The editor-in-chief of Za Rulem magazine, the oldest and most authoritative automobile publication in Russia, Maxim Kadakov attended a meeting with representatives of the PCA in the public chamber and returned from there with not the most pleasant news.
unscrupulous victim
Insurance companies want to free up their hands even more and are already using the term “bad faith victim,” which can be applied to any motorist demanding payments.
“And if this used to be meant solely by scammers, framed by the so-called car lawyers, they now openly call unscrupulous injured car owners who are just persistently striving for insurance company fulfillment of their obligations and fair payments after an accident – both for OSAGO and for comprehensive insurance. “, writes in his Telegram– Maxim Kadakov channel.
That is, anyone seeking justice after an accident is an “unscrupulous victim” for insurance companies.
Payments instead of repairs
Insurance companies are gradually switching to cash payments to victims, reducing the number of cars sent for repairs.
“Under the current circumstances, it is unprofitable for them to take on repairs, mess with gas stations, deal with the victim who is dissatisfied with something. It is easier to give him money – which, of course, is not enough for repairs, ”explains Maxim Kadakov.
Import replacement into OSAGO
Today it is difficult to name the repair conditions – gas stations can not resist them due to the lack of spare parts. Therefore, insurance companies offer to abandon the concept of “certified spare parts” and replace branded spare parts with all analogues – Chinese, Russian, Indian …
The price difference for the Toyota Camry up to 2015 is impressive:
- rear bumper (Japanese, paintable) — 40,513 rubles,
- rear bumper (Chinese, paintable) — 12,298 rubles,
- left front wing (Japanese, marked) – 35,513 rubles,
- left front wing (Chinese) – 8,856 rubles.
“But you understand that with this approach (if allowed) they will count according to the cheapest analogues, as in this example – and force us to keep taking money! Minus the depreciation of the car – that is, they will pay less than the cost of the cheapest analogues! “, summarizes Maxim Kadakov.
Repair of used spare parts
If there is no original, it can be repaired with used spare parts, according to insurance companies.
But the editor-in-chief of Za Rulem magazine asks the following questions:
- Who determines the remaining life of the spare part?
- Who prepares the spare part for installation? A used spare part always requires some kind of cleaning / refinement / preparation.
- From which cars to remove / take spare parts – from fresh or from 20-year-olds?
- Who guarantees that these spare parts do not come from fatal accidents (this is important for many)?
- How will service stations buy these parts? Via Avito? On confrontation? And where do they get money for this – in insurance company envelopes?
- How much will hijacking of vehicles “for analysis” increase with this approach?
“Representatives of the insurance community have prepared a corresponding resolution of the roundtable decision to implement all these ideas at the government level. I encountered sharp and extremely hard – as far as the normative vocabulary allows. Let’s see what the resolution of the Citizens’ Chamber will be in the end – such documents have been prepared for a long time. I’ll tell you what the result will be,” Maxim Kadakov promised.
Source: Z R
