On March 1, 2009, Russia began to operate the new rules OSAGO developed by the Russian Union of Insurers (RSA). However, not having to enter into force, some points of the innovations in the field of motor insurance has not staged a Finance Ministry and the Federal Service for Insurance Supervision, and along with the Department of Road Safety. The new rules do not themselves have caused the approval of the Insurers and the traffic police puzzled. What new was introduced into the system of compulsory third party liability insurance? These innovations was the ability to direct damages, as well as a simplified scheme of registration of an accident. More specifically, the direct damages suggests that the victim's car owner is now eligible to apply for a benefit in that the insurance company with which it had contracted OSAGO. However, this right is deprived drivers who have purchased the policy prior to March 1, 2009, as well as those who chose a simplified design accident. Direct settlement raises two important condition: the accident without casualties and accidents, which injured no more than two cars. In addition, direct payments are not possible when the accident occurred on the mutual fault of drivers, as well as in the case of non-contact accident. A simplified scheme of the same design of road accidents (also called "evroprotokolom) gives drivers the opportunity to issue an accident on the spot, without waiting for the arrival of traffic police officers. Naturally, we are talking about accidents without casualties, as well as cases where the drivers are not there mutual complaints about the incident the culprit. Make a traffic accident on a simplified scheme is possible and when damage in an amount not exceeding 25 thousand rubles. Describe the details of the accident, and the "outline" the scheme of the collision car drivers can at a special notice, which is attached to the policy OSAGO. Such notification is recovering in an insurance company and its employees, guided by special layout of a typical accident, decide on the amount of insurance payment. Theoretically, the new rules are designed to make life easier for drivers to remove part of the care from the shoulders of traffic police officers and even a beneficial effect on traffic conditions - will be less congestion because of minor accidents. So why should the Finance Ministry and FISA, and the Interior Ministry have met a hostile reception to these innovations? Why they were dissatisfied with auto insurers? Why are publication on the new rules contain OSAGO unobtrusive advice motorists not to rush to apply innovations in practice and did not neglect the opportunity to cause the accident site traffic police? Ministry of Finance did not like that developed by the PCA rules apply only to those motorists who have purchased policies OSAGO after March 1, 2009. The Ministry has found a document on the direct damages a large number of legal, technical and editorial comments, "the presence of which may cause difficulty in interpreting the rules and their application, as well as undesirable consequences in the event of litigation," as reported in the press. In addition, the Finance Ministry criticized the fact that the new rules "do not provide for an insurer to deny an injured victim to pay insurance on behalf of the insurer who caused the harm." Taking into account such claims, PCA continued to work on new rules OSAGO, but also said that until March 12 to complete the formation of a security deposit. A deposit - it is 3 million. And, despite the fact that this sum is much lower than previously planned, in the SAR now say that not all insurance companies are able to form it. In addition, according to vice-president Andrew Baturkin SAR, only 70% of insurance companies have set up now, bank deposits. But the money that insurance companies have to find a security deposit, it's not so bad. The remaining trouble insurers, according to their own opinion, will be associated with an increase in fraudulent insurance claims and failure to return payments. Even before the adoption of new rules OSAGO fraud on the part of car ownership has reached very high values. And with the innovations, whose work is not regulated by supporting documents, the number of pseudo-insurance claims increase significantly. A related fraud schemes particularly savvy car owners have come up to the present day not one. Fearing such an increase, insurers in the future will certainly raise tariffs for compulsory motor TPL insurance to offset their likely losses. Employees of insurance companies and firms care about the issues concerning the evaluation of damage. It is no secret that many companies there are various schemes of determining the value of the resulting vehicle damage. In the case of direct damages, when the insurance company first pays the damages to his client, and then turns to insurers culprit accident to get compensation payments, conflicts between the two organizations will be difficult to avoid. Representatives of the traffic police is also quite skeptical about innovations, because they believe that fewer go to the place of accident it is not necessary. Not all motorists are able to "amicably" resolve the resulting accident claims, not all of them are able to competently on the paper to issue an accident, in addition, not all are capable of adequately and without mutual criticism assess the damage. So, despite the fact that the new rules are intended to relieve the traffic police, the participants of traffic accidents are unlikely to immediately be able to eliminate the need for cause to the accident inspectors. As always, it is necessary to understand what the new rules, ideally such beneficial, "pose" for car owners themselves. Naturally, no trick could not have done, and found it very quickly. This is - increasing cost of the policy OSAGO, which, in fact, must insure the risks of insurance companies themselves. Already, the deputy executive director of PCA Andrey Baturin warns that "the increase will be tough." More recently, the first "warning bell" rang for young drivers. The Russian government has approved and adopted a decree amending the tariff strass CMTPL. According to this decision, the coefficient on insurance rose from 1.3 to 1.7 for car owners whose driving experience is less than three years, but age is not exceeded in 22 years. If the driver - a beginner who is 22 years for him coefficient increases from 1,2 to 1,5. And, conversely, for veteran driver, who is still young in age, the coefficient rises from 1.15 to 1.3. Increase (from 1,5 to 1,7) affected and the insurance, which provides that the management of the car allowed an unlimited number of people. Another trouble that can comprehend the car owners who have applied to the system of direct compensation for the damages - is the delay of payments. "Native" insurance company is unlikely to rush to pay the driver the amount of damage until the new rules is still so "cheese." For whose benefit is the adoption of new regulations, if firstly, they do not come into force for all policyholders OSAGO, secondly, innovations involve many reservations and exceptions, and thirdly, according to many experts, accompanied by deficiencies and inconsistencies? Among the latter, in the words of the All-Russian movement of motorists' freedom of choice "Vyacheslav Lysakov, is the lack of independent appraisers and uniform methodology for their work. What are the benefits of these rules will bring in all their imperfection and by insufficient for the car owners themselves, it is clear now. Despite the fact that innovations in the field of compulsory motor TPL "block the oxygen" by many insurance companies, not the fact that the insurance market will leave the most dishonest company. But these two new ones have come into force on 1 March 2009, the item in the auto enable SAR to justify a serious increase in the value of the policy OSAGO. And all this despite objections from the Finance Ministry, which, incidentally, about the increased cost of insurance claims, apparently has not.
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