Is it possible to receive a payment for OSAGO in money? Expert answers

2024 Author: Malcolm Clapton | [email protected]. Last modified: 2023-12-17 03:44

An insurance specialist answers readers' questions.

What happened?

It is difficult to independently understand the intricacies of compulsory and voluntary car insurance. Is it possible to insure not the car, but individual parts? Why do you need a car inspection when applying for a comprehensive insurance policy? Is compensation for damage to the perpetrator of an accident eligible if the car is insured?

We have collected questions from Lifehacker readers about OSAGO and Casco, and the expert Artyom Frolov answered them.

How is the cost of the MTPL policy calculated and can you save money?

The base rate determined by the insurer is multiplied by the coefficients - they are determined by the Bank of Russia. The minimum and maximum values of the base rate for OSAGO are also set by the Bank of Russia. For example, for vehicles of category B for individuals, the base rate ranges from 2,471 to 5,436 rubles. Within the limits of minimum and maximum values, insurers independently set the values of the base rates, depending on the factors determined by them.

Coefficients of insurance rates depend on the territory of preferential use, the number of insurance claims made, the list of persons allowed to drive, and other parameters. For example, if the driver has not had an accident for 10 years, the insurance rate for him will be reduced by half.

From August 24, 2020, the cost of the tariff consists of more than 20 criteria. This allows you to give an individual tariff to each driver. Therefore, the main rule of economy is to be an accurate and responsible driver. Here are some more ways to reduce the cost of OSAGO:

• Save your policies and contracts for all insurance periods. The presence of an insurance history, especially a break-even one, gives the right to a discount. For example, in the tariffs for compulsory motor third party liability insurance, the legislation includes a discount for a break-even ride - 5% for each year of insurance without an accident.
• Do not create an accident. Every year the coefficient changes up or down - depending on how careful you are on the road.
• When buying OSAGO, consider whether you need unlimited insurance. A contract with a limited list of persons allowed to drive a vehicle is always cheaper.

To get an MTPL policy, you do not need to look for the nearest office of an insurance company. Calculate the cost of insurance, issue and renew the policy for VSK Insurance House … To issue a policy, you need a vehicle registration certificate, a valid diagnostic card or technical inspection coupon, your passport and driver's license.

An electronic OSAGO policy is equivalent to a policy issued on paper with the signature of a representative of the insurance company. You will receive the electronic version immediately after registration - print it and keep it with you while traveling.

In Russia, a law was adopted on the individualization of OSAGO tariffs. What does it mean?

From August 24, insurance companies began to take into account the individual data of everyone who draws up a compulsory motor third party liability insurance - we have already touched on this topic in the first question. Pay attention to the characteristics of the vehicle and the persons allowed to drive. For example, the cost of the policy can be affected by gross violations of traffic rules, which entailed criminal cases (drunk driving, road accidents with victims). And for an impeccable driver, the cost of the policy, on the contrary, can be reduced.

How much more or less the policy will cost is determined by the insurance company itself. However, the cost will remain within the maximum and minimum values of the base tariffs, which are regulated by the Bank of Russia.

You can calculate your individual cost of the MTPL policy in a couple of minutes at VSK.

Is the OSAGO policy valid abroad?

No, only on the territory of the Russian Federation. If you are going to travel by car outside the country, you need to buy a "green card" - this is an analogue of OSAGO, operating in 48 countries. If a driver of another country is to blame for an accident, you will be fully compensated for the damage. You can also issue OSAGO of the host country.

Is it possible today to make OSAGO on a diagnostic card that ends tomorrow?

Can. If there is a diagnostic card, but there is no OSAGO, problems should not arise. Even if the maintenance period ends "tomorrow", the insurance policy can be bought "today". But it is better to go through a technical inspection so that in the future there will be no problems with payments for insured events.

If I changed my license, do I need to change my policy? How much is it?

Yes. By law, the car owner is obliged to inform the insurer about changes in the information specified in the current policy. So the policy needs to be changed when replacing the driver's licenses of everyone who is in it. If you changed the vehicle registration certificate or passport, then the policy will also need to be changed.

Replacing OSAGO is free, unless new drivers are added to it.

What is KBM?

The “bonus-malus” coefficient, or KBM, is the driver's personal coefficient, which changes the cost of the OSAGO policy depending on how many times the driver has had an accident in the past years. KBM can take values from 0, 50 to 2, 45. You can calculate it yourself or find out at the Russian Union of Auto Insurers. Enter your details and the system will show your KBM.

How is MSC calculated if I issue OSAGO without restrictions?

Starting from April 2019, MTPL on OSAGO policies with an unlimited list of those admitted to management is always equal to one. Even if, after several years of trouble-free driving, the owner decides to issue MTPL without restrictions, the KBM will still constitute one unit.

How is the cost calculated if you need to enter another driver with 3 years of driving experience into the insurance policy? What documents are needed and is the presence of the car owner required?

The calculation for adding additional drivers to the OSAGO policy is based on the length of service and the bonus-malus coefficient of new drivers. If the experience of additional people is more than the experience of the policyholder, and their MSC is the same as that of the policyholder or higher, then the new driver will be entered free of charge. And if the policyholder turns out to be a more experienced driver, you will have to pay extra. In your case, if you have more than 3 years of experience, then an additional payment will be required.

To make additions to the policy, you need to provide the insurance company with the MTPL policy (or just say its number) and a copy of the second driver's rights. The presence of a co-driver is optional. Only the policyholder can change the insurance conditions (including the list of drivers). If another person does this, the policyholder must issue him a notarized power of attorney.

In VSK, an application for changes to the OSAGO policy can be submitted through the VSK insurance mobile application.

Application not found

How to issue an electronic OSAGO policy in the insurance company in which you want? Often, after filling in all the data for the formation of the policy, I am transferred to the website of another company

Try to get a policy on the insurer's website. Or just wait, often the problems are related to work on the side of the Russian Union of Auto Insurers.

Another option is registration through the E-Garant system, which is built into the calculators of insurance companies. If you decided to purchase a policy from a certain company, filled in all the required fields, but for some reason cannot complete the purchase, the insurer must display a link to the “E-Garant” system.

This tool will forcibly assign you an insurance company, which, in turn, will not be able to refuse to issue an electronic policy. When you click on the link, you will be taken to the PCA website page, where you can register with E-Garant.

Is it possible to receive payment in cash under the OSAGO policy?

It is possible, but not in all cases. Since 2017, the priority of compensation in kind has been in effect - insurance companies, instead of paying in cash, send the car injured in an accident for repairs.

Under OSAGO agreements, you can choose a cash payment only in one of the following cases:

• The cost of repair work is more than 400,000 rubles.
• The victim's health has suffered moderate or serious harm.
• The characteristics of the workshop are contrary to the requirements of the law.
• There was a complete loss of transport.

In all other cases, the car will be repaired by the insurance company.

I received an answer from the insurance company that under the OSAGO for a dented and scratched bumper, I can receive a payment of 5,000 rubles. The car is 10 years old. For this amount in Moscow, it is unrealistic to restore the part or even paint it. What to do in such cases?

By law, the victim can only request a copy of the insurance certificate with the calculation of the amount to be paid. It is not a fact that this amount will be detailed and everything will become clear. If you do not agree with the assessment, you can file a claim with the insurer, having previously made an independent examination. If the company did not satisfy your claim, then contact the financial commissioner, and then go to court.

In which case, after an accident, an insurance company has the right to send CTP to "its" service instead of the official one?

The law stipulates that the insurance company is obliged to send the injured owner of a new car (up to two years) to a dealer service station. The insurer sends to the service stations with which the insurance company has a contract. At the same time, the car owner himself will choose the company from the list proposed by the insurer, but only by written agreement with the insurance company.

The service station should be located a maximum of 50 kilometers from the place of residence of the car owner or from the place of the accident. If there are no suitable workshops in this radius, the car owner has the right to receive a cash payment.

Why does OSAGO insure someone from my actions that led to an accident, and not me from whose fault I was injured?

The logic is this: if I have suffered, but not guilty, then the insurance will compensate me for the loss. So car owners are legally protected from other people's mistakes. And the perpetrators pay for their own mistakes on their own.

Will there be compensation for damage caused not on the road, but in the yard or in the parking lot?

Will. Under OSAGO, damage caused in any place intended for the movement of vehicles is compensated.

Is it possible to insure a car under comprehensive insurance only against a certain risk? For example, from theft?

For comprehensive insurance, there must be a minimum set of risks. For example, you can insure a car against destruction and theft or against an accident in which the culprit did not have OSAGO. Such insurance is much cheaper. It is suitable for experienced drivers who do not plan to go to insurance for minor damages.

Is a certain part of the car, for example, headlights, insured against theft?

Separately, you can insure all parts and elements of the car that are not included in the factory complete set. These are elements of tuning, for example, a "body kit" of a car, an audio and video system. In such a case, insurance of additional equipment will help in case of theft, damage in an accident, fire and actions of third parties.

Additional equipment can be insured, but only in conjunction with the car itself - for example, against theft and damage. For insurance there must be a minimum set of risks for which it is appropriate.

Is it possible to apply for comprehensive insurance by installments?

Yes, you can. For example, in VSK Insurance House, the Classic and Legacy hull insurance programs can be purchased with a 50/50% breakdown after 4 months. You can calculate the cost and take out insurance on and in the mobile application.

How to issue a comprehensive insurance cover cheaper?

There are several ways to save money on insurance:

• Use a franchise. This is part of the damage that is not covered by the insurance company. When you issue a policy using a deductible, the insurance discount will be from 5% to 40%.
• Apply for a comprehensive insurance with truncated risks. This option is suitable for those who are not worried about minor injuries. The policy provides for the coverage of one type of risk: only damage or only theft.
• Install an anti-theft system. Its presence can significantly reduce the cost of the insurance policy.
• Do not add drivers with a driving experience of up to 3 years to the policy.
• Become a regular customer. Clients who, after a year of insurance, extend it, are encouraged by the insurers with discounts and bonuses.
• If you are insured under Casco in any company, go to VSK and up to 40% depending on the bonus-malus coefficient.

You can find even more information on how to issue a comprehensive insurance policy at a lower cost.

A comprehensive insurance policy will help protect your car from theft and damage from an accident. You can get a policy in a few minutes: calculate the cost and leave a request for VSK Insurance House, and the electronic policy will always be at hand - in your personal account or in the VSK mobile application.

The "Casco classic" option is the maximum amount of insurance coverage and protection against theft of a car, its damage due to an accident, fire or the actions of intruders. Casco Compact will provide protection against the most frequent problems with the car - for example, theft or an accident caused by another driver. When registering a comprehensive insurance policy on the VSK website or in the application using a promotional code LIFEHACKER you will get an additional 15% discount.

What is a Franchise? Who is it suitable for?

An unconditional deductible is a part of the insurance benefit that the insured voluntarily waives upon the occurrence of an insured event. For example, if the cost of the policy is 60,000 rubles, and the client purchases a policy with a deductible of 12,000 rubles, then the insurance will cost 20% less - 48,000 rubles.

The franchise reduces the cost of comprehensive insurance immediately by 20-60%. For a pleasant cost, the car owner receives high-quality insurance coverage, and in return takes on part of the cost of car repairs in case of an insured event.

The franchise is suitable for accurate and experienced drivers. Its popular types are conditional and dynamic franchises. Conditional the deductible is usually used for insurance of critical risks. If the loss for an insured event does not exceed the amount specified in the contract, the insurer does not pay the insurance indemnity. If the loss has exceeded the amount of the deductible, it is fully reimbursed.

For example, if under the contract the amount of insurance is 1,000,000 rubles, and the conditional deductible is 10,000 rubles, then in case of an insured loss of 8,000 rubles, the insurance company does not pay. However, in the event of a loss of 80,000 rubles, the insurance company pays compensation.

Dynamic (or variable) deductible is calculated depending on the number of calls. This is a type of unconditional deductible that applies only from the second or third insured event. In some contracts, with each new insured event, the size of the dynamic deductible increases. For example, in the first insured event, it is 0%, in the second - 5%, in the third - 10%, and so on.

Is it obligatory to show the car in order to apply for a comprehensive insurance policy?

Yes, when concluding an insurance contract, addendum (this is a written addition to a previously concluded insurance or reinsurance contract) or renewal of the contract, the policyholder is obliged to present the insured property for inspection to the representative of the insurer.

However, there are exceptions. It is possible not to provide a car for inspection if:

• You are registering a new car in the showroom.
• Go to a new insurance company with a valid comprehensive insurance policy.
• You issue a comprehensive insurance policy using the VSK insurance mobile application. You just need to take a picture of the car when applying for comprehensive insurance.
• If this is a continuous prolongation, then there is no need to provide the vehicle for inspection.

I have two "Mini Casco" insurances in different insurance companies. When an insured event occurs, can I expect to receive payments for both insurances?

Read the terms of the contract. By law, no one prohibits insuring a car at once in two or even three insurance companies at full cost. However, when an insured event occurs, you can either get insurance coverage in one company, or in parts proportional to the amount of insurance, in each of them. This is perfectly legal and provided for by both the Civil Code and the law on insurance. You just need to notify the insurance.

Is it possible to demand compensation for damage for an accident from an insurance company, if you yourself are the culprit of the accident?

You can, if the culprit has a comprehensive insurance policy. In this case, the insurance company will indemnify for the damage even in situations where the driver is at fault. OSAGO covers damage only to the injured party.

There is a car of category D for personal use, the technical inspection is passed, but I cannot make insurance. Why is that?

Vehicle insurance of category D is a risky segment for the insurer, but you are not entitled to refuse insurance. Contacting the Russian Union of Auto Insurers can help here. Download the application form for PCA, documents for compensation payment can be provided in person or by mail of the Russian Federation.

The appeal will be considered within 20 calendar days. During this period, the insurance company is obliged to make a compensation payment to a bank account or send a reasoned refusal.

I drove into a pit and damaged the engine boot. I saw the defect a week later, the traffic police did not call. The car is insured for comprehensive insurance. The insurance website says that you can draw up a statement of damage yourself, but they refused to pay - there is no certificate from the traffic police. How to be?

The decision depends on the specific insurance company and the situation; each case must be dealt with separately. As a rule, the crankcase protection serves as an element of car protection and is reimbursed for comprehensive insurance if there is concomitant damage to components and mechanisms. Contact your insurance company for a written explanation.