The Russians began to refuse CMTPL policies

On July 1, 2003, the law “On Compulsory Insurance of Civil Liability of Vehicle Owners” came into force, designed to stop lawlessness on the roads, protect the property interests and health of drivers. For 20 years, “autocitizen” has come a long way and has become the most popular insurance product in the Russian Federation. “MK” decided to sum up, talk about the chronic sores of the OSAGO policy and look into its near future.

Milestones of evolution

Denis Makarov, member of the board of IC Rosgosstrakh, told MK that over 20 years OSAGO has seriously evolved: insurance compensation limits have increased significantly – from 120 thousand rubles. up to 400 thousand for damage to a car and property, from 160 thousand to 500 thousand – for harm to life and health.

An important milestone in the development of the new institution was the direct compensation for losses under OSAGO. Since 2009, victims of road accidents have applied for payment to their insurer. In 2009, a European protocol appeared that simplified the procedure for settling an accident; since 2019, an accident notice can be issued through the State Services.Auto mobile application.

In 2015, the OSAGO policy was digitized. Goznak’s policy forms, which had to be taken with you, began to replace electronic contracts, the validity of which can be checked online on the website of the Russian Union of Motor Insurers.

In 2019, a tariff corridor was introduced, due to which careful drivers received a lower tariff. Insurers began to evaluate each client individually. The introduction of a unified calculation methodology has reduced the number of disputes, the calculation has become transparent. In addition, the term for settling insured events was reduced: 20 days instead of 30.

As Sergey Demidov, vice-president of Renaissance Insurance, noted to MK, OSAGO as a whole lived up to expectations: each car owner got a guarantee of compensation for damage in the event of an accident. Previously, situations often arose when the perpetrator simply did not have the money to compensate, which led to conflicts and lengthy court cases. Now these problems are forgotten.

“OSAGO performs a large socially significant function – it provides insurance coverage for both the perpetrators of an accident and the victims. With its appearance, the number of auto-substitutions on the roads has significantly decreased,” said Vitaly Knyaginichev, Director of the Retail Business Directorate of Ingosstrakh.

Chronic sores

But not all of the plans were realized. According to Makarov, unfortunately, not all motorists understand the value of OSAGO and sometimes consider it one of the varieties of car ownership tax. And therefore, they choose an insurer not for reliability, stability or quality of service, but for price. And often, having made such a choice, they are disappointed when an insured event occurs. “The continued dissatisfaction with the “auto-citizenship” of some motorists suggests that not all goals have been achieved,” the expert noted.

As Knyaginichev acknowledged, recently many car owners have begun to refuse policies altogether. For this reason, a number of insurers have offered in some regions to additionally purchase policies that will protect if the person responsible for the accident does not have a “car citizen” policy.

Another topical problem is scammers on the roads. Conventionally, all criminal schemes can be divided into two groups. The first is intentional accidents, in which all participants in an allegedly accidental accident are united by one intent – to achieve the maximum possible payment from the insurer under the policy. The second group is auto-setups, when the culprit of the accident is not involved in the criminal intent of the victim.

Recently, insurers have made some progress in the fight against abuse of the law. But, as Makarov noted, the regions where insurers, together with the authorities and law enforcement agencies, have turned the tide, are being replaced by others – this is clearly shown by the monitoring of the Central Bank, which regularly reviews the “color” characteristics of the subjects of the federation, depending on the frequency of insured events under OSAGO and the ratio of payments by the court to the total number of settled losses. Now, according to the insurer, the Republic of Mari El has become the leader in terms of the share of court payments, where the so-called “insurance” has raised its head. “avarkomas” that buy the rights of claim against insurers from motorists right at the scene of an accident. Negative trends, of course, directly affect the level of tariffs in the region and the availability of policies.

According to Igor Ivanov, deputy general director of RESO-Garantia, the business of the so-called. “auto-lawyers” thrive because of gaps in the law and the slow response of the law enforcement system. To solve this problem, in his opinion, it is necessary to change the legislation regarding the prohibition of the assignment of rights of claim to third parties. Novels should be sent to receive insurance payments to the victims themselves, and not to their representatives.

We add that last year auto insurers for the first time in 20 years faced an unprecedented rise in prices for spare parts. As a result, in January-March, compared to the same period last year, the average premium under the OSAGO policy increased by a third: by almost 2 thousand rubles. – from 5996 rubles. up to 7949 rubles. True, now due to parallel imports, the situation has been brought under control. And in the II quarter the tariffs decreased a little.

What’s next?

The OSAGO Institute in the Russian Federation has room to develop. So, from July 15, electronic settlement of OSAGO according to the European protocol will be available through the personal account at the State Services. Prior to this, only a notice of an accident could be issued electronically.

According to Knyaginichev’s forecast, OSAGO will continue the transition to digital. Electronic services will penetrate deeper into the processes of concluding contracts and settling losses. “In the next three years, paper policies on typographical pink ones will remain, but their share will decrease significantly,” the insurer is sure.

Ivanov expects that on the horizon of three years the limit of liability will increase both for damage to property and for damage to life and health. Demidov hopes that the OSAGO liberalization project will be completed when the corridor becomes wider and a number of coefficients are cancelled. This will help make the price of OSAGO even more fair.

Published in the newspaper “Moskovsky Komsomolets” No. 29062 dated July 4, 2023

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