Changes in compulsory insurance. The cost of compulsory motor insurance depending on the region (2014) Compulsory motor insurance new rules in the year

• paragraph a) comes into force on April 1, 2015;
• clause b) and the exclusion of clause c) come into force on October 1, 2014.

This is the most important change; the maximum amount of insurance payments has been increased by more than 3 times.

Tariffs are regulated by the Bank of Russia

1. Regulation of insurance rates is carried out by establishing, in accordance with this Federal Law, economically justified insurance rates or their maximum levels, as well as the structure of insurance rates and the procedure for their application by insurers when determining the insurance premium under a compulsory insurance contract.

1. Regulation of insurance tariffs for compulsory insurance is carried out through the establishment by the Bank of Russia, in accordance with this Federal Law, of actuarially (economically) justified maximum amounts of basic rates of insurance tariffs (their minimum and maximum values, expressed in rubles) and coefficients of insurance tariffs, requirements for the structure of insurance tariffs, as well as the procedure for their application by insurers when determining the insurance premium under a compulsory insurance agreement.

Possibility of changing tariffs

3. The validity period of the established insurance rates cannot be less than six months.

The change comes into force on January 1, 2016. While the changes are intended to be driver-friendly, they serve as a reminder that base rates are subject to change. How many times or even how many times they are named and in which direction only time will tell. But there is hardly any reason for optimism regarding changes in basic insurance rates.

Increase in insurance payments when filing an accident yourself up to 50,000 rubles. In Moscow, St. Petersburg, Moscow region and Leningrad region up to 400,000 rubles.

Article 11.1. Preparation of documents regarding a traffic accident without the participation of authorized police officers

1. The preparation of documents regarding a road traffic accident without the participation of authorized police officers is carried out in the manner established by the Bank of Russia, if the following circumstances exist simultaneously:

a) as a result of a traffic accident, damage was caused only to the vehicles specified in subparagraph “b” of this paragraph;

b) a traffic accident occurred as a result of the interaction (collision) of two vehicles (including vehicles with trailers), the civil liability of the owners of which is insured in accordance with this Federal Law;

c) the circumstances of harm in connection with damage to vehicles as a result of a road traffic accident, the nature and list of visible damage to vehicles do not cause disagreement among the participants in the road traffic accident and are recorded in the notification of the road traffic accident, the form of which is filled out by the drivers involved in the road traffic accident -transport accident of vehicles in accordance with the rules of compulsory insurance.

2. In case of registration of documents about a road traffic accident without the participation of authorized police officers, the notification form for a road traffic accident, filled out in duplicate by the drivers of the vehicles involved in the road accident, is sent by these drivers to the insurers who insure their civil liability, within five working days from the date of the traffic accident. The victim sends to the insurer who insured his civil liability his copy of the jointly completed notification form about the road traffic accident along with an application for direct compensation for losses.

3. In case of registration of documents about a road traffic accident without the participation of authorized police officers, the owners of vehicles involved in the road traffic accident, at the request of the insurers specified in paragraph 2 of this article, are obliged to present the specified vehicles for inspection and ( or) an independent technical examination within five working days from the date of receipt of such a requirement.

To ensure the possibility of inspection and (or) independent technical examination of vehicles involved in a traffic accident, in the event of registration of documents on a traffic accident without the participation of authorized police officers, the owners of the specified vehicles without the consent in writing of the insurers specified in paragraph 2 of this article, must not begin their repair or disposal until the expiration of 15 calendar days, with the exception of non-working holidays, from the date of the traffic accident.

4. In case of registration of documents about a road accident without the participation of authorized police officers, the amount of insurance payment due to the victim in compensation for damage caused to his vehicle cannot exceed 50 thousand rubles.

5. In the case of registration of documents about a road traffic accident that occurred in the territories of federal cities of Moscow, St. Petersburg, Moscow Region, Leningrad Region, without the participation of authorized police officers, the limitation on the amount of insurance payment provided for in paragraph 4 of this article is not applies and the insurance payment is made to the victim within the limits of the insurance amount established by subparagraph “b” of Article 7 of this Federal Law, subject to the provision to the insurer of data on the circumstances of damage to the vehicle as a result of a traffic accident, which are recorded using technical means of control that ensure uncorrectable registration of information (photo or video recording of vehicles and their damage at the scene of a traffic accident, as well as data recorded using navigation aids operating using GLONASS or GLONASS technologies in conjunction with other global satellite navigation systems).

6. In case of registration of documents about a road traffic accident without the participation of authorized police officers, the insurer must be provided with data on the circumstances of damage to the vehicle as a result of a road traffic accident, which are recorded using technical means of control that ensure uncorrected registration of information (photo - or video recording of vehicles and their damage at the scene of a traffic accident, as well as data recorded using navigation aids operating using GLONASS or GLONASS technologies in conjunction with other global satellite navigation systems).

7. Requirements for technical means of control, the composition of information about a road accident and the procedure for submitting such information to the insurer, ensuring that the insurer receives uncorrected information about a road accident, are established by the Government of the Russian Federation.

8. A victim who has received an insurance payment on the basis of this article does not have the right to make additional claims to the insurer for compensation for damage caused to his vehicle as a result of a traffic accident, the documents for which are drawn up in accordance with this article. The victim has the right to contact the insurer who insured the civil liability of the person who caused the harm, with a claim for compensation for harm that was caused to life or health, arose after the claim for insurance payment was made and about which the victim did not know at the time of the claim for compensation for the harm caused. his vehicle.

The law has been supplemented with a new article regulating in detail the execution of documents on site without the participation of authorized employees. This article deserves special attention and we will devote separate material to it.

Wear limit 50%

The amount of costs for materials and spare parts is determined taking into account the wear and tear of components (parts, assemblies and assemblies) to be replaced during restoration repairs, in the manner established by the Government of the Russian Federation. At the same time, wear and tear cannot be charged on the specified components (parts, assemblies and assemblies) in excess of 80 percent of their value.

The amount of expenses for spare parts (including in the case of compensation for damage caused in the manner provided for in paragraph two of clause 15 of this article) is determined taking into account the wear and tear of components (parts, assemblies and assemblies) to be replaced during restoration repairs. At the same time, wear and tear cannot be charged on the specified components (parts, assemblies and assemblies) in excess of 50 percent of their value.

Let us note that Article 12 is fully set out in a new wording with the heading “Determination of the amount of insurance payment and the procedure for its implementation” and combines Article 13.

The application review period has been reduced to 20 days

2. The insurer shall consider the victim’s application for insurance payment and the documents attached to it provided for by the rules of compulsory insurance within 30 days from the date of receipt. During the specified period, the insurer is obliged to make an insurance payment to the victim or send him a reasoned refusal to make such payment.

21. Within 20 calendar days, with the exception of non-working holidays, from the date of acceptance for consideration of the victim’s application for insurance payment or direct compensation for losses and the documents attached to it, provided for by the rules of compulsory insurance, the insurer is obliged to make an insurance payment to the victim or issue him a referral for repair of the vehicle indicating the repair period or send the victim a reasoned refusal of insurance payment.

The penalty for late payments has been increased to 1%

If this obligation is not fulfilled, the insurer, for each day of delay, pays the victim a forfeit (penalty) in the amount of one seventy-fifth of the refinancing rate of the Central Bank of the Russian Federation, valid on the day when the insurer should have fulfilled this obligation, from the insured amount established by Article 7 of this Federal Law by type compensation for harm to each victim.

The refinancing rate is 8.25% per annum.

If the deadline for making an insurance payment or compensation for damage caused in kind is not met, the insurer, for each day of delay, pays the victim a penalty (penalty) in the amount of one percent of the amount of insurance payment determined in accordance with this Federal Law by the type of harm caused to each victim.

Did drivers win or lose from changes in the compulsory motor insurance law?

In general, it seems that all changes in the law are in favor of the driver; the requirements for insurance companies have become more stringent.

But this benefit will be felt by drivers involved in a major accident. What proportion of the total number of drivers gets into an accident with damage exceeding 120 thousand rubles? Moreover, insurance companies offered the so-called extended contract - DSAGO, when the driver optional for an additional fee could increase the maximum amount of insurance payments.

Now the amount of insurance payments has been increased without desire driver, and the question of additional payment remains open until we find out the new tariff rates.

At the moment, in a number of Russian regions, motorists are faced with an overestimation of the cost of compulsory motor insurance on a daily basis. In this regard, the ability to perform calculations using an independent OSAGO cost calculator is becoming increasingly relevant. This approach allows you to check the accuracy of the insurers' calculations.

Car owners who decide to double-check on their own should remember that an error when choosing a locality will significantly distort the calculation result, so you should be extremely careful when filling out the form for the online compulsory motor insurance cost calculator.

Should we expect an increase in the territorial coefficient?

Not 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 specialists from the country's main financial institution, the Kt values ​​should have changed by 0.1-0.8 basis points. In total, changes in the cost of the MTPL policy were to affect 31 Russian regions, including plans to increase the coefficient in Arkhangelsk, Kazan, Ulyanovsk, Saransk, Blagoveshchensk, Volgograd, Murmansk and Chelyabinsk. At the same time, an increase in cost was not planned in such cities as Moscow, Yekaterinburg, St. Petersburg, Ufa, Samara and Saratov.

Why did the Central Bank decide to increase the cost of compulsory motor insurance 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 (RUA), according to which in certain 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 localities this indicator has reached a critical level. This is why many insurers simply refuse to issue an insurance policy to clients, citing the lack of forms, or insist on obtaining additional insurance.

In short, the issue of increasing the cost of compulsory motor liability insurance has been brewing for a long time, but today specialists of the Central Bank were forced to temporarily suspend work on changing territorial coefficients. The fact is that this summer the State Duma adopted the amendments to the law on “motor citizenship”, expected by many motorists, which had been discussed since 2012. The main innovation was the expansion of insurers' liability limits. For these purposes, it was even necessary to adopt a separate federal law dedicated exclusively to compulsory motor liability insurance, 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 Central Bank specialists to address the issue of increasing the base rates of the insurance tariff. Therefore, most likely, in the near future the territorial coefficients will remain unchanged, because the issue of the cost of compulsory motor liability insurance has long ceased to be purely economic. An increase in the price of compulsory car insurance cannot but affect the costs of motorists, and therefore affects the social sphere. It follows from this that a simultaneous increase in base rates and the territorial coefficient will definitely not happen, at least in the MTPL cost calculator for 2014.

True, the temporary suspension of work on increasing the Kt does not mean that the Central Bank completely refuses to increase this coefficient in the above regions.

It is quite possible that some time after the adoption of the updated base rates, the issue of increasing the Kt will arise again. Returning to the issue of increasing basic tariffs, it is worth noting that, according to representatives of the Central Bank, the maximum increase in the cost of compulsory motor liability insurance will be no more than 30%. One way or another, it can be said 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 MTPL cost in different regions?

In accordance with the current tariff manual, Kt for a specific region or locality is determined using a special table, which is freely available. It is this table that is used to determine the cost of MTPL by Rosgosstrakh, Ingosstrakh, Renaissance, UralSib, AlfaStrakhovanie and other licensed insurers. You can view the list of territorial coefficients for all Russian regions by visiting the RSA website. Here is a table for the largest cities and individual regions, which, among other things, shows the coefficients that the Central Bank planned to introduce. So, today, when calculating the cost of compulsory motor liability insurance 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.

From the table above it can be seen that if the Kt values ​​​​developed by Central Bank employees are adopted, individual cities will face a significant increase in the average cost of compulsory motor liability insurance. For example, an increase in the territorial coefficient in Murmansk will entail an increase in the price of compulsory car insurance by approximately 2,000 rubles, and the average cost of compulsory motor 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 based on the basic MTPL tariff in force in 2014. If this figure increases, the average price for a “citizen car” will increase proportionally.

Many car owners may notice that in this case the price of a car insurance policy is almost equal to the cost of comprehensive insurance. However, here it would be appropriate to recall a number of restrictions provided for by law, including the maximum cost of an auto insurance policy. This value cannot exceed three times the base tariff multiplied by Kt. Consequently, for the same Murmansk, the insurance premium (taking into account the predicted Kt) for passenger cars owned by 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 is worth noting that this rule applies only to insurance contracts concluded for a year and is not applicable when taking out transit insurance, which is valid for no more than 20 days.

How is Kt calculated and what does it depend on?

The value of the territorial coefficient used in calculating the cost of compulsory motor liability insurance depends on several factors. Among them are statistics on unprofitability, prices for spare parts, as well as the cost of a standard hour 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 compulsory motor liability insurance in Samara was 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 only 89 kilometers from each other. However, according to statistics, there are many more expensive foreign-made cars in Samara. Consequently, the average payout is higher. That is why, when calculating the cost of compulsory motor liability insurance for residents of Samara, a higher Kt is included than for Togliatti residents.

You can also use as an example two large cities located in different regions, say, Kazan and St. Petersburg. If we calculate the cost of compulsory motor liability insurance 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 a “citizen car” in these cities differs by 250 rubles. In this case, in addition to accident statistics, the geographic location of cities plays a role. The fact is that delivery of spare parts for imported cars to St. Petersburg costs almost half as much as to Kazan. Accordingly, Kazan car enthusiasts pay much more for spare parts than 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 accident statistics. In addition, over the past few years, the practice of obtaining insurance compensation through the courts has become widespread in some regions.

As a rule, in the vast majority of such cases, the car owner wins the lawsuit, and the insurance company, in addition to paying for 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 included in the category of losses under compulsory motor liability insurance, which increases the average payment in the region.

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

How to legally reduce the cost of compulsory motor insurance?

The mentioned increase in base rates will inevitably lead to an increase in the price of compulsory car insurance in all Russian regions. It is possible that already in 2014 the cost of compulsory motor 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 law provides for only one way to reduce the price of an MTPL policy, namely a discount for accident-free operation of a car. In addition, the car owner can ask the insurer to calculate the cost of compulsory motor liability insurance for one month, three months, six months or any other period provided for by the tariff manual, which will allow for a kind of installment payment. However, in addition to this, there are other completely legal ways to reduce the cost of insurance. We will talk about one of them.

Considering that the difference between the cost of compulsory motor insurance in different localities can be several thousand rubles, sometimes a car owner is tempted to transfer his car to a relative or friend living in a city with a lower territorial utilization rate.

In this simple way, you can reduce the cost of a vehicle title by several tens of percent, and sometimes by half. Let's say, a resident of Moscow can register a car to his relative in Kaluga and buy compulsory motor liability insurance with a coefficient of 1.2 instead of 2.0, and a driver from Ulyanovsk will be more profitable to insure the car in Tolyatti. According to the calculated data given in Table 1, the difference between the average cost of compulsory motor insurance in Ulyanovsk and Tolyatti exceeds 1,500 rubles. If you do the math, this method allows you to save:

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

*Taking into account that all other coefficients are equal to one.

What could such a trick turn out to be?

The benefits are obvious, but we must not forget about possible problems. There is one feature that is worth considering when calculating the cost of compulsory motor liability insurance in this way. Thus, 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;
• The average cost of a standard hour for service station workers in the same region.

What does all this mean for the policyholder who has decided to reduce the cost of compulsory motor 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 conventional Muscovite from our example. Accordingly, the amount received is clearly not enough to pay for repairs at one of the capital’s service stations. Someone may say that insurance companies often pay much less than they should, so everything said above is not an argument against saving on compulsory motor liability insurance with the help of CT. However, there is an important nuance worth noting in this regard.

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

• In case of an accident, the amount of compensation entitled to a Moscow car owner is 50,000 rubles.
• At the same time, in Kaluga, for similar damage, an expert appraiser will count only 42,000. A difference of as much as 8,000 arises even in the example where the car was not too seriously damaged.

This amount will overnight “cover” the savings on compulsory motor liability insurance for five years in advance, but what will happen if the accident, God forbid, turns out to be more serious? Even if in both cases the insurance company pays only 50% of the due compensation, the difference will be 4,000 rubles. At the same time, judging by user reviews, many insurers significantly underpay in remote regions and small towns.

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

1. Firstly, you can file a claim 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 marketable value of the car, so almost all owners of new cars are forced to initiate legal proceedings. Most lawyers specializing in car insurance do not recommend filing an application at the place of registration of the insurance company for a number of reasons (which can be discussed in a whole separate article). Accordingly, a resident of Moscow will sue the insurance company at the place of residence of the owner of the car. Accordingly, in our example, the vehicle is registered to a resident of Kaluga, so the claim will have to be filed in this city. It’s good if a friend or relative agrees to independently look for a qualified lawyer in his city and enter into an agreement with him, but it can also be completely different.
2. Another problem follows from the one already mentioned earlier: the amount of compensation under compulsory motor liability insurance in the regions is usually lower than in Moscow or other cities with a high CT ratio. This circumstance will directly affect the course of the proceedings if the car owner decides to seek the truth in court. In the event of a positive decision on the claim, the insurer will be required to compensate for damage based on Kaluga prices for spare parts and standard hours for service station workers. Accordingly, the amount received is often lower than in the capital.

Considering all of the above, only one thing can be said - each car owner must independently decide whether it is worth saving on the “automobile license” due to the trick with the territorial coefficient or not. It is important to remember that in the event of an insured event, such an approach can cause many problems.

Summing up

Today, the auto insurance industry is experiencing unprecedented changes, which are designed to increase the scope of liability of insurance companies and simplify the procedure for obtaining compensation. At the same time, it is possible that the cost of the MTPL policy will increase in 2014, which will certainly affect the wallets of all Russian motorists. Considering the upcoming changes, we can only hope that if the cost of compulsory motor liability insurance increases in 2014, Rosgosstrakh, RESO, Ingosstrakh, Soglasie and other major players will be able to increase their income while keeping costs at the same level. This will undoubtedly have a positive impact on this market.

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

The Russian Ministry of Finance has prepared another package of amendments to the law on compulsory motor liability insurance. The main one is the change in the tariff calculation system. According to Kommersant, the department proposes to allow insurers to set their own 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 policy options with payment limits of up to 2 million rubles. and the ability to enter into a contract for more than a year.

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

If the document is approved, this will be the next global change in the compulsory motor liability insurance system over the past four years. The 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 road accidents can register a minor accident without calling the traffic police. Since then, the number of motorists taking advantage of this opportunity has been growing every year. From January to May 2017 alone, 208 thousand motorists registered road accidents under the European protocol in Russia - 32% of the total number of drivers involved in accidents. This year, the number of motorists who wished to file an accident without the participation of traffic police inspectors increased by 40%.

You can issue a European protocol if there are no victims in the accident. Both parties to the accident must have valid MTPL policies and not argue regarding the circumstances of the accident.

At the moment, the maximum payment under compulsory motor liability insurance when filing an accident independently is 50 thousand rubles, and if the European protocol is used in the territory of Moscow, St. Petersburg, Moscow or Leningrad regions - 400 thousand rubles.

However, in the near future, the limit for compensation for damage in case of an accident under the European protocol may double. At the moment, the corresponding bill has already received the support of the Russian government and has been sent for consideration to the State Duma.

December 1, 2014. Unified methodology for calculating compulsory motor liability insurance

Calculation of the cost of repairs within the framework of compulsory motor liability insurance according to unified directories has been carried out since 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 across 12 economic regions.

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

Directories of the average cost of spare parts, materials and standard hours of work used in MTPL are regularly adjusted and updated. Thus, according to the Russian Union of Auto Insurers, since August 1 of this year, the average cost of spare parts has decreased by approximately 8%

October 1, 2015. Electronic MTPL policies

The launch of sales of electronic MTPL policies started in 2015 - first from July 1 in the form of extension 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 possibility of purchasing electronic MTPL policies for legal entities.

The driver can issue an electronic policy on the website of any insurance company. You can pay for the policy using a bank card. At the same time, the cost of the MTPL policy does not depend on the method of its registration. Only new drivers are prohibited from using the service - they will have to go to the office of the insurance company to obtain an MTPL policy.

Since the beginning of this year, sales of e-OSAGO have become mandatory for all insurance companies. This influenced the growth of sales of such policies: since the beginning of 2017 alone, Russian car owners have concluded 2.7 million MTPL agreements electronically.

June 1, 2016. Refusal of imposed insurance

Since last summer, Russians have had the opportunity to refuse 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 rebuild their activities to new operating principles,

Russians were allowed to refuse life insurance, accident and illness insurance, medical insurance, comprehensive insurance and financial risk insurance. 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 no insured event occurred during this period. In this case, the insurance company must return the money to the car owner in full.

This innovation was adopted due to the increasing number of cases when car owners could buy a compulsory motor liability insurance policy only by purchasing additional insurance. At the same time, it was quite difficult to prove that insurance was imposed on the client.

The transition to new forms did not affect the cost of compulsory motor insurance for motorists - the main costs fell on insurance companies. The cost of producing a new policy form has increased slightly - by less than 1 ruble.
July 2016. OSAGO policy became pink

Last year, for the first time since the insurance was in force, the color of the document changed - from green to pink. The background of the form became more complex - graphic figures and a color pattern between yellow, pink and lilac appeared on it. According to representatives of Gosznak, the degree of protection of the policy has also been increased - it will take fraudsters at least two years to produce a fake.

September 1, 2016. Ban on tariff increases

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

The reason for the initiative was the increase in prices for compulsory motor liability insurance policies from April 12, 2015. Then the basic car insurance rates increased 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 unprofitability of the 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 dissatisfaction 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 methodology.

March 2017. Compensation in kind instead of cash payments

At the beginning of spring of this year, the head of state introduced global changes to the rules of compulsory car insurance. We are talking about compensation in kind instead of monetary payments. According to the document, the owner of a damaged car must contact a service station for repairs, the list of which is handled by the insurance companies themselves. This rule only applies to passenger cars that belong to private individuals. The vehicle repair period should not exceed 30 days. In this case, the service must be located no further than 50 km from the place of residence of the car owner or the scene of the accident.

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

According to the government, the new amendments should simultaneously take into account the interests of motorists and insurance companies. Thus, for car owners, the innovation is beneficial in that it virtually eliminates disputes with the insurance company regarding the amount of payments and allows them to receive a repaired car without any additional payments. In turn, insurers can themselves control the quality and volume of work at stations. In addition, the risks of litigation and associated expenses 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 regarding mutual settlements for direct compensation of losses under compulsory motor liability insurance.

The commission is given 20 days to resolve the conflict situation. If the insurer does not agree with their decision, the dispute will be considered by an arbitration court. The government explained this innovation by the desire to reduce the burden on the courts and at the same time reduce abuse of rights by fraudsters.

Until June 1, 2014, changes will be made to the law on compulsory motor liability insurance. The government amended this draft law and submitted it for consideration to the Duma of the Russian Federation. The main innovation concerned insurance payment limits. If for material damage the amount of cash payments was 120 thousand rubles, now it will increase to 400 thousand rubles. The amount of compensation for damage caused to life and health in the OSAGO 2014 programs in Russia instead of 160 thousand rubles will be 500 thousand rubles.

Limits are also expected to change regarding simplified registration of the European protocol without calling the traffic police. The amount, which is now 25 thousand rubles, will be raised to 50 thousand. And for such regions as Moscow and the Moscow region, St. Petersburg and the Leningrad region up to the maximum limits for compulsory motor liability insurance.
To reduce the number of disputes regarding the amount of payments, the new law proposes to give motorists a choice: for material damage caused, receive compensation in money or by sending it to a service station determined by the insurer. It is proposed to change the procedure for compensation of losses, when the victim will be obliged to address this issue only to his MTPL insurer. Now, in order to compensate for the damage, you can choose between your company and the company of the motorist who is at fault for the accident.
Before May 1, 2014, the government and the leadership of the Central Bank of the Russian Federation will consider the issue of introducing an electronic insurance policy, which may also affect compulsory motor liability insurance.
The Central Bank of Russia, in order to avoid a total increase in prices for issuing MTPL policies, has made a proposal to increase territorial coefficients while maintaining the base tariff, which for individuals is now 1980 rubles, and for legal entities - 2375. This project will affect 31 constituent entities of the Russian Federation. At the same time, these changes do not apply to car owners in the cities of Moscow and St. Petersburg, where the maximum coefficient is 2. But for motorists in the Far East, this figure will be increased by more than 1.5 times. The maximum coefficient is expected to be set in Murmansk - 2.5 instead of the existing 1.7. Kazan will suffer no less, where the coefficient will increase from 2 to 2.3. In Petropavlovsk-Kamchatsky 1.1-1.9, Chelyabinsk 2-2.4, Ivanovo 1.8-2.4, Blagoveshchensk 1.4-2.1.
According to RSA experts, the increase in coefficients will not lead in most cities to a significant increase in tariffs for the purchase of compulsory motor insurance. The expected increase will range from 6 to 20%. Although in some cities, for example in Petropavlovsk-Kamchatsky, the policy will cost 73% more. Insurers believe that territorial adjustment is the right decision, however, this measure will not solve all the problems that have accumulated in recent years in compulsory motor liability insurance. It is proposed to include a revision of the basic tariff indicator into the list of additional measures.

In an interview given to Rossiyskaya Gazeta by the head of the Supreme Insurance Council, the importance of balancing the insurance market with tariffs was emphasized. Such a balance, according to the specialist, will give young insurers an opportunity to prove themselves; fierce competition will appear in the market, which will force insurance companies to treat their clients more responsibly. However, although the new law has its advantages, in the future it will not be ideal for both insurers and clients. From the point of view of the head of the Supreme Insurance Council, the ideal solution to many problems would be the introduction of a free tariff for compulsory motor liability insurance. The role assigned to the state would be to set the upper and lower limits of tariffs, and the specific amount of cost would be determined by the car owner himself, based on his experience and driving experience. If the risks are high, then the policy is purchased from a company with a good reputation. Someday, in terms of cost, OSAGO could become the basic CASCO insurance.

The changes made to the law on compulsory motor vehicle liability insurance will now apply not only to motorists, but also to pedestrians. One of the amendments proposes the payment of funds to injured pedestrians, without providing documents confirming their costs for restoring their health. Previously, in order to prove his innocence, or to find the insurance company of the person responsible for the accident, a pedestrian injured in an accident had to personally deal with such issues. And since the state of a person’s health did not always want the best after being hit by a car, it was necessary to issue a notarized power of attorney to other persons who were involved in these procedures. Now the amendments have expanded the circle of persons who, without a power of attorney, have the right to represent the interests of the victim in the traffic police.
At the moment, the RSA Union is working to create a unified directory of consumables, labor intensity standards and the cost of spare parts to determine the cost of damage under compulsory motor liability insurance. That is, we are essentially talking about creating a unified mechanism for calculating the funds spent on repairs. Insurers have been waiting for such a common denominator for 10 years, from the date of introduction of compulsory motor liability insurance. These changes are expected to take effect by mid-summer.

At the moment, the cost of OSAGO 2014 is 4 thousand rubles. However, new tariffs for MTPL policies and adjustment factors to them are not the only reason for the increase in policy costs. This also needs to include rising inflation, consumer prices, as well as the ever-increasing cost of repairs. If the cost of MTPL remains the same, half of the companies will not be able to withstand the competition and will leave the insurance market.