Reimbursement CMTPL becomes transparent

Ministry of Transportation has finally fulfilled this promise a few years ago and has developed rules for calculating the cost of car repairs CMTPL. The document gives the exact formula of wear of automotive components and takes into account the average cost of spare parts in the region where the accident occurred. While a decree signed by Vladimir Putin, quite raw. Despite the fact that it enters into force three months, some annexes are not yet ready. Therefore, experts are not solved yet make sweeping conclusions mechas between "everything is bad" and "everything will be very bad." In the first case it is assumed that the injured motorists' pockets even more desolate, and the second - that would also address the interests of the Insurers. There is no standard scheme for assessment of the damage the car. This does enjoy avtoeksperty and insurers. Parts to be replaced only by new ones, are evaluated as used. Moreover, the payment amount becomes known only after its transfer to the victim. In most cases, compensation is not enough and at half the cost of repairing the car. Motorists often go to court, where proving a particular waste, knocking them to put money. Rates for policies OSAGO grow, and the size of payments, on the contrary, decreases. The Government has proposed to legalize the calculation rules between insurers and motorists. Since the autumn of strap limit wear of the car will be fixed at 80%. This means that even antiques on four wheels as he is able to ride and get into an accident, could count on the remaining 20% ??of wear. Damaged parts, change during the life of the machine, will be evaluated according to their mileage. To prove the fact of replacement parts, car owner must present the appropriate receipts. Quality of the material parts will affect the size of payments - the plastic parts will be evaluated cheaper than metal. Under the new rules, insurers will have to give money not only for the damaged part, but also for other parts, which are the technical requirements completely solve the problem. Tire wear will depend on the height of the tread, and the average battery life for four years. Also, wear a body will not only depend on the production date and mileage cars, but also on the guarantee period for damage from a pass-through warranty. Motorists will benefit those on whose car manufacturer offers a longer warranty on corrosion protection. For example, the Renault Fluence given 6-year warranty, and the Skoda Superb - the 12-year-old. The document identifies another factor that affects the wear of the car - the country of manufacture. It is a country in which the machine was made or remade. Slowest increase rate of wear of the Japanese cars, followed by European and Turkish. The next category includes cars from North and South America. Followed by China and Korea. Completing the list of machines that were released in Russia - this applies not only domestic brands, but also of foreign cars assembled in factories in our country. Components and assemblies, failure of which is prohibited by operation of vehicles, will not depend on the degree of wear. A list of these car components have not yet been published, but now you know exactly what it will include bags and belts. Calculations will be made at the time of the date of the accident and taking into account the average cost of spare parts in the region where the accident occurred. When the decree comes into force, to calculate the depreciation of vehicles and parts to be used with a special computer program developed formulas. Now, any motorist can independently calculate the approximate amount of compensation before the insurer will make its verdict. Insurers also froze in amazement - accumulated over the years the system will change, but develop a new system is difficult, since the method proposed by the Government, while not entirely clear. Naturally, many have intimidated another rise in prices for policies OSAGO. Mol, prices will rise, and then we'll see who and what is beneficial. The main emphasis insurers doing it was not clear definition of the "remade" and do not understand how producing country can affect the wear and tear, as operating a car is made directly in Russia. It is also unclear how to calculate the average cost of car parts, because, as you know, the same spare part can be purchased with adequate money, or five times more expensive. And, of course, frightens them a list of items that are not covered by wear and tear. It also boggles the mind that will have to pay the 18-year-old Toyota brand new airbag. But exactly one thing is clear: Auto Insurers, who are already for many years say that they are working to the detriment of themselves, would not be removed from his pocket an extra penny. Therefore, even if new rules for calculating the amount of compensation aimed at protecting the interests of car owners, for this may be followed by rising prices for car insurance. Text: Olga Zabelkina.