Changes in OSAGO from October 1. Changes to the Law on CTP and individual legislative acts of the Russian Federation - Russian newspaper. Changing the Insurance amount on the CTP

The sequence of entry into force of key amendments to the Law on CCAMA and others regulations Since 2014:

• "Non-alternative" direct compensation of losses (PWE) - now with an accident that falls under the requirement of the PVE (2 cars participated in an accident, both have a policy of OSAGO, the harm caused only to property), !!! For payment it will be possible only to its insurance company!!!. This norm will apply to all existing contracts.
• Improving the limit of payments by Europrotokol from 25,000 to 50,000 rubles. Only for an accident, both participants who concluded contracts after the entry into force of amendments to the law
• The procedures for the design of Europrotokola and the procedure for notifying the insurer - each participant in the accident is obliged to send its copy of the notice of accidents for 5 days to their insurer
• The Administrative Offenses of Insurance Companies (50,000 rubles) are introduced into the Administrative Offenses of Insurance Companies (50 000 rubles)
• Requirements for banks are introduced, in which RSA can post temporarily free funds - banks should not be controlled by insurers
• The procedure for eliminating the SC from RSA and feedback / license return

• New tariffs OSAGO - must approve the Bank of Russia
• Establishment of the tariff corridor (minimum and maximum tariff values) on OSAGO - insurance companies will be able to apply tariffs within the indicated corridor
• Termination of insurance on OSAGO technology on a non-saline propulsion (caterpillar, Sanne, etc.)
• Termination of insurance for individual treaties of trailers - will be made a special mark in the tractor's policy with a certain surcharge to the tariff
• OSAGO policies should be sold in any division / branch of the insurance company
• Data on concluded CCAMAG agreements should be listed in AIS of Rs within 1 day from the date of the contract
• At the conclusion of the OSAGO Agreement, it is necessary to use the data AIS RSA about the value of the CBM and the passage of
• Responsibility of the insurer for unauthorized use of forms of policies. The insurer is obliged to pay for all its policies, except those that were previously stated as abducted
• In case of early termination of the CTP agreement, part of the insurance premium intended for insurance payments is returned, part of the premium is returned to the proportionally left period of action of the contract or the period of use of the vehicle
• The term of payment by the victim (or directions of motivated failure) is reduced to 20 calendar days, with the exception of non-working holiday days
• The possibility of paying to the OSAO by referring to repairs in case the insurer has a contract with a maintenance station
• The Unified Methodology of Independent Technical Examination is approved by the Bank of Russia
• The government certificates technicians
• Application of the Law "On Consumer Protection" in the part, not regulated by law on CTP
• Pencing for every day of delay in payments - 1% of the amount of payment
• Penalty for each day of late period of refusal of refusal - 0.05% of the sum insured
• The list of regressions in Euro-Locola is expanded: the culprit of an accident did not send a notice of an accident within 5 days, did not submit its TC to inspection of the insurer or began to repair it to inspect insurers within 15 days after an accident
• Pre-trial procedure for compensation for the damage to the CTP
• 50% Penalty from the amount of the Untilment of Payments
• Reorganization of the RSA management on the principles of equal rights of its members
• Expansion of the List of PPD RSA; Accommodation in Internet PPDs affecting the interests of insurers and victims

• Raising a limit of payments for damage to property from 120,000 to 400,000 rubles
• The total payment limit is canceled with several victims (160,000 rubles) and proportional payments - now every victim in an accident can get 400,000 rubles. regardless of their quantity
• Reducing the maximum possible wear value when calculating the reimbursement of the CTP from 80% to 50%
• "Unlimited" Europrotokol (the amount of payment is limited only by the sum insured - 400,000 rubles) in Moscow, MO, SPB and Lo, subject to the provision of photo or video filming, as well as the data of the GLONASS system or other navigation systems. Only for an accident, both participants who have concluded contracts after October 1, 2014. For cases not confirmed by technical means of fixation, payments limit - 50,000 rubles
• Insurers should lead their rules for CASCO and Dago in line with the new law in terms of the use of Europrotokol

• Creating a unified automated information systemcomprising the insurance history of all customers of insurance companies on Casco and DSAgo. Combining information from AIS RCA on OSAGO

• Raising the limit of payments in life and health every victim from 160,000 to 500,000 rubles
• Similarly, limits are rising compensatory payments RSA
• Payments in case of injury injuries will be carried out on a special table
• It simplifies the procedure for confirming the fact of causing harm to health in an accident and the procedure for obtaining payments on the CTP
• The list of beneficiaries is expanding in the event of the death of the victim (compared with the Civil Code)

• Set amendments to the introduction of the electronic policy of OSAGO

• "Unlimited" Europrotokol (the amount of payment is limited only by the sum insured - 400,000 rubles) throughout Russia, subject to the provision of photo or video filming, as well as the GLONASS system data

The last few weeks have passed for car owners and insurance companies in a strong excitement: everyone was waiting for October 1, when the amendment should be taken into force of the ARGO law. New rules will affect the cost of insurance, the system of coefficients and the size of payments. Also, drivers will have official right in some cases draw up an accident with the help of expanded Europrotokol.

However, so far insurance companies have become paused. As it became known, at the time on October 1, the Central Bank did not prepare (or prepared, but did not show the insurers) a number of important documents necessary in order to start working under the new rules: talking about the new tariffs themselves, the OSAGO form and the form of the application. Obviously, car owners will have to wait a few days to arrange insurance for new tariffs.

Earlier it was reported that in October, the OSAO will rise in price by 18-24%, and the maximum payment limit will grow to 400,000 rubles.

Insurance should rise in price - representatives of the government, State Duma and Central Bank came to such a joint decision. Already in October, the CTP will grow by 18-24%, and for April 2015 the second stage of the rise of the price is scheduled, but how much it will be large - until it is specified.

Representatives of the Central Bank have not yet given official comments, but, speaking in the Duma, Elvira Nabiullina (Chairman of the Central Bank) stated: problems in the OSAGO system were copied for years, for example, the base rate did not change over 11 years. Therefore, the amendments to the law are under consideration, but representatives of the State Duma are already expressing confidence that they will be accepted. Thus, it can be assumed that there are already major changes in the near future of car owners.

The maximum limit of property payments will increase from 120,000 to 400,000 rubles, and the base tariff of the OSAGO - by 18-24%. April 1, 2015 will increase the limit of payments for the life and health of victims in an accident - up to 500,000 rubles.

Insurance companies will be able to pay monetary compensation or organize the repair of a damaged car at their discretion. Also, in case of repair, they will be able to use a used spare part.

At the same time it is possible that the cost of the CTP will depend on the age of the driver.

The Russian Union of Motor Shovers (RSA) presented to familiarizing a new system of coefficients on the OSAGO. It provides 4 age-related categories of drivers and five categories defining driving experience. As a result of their overlay, it turns out 20 different groups, And each of them will have its own coefficient when calculating the cost of insurance of the CCAMA. What is interesting, this coefficient can be both boosting and downward.

The need to make changes to the existing system of increasing coefficients, representatives of the RC explain the fact that young and inexperienced drivers often fall into the accident, and pay for insurance on average not much more than those whose driving experience is measured by decades.

At the moment, there are rules according to which drivers are under 22 years old and those whose experience is less than 3 years old, pay insurance based on the increasing coefficient of 1.8. But 23-year-old drivers who manage the car 4 years are already under the action of the raising coefficients do not fall.

In the new system, a detailed classification of different groups of drivers will be used, the raising coefficient can maximize 2.52 and reduced coefficients. For example, if the driver's age is over 45 years old, and driving experience is 7 years or longer, then its coefficient will be less than one, (down).

The basic tariff of the OSAO before October 1 was equal to 1980 rubles. However, the cost of insurance depends also on several coefficients, which are determined by the characteristics of the car, driver's experience, the history of accidents and the territory of use.

• The payment limit is increasing for damage from 120,000 to 400,000 rubles.
• Canceled the total payment limit with several victims (160,000 rubles) and proportional payments - from October 1, 2014, on OSAgo, each victim will receive 400,000 rubles in the accident, and it does not depend on the number of victims
• In the same way, the limits of RSA compensation payments are increasing.
• When calculating compensation for damage to the OSAGO, the value of the maximum wear of the vehicle decreases with from 80% to 50%.
• "Unlimited" Europrotokol (payment within the sum insured of 400,000 rubles) in Moscow, Moscow region, St. Petersburg and Leningrad region. This rule works if you can provide photo or video data (call an emergency commissioner!) And GLONASS systems (or other navigation systems). In addition, according to this scheme, compensation of the OSAGO will be calculated for those car owners who have concluded a contract after October 1, 2014. If the accident is not confirmed by technical means (photo-video navigator), car owners may apply for a limit of 50,000 rubles.
• According to changes in the FZ 40 (compulsory insurance), insurance companies should lead their CASCO and Dago rules in full compliance with the new law in terms of the use of Europrotokol.

Changes in EuroMostocol in 2014

If accident occurred, it can be issued without the involvement of traffic police in the following cases:

• the harm is caused only to property (the harm of life or health is not caused);
• only two sides are involved in the road accident (it is allowed, including transport with trailers)

What is the changes here? Earlier, before making changes to the FZ "On compulsory insurance of civil liability of vehicle owners", with the participation of a car with a trailer with a trailer that three vehicles are involved in an accident.

PVE according to Osago

To prevent various violations, introduced a non-alternative ryv, what is it? Now the victim may come for the payment of the CTP exclusively into its insurance company chosen by them when buying insurance Polisa.. In turn, the insurance company does not have the right to refuse the car owner in the refusal to consider the payment of losses after the accident.

What concretely changed in the PVE on the CTP:

• you can not choose an insurance company for damages
• PVE works in case of harm only vehicle
• the presence of a trailer from the car does not increase the number of participants of TDP from 2 to 3

Do you have a refund of the PVE?

Increase in the size of insurance payments on the OSAO in 2014

Before making changes to the relevant federal law, Russia offered its car owners the lowest limit of insurance payments on the CCAMA. The amount of the limit of insurance payments in Russia was lower than in any European country, lower than in Ukraine and Belarus. For example, the limit of compensation for the property of one victim was no more than 120 thousand rubles. Of course, such small sum Often, lacked for the repair of the car by the post of traffic accidents, and the car owners were forced to buy a Dago policy to protect themselves from unexpected trouble.

Now the Limits of Payments on the OSAGO will increase

• 3.125 times the limit of payments in life and health increases;
• 3.33 times when paying for the property of a separate victim;
• with several victims in an accident, the limit on total payments is removed (if more than two cars suffered in the accident)

In digital terms from October 1, 2014, the payment limit in terms of compensation for harm to the property of victims of the accident participants is increased to 400,000 rubles. From April 1, 2015, the limit of compensation for the harm and health of each victim in an accident increased to 500,000 rubles.

Changes expected and pressing, but in order for these amendments to the law to be implemented, insurance companies will have to increase the CTP tariffs.

July 9, 2014 The Federation Council approved the Federal Law "On Amendments to the Federal Law" On compulsory insurance of civil liability of vehicle owners "(amendments to the CCEDo Law). Part cHANGES OF ACCO come into force on August 2, 2014, part from September 1, 2014, part from October 1, 2014, part from April 1, 2015, from July 1, 2015, from October 1, 2019

OSAGO 2014, what awaits us?

Changes in OSAO since 2014 they touched on many sections: increasing insurance sums, the order of changes and application of insurance tariffs, the procedure for circulation and size of payments for Europrotokol, the procedure for the payment of the payment, duties of the participants in the accident, the rights, duties and responsibilities of insurers, the timing of the payment, penalties, the possibility of repair on the CTP and the Procedure Its implementation, wear, payments for mutual fault, the procedure for determining the amount of damage, the procedure for determining the size of harm to health and the procedure for payments for the death of the victim

Insurance amount, liability of the Insurer insurer:

- Increased property payment limits: instead of 120,000 rubles. per victim, but not more than 160,000 rubles. - 400 000 rubles. For each victim, regardless of their quantity.

- Unlimited Europrotokol in Moscow, Moscow Region, St. Petersburg and Leningrad Region, subject to the insurer of photography or video materials and data of navigation systems (within 400 thousand rubles)

- increasing the limit of payments from 160,000 rubles. up to 500,000 rubles. For each victim (harm to health).

- an increase in the marginal payment of beneficiaries that have the right to receive payments on the death of the victim, from 135 thousand rubles. up to 475,000, 00 rub. Porovna at all.

These liability limits apply to legal relations arising from insurance contractsconcluded after entry into force Each of the provisions.

OSAGO 2014.

Accident without traffic police can be issued if

- harm caused only to property (no harm of life or health);

An accident occurred with the participation of 2 TCs, including transport with trailers.

Previously, the trailer was considered the third TC.

You can only contact (to their insurer)

The responsibilities of the accident participants have changed when making an accident in Europrotokol, responsibility for non-fulfillment of duties.

Changed size insurance compensation.

More information about the changes in the part of europropol on the CTP and the deadlines of the entry into force of individual provisions can be.

The procedure for applying for the payment of the CTP from 2014 (Article 12 of the Law on CTP and Article 14.1).

From August 2, 2014 If the victim has the opportunity to contact us (all the conditions are met: the harm is caused only by the vehicle, the responsibility of both participants is insured. Participated only 2 TCs), then it should only go to their insurer. Rights of choice B. this case He has no, he cannot contact the insurer of the culprit.

These provisions apply to all OSAGO treaties. Including prisoner before entering into force changes to the CTP law in 2014,if the validity period is not expired by this time.

The application with the application of documents stipulated by the OSAGO rules is sent to the insurer at its location. You can submit documents to personally or send by mail. You can also submit them to a representative of the insurer who is authorized to consider such requirements or to a representative who carries out direct damages (PDA).

In this way, the insurer cannot refuse to accept documentsIf you are submitting them not to the payment department, but in the head office of the insurer. Also can not refuse to accept documents if you are submitting them to a representative of the insurer, who, according to him, accepts documents only on the TWI.

Some insurers are rid of the victims now: send for 200 km. To handle a statement, if this happens not within the PWR. So now they will deprive this right.

The right to send a statement by mail with applications is fixed in law.

The list of representatives of the insurer with addresses, telephones, the mode of operation is necessarily attached to the CTP agreement under its conclusion.

Responsibilities of the DTP participants from September 1, 2014

The victim is obliged Provide a car for inspection (examination) within 5 business days after applying.

The culprit of an accident is obliged Provide your car to inspect the insurer at its request. However, the Insurer has the right to inspect the car of the culprit no later than 10 working days From the moment of receipt of the application of the victim with the appointment of the necessary documents.

The rights and obligations of the Insurer upon receipt of an application for insurance payments on the OSAO from September 1, 2014.

Insurer must report Contoved on missing documents for 3 working Days, having received an application by mail. BUT with the personal handling of the victim on the same day. A list of documents that are missing or not correctly decorated should be provided.

Before these changes, the insurer could not respond 30 days, and then send a refusal to pay. Especially when the documents were sent by mail.

The victim it is given the right to send documents by e-mail, but only for checking completeness. After that, in any case, you need to submit documents on paper.

Electronic circulation the insurer is obliged to consider and send an answer no later than 3 working days..

The insurer is obliged not only to organize an inspection or expertise (evaluation) within 5 working days from the day of the provision of property for inspection, but also get acquaintedwith inspection and examination results.

If the victim did not provide the property for inspection in the agreed date, the insurer agrees with the victim new date. Wherein has the right to extend the term For the payment for a period, no more than the number of days between the date of providing property for inspection and the agreed date. In general, no more than 20 calendar days (with the exception of non-working holidays).

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The insurer has the right to give the direction to repair the damaged vehicle, but not in the right to impose it.

The choice of a method for producing insurance compensation: repair or money - belongs to the victim. This is indicated in the statement for payment.

Wear TC.

From October 1, 2014 Payment is also made taking into account the wear, as before. In this case, the wear can not be accrued more than 50%

The cost of restorative repair.

The RF Bank must establish the procedure for determining the size of the costs of materials and spare parts, on necessary work, size of suitable residues.

Deadline for the payment of insurance compensation from September 1, 2014

The term for the payment of insurance compensation in 2014 is changed. Now the insurer is given 20 calendar days (with the exception of non-working holidays) from the date of receipt by the insurer of the application with the application of documents. During this period, payment should be made or issued a referral to repair (with an indication of the repair period), or a refusal is directed.

Penalty from September 1, 2014 (Art. 12 p. 21)

If the term is not compared to the payment or period of compensation in nature (repair), the insurer pays 1% of the "determined in accordance with this Federal law The amount of insurance payments due to harm caused to each victim "(literally).

Apparently, 1% of the amount of damage (by car).

In case of non-compliance with the term of refusal, the insurer pays the victim cash In the form of a financial sanction (such a definition in law) in the amount of 0.05% of the Insurance amount established by this Federal Law, due to the type of damage caused by each victim. "(literally). It must be assumed from the maximum amount.

These amounts should be paid by the insurer voluntarily at the request of the victim. The statement should indicate the form of calculations (cash or non-cash). With cashless form, details are indicated. No other documents insurer have the right to demand.

Control over the observance of deadlines is carried out by the Bank of the Russian Federation.

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Until that time, the liability limits of the insurer and the procedure for paying the previous one. According to ch. 59 of the Civil Code of the Russian Federation.

About changes.

The procedure for payment of insurance compensation with the responsibility of all participants for damage to an accident.

If all participants in the accident are found guilty of harm, then insurers make harm to consider the degree of guilt, established by the court.

If the degree of fault of the participants of the accident by the court not installedT. insurers are responsible in equal shares.

The victim has the right to make a requirement for paying any of insurers Drivers responsible for harm and not to contact everyone. In this case, the insurer, to whom the victim addressed, compensates for the harm caused by everyone, and then in the order of regression can receive compensation from other insurers.

Harm compensation is not an insurer (art. 12 p. 23).

The person who was indispensable to have the right to demand the victim's insurer (who was victim) payments in its favor. In this case, the provisions of the law regulating the relationship between the victim and the insurer are applied.

Independent technical expertise (Article 12.1)

The RF Bank must approve the rules for conducting technical expertise. A single methodology for determining the size of the recovery repair will be developed, which will include the procedure for calculating costs for spare parts, on the payment of works, wear, suitable residues, reference data on the average annual mileage of vehicles, the procedure for formation and approval of the directory of the average cost of spare parts, materials and norms of work when determining the size of the cost of recovery repair, taking into account the established boundaries of regional commodity markets (economic regions).

If the expert technology provided unreliable results and thus caused losses, then they must compensate them.

Judicial experts are also required to conduct an examination for a single technique.

The number of conditions under which the insurer has the right to present a regressive requirement for the accident of an accident.

It comes into force on September 1, 2014 and applies to contracts concluded after entry into force.

Added as follows:

- If the culprit of an accident will not direct his copy of the notice of an accident within 5 working days to his insurer, in the case of an accident of an accident in Europrotokol, then the insurer has the right to recover the amount paid in the regression procedure;

- The insurer may demand the return of the amount paid on the CTP, if the culprit of an accident began to repair or dispose of its vehicle before the expiration of 15 calendar days (not counting non-working festive);

- Regression is possible in the event that the culprit of the accident did not provide its TC to inspect the insurer at his request.

Changes in direct damages.

The Insurer on the PWR will not be able to refuse to pay in the exclusion of the insurer of the accident of an accident from the PWR agreement, with the revocation of the license and bankruptcy. In this case, he is obliged to pay insurance compensation, and then it is entitled to demand compensation from PSA.

Changes in concluding an insurance contract.

From September 1, 2014 At the conclusion of the insurance contract, a policy is issued or a motivated written refusal. About refusal The Insurer is obliged to report to the Bank of the Russian Federation and Rs.

From July 1, 2015, the possibility of concluding an OSAGO Agreement in the form of an electronic document will appear . In this case, no passport is required, certificate of registration of the vehicle, driver's license, diagnostic card. It is assumed that insurers will have access to these documents.

Order a policy in the form of an electronic document will be possible through the insurer's website with the provision of the necessary information. OSAGO rules will determine the list of these information. The application must be signed by a simple electronic signature for individuals and an enhanced electronic signature for Jurlitz.

Message in the statement of concluding a contract mandatory insurance insurance number His individual facial account It equates to the application, signed by a simple electronic signature of the insured.

But electronic Polis It cannot be issued if the information provided does not correspond to automated system, for example, the discrepancy between KBM.

At the conclusion of the OSAGO Agreement in this form, just a statement is sufficient. The insurer sends an electronic document to the insured after paying a premium.

The responsibility of the insurer for "lime" policies.

Now for the unauthorized use of the forms of the policies of the agents and brokers, the insurer is responsible.

Under unauthorized use it is understood as the transfer of the OSAGA policy form at least filled, even clean, for a fee or free without making data into an automated system.

If the harm caused when using such a policy, the insurer will be obliged to pay at the expense of its own funds.

The exception is the embezzlement of the forms, but subject to the appeal of the insurer itself, agent, broker to the authorized authorities before the date of the occurrence of the insured event.

Failure to the insurance premium for the policy of the agent or broker the insurer does not exempt the latter from the payment, including unauthorized use.

In these cases, after payment, the Insurer has the right to demand from an agent or a broker of compensation paid by the amounts, including expenses incurred in connection with the consideration of the demands of the victims.

Disputes with insurers (introduced Art. 16.1 ).

These provisions apply to legal relations arising after September 1, 2014

Installed mandatory pre-trial Appeal to the insurer with a statement about paying with the application of the necessary documents.

Prior to the presentation of a claim in disagreement with the amount, refusal, etc. Failure or not proper performance The insurer of their obligations, the victim is obliged to send a claim. For consideration, the claim is given by the law of 5 calendar days (with the exception of festive non-working).The pre-trial claim on the OSAGO is obligatory.

During this time, the insurer is obliged to either satisfy the claim, or send a motivated failure.

The law "On the Protection of Consumer Rights" applies to the victims and insurers, in terms of non-regulated law on OSAGO !!! The protection of their obligations associated with the improper performance or non-fulfillment by the insurer of their obligations. At the same time, the proper execution recognizes payment (not specified in what size!) Or the issuance of the repaired TC from the repair (no matter what capacity and at what time!)

An officially established a fine of 50% of the difference between the amount of damage determined by the court and voluntarily paid by the Insurer !!!

The return period of the insurance premium.

In case of non-compliance with the refund period, the insurer pays a penalty of 1% of the insurance premium for each day of delay in the insured physical lickBut not more than the insurance premium.

RSA.

It is obliged to provide information on the CTP and the Insurer agreement, which insured the responsibility of the accident of the accident, at the request of the owner of the TS, the victim.

Prior to the presentation of the claim for the RSa, preliminarily appeal.

Changes come into force on September 1, 2014.

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Do you want to go to court? Do you need a lawyer help?

Legal assistance and representative office in court.

Increased payment limit up to 400 thousand rubles.

From October 1, 2014, limits on the benefits of the victim property are increasing: from 120,000 rubles to 400,000 rubles for each victim.

From April 1, 2015, the limit increases the payment of damage to the lifestyle and the health of victims in an accident from 160,000 rubles to 500,000 rubles per each.

At the contract concluded before the entry into force of the amendments, the increase in the payment limit does not apply.

Changed the procedure for adding the victim

From August 02, 2014, amendments for direct compensation for losses (POW) were amended - the obligatory appeal of the victim for the payment to its insurance company, subject to the participation in the accident only two TCs, causing damage to only the vehicle, the presence of the OSAGA policy from both participants . The PWR applies to all existing contracts, even if they were concluded until August 2, 2014.

That is not subject to insurance

From September 1, 2014, a separate CTP Agreement for Insurance of Trailers is not concluded - the introduction of information and the surcharge for the insurance of the trailer will be made to the policy of the main vehicle. ACJECTICAL INSURANCE is not subject to insurance, Sunny and others. Uncomplete technique.

Eurobotocol innovations

Europrotokol: Without a call, traffic police can be issued an accident if it happened with the participation of no more than 2 TCs and the harm of the property (there is no damage to life and health). The Europrotokol limit increased from 25,000 rubles. up to 50,000 rubles. This provision will apply for drivers who have acquired the CCAMA policy after entering into legal amendments.

From October 1, 2014, the limit of the responsibility of SC on the OSAGO during the design of the accident in Europrotokol increases to 400,000 rubles, subject to the provision of photos or video materials, the data of the GLONASS system.

Changed the deadline for the provision of a vehicle

From September 1, 2014, the victims of the victim enters the vehicle for inspection or examination on time no later than 5 working days from the date of application. In case not the provision of a car in set timeThe insurer can extend it, the period of payment is extended during the period of delay in the provision of the CU for inspection. The accident culprit provides a vehicle for inspection at the request of an insurance company that is produced no later than 10 working days.

In the case of any deficiencies in the documents submitted, the insurer reports the victim on the same day if the documents are filed at the reception and within 3 working days if they are received by mail.

The victim can send documents via email, but with mandatory subsequent provision of them on paper. The duration of the response to the above electronic circulation - 3 working days.

Insurance company is obliged to familiarize the victim with the results of the inspection of its TC.

Vehicle wear accounting

The Bank of Russia should approved the Unified Methodology for Independent Technical Examination.

Reduced term of payment of OSAGO

Decreased period for the payment of insurance compensation up to 20 days (excluding holiday weekend) from the moment the application and the full package of documents is submitted.

Installed a penalty for the delay of insurance payments

Installed a penalty for the delay in the insurance payment - 1% of the amount to be paid. For the delay in issuing a refinement, a penalty of 0.05% of the sum insured is introduced. 50% penalty from the difference between the damage paid and to be recovered in court.

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