Payments OSAGO enough to repair

Ministry of Finance is considering the probability of increasing the maximum limit payoff of up to 400 thousand rubles. This will inevitably lead to an increase in the cost of insurance policies at least twice. Deputy Director of Financial Policy Department, Ministry of Finance of Faith Balakirev said that before the end of the year the law on compulsory motor TPL insurance plan to make a consequential amendment, which, after discussion and possible adjustments could be adopted as early as next year. Ministry of Finance has also made several amendments to the law on civil liability: a limit payments for damages to life and health of road accident victims suggested to increase from 160 thousand to 500 thousand rubles, and the limit on the property - from 120 thousand to 200 thousand. Apparently, the latter figure seemed to be insufficient, and now she decided to double. Naturally, increasing the limit will fall on the shoulders, or rather on the wallets of car owners. Base cost of policy OSAGO, which now stands at 1,980 rubles, can rise up to 5-7 thousand rubles. Experts believe that it is too high jump, so it is best to introduce improvement in phases, with the first phase of stop limit to 200 thousand rubles - this amount will be quite enough to cover the repair cost of an average car. Rates for policies OSAGO in this case will grow by only 8-10%. Recall that since the entry into force of the law on compulsory motor insurance premiums CMTPL increasing annually. In 2005, insurers have sold policies to the amount of 54.2 billion rubles and paid 26.4 billion rubles. In 2009, policies sold to 85.8 billion rubles and paid 48.5 billion, of which the health and life took only 2%, all other payments went to the iron. Ministry of Finance explained the need to increase the limit on payments to the life and health that people injured in road accidents can quickly get money for treatment that he would urgently needed. "If within 20-30 days after an accident during medosvidetelstvovaniya victim turns out that the damage was greater than the advance payment, but fit into the 500,000 limit, the insurer will undertake the following payments against receipts. The victim can count on the adjustment of compensation, if it was fast, but insufficient to pay for treatment, "- commented Vera Balakirev. On consideration of amendments usually takes several months to several years. Thus, if the initiative is the Ministry of Finance will also appeal to the Government, already in 2011-2012, motorists will have to buy policies OSAGO 2-3 times more expensive. Insurers support the idea of ??the Ministry of Finance, fleet in our country, "went up" to such an extent that the limit of 120 thousand rubles is not enough for a complete repair after an accident of moderate severity. According to the calculations of insurers, the current limit covers only 80% damage to property, whereas a few years ago it covered 95%. But the limit of 200 thousand rubles will cover 90% of the damage and the pockets of motorists do not hit hard. Federal Service for Insurance Supervision (FSIS) also agreed with the Ministry of Finance amended. Moreover, FSIS expects that within a few years, damages to property will be altogether unlimited. By this time, the market will remain little more than 300 insurers, of which 70-80 will specialize in OSAGO. Currently avtograzhdanki involved 123 companies from 500. But ordinary citizens question - whether the insurers will no longer underestimate the value of payoff, or will have to litigate each case? But, anyway, all the damage on avtograzhdanki will never be met, because in that case can prosest market CASCO. Voluntary automobile insurance does not include wear and tear, does not cover expenses in case of theft and so on, know only pay. But many motorists, especially those whose cars do not flicker in the charts by stealing, would satisfy and repair CMTPL with an increased limit. Cheaper to pay 5-7 thousand rubles for a policy OSAGO, knowing that in the event of an accident a no repairs will be provided than the annual spending 30-50 thousand rubles for a policy Hull, who may not have to use it. Text: Olga Zabelkina.