Changes in the CTP from June 1. The Central Bank has unveiled new CTP rates. Glonass and software

The first steps in changing the OSAGO system are planned for June 1, 2018. In general, they will be aimed at simplifying the procedure for registering an accident and at minimizing the participation of traffic police officers in this. Time will tell whether these innovations will be effective.

Changes in CTP from June 1, 2018: "temporary franchise" for electronic CTP

The Central Bank issued an instruction on the introduction of a "temporary franchise" for an online OSADO at the end of last year. Thus, the policy issued via the Internet will be valid after 72 hours.

For policies issued in the usual way, such a franchise has always existed, but when creating electronic OSAGO this moment was missed. The most resourceful and dodgy drivers took advantage of this omission and, having already got into an accident, managed to get a policy through a smartphone. Now this practice is in the past.

Changes in CTP from June 1, 2018: errors in e-CTP will have to pay extra

The Supreme Court upheld a ruling that insurance companies can collect premium underpayment from drivers who take out a policy online. The thing is that in order to reduce the cost of the policy when buying e-OSAGO, some drivers entered deliberately false data about themselves and their vehicle. Previously, if a deception or mistake (this also happens) was exposed, the proceedings took place in court, the insurance contract was simply declared invalid, and the injured party could not obtain compensation. Now, Insurance Company will pay everything that is obliged, but, most likely, will recover this money from the culprit of the accident by recourse. If a deliberate deception or an accidental mistake is discovered before the accident, then the owner of the OSAGO will simply pay the difference.

Changes in CTP from June 1, 2018: changes in payments under the Europrotocol

The maximum amount of payments under the Europrotocol has grown from 50 to 100 thousand rubles. on any vehicle. But for residents of Moscow and the region, and St. Petersburg and the Leningrad region, the amount cannot exceed 400 thousand rubles. for each vehicle.

Having received payment under the Europrotocol, you cannot present additional claims to the insurance company in the amount of more than 100 thousand rubles. (and 400 thousand rubles for Moscow and Leningrad regions). Example: you received compensation from an insurance company in the amount of 55 thousand rubles. If you believe that the damage exceeds this amount, then maximum amount the claim against the supplier of the OSAGO will be 45 thousand rubles. Everything from above must be recovered from the perpetrator of the accident in court.

If the accident was registered under the Europrotocol, and the participants in the accident had disagreements about the causes of the accident or the nature of the damage, then in order to receive compensation, all these nuances must be recorded in the protocol. In this case, specialists must take readings from the vehicle's sensors with special control means that ensure the fixation and transmission of data using GLONASS or use special applications for smartphones.

Changes in the CMTPL from June 1, 2018: if both vehicles participating in the accident have CMTPL

From June 1, if both vehicles involved in an accident have an OSAGO policy, the damage caused does not exceed 100 thousand rubles. for each vehicle, and there is no threat to the life and health of passengers, such an accident must be filed without calling the traffic police. In this case, the incident will be registered according to the Europrotocol and recorded in the accident notification. This notice is issued in 2 copies and must be submitted to his insurance company by each driver within 5 working days. The notification form must contain information about the presence or absence of disagreements about the nature of the damage and the cause of the accident between the parties. The injured party immediately attaches a claim for damages.

The bodies of the Ministry of Internal Affairs of the Russian Federation, at the suggestion of the Government of the Russian Federation, plan to change the procedure for registering accidents in the absence of victims, within which the traffic police will not come for registration, and the participants in the accident will be required to remove cars from the roadway, fixing vehicles using the ERA-GLONASS satellite system or special smartphone application.

New rules for registration of an accident on June 1, 2018: How will everything work?

On June 1, 2018, in Russia, the conditions for registering car accidents under the European protocol changed (registration of an accident without the participation of traffic police officers). These conditions are governed by amendments to the law "On OSAGO" that come into force on June 1, 2018.

As a result, the bodies of the Ministry of Internal Affairs are in a hurry to change the current traffic rules so that they do not contradict the new federal law, which amended the law "On OSAGO".

The thing is that, according to the amendments to the federal law "On OSAGO", from June 1, 2018, if in an accident only property is damaged, the drivers are OBLIGED (yes, they are OBLIGED) to free the carriageway if, as a result of the location of the participants in the accident create an obstacle for other road users on the road. That is, a hindrance, due to which, as a rule, a huge traffic jam is formed.

True, before removing cars from the roadway, the participants in the accident must record the fact of the accident and transfer the data about the accident to the unified information database of OSAGO. The driver can do this with the help of various technical means of control.

According to the current legislation, such technical means must provide prompt receipt data that cannot be corrected. For example, such information can be transmitted using the ERA-GLONASS system, which is now equipped with all new cars available for purchase in the country.

Including if the cars do not have the ERA-GLONASS system, the participants in the accident are required to record the accident and transmit data about it using a special application, in which there is also no possibility of data correction. The app must be installed on a smartphone or tablet.

Please note that a year ago, the application promised by insurers that automatically records road accidents has not yet been released.

But what if the drivers who have been involved in an accident do not have an ERA-GLONASS button or a phone with a special application in their car? Does this mean that each driver will be obliged to buy a smartphone and install a similar application or equip the car with the ERA-GLONASS system?

Of course not. According to the amendments to the law "On OSAGO" that come into force on June 1, 2018, drivers who do not have technical means or software before removing cars from the road, MUST commit with the help of photography or video recording (or in any other available way) the position of the vehicles involved in the accident in relation to each other. Also, drivers are required to fix cars so that traces and objects directly related to the accident, and all damage directly are visible. Vehicle(traces of braking, splinters, flying off car parts and components, broken road signs, missing road signs / markings, etc.).

How to register an accident according to the European protocol from June 1, 2018?

Earlier, in order to register an accident according to the European protocol, it is necessary that the maximum damage to the injured car does not exceed 50,000 rubles. An indispensable condition was the absence of victims in the accident or if no more than two cars were involved in the accident. In particular, there were no disagreements between the participants in the accident.

Today, road traffic accidents must register accidents on their own, without the participation of traffic police officers (Europrotocol), even if there are disagreements, and also if the amount of damage does not exceed 100,000 rubles.

In the cities of federal significance Moscow, St. Petersburg, Moscow and Leningrad regions, an accident according to the European protocol can also be filed without the traffic police by participants in an accident in which the amount of damage does not exceed 400,000 rubles. True, in this case, the participants in the accident are obliged to fix the car using the GLONASS satellite system and transfer information about the accident to the unified database of insurers (this is exactly what the unified automated service ERA-GLONASS does), which is now located in all new cars available for sale in the country. Including participants in an accident can record an accident using a special application installed on a smartphone or tablet, which does not allow correcting the recorded data.

Is it possible to leave the scene of an accident?

Yes, according to the amendments, both to the law "On MTPL" and amendments to the current traffic rules, from June 1, 2018, road traffic accident participants have the right to leave the scene of the accident in the following cases:

• No casualties in the accident;
• Registration of the accident is not required due to minor and inconspicuous damage (of course, in the absence of disagreements between the participants in the traffic accident);
• The registration of the accident was carried out according to the European protocol (registration of an accident without the participation of the traffic police).

Including the place of the accident, you can leave if the police officer on the spot or when communicating with the participants in the accident by phone decided that the road traffic accident can be filed at the nearest traffic police post or directly in the traffic police department. Here we are talking about a situation when the participants in the accident decided not to file the accident according to the European protocol and called the traffic police to the scene of the accident. If no one was injured in the accident, then the traffic police from June 1, 2018 may not come to the registration at all, inviting the participants to drive up to the traffic police post or to the traffic police themselves, reminding them of the obligation to first fix the position of the cars in a photo or video.

What pitfalls are there in the proposed amendments to the traffic rules?

On the one hand, such amendments may make life easier for some motorists. But, as it seems to us, they simplify the life of the traffic police officers. The fact is that the majority of motorists will still, from old memory, call the traffic police crew to the scene of the accident. And first of all, this is not even because of ignorance of the laws, but simply because of the fear that in case of any wrong actions, the insurance company will refuse to compensate for the damage.

From June 1, payments for OSAGO will increase, mobile operators will block subscribers whose identity cannot be verified, and new markings will appear in Russian cities. What will change in the life of Russians from June 1 and what changes in the law come into force, read our section "Questions and Answers".

From June 1, 2018, payments for compulsory motor third party liability insurance will increase when registering an accident under the European protocol. This means that from the beginning of the summer from the insurance company you can get not 50 thousand, but 100 thousand rubles.

Also, from June 1, the European protocol can be issued without the consent of the participants about who is the culprit of the accident and about the circumstances of the accident. However, there is a condition: drivers can record data about an accident (the place and the collision itself) using a car DVR with GLONASS navigation or using a mobile application through which you can check the validity of policies and take pictures of cars and their damage at the scene of the accident.

In the event that it is not technically possible to fix the disagreement, the traffic police must register the accident.

Anonymity on the web

From June 1, mobile operators will block subscribers whose identity cannot be verified.

From June 1, mobile operators will have to turn off the phone numbers of customers whose identity they cannot identify.

Cellular companies must know the last name, first name, patronymic, date of birth and the details of the client's passport. It is important that the law affects not only new treaties, but also those that were concluded before the amendments entered into force.

According to experts' forecasts, almost 20% of subscribers will be deprived of the opportunity to use their mobile number. In particular, we are talking about those people who use hand-bought SIM cards and corporate tariffs.

Personal finance

Amendments concerning personal finance... For example, passbooks and savings certificates ( security, confirming the amount of the individual's deposit). Not all, but only unnamed, where the owner is not indicated. Pensioners who have personal savings books will be able to use them further.

Savings certificates will also be inscribed only, with no exceptions. In addition, they will be included in the deposit insurance system.

Such measures are necessary in order to effectively combat corruption and the financing of terrorism, said in explanatory note to the bill.

New markup

In Russia, from June 1, 2018, a new standard will come into force in cities, according to which road markings can be of different colors. Areas that cannot be overtaken may be highlighted in yellow. The traffic lanes at intersections are blue.

The new designations will help road users not to miss the reversal zone or the ban on entering the intersection.

The innovation comes into force on June 1. But this does not mean that new markings will immediately appear on all roads in all cities of Russia.

In Barnaul, the issue of new markup has not yet been resolved.

Medical aid for children

On Children's Day, the work of the Ministry of Health begins to implement target program on the development of the material and technical base of children's polyclinics and polyclinic departments. Basically, the money will go to the purchase of new devices and equipment. Special attention should focus on disease prevention and early detection of health problems. Also, the emphasis will be placed on the rehabilitation of children who were born in new perinatal centers.

It is important that so-called lean technologies will be introduced in all children's polyclinics within the framework of the Lean Polyclinic project. This is an appointment via the Internet, receiving tests without a queue, implementation electronic cards etc. A complete refurbishment is planned for 2020.

Air code

Important amendments will come into force on June 4: airborne dealers will not be allowed on board the aircraft. In other words, airlines will have the right to refuse flights to people who behave inappropriately on board the aircraft.

Such passengers will be entered into a special register. And they may be denied the right to fly at the time of ticket purchase. The airlines simply won't sell it to them.

The sanctions are not lifelong, they only last a year. After this time, the person cannot be denied a flight.

Biometric data

Bank clients will be identified using biometric data. The law comes into force on June 30. The law will allow remote identification of a bank client - an individual using his biometric data and information about him contained in the unified identification and authentication system (ESIA), writes TASS.

This will allow financial institutions open accounts for a bank client (individual) without his personal presence, that is, via the Internet.

Product labeling

From June 1, the Traffic Light project for product labeling will start working in Russia. At the first stage, it will be voluntary, it will be gradually introduced for different types food products. The markers will appear primarily on ice cream. On the rest of the food, color marks will appear as they are cooked.

"Labeling of products suggests in red, yellow and green how much the food complies with the principles of healthy eating," writes TASS.

Today, amendments to the law on compulsory motor third party liability came into force, concerning registration of accidents without calling the traffic police. As they say, according to the Europrotocol.

Now the victim in such an accident for compensation of up to 100 thousand rubles. Until today, the limit was 50 thousand. At the same time, the average payment for OSAGO has long exceeded 50 thousand rubles. Last year it was at the level of 75 thousand rubles. For the first quarter of this year, thanks to the introduction of compensation in kind in the form of damage, it was reduced to 64 thousand rubles. But it still exceeds the limit in force until today.

Anyone who had an accident after June 1 will be able to take advantage of the new limit. At the same time, it does not matter when they purchased the CMTPL policy. Those who had an accident, for example, on May 31st, will be able to count on a payment of up to 50 thousand rubles.

Another innovation. From now on, mutual agreement on the circumstances of the accident is not required. Recall that in order to register an accident under the Euro Protocol, only two cars, the drivers of which are insured under OSAGO, should be involved in an accident. At the same time, there are no injuries and no damage to third parties. Until now, there was a requirement that there should be no disagreements among the participants in the accident on the circumstances of the accident.

From now on, this consent may not exist. But then another condition will be required: the car must be equipped with a GLONASS-based system, which allows you to transfer uncorrected information about an accident to an automated one. information system OSAGO.

Or photographing the scene of an accident and damage to cars should be carried out using a special mobile application, which will also independently transmit uncorrected information to the AIS OSAGO. The problem is that only a few have corresponding devices in the car. As for the application, it still doesn't work. The central bank has not yet developed requirements for it.

The Russian Union of Auto Insurers promises to launch this application in the near future.

And if there are no systems in the car, no application, then in order to issue the Europrotocol, the consent of the second participant is still required in the circumstances of an accident and damage to the car. Otherwise, you will have to call the traffic police.

We also have an unlimited Europrotocol. But only in four regions: Moscow, Moscow region, St. Petersburg, Leningrad region. If an accident occurred in one of these regions, then in order to use the unlimited Euro protocol, technical devices will also be required or mobile app, and lack of controversy.

And those who will buy SIM cards from their hands risk being left out of the access zone, and no one will return the money that remains on subscriber accounts when the card is canceled. After all, these cards are not registered with you, but, as a rule, with a certain company. And they are often used for various crimes and fraudulent schemes. This is where the struggle begins. But if you are a good citizen and bought the card before June 1, 2018, you can legalize it.

There has long been a requirement for the identification of subscribers: cellular operators must sell SIM cards only upon presentation of a passport. But until now, SIM cards are sold "all". In April this year alone, the illegal sale of more than 1.4 thousand "gray" SIM cards was suppressed. They were sold without concluding an agreement and an identity document, the Roskomnadzor noted.

There were also workarounds that made it possible to use anonymous SIM cards. The first is the distribution of "gray" cards through corporate tariffs issued to fly-by-night firms (70 percent). The second is the use of cards issued for dummies (30 percent). Those who bought such SIM cards could not change the operator, neither make a claim to the mobile company, nor change the tariff, nor use services, including banking services.

Those who have been using the number for a long time are interested in keeping it with him. The law enables the subscriber to come to the salon and log in. The operator has no right to refuse this.

"Gray" SIM cards will be out of the access zone, and money on subscriber accounts will not be returned to anyone

However, it is worth knowing that the cellular company is obliged to stop providing communication services by order of Roskomnadzor, if during the check it turns out that the SIM card is "gray". And the cellular company will not be able to confirm the correspondence of personal data in its database with the data of actual users within 15 days.

Illegal SIM card can be blocked in case of prevention and suppression of crimes using communication networks and means of communication.

It turns out that it is now impossible to use such cards anonymously. Services mobile communications are provided only to those subscribers, reliable information about which is provided to the operator, reminded in Roskomnadzor.

The department also clarified how the verification of the accuracy of information about the subscriber will take place. It can be conducted through unified system identification and authentication (ESIA), through the information systems of state bodies, if the operator has a connection to such systems through a unified system of interdepartmental electronic interaction.

The subscriber himself will have the opportunity to identify the SIM card not only by his passport, but also through his Personal Area on the portal of public services, through the ESIA. Thus, for legal users, access to mobile services will be greatly facilitated, and a reliable barrier will be put on the path of illegal distribution of SIM cards.

What changes in the Tax Code

Since June, banking transactions with precious stones are subject to VAT (18 percent), since such transactions are now considered non-core for credit institutions... The law refers to precious stones as natural diamonds, emeralds, rubies, sapphires and alexandrites, natural pearls in raw and processed form, unique amber formations, explained Alina Basyrova, a lawyer in the dispute resolution practice of Eterna Law.

Another innovations provide for the possibility of collecting tax debt from depersonalized metal accounts(OMS). That is, if a property tax debt has accumulated, then collection can be turned to the obligor's compulsory medical insurance in the absence of other accounts. The procedure takes place through the courts, said Sergei Kolesnikov, head of the tax practice of the Intellectual Capital law firm.

From June 4, come into force, which give airlines the right to deny flights to passengers on the "black lists" of carriers for a whole year.

They will be conducted by each Russian airline, bringing in everyone who scandals on board and does not follow the orders of the commander. For example, does not wear seat belts, uses a mobile phone during takeoff and landing, drinks alcohol brought on board, tries to smoke. The latter can be interpreted as an action that threatens the safe operation of the aircraft. After all, careless handling of fire can cause a fire on board.

Troublers also run the risk of being punished for disorderly conduct.

Those who are on the "black list can say goodbye to air travel for a year. The carrier will not sell him tickets for its flights. But the passenger can prove that he is not guilty or that he was provoked by the airline employees themselves into such illegal actions. But this is already - through the court.

If the court recognizes that the passenger is still guilty, then no more than 30 days from the date of receipt of the decision or the conviction of the appeal, the rowdy will be included in the "black list".

But there are exceptions. For example, if a person cannot return to their place of residence in any other way, as on a flight of this airline, then they will be allowed on board.

Similar "black lists" can be introduced on the railway. This is now being actively discussed in the industry. They will operate on the same principle as in aviation. They plan to include the brawler in a special register, but it will be non-public, as in aviation.

On June 1, 2018, amendments to the federal law dated April 25, 2002 No. 40-FZ "" (hereinafter referred to as the Law on Compulsory Motor Third Party Liability Insurance) and concerning a simplified procedure for issuing documents on road accidents without the participation of authorized police officers (European protocol) (Federal Law dated December 29, 2017 No. 448-FZ " ").

Limit size insurance compensation according to the European protocol increased to 100 thousand rubles. (earlier it was 50 thousand rubles). At the same time, for Moscow, St. Petersburg, Moscow and Leningrad regions, the limit remained at the same level - 400 thousand rubles.

Registration of an accident under the Europrotocol within 100 thousand rubles. now it is possible even in cases where there is disagreement between the participants in the accident about the circumstances of the harm (previously, only in the absence of disagreement). To do this, drivers need to record the circumstances of the accident and transfer them to the automated information system of OSAGO (through the provided technical means of control or software).

Similarly, it will be necessary to record the circumstances of an accident that took place on the territory of Moscow, St. Petersburg, Moscow or Leningrad regions, in order to obtain insurance compensation within 400 thousand rubles. At the same time, this increased limit of the European protocol is applied only if there are no disagreements among the participants in the accident ().

In the accident notification form, it is now necessary, among other things, to indicate information about the absence of disagreements regarding the circumstances of the damage, the nature and list of visible damage to vehicles, or - when issuing a Euro protocol within 100 thousand rubles. - on the presence and nature of such disagreements.

The listed rules for paperwork apply to accidents that occurred after June 1, 2018.

During the period of validity of the OSAGO agreement concluded before June 1, 2018, drivers can fill in the notification of an accident on the notification form that was valid until the specified date. In this case, disagreements (if any) regarding the circumstances of causing harm in connection with damage to vehicles as a result of a road accident, the nature and list of visible damage to vehicles, their presence and essence will need to be indicated in paragraph 7 "Note" of the reverse side of the notice about the accident.