Since the beginning of April this year, the calculation coefficient of the bonus-penalty reduction (MBM) in OSAGO has increased significantly: for emergency drivers, the MBM will increase from 2.45 to 3.92. This was reported to socialbites.ca by the press service of the Russian Association of Insurers (RSA), with reference to the Central Bank’s instruction on the new OSAGO tariffs.
“At the same time, the maximum coefficient applicable to vehicle owners who are often the perpetrator of an accident will be 3.92 (now 2.45),” said the PCA.
The new tariff coefficient will be applied when calculating insurance for contracts concluded before 31 March 2023. Also, according to the OSAGO: Public Appraisal project associated with the insurance community, citizens who have become the culprit of three or more accidents in a year will be awarded the maximum “urgent” KBM – the corresponding document was at the disposal of Gazeta .Ru (see photo). In addition, the organization of insurers already defines such drivers as “reckless drivers”.
A new method for calculating KBM for OSAGO
OSAGO: public expertise
The purpose of the mechanism is to punish reckless drivers who regularly violate traffic rules.
– Highlight representatives of the OSAGO: Public Expertise project.
Insurers have also offered some options for careful drivers – drivers with a ten-year accident-free track record will receive a 54% discount versus 50% previously. KBM is automatically updated once a year on April 1 for all drivers based on accident rates.
For more than three years, the average price of a mandatory policy of “authoritarianism” was about 5.5 thousand rubles,
Insure at the Russian Association of Insurers. However, these data were not verified during the audits of the independent auditors.
“This is a result of insurers having cars that can compete for accident-free drivers, and OSAGO’s price for them becomes much more profitable than for frequent crashers. The discounts are an additional economic incentive to reduce road accidents,” the insurance association insists.
According to PCA, in the first half of last year, after the change in the principle of calculating KBM, another 3.3 million drivers received a discount, its share is 94%.
This year, approximately 820 thousand people will be able to receive bonuses if they are not responsible for an accident this year,
insurers, of course.
rejection from OSAGO
Anton Shaparin, vice president of the National Automobile Association (NAS), believes that a sharp increase in OSAGO tariffs will lead to the fact that people will abandon their purchasing policies. He notes that insurers have many tools to save money on payments to drivers, for example, indexes of the average cost of spare parts for drivers’ compensation generated by PCA do not match real market prices. He says that the prices in them are underestimated by one and a half, twice.
“Such an increase in the cost of OSAGO can be called nothing more than explosive.
Much higher than the increase in spare parts prices.
All stories of the growth of OSAGO tariffs should begin with the adjustment of the spare parts directory, in which the payment amount is determined, now the numbers in it are old, ”said in an interview with socialbites.ca. .
According to Shaparin, one in five drivers in some parts of Russia currently drives without an OSAGO policy. Due to the increase in tariffs, car owners will only start taking a policy for one day to have time to register their vehicles.
“There are such services near the traffic police departments – a fine of 800 rubles no longer scares anyone,” he says.
The number of accidents should not be attributed to the negative concept of “reckless”, only the amount of damage should determine the cost of the new insurance,
indicates Viktor Travin, chairman of the vehicle owners’ legal protection board (KPZA).
“If I have an accident and the damage is 1 million rubles, then let the cost of OSAGO next year depend on it. And if I just scratched the bumper and the damage is a penny, why would I increase the cost of my insurance by a crazy coefficient? – the interlocutor is confused.
Vehicle owners are more concerned with the risk of the insurance company refusing to pay, not the cost of the OSAGO policy. Travin believes most people don’t see the point in “autocitizenship” because of the small compensation limits.
Source: Gazeta
