Deputies appealed to the Prosecutor General's Office to check the effectiveness of OSAGO

Sergei Mironov, chairman of the Just Russia - For Truth party, turned to the Prosecutor General of the Russian Federation, Igor Krasnov, with a request to check the effectiveness of the system of compulsory motor third party liability insurance (OSAGO). They write about it "News" with a link to a copy of the corresponding letter.

According to Mr. Mironov, insurers systematically do not pay the insurance premium intended to compensate for damage in the event of an accident, the amount of which is determined by federal law and the Bank of Russia (CB). This is not less than 80% of the cost of the policy, the deputy claims.

In particular, it follows from the decree of the Central Bank that 77% of the premium should provide current insurance indemnities, 3% goes to reserves for compensation, 20% - to administer insurance procedures.

However, the letter says that in 2020 only 135.8 billion out of 231.7 billion rubles were allocated for the repair of vehicles under OSAGO, which is 58.6% of the premiums collected by insurers under all contracts concluded during the year, and in 2021 - only 150.8 billion out of 236 billion rubles. (63.8%). Where the remaining amounts of fees were sent, the appeal did not specify.

In addition, the letter says that, despite the fact that insurers have formed reserves for payments, the Central Bank again expanded the tariff corridor for OSAGO by 26%, which significantly increased the prices for policies for most car owners.

The press service of the Central Bank clarified to Izvestia that the forecast for payments cannot be formed in advance, since it is impossible to predict the occurrence of an insured event. “In some periods, actual payments may be less than the calculated values, and in some periods they may be significantly higher,” the regulator’s press service said.

Read more about regulation and savings in the insurance market - in the material "Kommersant" "The bases go to the Central Bank".

Milena Kostereva

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