A number of changes have been made to the rules of compulsory civil liability insurance for car owners. They are regulated in paragraphs 1.1. and 1.3 of Clause 1 of the Bank of Russia Ordinance No. 6038-U of December 24, 2021 “About Amendments to the Bank of Russia Ordinance No. 431-P of September 19, 2014” on the Rules for Mandatory Civil Liability Insurance of Vehicle Owners ””.
The changes came into effect on October 1, 2022.
The insurer finds out the new number of the car itself
According to the rules, the policyholder is obliged to communicate the national registration number (GRZ) number to the insurer within three working days from the day following the day of the national registration of the vehicle and the receipt of the national registration.
Now an exception has been made: an insurer can independently receive information about a new vehicle registration number from the computerized information system of the compulsory insurance. If the insurer itself receives information about the new registration number, it will inform the car owner and also enter the relevant information in the insurance policy.
The owner is obliged to inform himself of the change of ownership
The obligation of car owners to notify the insurance company in writing of the owner’s replacement of the vehicle specified in the OSAGO policy is established.
An exception is the case when the insured has made use of the right to prematurely terminate the compulsory insurance.
The victim is obliged to communicate the results of the investigation in a timely manner
The insurance company is obliged to inform the victim of the results of the inspection and (or) independent technical expertise, independent expertise (assessment). This is done in any way the victim chooses: by sending it to an email address; placement on the personal account of the OSAGO insured or for inspection at the place of business of the insurance company. The victim must no later than 5 working days following the inspection or receipt by the insurer of the results of an independent technical expertise, an independent expertise (assessment).
Eyewitnesses are no longer necessary
According to the changes, the car owner is no longer allowed to write down and mention the names and addresses of eyewitnesses in the report of an accident when an insured event occurs.
The insurance company can independently take cognizance of the accident
The car owner and the insurance company can issue a written agreement about the insurance company’s right to receive information about the accident itself. This makes life easier for the insured person: he does not have to submit any documents about the accident in the event of an insured event. These are copies of a protocol on an administrative violation, a decision on a case on an administrative violation or a decision on the refusal to initiate a case for an administrative violation, if the registration of documents about a traffic accident was carried out with the participation of authorized police officers.
The contract can only be terminated after the disposal of the vehicle
In the event of the death of the vehicle, the OSAGO contract can be terminated early and in this case part of the insurance premium for the contract term not yet expired will be refunded to the insured.
The changes made stipulate that in the event of the death of the vehicle, the OSAGO contract can only be terminated early if there is official confirmation of the removal of the car. Namely: a traffic police document with information about the removal of the vehicle listed in the OSAGO policy from the national register after removal.