Insurers forced to fork out

The calculation of depreciation in the repair of vehicles insured under the compulsory motor TPL insurance, will now be made by the new rules: wear components, to be replaced, can not accrue more than 80% of its value. New rules were adopted by the Duma in January 2010 and in May, was published by the Transport Ministry developed a unified method for calculating the cost of repair. And from September 1, amendments to the law on compulsory motor TPL insurance in force. Yet appraisers working under the old formula: take the regional average price of new spare parts and repairs are deducted depreciation, which depends on the model year vehicle and its mileage. Note that parts, assemblies and units that have an impact on traffic safety and are subject to mandatory certification, will be replaced by new ones. These details include, for example, air bags, which will be triggered when a more or less serious accidents. And the list of components and assemblies for which a zero-wear, in a separate bylaw, but has not yet been finally approved. Under the amendments, provides for zero damping for belts and airbags, as well as parts, components and assemblies, at which the fault in accordance with Russian legislation on road safety is prohibited for vehicles. If you look at the "List of faults and the conditions under which prohibit the operation of vehicles (as amended on 16.02.2008), then this list might include elements of braking systems, steering, exterior lights, wiper and washer windshield , wheels and tires, engine and other elements, up to the alarm, door locks, mud flaps and license plate. But the government distinguishes between the terms "exploitation" and "movement" of the above items affect only the receipt of coupon checkup, but the traffic safety, according to SDA, can prevent a malfunction of the braking system, steering, coupling device (for towing), nonconducting (or absence) headlights and tail lights at night and in poor visibility, as well as the failure of the driver's windshield wiper, and then in the rain or snow. As you can see, the lists differ slightly, while the second list says nothing about the engine. It is the second part of amendment caused a stir among insurers. Parts and assemblies that affect the safety car, which must be replaced by new ones, will require large cash infusions. According to approximate estimates of the Russian Union of Insurers, the compensation may increase by 23%. An increase in insurance payments will result in the tariffs for compulsory motor TPL insurance policies to increase once again. And, as usual, the insurers will complain that the insurance business - to be unprofitable, and that they are engaged in entirely patrons. They are already quite a few were killed since the crisis began. And on the other side will be motorists who might be willing to pay more for the policies, but instead want the real benefits, not those cents that there were "independent" experts. Text: Olga Zabelkina.