting the PCA website. There is also a table for the largest cities and individual regions, which, among other things, indicates the coefficients that the Central Bank planned to introduce. So, today, when calculating the cost of OSAGO in key cities and regions of Russia, the following Kt values ​​are used.

Table 1. CT in the largest cities and regions of the Russian Federation.

It can be seen from the above table that if the values ​​of Kt are adopted, which were developed by the employees of the Central Bank, individual cities will face a significant increase in the average cost of compulsory motor third party liability insurance. For example, an increase in the territorial coefficient in Murmansk will lead to an increase in the price of compulsory car insurance by about 2,000 rubles, and the average cost of compulsory motor third party liability insurance for a year for Murmansk motorists will be 5,900 rubles, that is, more than in any other Russian city. And for novice drivers or owners of unlimited insurance, the policy will cost an order of magnitude more. Moreover, the given values ​​are calculated on the basis of the basic tariff for compulsory motor third party liability insurance in force in 2014. If this indicator grows, the average prices for "car insurance" will proportionally increase.

Many car owners may notice that in this case the price of "car insurance" will be almost equal to the cost of comprehensive insurance. However, here it will be appropriate to recall a number of restrictions provided by the law, including the maximum cost of the "car insurance" policy. This value cannot exceed three times the base rate multiplied by CT. Therefore, for the same Murmansk insurance premium(taking into account the projected CT) for passenger cars belonging to individuals cannot exceed 10,098 rubles.

Calculating this value is quite simple:

1980 * 1.7 * 3 = 10 098 rubles (where 1.7 is the territory coefficient).

It should be noted that this rule applies only to insurance contracts concluded for a year, and is not applicable when registering transit insurance, which is valid for no more than 20 days.

How is CT calculated and what does it depend on?

The value of the territorial coefficient used in calculating the cost of OSAGO depends on several factors at once. Among them are the statistics of unprofitableness, prices for spare parts, as well as the cost of standard hours of repair work. These indicators may differ not only in individual regions, but also in cities located in the same subject of the Russian Federation. For example, in 2014, the average cost of OSAGO in Samara is 375 rubles higher than the price of a policy in Togliatti. Moreover, these cities are not only located in the same region, but are also located just 89 kilometers from each other. Nevertheless, according to statistics, there are much more expensive foreign-made cars in Samara. Consequently, the average payout turns out to be higher. That is why a larger Kt is included in the calculation of the cost of compulsory motor third party liability insurance for residents of Samara than for residents of Togliatti.

You can also use as an example two large cities located in different regions, for example, Kazan and St. Petersburg. If we calculate the cost of OSAGO for 2014 for these cities, it turns out that Kt in Kazan exceeds the coefficient for St. Petersburg by 0.2 basis points. At the same time, the average price of "car insurance" in these cities differs by 250 rubles. In this case, in addition to accident statistics, the geographical location of cities plays a role. The fact is that the delivery of spare parts for imported cars to St. Petersburg costs almost half as much as to Kazan. Accordingly, Kazan motorists pay much more for spare parts from St. Petersburg residents, which in turn affects the average payment in the region.

However, in most Russian regions, the formation of CT is primarily influenced by the accident rate statistics. In addition, over the past few years, in some regions, the practice of obtaining insurance compensation through the courts has become widespread.

As a rule, in the overwhelming majority of such cases, the car owner wins the lawsuit, and the insurance company, in addition to paying for the damaged property, is forced to pay legal costs, fines and penalties, which often reach tens of thousands of rubles. In the future, such expenses are classified as losses under OSAGO, which increases the average payment in the region.

Annual statistics of payments for each constituent entity of the Russian Federation can be found in the open reports of the PCA posted on the website of this organization. In addition, you can visit the website of the Central Bank, where summary reports on insurance market, allowing you to assess the loss ratio in a particular region.

How to legally reduce the cost of OSAGO?

The aforementioned increase in base rates will inevitably lead to an increase in the cost of compulsory car insurance in all Russian regions. It is possible that in 2014 the cost of compulsory motor third party liability insurance will increase by 25-30%. In this regard, a completely logical question arises, what can be done to reduce the insurance premium? It is worth mentioning that the legislation provides for only one way to reduce the price of the OSAGO policy, namely, a discount for the trouble-free operation of the car. In addition, the car owner can ask the insurer to calculate the cost of OSAGO for one month, three months, six months or any other period provided by the tariff guide, which will allow you to get a kind of payment by installments. However, in addition to this, there are other completely legal ways to reduce the cost of insurance. One of them will be discussed.

Considering that the difference between the cost of OSAGO in different settlements can be several thousand rubles, sometimes the car owner is tempted to rewrite his car to a relative or friend living in a city with a lower coefficient of territorial use.

In such a simple way, you can reduce the cost of "car insurance" by several tens of percent, and sometimes by half. For example, a resident of Moscow can register a car for his relative in Kaluga and buy OSAGO with a coefficient of 1.2 instead of 2.0, and it will be more profitable for a driver from Ulyanovsk to insure a car in Togliatti. According to the calculated data given in Table 1, the difference between the average cost of OSAGO in Ulyanovsk and Togliatti exceeds 1,500 rubles. If you calculate, this method allows you to save:

1980 * 2-1980 * 1.2 = 1584 (rubles) *

*Considering that all other coefficients are equal to one.

How can such a trick turn out?

The benefits are obvious, but we must not forget about possible problems. There is one feature that should be taken into account when calculating the cost of OSAGO in this way. So, upon the occurrence of an insured event, the insurer determines the amount of compensation, taking into account:

• Average prices for spare parts in the region where the car is registered;
• Average cost per standard hour for workshop workers in the same region.

What does all this mean for the insured who has decided to reduce the cost of compulsory motor third party liability insurance for 2014? It is quite logical that the amount of compensation in the event of an insured event will be lower than the expectations of the conditional Muscovite from our example. Accordingly, the amount received is clearly not enough to pay for repairs at one of the metropolitan service stations. Someone might say that Insurance companies and so they often pay much less than they should, therefore, everything said above is not an argument against saving on compulsory motor third party liability insurance with the help of CT. Nevertheless, in this regard, it is worth noting an important nuance.

Yes, insurance companies often pay less than they should. However, it is one thing when the amount of compensation is understated in relation to Moscow prices, and quite another when it comes to Kaluga prices. Let's look at a specific example:

• In the event of an accident, the amount of compensation due to the Moscow car owner is 50,000 rubles.
• At the same time, in Kaluga, the expert appraiser will count only 42,000 for similar damage. The difference in as much as 8,000 arises even in the example when the car received not too serious damage.

This amount will overnight "block" the savings on compulsory motor third party liability insurance for five years ahead, and what will happen if the accident, God forbid, turns out to be more serious? Even if in both cases the SK will pay only 50% of the due compensation, the difference will be 4,000 rubles. At the same time, judging by user reviews, many insurers pretty much do not pay extra in remote regions and small towns.

Of course, the numbers given in this paragraph are conditional. However, the difference of 10-20% between prices for metropolitan and regional service stations is by no means uncommon. There are other difficulties that may arise when saving on compulsory motor third party liability insurance with the help of CT, namely:

1. First, submit statement of claim can be at the place of registration of the defendant (insurance company), or at the place of residence of the plaintiff (car owner). It should be noted that often going to court is the only way to recover compensation from the insurer for the loss of the market value of the car, therefore, almost all owners of new cars are forced to initiate legal proceedings. Most lawyers specializing in auto insurance do not recommend applying at the place of registration of the IC for a number of reasons (which can be written in a whole separate article). Accordingly, a resident of Moscow will sue the SK at the place of residence of the owner of the car. Accordingly, in our example, the vehicle is registered to a resident of Kaluga, therefore, it will be necessary to file a claim in this city. It is good if a friend or relative agrees to independently look for a qualified lawyer in their city and conclude an agreement with him, but it also happens quite differently.
2. Another problem arises from the one already mentioned: the amount of compensation for compulsory motor third party liability insurance in the regions is usually lower than in Moscow or other cities with a high CT coefficient. This circumstance will directly affect the course of the proceedings if the car owner decides to seek the truth in court. In case of a positive decision on the claim, the insurer will be obliged to compensate for the damage based on the Kaluga prices for spare parts and the standard hours of the workshop workers. Accordingly, the amount received is often lower than in the capital.

Considering all of the above, we can only say one thing - each car owner must independently decide whether it is worth saving on "car insurance" due to the trick with the territorial coefficient or not. It is important to remember that when insured event this approach can be problematic.

Summing up

Today, "auto civil liability" is undergoing unprecedented changes, which are designed to increase the amount of liability of insurance companies and simplify the procedure for obtaining compensation. At the same time, it is possible that the cost of the OSAGO policy will increase already in 2014, which will undoubtedly affect the wallets of all Russian motorists. Given the upcoming changes, it remains to be hoped that if the cost of OSAGO increases in 2014, Rosgosstrakh, RESO, Ingosstrakh, Soglasie and other major players will be able to increase the revenue side while keeping costs at the same level. This will undoubtedly have a positive effect on this market.

New changes in OSAGO entered into force with October 1, 2014... Changes in OSAGO apply only to those who buy OSAGO insurance from October 1, 2014, and do not apply to old insurance. Let's analyze the most important changes in OSAGO.

Hello dear blog readers.

The main changes in OSAGO are as follows:

• increase in the limit of sums insured,
• duties and responsibilities of insurers,
• terms of payment,
• penalties,
• the procedure for changing and applying insurance rates,
• the order of circulation and the amount of payments under the European protocol,
• the procedure for applying for payment,
• responsibilities of road accident participants, rights,
• the possibility of repairs under OSAGO and the procedure for its implementation,
• determination of wear,
• payments in case of mutual fault,
• the procedure for determining the amount of damage,
• the procedure for determining the amount of harm to health,
• the order of payments on the occasion of the death of the victim.

A complete list of changes in OSAGO 2014-2015. you can see .

For those who have entered into an OSAGO insurance contract since October 1, 2014, the limit of the amount insured for OSAGO for damage to property will now be up to 400,000 rubles for each vehicle damaged in an accident. If your OSAGO contract was concluded earlier than October 1, 2014, then you will be paid according to the old limit (120,000-160,000 rubles).

This is great news for vehicle owners. Since during the existence of OSAGO, prices for spare parts, repairs, and for the cars themselves have grown significantly. Also on the basis of the Decree of the Government of the Russian Federation of 07.10.2014 N 1017 "On the approval of the rules for establishing the amount of costs for materials and spare parts when refurbishment vehicles "and" On Amendments to the Rules for Establishing the Size of Expenses for Materials and Spare Parts in the Reconditioning of Vehicles "there have been changes in OSAGO in the system for calculating the limit value of wear of parts. Previously, it was 80%, and now it is reduced to 50%. This means that now the participant in the accident will be able to receive 50% of the cost of the damaged part. Previously, the owner of a car over 5 years old could only count on 20% of the cost of the damaged part.

The terms for payment of compensation have been reduced from 30 days to 20 days, however, with the following reservations: the insurance company pays compensation within 20 days if the participant in the accident first shows his damaged car and provides all the documents to his insurer and after that applies to an independent examination ... Otherwise, the insurance company may refuse to pay. For a delay in payment of more than 20 days, the insurer will be fined with a forfeit.

Also, for the refusal of the insurer to sell the CTP policy will now be fined. For four regions - Moscow, the Moscow region, St. Petersburg, the Leningrad region - from October 1, 2014, as an experiment, the payment limit for Europrotocol up to 400,000 rubles. In all other regions of Russia, under a simplified scheme (Europrotocol), insurers will pay only 50,000 rubles.

Now about the sad things. Since the increase in the sums insured for compensation for damage to property has grown to 400,000 rubles, this money needs to be taken somewhere, from someone. And therefore, starting from October 11, 2014, the basic tariffs for compulsory motor third party liability insurance will increase and a tariff corridor will be created. Following change in the basic tariffs for compulsory motor third party liability insurance will happen April 1, 2015 ... Regular changes in OSAGO tariffs can be carried out no earlier than a year after the approval of the previous ones.

The base tariff for OSAGO on the basis of the decree of the Central Bank of Russia (N 3384-U "On the maximum size of the base rates of insurance rates and coefficients of insurance rates") increased by 23-30%. And depending on the unprofitableness in the region, insurers themselves can choose the rate at which they will insure car owners. If you live in a region that is unprofitable for an insurance company, then it will use a rate increase of 30% and vice versa.

For example, earlier for individuals driving a vehicle of category B, the base rate was 1980 rubles. Now the base rate will be at least 2,440 rubles, maximum - 2,574 rubles. The difference is the tariff corridor. I will add that no one will force you to change old OSAGO policies to new ones or to renegotiate contracts. The old policy will be valid until its expiration date.

When you go to get a new insurance policy, do not forget to take the following documents

• the passport;
• STS or PTS;
• diagnostic card ;
• driver's license of the owner of the car (copies of the driver's licenses of those persons whom you will enter into the policy).

Let me remind you that OSAGO is the responsibility of your insurance company to those who suffered in an accident from your actions.

That's all for today. If you have legal questions about taxes, then ask them to a lawyer on the blog in the form at the bottom right. Next time we'll talk to you about new rules for obtaining a driver's license .

Take care of yourself and be happy!

Since August 2, 2014, serious amendments have appeared in the law on OSAGO. They relate to the rights of both the car owner and the insurance company. According to Pavel Bunin, President of the Russian Union of Auto Insurers, all changes are aimed at improving the OSAGO system and resolving problematic issues that have been identified over 11 years of operation of this type of insurance.

New and old

For insurers, a fine of 50 thousand rubles was imposed for an unjustified refusal to issue OSAGO or for imposing any additional insurance. According to the amendments to the law, the insurer himself is fully responsible for the quality of work performed by the car service, as well as for their timing. He is obliged to consider the insured event within 20 days. Now unscrupulous insurers will not be able to avoid liability for improper repairs. They will also be responsible for all contracts entered into by an agent or broker. And the car owner will have a choice: compensation for the accident with money or repairs. Here it is worth considering the fact that the insurer pays with depreciation. From October 1, the level of maximum possible wear of parts will be reduced from 80 to 50 percent. Note that the new provisions of the law on MTPL apply only to those people who entered into a car insurance contract after September 1, 2014. For persons who have previously insured their car, the terms of the contract will remain the same.
Penalty for violation of the terms of payments under OSAGO will be 1% of the payment amount (now - 0.11%). We talked about what to do if you are denied payment for MTPL.

Affects everyone!

There are changes that apply to all car owners regardless of the insurance time of their car.
From August 2, after an accident involving two vehicles, in which there are no casualties, the car owner must apply for payment only to his insurance company.

From September 1, a mandatory pre-trial procedure for resolving disputes under OSAGO has been established. It will be valid until July 1, 2015. The dispute resolution mechanism functions as follows: the car owner dissatisfied with the work of the insurer must send a reasoned complaint to the insurance company, attach the relevant documents to it, and the insurer must consider it and respond within 5 days. In the event that, when filing a claim with the court, the car owner does not submit documents confirming his appeal to the insurance company, the court will leave this case without consideration.

Increase in tariffs and limits for OSAGO

Amendments will come into force on October 1 of this year, according to which the sum insured for property damage under OSAGO will increase to 400 thousand rubles. Now the payment is 120 thousand rubles. According to insurers, this is impossible without increasing the tariff, which will affect all car owners. According to the calculations of the Independent Actuarial Information and Analytical Center, the current tariff must be increased by at least 11.8 percent. Insurers claim to suffer colossal losses, which in some regions exceed 100 percent.
It is worth mentioning the increase in the limit of payments under the "Europrotocol" (registration of an accident without the participation of traffic police officers) from 25 thousand to 50 thousand rubles. As for Moscow and the region, and St. Petersburg and the Leningrad region, here the amount, as an experiment, has been increased to 400 thousand.
But all this applies to policies sold since October 1, for insurances purchased earlier, the limits have remained the same.

Driver's age / experience ratio

The coefficients concerning the age and experience of the driver remain. According to the PCA study, the current driver's age / experience ratio needs significant adjustment. This is due to the prevailing accident rate in some age segments. More specifically, according to the PCA, older and more experienced drivers subsidize younger and less experienced drivers and, thus, overpay for the CMTPL policy.
Recall that today there are 4 gradations of the coefficient depending on the combination of age (up to 22 years old / over 22 years old) and length of service (up to 3 years old / more than 3 years old): under 22 years old and less than 3 years experience - a coefficient of 1.8. Over 22, but less than 3 years of experience - coefficient 1.7. If the driver is less than 22 years old, but the experience has already exceeded three years - the coefficient is 1.6. And everything else is a factor of 1.

RSA proposes to introduce 23 gradations from a coefficient of 2.52 (a driver under 25 years of age with less than 1 year of experience) to a coefficient of 0.77 (a driver over 45 years of age with more than 11 years of experience).

This is what the coefficient system will look like in the near future.

The Central Bank is going to set a ceiling on the price of the basic car insurance policy. This will be done by October 1st. The price should not be increased by more than 28.3 percent. Also, the Bank of Russia plans to increase the territorial coefficients of compulsory motor third party liability insurance. They will affect some regions.
It is known that proposals to increase the tariff have been considered for a year already - and were not accepted. If the expansion of the obligations of insurers is not supported by adequate tariffs, then a large number of companies may leave the market. Last year alone, the license for OSAGO was revoked from 5 companies, and in total, since 2008, 60 companies out of 161 have refused from OSAGO.

What else to wait

From April 1, 2015, it is expected that payments for damage to life and health of victims of road traffic accidents will increase to 500 thousand rubles. At the moment it is equal to 160 thousand rubles.

P.S. Since 2015, the CMTPL policy is possible.

Ekaterina Petrova, Autoclub78

Why the CMTPL policy has become the most discussed topic among motorists, how the insurance system is changing and why motorists are still unhappy

The Ministry of Finance of Russia has prepared another package of amendments to the law on OSAGO. The main one is the change in the tariff calculation system. According to Kommersant, the department proposes to allow insurers to independently set coefficients for policies. At the same time, during the transition period, they will only be given the opportunity to lower tariffs. In turn, drivers will be offered three options for policies with payment limits of up to 2 million rubles. and the ability to conclude an agreement for more than a year.

Reducing coefficients are proposed to be set depending on the driving style of the motorist, the number and nature of violations. For this, it is proposed to equip machines with telematics devices. In turn, it is proposed for insurers to introduce a penalty for the delay in sending a motivated refusal to pay out to the client. Its size will be up to 200 rubles. per day, but not more than 10 thousand rubles. in the amount.

If the document is approved, this will become another global change in the OSAGO system over the past four years. An Autonews.ru correspondent remembered how it all began.

August 2, 2014. Law on simplified registration of road accidents

Two years ago, the European protocol began to operate in Russia - a system in which participants in an accident can issue a minor accident without calling the traffic police. Since then, the number of motorists using this opportunity has been growing every year. From January to May 2017 alone, 208 thousand motorists registered accidents in Russia under the European protocol - 32% of the total number of drivers involved in accidents. This year, the number of motorists who wished to register an accident without the participation of traffic police inspectors increased by 40%.

You can issue a Europrotocol if there are no victims in the accident. Both participants in the accident must have valid OSAGO policies and not argue about the circumstances of the accident.

Presently maximum payout for compulsory motor third party liability insurance in case of an independent registration of an accident is 50 thousand rubles, and if the Euro-protocol is used on the territory of Moscow, St. Petersburg, Moscow or Leningrad regions - 400 thousand rubles.

However, in the near future, the limit for compensation for road accidents under the European protocol may double. At the moment, the corresponding bill has already received support from the government of the Russian Federation and was sent for consideration to the State Duma.

December 1, 2014. Unified method for calculating OSAGO

The calculation of the cost of repairs within the framework of compulsory motor third party liability insurance according to unified reference books is carried out from December 1, 2014. This document was created two years ago by the Russian Union of Auto Insurers and the Central Bank. The new methodology includes reference books on the cost of spare parts, materials and standard hours. The document includes 80 million items for the most common brands and models of vehicles in the context of 12 economic regions.

Since October 17, 2014, the application of this methodology has been made mandatory for insurers. Such measures were taken to eliminate the situation when the cost of repairs calculated by different experts for the same damage within the same insured event may differ several times. Such situations usually led to numerous disputes about the amount of payments between insurers and car owners.

The reference books of the average cost of spare parts, materials and standard hours of work used in OSAGO are regularly corrected and updated. So, according to the Russian Union of Auto Insurers, since August 1 of this year, the average cost of spare parts has decreased by about 8%

October 1, 2015. Electronic CTP policies

The launch of sales of electronic OSAGO policies started in 2015 - first from July 1 in the form of prolongation for individuals, then from October 1 it became possible to issue a policy not only from your own insurer, but also from any other offering this service. On July 1, 2016, legislation came into force that allowed insurance companies to open the opportunity to purchase electronic OSAGO policies for legal entities.

A driver can issue an electronic policy on the website of any insurance company. You can pay for the policy using by credit card... At the same time, the cost of an OSAGO policy does not depend on the way it is issued. It is forbidden to use the service only for newbies driving - they will have to go to the office of the insurance company for an OSAGO policy.

Since the beginning of this year, the sale of e-CMTPL has become mandatory for all insurance companies. This influenced the growth in sales of such policies: since the beginning of 2017 alone, Russian car owners have concluded 2.7 million CMTPL contracts in electronic form.

June 1, 2016. Cancellation of imposed insurance

Since the summer of last year, the Russians have been able to abandon the imposed insurance within five working days. The corresponding document was prepared by the Bank of Russia back in 2015, however, additional time was allocated to insurers so that they could restructure their activities to new operating principles,

The Russians were allowed to refuse life insurance, insurance against accidents and illnesses, health insurance, casco and insurance financial risks... The client will be able to terminate the contract within five working days from the date of conclusion, regardless of the date of payment of the insurance premium, but only if an insured event has not occurred during this period. In this case, the insurance company must return the money to the car owner in full.

Such an innovation was adopted due to the increased frequency of cases when car owners could buy an OSAGO policy, only by purchasing a load additional insurance... At the same time, it was rather difficult to prove that the insurance was imposed on the client.

The transition to new forms did not affect the cost of compulsory motor third party liability insurance for motorists - the main costs were borne by insurance companies. The cost of manufacturing a new-style policy blank has increased slightly - by less than 1 ruble.
July 2016. OSAGO policy became pink

Last year, for the first time since the validity of the insurance, the color of the document changed from green to pink. The background of the letterhead has become more complex - graphic shapes and a color stretch between yellow, pink and lilac colors have appeared on it. According to the assurances of representatives of the State Sign, the degree of protection of the policy has also been increased - to make a forgery, fraudsters will need at least two years.

September 1, 2016. Ban on tariff increases

A year ago, after a long debate, the State Duma approved a law prohibiting the increase in tariffs for compulsory motor third party liability insurance more than once a year. The document was prepared by the LDPR deputies and discussed throughout the year.

The reason for the initiative was the increase in prices for OSAGO policies from April 12, 2015. Then the base rates of auto insurance increased immediately by 40%. In addition, the tariff corridor was expanded from 5% to 20%. This decision was made by the Board of Directors of the Bank of Russia, who explained this by the unprofitable business. It got to the point that insurers simply left a number of regions, and car owners had nowhere to buy a policy.

This decision caused sharp discontent among the majority of car owners. In return, they received an increased limit of payments for harm caused to life and health, as well as a transparent calculation method.

March 2017. In-kind damages instead of cash payments

In early spring of this year, the head of state made global changes to the rules of compulsory car insurance. We are talking about compensation in kind instead of cash payments. According to the document, the owner damaged car it is necessary to contact a service station for repair, the list of which is dealt with by the insurance companies themselves. This rule only works for light vehicles that are owned by private individuals. The repair period for a car should not exceed 30 days. In this case, the service should be located no further than 50 km from the place of residence of the car owner or the place of the accident.

Also, the law does not exclude the possibility of obtaining Money from insurance companies. However, now this is only possible if the car cannot be repaired, the driver has suffered moderate or severe harm, if the driver is killed, or if the repair costs more than 400 thousand rubles. In addition, the owner of the wrecked car may demand monetary compensation if he is dissatisfied with the quality of the repair.

According to the government's plan, the new amendments should simultaneously take into account the interests of motorists and insurance companies. So, for car owners, the innovation is beneficial in that it virtually eliminates disputes with the insurance company regarding the amount of payments and allows you to get a repaired car without any additional payments. In turn, insurers can control the quality and volume of work at the stations themselves. In addition, the risks of litigation and associated costs are also reduced for them.

July 2017. Creation of a commission to resolve disputes between insurers

Russian President Vladimir Putin signed a document on the creation of a special commission in the country under the Russian Union of Auto Insurers. Its main goal is to resolve disputes between insurers that relate to mutual settlements on direct reimbursement losses on OSAGO.

The commission is given 20 days to resolve the conflict situation. If the insurer disagrees with their decision, the dispute will be considered by an arbitration court. This innovation in the government was explained by the desire to reduce the burden on the courts and at the same time reduce the abuse of the right of fraudsters.

On July 9, 2014, amendments to the law were adopted "About compulsory insurance civil liability vehicle owners "(OSAGO)... The entry into force of these changes was divided into several stages: from August 2, 2014, from September 1, 2014, from October 1, 2014. Some of the changes will come into force only in 2015, so we will not consider them.

The changes that have already come into force have affected many sections:

• Changing the limits of payments under the OSAGO agreement
• Direct compensation for damages (PVL)
• Europrotocol
• Changes to the maximum wear value vehicle and its details
• Terms of payments to the injured party
• Possibility to repair a damaged vehicle under OSAGO
• Liability of insurance companies
• Independent technical expertise

Changing the limits of payments under the OSAGO agreement.

The most long-awaited amendment to the Law on MTPL was an increase in the limits for payments of insurance amounts to victims.

Earlier payment limits in Russian Federation were:

• no more than 120 thousand rubles (in case of compensation for damage caused to the property of one victim)
• no more than 160 thousand rubles (In case of compensation for harm caused to the life and / or health of the victim)
• no more than 160 thousand rubles

It is clear that these amounts are too small to fully compensate the injured party. Therefore, car owners were forced to additionally issue DAGO policies, or to recover the remaining amount of damage directly from the culprit through the courts.

From October 1, 2014, the payments of insurance amounts under OSAGO when reimbursing damage to the property of the victim have been increased to 400,000 rubles. The restrictions on the amount of total payments with the participation of several victims have also been canceled. ( Now each aggrieved party is entitled to a payment of up to RUB 400).

It should be noted that the changes will affect only car owners who have issued an OSAGO policy after October 1, 2014. If your policy was issued earlier, then the calculation of the amount of payments will be made according to the old rules.

The increase in the limit of payments in terms of compensation for harm to the life and health of the victim will take place only from April 1, 2015.