The need to introduce the practice of using used spare parts when compensating insured incidents under OSAGO was explained in an interview by Evgeny Ufimtsev, head of the Association of Automobile Insurers of Russia (RSA) and the All-Russian Association of Insurers (VSS). Izvestia newspaper. According to him, this application could be introduced in the first quarter of 2023 as a pilot project in Primorye.
“You will need to prepare regulatory documents and requirements for at least three to six months to use used spare parts. We will soon contact the administration of the Primorsky Territory, where such details are most actively used, to allow the repair of used spare parts on individual issues as an experiment ”- said Ufimtsev.
Which regions did not indicate in RSA socialbites.ca, if the experiment is successful, it is planned to expand the practice of using used spare parts in the OSAGO system.
“Following the results of the pilot, if the drivers are satisfied with the quality and timeliness of the repairs, the question of extending the experiment to other regions will be raised.”
– Gazeta.ru was informed by the association of insurers.
The choice of Primorsky Krai as a starting point in the Union was explained by the alleged domestic practice of repairing used right-hand drive foreign cars (5-10 years old).
“Repair with genuine new parts is very expensive and impractical for a used car,” PCA said.
The idea of the insurers was not supported by the market regulator, the Central Bank told socialbites.ca that there is no clear and effective mechanism for ensuring road safety when using such parts.
“Furthermore, the use of used parts without the consent of the victim will significantly increase the number of disputes over both the quality of the fitted parts and the replacement in general. The Central Bank said that the detailed position of the Bank of Russia on this issue has been communicated to the professional community and relevant ministries and departments.
The insidiousness of the expression
insurers in 2018 initiated so-called “repair reform” – changes were made to the Federal Law “On OSAGO”, which determines the priority of compensation (repair) in kind for damage in an accident, that is, by default – cars must be sent. A car service contracted with the insurance company.
Cash payments are possible only if the insurance companies make such a decision, but previously this choice was with the car owner.
To date, only one in ten cars is sent to a car service, while other owners of cars damaged in accidents are compensated in cash, Rosgosstrakh told socialbites.ca.
“I would like to note that Rosgosstrakh managed to keep its share of compensation in kind (repairs at the service station – socialbites.ca) in the liquidation of losses under OSAGO. It fell below last year in the 2nd and 3rd quarters, but coincided with the level of 2021 in the 4th quarter and is now 10 percent above the overall market values,” he said.
– reported in the press service of Rosgosstrakh.
The share of insurers who repair automobiles under the scope of “auto-citizenship” through insurers should not exceed 10% before, knowledgeable and the Central Bank.
Thus, 90% of drivers get paid in cash.
single door game
The Central Bank has already reduced the burden of the insurance business by including non-original spare parts in compensation calculations with vehicle owners at the beginning of the year. terminology attached “A unified methodology for calculating OSAGO’s loss”, where all companies calculate the damage.
Maxim Kadakov, editor-in-chief of Za Rulem magazine, believes that the integration of used spare parts into the insurance directory will lead to an even greater reduction in the amount of cash payments to car owners.
According to him, insurers will pay most insurers, also based on the cost of parts in semi-legal auto dismantling.
“People often get cash back, but that money has never been enough for repairs before and it won’t be enough even with the regular spare parts prices available.
If we’re treated like a refund with “used” spare parts, then people will only get a penny.
Kadakov told socialbites.ca.
business is business
The use of parts taken from “dismantling” for repair threatens problems for car services – basically, such spare parts are sold in advertising and for cash, it is not clear how to keep records, Kadakov added. Also, the editor-in-chief of Za Rulem believes that the use of used spare parts will require additional work for cleaning and assembly, and the quality of the repair will deteriorate.
“It’s an old blue dream of insurers – they can only make super profits when using used spare parts, and now they’re using the spare parts shortage as an excuse to come back to this conversation,” the vice president said in a speech. Interview with Anton Shaparin of the socialbites.ca National Automobile Association (NAS).
According to him, the latest attempt to introduce such a norm into legislation, carried out during the “repair reform” of OSAGO in 2017, caused fierce resistance in society and on the part of legislators. As a result, the change was not adopted, he reminded Shaparin, and now repairs using new spare parts prescribed by law are used by insurers only occasionally.
Worst of all, the NAS vice president warned that the introduction of the practice of using parts from used cars for OSAGO repairs could lead to an increase in car thefts for the later sale of parts. In addition, in Russia there are no criteria for assessing the quality of remanufactured parts (in Europe there is a “rebuild” institution) and there is no legislation regulating “car dismantling” activities.
“People will be exposed to possible car theft while also getting spare parts of incredible quality through OSAGO”
Shaparin says.
End of Warranty
Legal consolidation of the practice of using used spare parts can lead to limitation of warranty obligations for the car, said Sergei Radko, lawyer of the Freedom of Choice automobile movement.
“The insurer is responsible for the quality of the repair, but it is not clear how to do this in a situation where the remaining life of the part is unknown. Accordingly, the question of the limitation of the warranty will most likely arise,” Radko says in an interview with socialbites.ca.