Application in the RGS on the restoration of KBM. Step-by-step instructions, how to return money for the wrong CBM on the OSAGO, and a sample application for refund. Return bonus when changing personal data

Why do you need to restore KBM?

Based on the fact that the Bonus Malus coefficient provides a discount discount associated with a trouble-free ride, as well as the lack of payments in favor of third parties from the insurance company, the actions to restore this parameter are aimed at returning an overlaid amount.

For example, you can consider the situation in which the car is planned to insure with the engine capacity of 140 L / s, 2011 issue registered on the territory of St. Petersburg. Using the OSAGO calculator, indicating the initial value of the KBM (Class 3), one can see the final amount of insurance more than 10 thousand rubles.

When entering similar data and changing the indicator of the Bonus-Malus indicator to the one that should be based on driving experience, as well as trouble-free driving (class 13), the calculator will display the real amount of the insurance premium - about 5 thousand rubles.

Erroneous information in the information system of insurers is the cause of a significant overpayment for the execution of the policy. In these cases, the restoration of the value of the coefficient will allow the applicant to get a legal discount for trouble-free driving.

How long will it go to the procedure?

You can get information about the CBM, you can send the appropriate request to the insurer. If the requirement is sent using online services, then the insurer's response must be expected within 10 days. Subject to the direction of the application by mail, then by this time the period is added during which the shipment occurs.

Then, received from the insurance company, the answer to the aggregate with a statement about the change in the coefficient must be sent to the Central Bank. This is done by registered mail to the address of the Central Bank. Depending on the applicant's location, the shipment time will take up to 10 days. According to the application, the appropriate decision will be made. For this, the central bank has 30 days. Within 15 days after the positive decision, the Central Bank will take measures to make changes to the information system, which the applicant will be reported in writing.

Thus, from the moment of checking the information on the site of the insurance company, it will take about 50-60 days or about 2 months, taking into account the features and speed of the postal shipment.

Why the CBM information is lost

The cost of insurance can be overestimated in situations where data on the size of the CBM is incorrectly or lacking information on the real duration of the trouble-free driving. This is due to the following reasons:

1. Human factor. For example, if the driver earlier managed the vehicle, but he was inscribed in the policy of the Osago his relative or acquaintance. In this case, with re-registration of insurance, information about the trouble-free drive relative to the driver may be lost. If the representative of the insurance company cannot find information about the value of the CBM, then it applies the standard indicator - class 3, which corresponds to the coefficient 1. This suggests that the driver does not receive advantages and legal discount when making insurance.
2. When replacing a driver's license. If you do not send an application to the CC, then the calculation of the cost of the policy will be made with the fact that a person has no way of driving.
3. The insurer did not send information about the policyholder to the RSA base, which led to the use of increased Bonus Malus.
4. Enter incorrect personal data. If the procedure for transmitting information about the policyholder was observed, but there is an actual error, for example, the year of birth or patronymic is incorrectly specified, this will lead to the OSAGO discount will not be provided due to errors in the information presented in AIS.

In what cases does the CBM change are not an error?

The value of the coefficient may vary in the following cases:

• Since the last design, OSAGO has passed more than 1 year. In this case, the KBM is reset. This is due to the fact that in the norms of the current legislation it is envisaged that a discount for trouble-free driving will be charged only in cases where the driver's insurance experience is continuous.
• The Bonus Malus rate will also change in a situation where the CTP is concluded for up to 1 year, i.e. There was a break in civil liability insurance.
• The change in information in the AIS will occur when entering the policy information about the new driver.
• Registration of the policy designed to use the vehicle by any driver (unlimited insurance).
• Osago is drawn up on another car. For example, if the driver previously insured the same car, pointing to the restriction of the right to control only them, when changing the car, the CBM is resetting, which leads to the appreciation of the sum of the insurance premium.

In these cases, the change in Bonus Malus is reasonable, associated with a feature of the conclusion of the CTP treaties.

How to restore KBM if the insurance company is liquidated?

If it is impossible to send the requirement to change the CBM to the insurer due to its liquidation or declaration of bankrupt, the applicant can protect its rights when interacting with RSA. This organization is an intermediary between insurers and insurers, possessing the necessary legal instruments for adjusting data to AIS.

To do this, it is enough to write a statement in the RC, which indicates the actual circumstances of the case, as well as the requirement to change the coefficient. It will be discussed within 30 days. During this period, the RCA will be studied the CTP agreements that were previously concluded against the insurer, and will also be concluded about the driver's trouble-free. With a positive decision of the Rs, the new CBM information will be displayed in AIS.

Output

The recovery of the CBM is a way to obtain a legitimate discount in the event of a trouble-free driving during the entire period of action of the CTP agreement. For various reasons, information about the Bonus-Malus coefficient can be lost or distorted. The sequential actions of the policyholder to protect their rights will cause changes to the information base of insurers, where all information about the driver is contained, which are used to form the value of the CTP agreement.

The restoration of the coefficient under consideration can be produced as the forces of the person whose rights are violated and through the mediation of insurance brokers. The latter for remuneration is ready to provide a wide range of services. When interacting with public authorities, which are involved in the field of insurance business, it is necessary to spend a certain amount of time. In general, the deadline for making changes to the AIS does not take more than 2 months from the date of receipt of information on the incorrect amount of the coefficient.

If we missed something in this article or did not fully revealed the topic, write in the comment, we will add an article and answer questions. There are many discussions on DRIVE2.RU in this branch and on banki.ru in this thread.

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The cost of the policy of OSAGO for a particular car owner, among other factors affects KBM - Bonus-Malyus coefficient. It is used when calculating the insurance premium on the OSAGO and depends on the number of accidents and insured cases in the previous year of insurance. The more accidents and appeals for insurance payments on the OSAGO, the worse than the CBM and more expensive the policy of the OSAGO next year. If there was no insured event during the year, the KBM is improving, and the CTP is cheaper.

More precisely, it should be cheaper. For a number of reasons, sometimes drivers have to correct their class on KBM to get a discount on the CTP. KBM can reset when replacing the driver's license, changing the name, as well as the fault of the insurance, which decided to sell the policy of more expensive in the hope that the driver will not notice anything. On the Internet there are several services for the rapid restoration of KBM. But why pay, if you can do everything yourself - quickly and free?

How to restore the CBM for free on OSAGO?

1. We check the applied KBM on the website of the Russian Union of Autogueschikovshchikov (RSA).

You can find out your KBM according to the name, date of birth and details of a driver's license on the public and free service of Rs.

If you have changed insurance companies and do not know exactly at what stage your right CBM, you will need to consistently check several of its recent policies.

2. Apply to the insurance company to restore KBM.

Since December 2015, the order of recovery of KBM is simplified. For this, it is enough just to fill out the statement in the insurance company itself. Many insurance even acquired special services on their sites to send statements to correct CBM. If your insurance company does not have such a service, you can apply in writing (in person personally for a mark or send by registered letter with the notification) or clarify the procedure for submitting applications for CBM on the hotline.

Services of large insurance companies for the restoration of KBM

What to ask for an insurance in a statement to restore KBM?

• Restore class kbm - briefly explain what should be and why. For example:
  The previous policy of OSAGO was decorated in the insurance company A. At the date of commencement of the action of the policy, I had 2 CBM class with a coefficient of 1.4. During the entire term of the policy, there was not a single insured event (a certificate from the insurance company and attached). Therefore, on the basis of the instructions of the Bank of Russia of September 19, 2014 No. 3384-y at the end of the insurance period, I had to be assigned class 3 with a coefficient 1. Despite this, when the current policy of the CTP, your insurance agent unreasonably applied the coefficient of 1.4.
• Make recalculation of the insurance premium in the policy number ______ and return overpay In the amount of _____ rubles to my bank account (specify details).
  Calculate overpayment can be considered using the OSAGO calculator on the RS website.
  Example of wording:
  As a result of the use of the wrong CBM, the cost of my policy of the CTP was ______ rubles. If the policy was initially decorated with faithful KBM, its cost would be _____ rubles. Thus, due to the incorrect KBM, the insurance premium in my policy of OSAGO is overestimated by _____ rubles.
• Make appropriate changes to the insurance policy - Within 2 business days.
• Transfer new data to the AIS base - Within 5 business days.

What to prove the need to correct KBM?

• previous policies on OSAGO;
• certificates from insurance companies about the absence / number of insurance cases in the policy;
• documents about changing the name (passport with data on previous issued passports, certificate of marriage or marriage or termination, etc.);
• documents about changing the driver's license (a copy of the old and new in / y).

What if the insurance does not correct the CBM voluntarily?

In this case, you need to submit a complaint to the Central Bank (Bank of Russia). It is the Central Bank that has the authority to control the correctness of the calculation of insurance premiums under the OSAGO treaties. You can submit a complaint to the Central Bank of the Russian Federation through the Internet reception. In the complaint, you will need to describe the circumstances - when, in which insurance company, with which KBM you did the policies, which accidents were during the insurance period. You will also need to mention that your application in the insurance company was left unanswered. To the complaint in the Central Bank, attach scans of documents proving the need to correct the CBM, as well as the application you previously submitted to the insurance and its response (if any).

Do I need to contact the RC with a complaint about the wrong KBM?

It's not obligatory. The fact is that RSA cannot make corrections to the AIS base. Correct data on CBM in the database can only the insurance company itself can. If desired, submit a complaint to the RCA via the Internet. Also in the RCA should be treated if you need to court official confirmation of your class on CBM in the AIS basis on this or that date. In a complaint in the RC, you must specify the name, date of birth and data of driver's license. The complaint will also need to make a driver's license scan. Blank complaints in the CBM in Rs can be downloaded. Email RSA for the direction of complaints in the scanned form - [Email Protected]

How to return overpays for the CTM because of the wrong KBM?

If the insurance did not return money and / or reported his refusal, you can recover overpays. In a statement of claim, you can demand not only the money paid to the insurance premium, but also compensation for moral damage, as well as the "consumer" penalty according to claim 6 of Article 13 of the Law of the Russian Law "On the Protection of Consumer Rights" *. Of course, you can apply for the compensation of all court costs, for example, to draw up the claim and payment of the lawyer's services.

* In the Federal Law On the OSAGO, the fine is provided only on disputes about insurance payments. Judicial practice for the recovery of "consumer" fine for CBM cases is ambiguous, as well as practice to recover a penalty on the basis of the law "On the Protection of Consumer Rights". In any case, you can try to declare the claim for a penalty and fine. Perhaps the court considers them reasonable and satisfy.

How to determine the right class on KBM?

For this, there is a class table in the direction of the Bank of Russia No. 5000-y dated 04.12.2018 (until January 9, 2019, the Bank of Russia No. 3384-y dated 09/19/2014 was operating). In the period from April 1, 2019 to March 31, 2020, coefficients are applied on the table from Appendix 6 to the indication of 5000-y. You need to know your KBM at the start of the action of the policy and the number of insured cases during the term of this policy.

Everything is extremely simple if your policy is discharged per driver. For other cases, the nuances are prescribed for other cases:

• if the CPP policy is decorated for a limited number of drivers, You need to check the CBM class for each driver. When calculating the cost of the policy, the largest class will be taken into account;
• if the policy is decorated without limiting the number of drivers, admitted to control, the class on the CBM is determined by the owner of the machine;
• if you have not been insured for more than a year on OSAGO, CBM is reset. When making a new policy after a break, more than a year should be assigned 3 class KBM with a value of 1;
• in the presence of several insurance payments on the same insurance case, all these payments are considered to be one insurance refund (i.e. should be taken into account in the KBM as 1 insured case).

How to influence insurance so that it takes into account the faithful KBM immediately when making the policy?

• When changing the surname, a driver's license from any of the drivers inscribed in the policy, immediately, in writing, inform the change in the data into the insurance company, which issued the current policy of the CTP. Insurance will be required to make current data about you at the AIS base within 5 working days.
• When changing the insurance company, take the former insurer a certificate with information about your insurance. Based on paragraphs. Her employees will be required to verify the data provided by you with information in AIS. When information discrepancies, priority in most cases should be given to the data provided by the insured.

Insurers and motorists call him "Class of the Insurer" or "Driving Class". And this is explained, trouble-free ride for several years, undoubtedly, is the result of the driver's experience gained, his professionalism, the ability to respond quickly to road situations.

The driver's class corresponds to the fixed value of the coefficient. The beginner driver is assigned 3 driving class and when calculating the insurance premium, the CBM is applied to 1. Each year without accidents increases class 1, and reduces the coefficient by 5%. Thus, for 10 years of successful driving without mounted faults in road accidents, the driver receives a discount on the cost of the CTP in the amount of 50%, which corresponds to the 13th class of driving.

One accident during the insurance year is capable of lowering from 1 to 5 values, and the Bonus-Malus coefficient to increase to 55%.

The minimum value of the indicator can reduce the cash costs on the CCAMA 2 times, the cost of 2.45 times occurs (on how to calculate the CCM, written).

When can it be restored?

The class of the insurer is assigned to the driver in the next design of the mandatory insurance of autocarted responsibility. The calculation is carried out on the basis of data that were used to determine the price of the CTP in the outgoing insurance. It is at this moment that the question arises on the use of a downward coefficient to determine the cost of insurance.

Take advantage of our online calculator to calculate OSAGO online - compare prices in various insurance companies. Save from 1,498 to 3 980 rubles, as the base rate may differ by 20%. No need to go to the office - you will receive an insurance policy on your e-mail

Causes of zeroing or distortion

Individual information about the driving class assigned by motorist is stored in an automated information system (AIS). CBM systems are available to all insurance companies. If when checking the CBM, a non-compliance of the current coefficient is detected, the possible causes of discrepancies should be considered:

Actions aimed at restoring the Bonus Malus coefficient depends on the cause in which the value of this indicator was reset or has an overestimated value.

RSA organized the process of restoring the coefficient important for drivers as follows:

• Documents and application can be sent by email [Email Protected]
• Paper options for confirming documents can be sent to Postal Address 115093, Moscow, Zoskawa, Ul.Lusinovskaya 27, Cup.3.
• The possibility of personal transmission of the package of documents in the office of the company at the address G. Moskva, Ul Visinovskaya 27, Copp.3.

How to return discounts for trouble-free driving?

For those who are not ready to overpay due to system errors or frank deception of insurers, the following justice recovery options are available:

The Russian Moscow Union independently does not make changes to a single information system, but it is possible to apply to this organization. Insurance company will prefer to accept an application from the insured and avoid claims from the supervisory authority.

On how to restore the CBM through Rs, you can learn in.

Use our online calculator to calculate Casco online in 16 insurance companies. Discount up to 50% of the cost of the policy for neat drivers. Precise price guarantee!

How to apply for refund after replacing rights?

Replacing a driver's license is associated with a change in personal data that is stored in a single AIS database. A new document that has a unique combination of the series and the numbers is not automatically updated into the driver's personal data. Prior to the registration of the next insurance contract, it is necessary to notify the stakeholders in the need to actualize this information.

As in the case of error detection, changing information in the information system can be initiated by contacting:

After receiving a new driver's license, you should immediately visit the office of the Insurance Company or notify in writing about the changes that must be reflected in personal data.

Application package of documents must contain:

1. a copy of the current insurance policy;
2. a copy of the driver's license;
3. a copy of the applicant's passport.

How to get lost Bonus Malus over the past years?

Return the lost discount is possible not only for the current insurance period, but also for previous years. With such a request, you can contact immediately to the insurer, and you can in the Central Bank.

As a result of the consideration of the application with a request to clarify the coefficient of Bonus Malus over the past years, the driver receives a notice of indicators in different periods. The next step is an application to the insurance company with a request to recalculate and return overpays. The refund must be manufactured within 14 days.

What to do when closing SC?

In the case of bankruptcy of termination of the insurer's activities, the recovery procedure of the correction coefficient remains the same, with the exception of the option of contacting the insurance company. The appeals to the RSA or the Central Bank of Russia will resolve the issue with the actualization of data on the size of the Bonus Malus coefficient. If, at the same time, a refund of the overpayment for the decorated policy of the CTP is required, then in this matter the successor of insurance companies is the Russian Union of motorways.

How to get back when changing personal data?

Personal data is any information related to a specific physical person. Passport details, surname, name, place of registration - all this personal data.

On the change in personal data, which were indicated when issuing an agreement on the CTP, it is necessary to inform the insurer. Timely notification of the insurance company will avoid distortion of the Bonus Malus coefficient.

A change message may be issued as a request to make changes to the current documents. You should specify which data were changed, report new documents, dates for their updates.

Personal visits to an insurer office or letter notice will be enough to prevent discount lies and avoid the procedure for recovering CBM subsequently.

How to return a discount on insurance in the office of the insurance company?

Appeal to the insurance company is the easiest and most reasonable way to restore the lost value.

The following documents are required to start the application consideration procedure:

• the statement of the insured, written itself;
• applicant passport (copy);
• driver license (copy).

The application must indicate:

1. insurance Policy Information - Number, Date;
2. applicant contact details;
3. registration address, driver's license data and driver passport data;
4. date of the application;
5. list of copies of documents attached to the application.

Timely thorough check of documents that are issued by the insurer, and interacting with it when changing personal data will minimize the risks that can lead to distortion of data in the information base.

Very often, a limited number of drivers are allowed to control the car in the CCEDo Policy.

For example, all drivers in the last policy have accumulated maximum discount: KBM \u003d 0.5. However, when trying to buy an electronic policy of OSAGO online, it turns out that in the database of Rs KBM one of the drivers \u003d 0.85. Consequently, the OSAGO policy will cost at least 25% more expensive. And to reduce the cost of the policy, you need to restore the CBM.

How to restore KBM in the RSA's database? This is the only question that will arise in this situation.

There is a minimum of 3 ways to return the CBM.

1st way. Apply to the Central Bank of Russia

This method is the most reliable. It is necessary to contact the Central Bank with a complaint about the CBM on the OSAGO and you will all immediately lead to one denominator.

You can file a complaint to the Central Bank on the CBM through electronic form on the site -\u003e http://www.cbr.ru/reception/Message/register?MessageType\u003dComplaint

Scroll down to the section "Insurance organizations" - "OSAGO", choose the topic of complaints "Invalid use of KBM (discounts for trouble-free driving) at the conclusion of the contract"

Fill out the proposed form

Be sure to attach (download) scan of the insurance policy with minimal KBM or certificate of the lack of insurance payments with the previous insurance company.

You will receive a notification of the complaint about the specified e-mail.

The Central Bank will ask for all the necessary information and will send your complaint to belonging to the mail, you will receive a notice of the course of consideration of the appeal to the Internet receiving bank of Russia.

Dear (AA) in ________
Your appeal to No. OET - ### from 28/01/2016 is directed by affiliation to ____________ for № ####### from ____________.
This message is generated automatically. Please do not respond to it.

And at the end of the check, you will receive a letter from the Central Bank on the results of the inspection.

Checking the Central Bank must be carried out within 30 days from the moment of filing the complaint.

And after that, in the base of AIS, the RCA will remove incorrect data on CBM and will indicate the correct. And you can check the correctness of the KBM.

This is the only true way to restore CBM for free!

As spoken by vagrants in the film

All power in Moscow, brother! (from)

2nd way. Application to the insurance company

It is necessary to apply with a written statement to the insurance company, which insured you with the wrong class. They are obliged to fix everything and recalculate.

Procedure How to restore CBM in the insurance company

1. Write a statement in 2 copies addressed to the head of the insurance company with a request to change the CBM on the basis of either the previous policy, or references on the absence of insurance payments from the previous insurance company.

Application for the restoration of KBM (sample)

2. Take the application for recalculation of CBM and a copy of the certificate or the previous policy, in your insurance company. The most important thing is your contract at the time of submission of the application, must be valid.

3. The Secretary is obliged to register your application to the insurance company about the restoration of the CBM and assign it a sequence number. A second copy with a stamp of an insurance company, date and sequence number, leave yourself.

Remember! If the insurance company refuses to accept your application, send it by mail by registered letter with the notice.

4. The application for the restoration of the CBM is considered - 10 days. This period is provided for paragraph 1 of Art. 16.1 of the Law "On Osago", paragraph 2.

After 10 days, you can check your KBM. If the KBM has not changed, then it is necessary to call the insurance company. Usually the insurance company normally exercises the application data.

To write a statement to the RSA about the restoration of the KBM is useless, they do not have the right to make changes to the CBM to the base.

If the insurance company does not respond to the statement, write to the Central Bank or RSA.

3rd way. Turn to the insurance broker

This option is said on unbearable.

Insurance brokers, for a certain remuneration can restore a discount on OSAGO (unless, of course, you lost discounts not due to an accident in your fault).

The insurance company did not take into account the KBM and you do not know how to restore it, use the free advice of a lawyer and get comprehensive answers to your questions.

Each Russian owner of the car is known about the operating system of OSAGO. Driving a vehicle without concluding an agreement on autocarted liability insurance, is prohibited. To resort to the procedure is accounted for every motorist using personal transport to move.

Given the level of income of our citizens, it is natural that any driver wants to purchase a policy as cheaper as possible. It is possible to reduce the amount of the contribution, submitting an application for the restoration of KBM.

For greater transparency, you must first deal with the insurance classification of drivers. In all developed countries there are special systems for calculating the size of contributions. It takes into account the driver's experience, experience. The longer the man behind the wheel than his driving care, the cheaper the insurance cost him.

The logicality of this approach is obvious: who has many years of experience, the motorist has a much less chance to get into an accident, than just received the right of the newcomer.

In our country, there is a similar system based on dividing drivers to classes:

• a beginner driver who has no experience, according to the OSAGO system, operating for 2018, refers to the lowest to the class "M";
• the rest of the drivers, based on the time of controlling the car, as well as from the presence of accidents, are denoted by numbers: from 0 to 13.

Vividly can be demonstrated to the table:

The principle of class assignment is quite simple. One who drives troubles and pays over a population times more and less. It is CBM that determines its price.

The name of the coefficient of Bonus Malus (CBM) translates from the Latin language as "good-bad." The indicator exists about fifteen years, although at the time of the introduction there was no uniform information network, in which the CTP's prisoners were tracked. Since 2014, each insurer has been obliged for 24 hours after conclusion with the drive driver to download information on the procedure into the system.

KBM is a coefficient that directly affects the price of the policy. Every motorist is strictly individual. An indicator may be, for example, down or boost.

The value is calculated by an automated program. For each year, the ride without accidents is a discount of 5%. That is, for the driver of the second class KBM will be 0.95, the third - 0.9, etc. As can be seen from the table given above, the maximum discount has motorists of the thirteenth grade: its value will be 50% (CBM - 0.5).

If you get into an accident, the driver class decreases. At the same time increases the price of the insurance policy. The rise in price, in contrast to lower prices, is not taken for the next year, but immediately after applying for monetary compensation.

Insurance itself can have two variations:

1. Limited ispassed - the form in which data is made in the contract is made by a limited number of drivers. CBM is calculated by the driver having the lowest class. If last year an agreement was drawn up without specifying specific drivers, and there was no insurance claim for the expired period, the company uses a lowering CBM (if transport belongs to the right ownership of the driver in the contract).
2. Unlimited OSAGO - an option in which there is no restriction of admission to driving. A class number is assigned to the owner of the machine specified in the contract: it is calculated by the latest CTP agreement.

CBM can be calculated for the driver, the owner. The initial KBM is the value during the preparation of the policy, and the calculated KBM is an indicator used to determine the final amount of the contribution.

Insurance organizations, as a rule, argue that the resettlement of the coefficient is based on legal grounds.

In practice, several situations may arise when the driver is deprived of his discount:

1. Benefit on the CTP is valid only one year. If there is a break in insurance, that is, the owner did not use the transport, and decided to acquire a new policy only after the expiration of the one-year term, the CBM loses its strength.
2. If the driver acquired a new policy, changing the policy of the OSAGO with limited to unlimited, the coefficient is also reduced.
3. When changing within one year the owner of the machine, the discount does not increase: it is necessary for it only the full calendar year of the trouble-free ride.

Bases for zeroing may not be legal. This happens when the company has not transferred information about the insured person in the database. After a year, the discount burns. Sometimes there is unfortunate information made with an error. Personal data about the driver can be incorrectly listed in the RSA.

Each driver is better to check the data itself by using the computer.

Previously, some unscrupulous organizations, with the aim of greater earnings, hidden information and did not take into account KBM. In addition, there were cases of sales of fictitious policy of CTP. Now the likelihood of such causes of bonus loss is extremely low.

Regulatory regulatory acts

The main norm is the federal law of April 25, 2002 No. 40-FZ "On compulsory insurance of civil liability of vehicle owners". The document determines the rights of drivers and insurance companies, regulates the procedure for payment of compensation. It was them that the indicator of the CBM is fixed - the value that affects the price, which will have to pay for the policy.

In addition, the procedure is regulated by Chapter 48 of the Civil Code of the Russian Federation ("Insurance"). Articles 927-970 of the document are used mainly in the event of civil disputes permitted by the judiciary. The third norm is the Law of the Russian Federation of November 27, 1992 No. 4015-1 "On the organization of the insurance case in the Russian Federation". It regulates the relationship between persons providing insurance services, the implementation of the control of their activities.

In which cases is required to resume?

Restore the right to a discount appropriate in the following situations:

• if a person became a member of an accident, in which he was initially found guilty, but the Distance Resolution was canceled on a complaint by the court decision as unreasonable;
• when the company employee ignored when calculating the CBM for an incomprehensible reason: this also happens, intensifying or in a hurry;
• if when issuing a policy of the driver frankly deceived: some unscrupulous companies "sin" by this;
• when checking on the PSA website, the index does not "break through", that is, the driver data is incorrectly made (most often a typo happens in the date of birth or surname);
• if the rights replaced, the name of the surname is also possible, the error may also occur.

In all of the above cases, it is possible to restore justice by legitimate ways.

The recovery procedure is quite simple, it is necessary to prepare a statement to which attach:

• driver certificate (original and copy);
• russian passport;
• previous Policy;
• the official certificate from the Insurer company that the person had no insurance claims and it was not paid for them to compensation;
• help from OGIBDD about the absence of accidents;

It is very important to maintain the insurance document lost action, since it is it that contains information about the CBM of the past period!

After analyzing the circumstances that caused the loss of a legitimate discount, you need to prepare a written application in two copies of its return.

The document indicates:

• company name (organization), which is addressed to appeal;
• Surname, name, patronymic, date of birth, applicant phone number;
• the essence of the request for the database adjustment;
• series, the number of the policy currently acting;
• the grounds that caused for treatment (the data specified in the Liberties and Insurer certificates);
• a list of attached documents proving the validity of the application;

Documents after filling them are submitted directly to the company, issued insurance with an error.

Term of consideration

For consideration of a submitted statement, paragraph 1 of Art. 16.1 The law "On compulsory insurance of civil liability of vehicle owners" was assigned 10 calendar days from the date of receipt. From the period are excluded non-working and holidays.

Over the course of this time, the company is obliged to accept one of the solutions:

• satisfy the requirements claimed in the statement;
• to refer to the applicant a motivated failure.

When time comes out, you need to check on the RSA website your KBM. If the coefficient has not changed, the insurer should be called.

As a rule, companies correct mistakes without any problems. Insurers who are present for many years on the market (alfactory, reso, Ingosstrakh, URALSIB, Ingosstrakh, Rosgosstrakh, VSK, etc.) will value with its reputation and appreciate customers, so adjustments are made immediately.

Then, on the letterhead provided by the insurer, a statement is written about the return of an overlated part of the contribution, which indicates the number of the savings book or an extract on the account for transferring money to the bank card.

If the insurer still ignored the legitimate demands of the car owner who turned to him, the statement in the RSA on the restoration of the OSAGO CBM can be sent in electronic form. It is necessary to find the official website of the Russian Union of motorways. In the "Contact RSA" section, an email address is given ( [Email Protected]), where and you need to send all the collected documents, pre-scanning them.

On this network resource, the phones of hot lines are also indicated, where the driver can call and ask all the questions that excited his questions about the value of the OSAGO policy.

By the way, the above application form in the RSA about the restoration of the CBM can be downloaded in the Word format directly on the site.

Another option is to write and file a lawsuit in Civil Procedure. Application for the refund of the CBM on the OSAGO, a sample of circulation can be found on the stand of this organization. The document is sent to the Chairman of the District Court at the place of residence. When satisfying the claims, the court, in addition to compensation for excess payment, is charged with an unfair company, a fine, which makes it half the difference between the amount of payment, a certain judge and a premium paid by the person.

How to reduce CBM OSAGO?

Avoid the maximum premium size can be avoided if the following recommendations take into account:

1. If possible, it should not be included in the list of persons admitted to driving, whose age is less than 22 years or the experience of which does not exceed three years. Only this condition can help reduce the cost of polis by 60%.
2. If the list had a driver that has a history of an accident, it will be advisable to also exclude it from the list or purchase an unlimited policy.
3. Many drivers living in the regional center make out a car on rural relatives. The measure also helps to save, because the inhabitants of megacols use the increasing values \u200b\u200bof the coefficients.
4. There are drivers who do not go in winter. Then you can purchase polis only for 6-7 months.
5. Sometimes insurers have discounts for new users. Some organizations, on the contrary, provide bonuses to regular customers.

Right, in our time, as you know, is the one who has managed to foresee in time. Given the gravity financial situation of Russian citizens, to resort to additional measures to ensure that the economy will not be superfluous.

PCA CBM Check

The driver for checking will need a computer with access to the Internet, a driver's license and a valid insurance policy. Then online by reference https://kbm-rsa.info you need to go to the search form and act according to the instructions.

The result will be issued after the introduction of all personal information and data on documents. The top line contains the value of the coefficient currently operating. The following is information about the previous policy and the value of the KBM of the last period.

It is certainly necessary to defend your rights. If a person, checking my auto insurance index, saw a mistake, should take measures to eliminate it. A sample application for the restoration of KBM is not relieved, the list of documents is small. Justice should be recovered so that neat trouble-free ride brings bonuses to a conscientious driver who reads the law and keeping the rules of the road.

Lawyer, automotive law specialist

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