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A road accident is always fraught with consequences and losses, at best only financial, at worst – moral and physical. Of particular importance is always the question of who will compensate for all the associated costs? Today this problem is solved in most cases using insurance policy, which is mandatory for all vehicle owners. Let us consider in detail what payments for road accidents are provided by Rosgosstrakh, being one of the leading insurers in our country.

Features of auto protection in Rosgosstrakh

Currently, the Russian state Insurance Company is one of the leaders in the sale of auto protection policies. To complete the contract, the driver will need minimum package documents:

• passport;
• registration certificate for the car.

The certificate is usually valid for one year. If desired, you can purchase it for a shorter period of time - 3 or 6 months.

But before contacting the company, you need to have an idea of ​​what types of accident protection from Rosgosstrakh there are, and what it is in general.

As part of the program compulsory insurance the applicant has the opportunity to receive compensation for damage only if the driver who was driving at the time of the incident was indicated in the policy.

The price of the policy will be determined by many factors:

• engine volume;
• car category;
• the number of accidents in which the applied driver was involved.

But in order for the policy to take effect and its owner to be able to receive compensation, the auto protection rules established by Rosgosstrakh must be followed:

1. At least two vehicles were damaged in the accident.
2. Each participant has an MTPL policy.

It is important that both conditions are met.

Where to contact

The procedure for obtaining insurance from Rosgosstrakh after an accident begins with notifying the company of the accident. insured event. To do this, after calling the traffic police officer, you need to make a call to hotline company to invite, if it is provided for by the terms of insurance. If not, you will have to prepare the entire package of documents yourself.

But most often, drivers are faced with a dilemma, where to turn after an accident under compulsory motor liability insurance: to Rosgosstrakh, where they purchased the policy, or to the company of the guilty party? If the MTPL owner was found not guilty of the incident and the conditions listed above were met, then a representative of the second party will compensate for the damage. If the policy holder is found guilty, then it will be Gosstrakh that will compensate the victim for the damage - on behalf of the company in which the victim is insured.

Thus, the first thing a participant in an accident must do in order to receive compensation is to report the incident to Rosgosstrakh.

If a situation arises that does not lead to serious consequences, you can go through a simplified application procedure. But for this to happen, the following conditions must be met:

• there were no injuries in the accident;
• the policies remain valid at the time of the accident;
• the damage caused does not exceed 100,000 rubles.

In this case, before registering an accident with Rosgosstrakh, you should go through a simple procedure for registering an incident using. It must be carefully filled out and signed by both parties involved in the accident. After this, you should draw up a diagram of what happened and take pictures of the affected vehicles.

Only after this should you submit an application to register an accident with Rosgosstrakh.

Described here detailed algorithm action if you want to apply.

Compensation procedure

The process of receiving compensation usually goes through several stages:

1. Preparation of the package of documents required by the company.
2. Transfer of this kit to the insurer.
3. Recognition of the occurrence as an insured event.
4. Crediting funds to the applicant's account.

At the same time, registration of an accident in Rosgosstrakh may encounter some obstacles if at least one of the documents provided is drawn up incorrectly. Therefore, carefully monitor what exactly the traffic police officer indicates in the protocol.

Here is a list of what documents are needed for insurance in case of an accident under compulsory motor liability insurance purchased from Rosgosstrakh:

1. A copy of the policy owner's passport, certified by a notary.
2. A certificate from the bank indicating the account details to which the funds should be credited.
3. (issued by the road inspector at the time of recording the circumstances of the incident).
4. Notification of an accident.
5. A document that can confirm ownership of the damaged car.
6. The policy itself.

If the application to the company is carried out on the basis of the European protocol, then the applicant only needs to prepare a notification of an accident in Rosgosstrakh, filled out by both participants, photo and video materials of the accident, a policy and an identity card along with the driver’s license.

Payment amount

The financial aspect of the issue, of course, arouses the greatest interest of car owners. And there is good news: starting from 2014, the size maximum amount compensation has increased significantly. For convenience, we offer the table “Insurance payments after an accident in Rosgosstrakh”:

As for the lower threshold of payment in case of an accident under compulsory motor liability insurance, Rosgosstrakh, like most other companies, often underestimated estimated value car due to its wear and tear up to 80%. Today, insurers do not have such an opportunity, since the lower wear limit is fixed at 50%. This gives car owners confidence that they will still receive at least half the cost of the damage received.

In addition, there is a way to find out the amount of Rosgosstrakh payment for an accident yourself. On this indicator The following factors will influence:

• country of vehicle assembly;
• region of registration and insurance vehicle;

In addition, the calculation is based on market prices specific region, and therefore in Moscow and Belgorod they will differ significantly. Today the company installs next percentage wear:

How quickly can you receive compensation?

How long does it take for Rosgosstrakh to pay money after an accident for 2019? This is exactly the question most often asked by car owners. Until recently, our country had a regulation according to which a company that had undertaken to compensate for damage had to carry out this operation within 30 days, excluding weekends and holidays.

Today, this time period has been significantly reduced and now money must be credited to the recipient’s account within 20 days from the date of its application.

If the insurance company makes a negative decision regarding compensation for damage, it is obliged to notify the policyholder in writing and provide all the reasons that influenced the refusal.

Do not forget that if there are controversial circumstances, the company can individually extend the period for consideration of the application.

What clients say

The company’s reputation is clearly demonstrated by reviews of payments under compulsory motor liability insurance for road accidents of Rosgosstrakh clients in 2019. Here are just a few:

• many car owners complain that the company is not very conscientious about the service process itself. So, for example, it is impossible to leave a request online due to technical problems with the site; calling the hotline is even more problematic. And a visit to the office is complicated by the fact that by the time you decide to go there, he may already have moved to another place;
• another client of the organization from Samara complains about long queues, which are simply not possible to stand;
• but from positive feedback It is possible to identify a whole group of appeals that were satisfied by the insurer, and the applicants received the compensation they were entitled to. True, insurance cases concerned mainly minor accidents.

In short, there are so many situations, so many opinions. To avoid misunderstandings, it is likely necessary to adhere to clear procedural formalities.

How to achieve payment under compulsory motor liability insurance: Video

Life insurance contracts, insurance contracts for children, insurance for reaching the age of majority, and wedding contracts concluded in Soviet times were considered lost for a long time. Rosgosstrakh, in accordance with the Decree of the Government of the Russian Federation No. 1249 dated December 30, 2011, carries out compensation payments citizens whose insurance contracts were in force before January 1, 1992.

Procedure for paying compensation to Rosgosstrakh

Before 1992, citizens entered into contracts for life insurance and insurance for children, but after the collapse Soviet Union the exchange rate collapsed and deposits became worthless. For some time they were considered irretrievably lost, but since 2001 the government has included Rosgosstrakh in the recovery process. Payment of compensation is carried out according to the established procedure and in a certain amount. Next, we’ll look at the process in more detail, as well as how to receive compensation.

Payments of compensation from Rosgosstrakh

• A bank account will be opened automatically upon receipt of the application. That is, you will not need to perform any additional actions to open an account.
• The bank notifies you that the compensation payment has been credited via SMS or registered letter. In this case, the applicant will not incur additional expenses.
• Money can be withdrawn from the account at any additional bank branch or at a Russian Post office by presenting only a passport.

How to receive compensation payments from Rosgosstrakh

If you contacted Rosgosstrakh, compensation payments for old insurance must be made in any case. If it turns out that you received a refusal, then you need to file an application with the court. To increase your chances of winning a lawsuit, it is recommended that you first contact an independent expert company to assess the damage incurred. In addition, it would be a good idea to consult with qualified lawyers who will advise you on all issues and advise you on how best to give the matter a turn.

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Money comes back: how to receive payments from Soviet insurance

T.B.:— First of all, you need to understand: compensation is not subject to sum insured, but only contributions paid as of January 1, 1992 under savings agreements personal insurance. The amount of compensation is calculated from the amount of premiums paid under the insurance contract as of that date. For calculation, appropriate coefficients are applied depending on the year of receipt of the insurance or redemption amount. Categories of citizens entitled to receive compensation are determined annually by the relevant article Federal Law on the federal budget, and the procedure for payments and the amount of preliminary compensation are established by a decree of the Government of the Russian Federation.

In accordance with Article 15 of the Federal Law of December 14, 2014, 2015 No. 359-FZ “On the Federal Budget for 2019”, compensation continues to be paid under accumulative personal insurance contracts (mixed, children’s, wedding, pension) concluded before January 1, 1992, insurance or the redemption amount for which has not been received as of January 1, 1992.

As of January 1, 1992, 52 million Russian citizens had accumulative personal insurance contracts with Gosstrakh; in 1991 prices, the amount of premiums paid for them was 29.4 billion rubles. In total, from August 2001 to the present, citizens received compensation for 15.2 million contracts total amount 12.5 billion rubles.

Gosstrakh of the USSR money back

The amount of compensation is calculated from the amount of premiums paid under the insurance contract as of that date. For calculation, appropriate coefficients are applied depending on the year of receipt of the insurance or redemption amount. Categories of citizens entitled to receive compensation are determined annually by the relevant article of the Federal Law on the Federal Budget, and the procedure for payments and the amount of preliminary compensation are established by a decree of the Government of the Russian Federation.

Rosgosstrakh payments for old insurance

Those concluded agreements under which at the time of reorganization Rosgosstrakh still had obligations are recognized as valid. Payments are made in multiples, depending on the age of the insured and the balance of the insurance premium as of 01/01/92. The object of compulsory insurance is property interests associated with risk civil liability the owner of the vehicle for obligations arising from causing harm to the life, health or property of victims when using the vehicle on the territory Russian Federation.

Get compensation and benefits

• funds are paid exclusively to Russian citizens;
• the insurance contract must have been concluded before 1992;
• the contract could be concluded with the insurance company Gosstrakh of the USSR and its successors;
• the insurance group can be pension, children's, wedding, mixed;
• the applicant must have in hand all the documents confirming the right to payment (we will present the list below);
• the sum insured should not be paid before 1992.

Gosstrakh compensation payments for old insurances

The press service of the insurance company reminds that contract holders must contact the Settlement Center for Compensation Payments of Rosgosstrakh OJSC (RCCV), which accepts documents from citizens from all over Russia. Documents are accepted and processed until December 26, after which applications are generated in Federal Treasury will be suspended until the signing of the next resolution of the Government of the Russian Federation on the implementation of compensation payments in 2013.

Compensation for state insurance policies

For persons born between 1946 and 1991 - double; In the event of the death of the person to whom the debt is due insurance payments, relatives can benefit from compensation through inheritance. Rosgosstrakh also provides assistance in providing funeral services in the amount of 6,000 rubles. Persons entitled to receive compensation under insurance contracts, or their relatives by inheritance, must contact the local department of the Settlement Center for Compensation Payments of Rosgosstrakh OJSC (RCCV).

Gosstrakh compensation payments for old insurances

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How to receive compensation under an insurance policy for a wedding in the USSR

In Soviet times, wedding insurance made it possible to collect a decent amount for organizing a wedding. Payments were made after marriage and in cases where the marriage did not take place and the insured person was over twenty years old. Today's policy allows you to cover material costs in the event of various situations stipulated in the contract (bad weather, disruption of the ceremony for various reasons, loss of wedding rings, etc.).

The Government of the Russian Federation considered that the expected insurance payments under contracts concluded before 1922 should be considered as an internal debt to citizens. The full successor of the insurance company Gosstrakh of the USSR, PJSC IC Rosgosstrakh, has been entrusted with the calculation of compensation and its payment. A division for calculating compensation was opened specifically to deal with requests from the population. Let's find out who is entitled to compensation for insurance payments in 2019.

What is the scheme for paying compensation for insurance payments?

The insurance company Rosgosstrakh itself does not pay compensation - the money comes from federal budget, and the insurer only registers the documents. Compensation payments are assigned according to the following scheme:

1. Citizens who expect to receive compensation send documents evidencing their rights to the money to the following address: 390046, Ryazan, st. Vvedenskaya, 110 (Attn: RCCV).
2. Employees of the Compensation Payments Settlement Center study the documents within 2 months, register the application, search the database and enter information about the applicant into single base. Then the compensation is calculated and an application is made to assign compensation to the applicant.
3. The application is sent to the Regional Department of the Federal Treasury for the city of Ryazan. At this stage cash transferred to the recipient's bank account.

How much insurance compensation is paid?

When calculating the amount of compensation payments, the value of money that was in effect in 1991 is taken into account.

The amount of compensation will not be the same for everyone; it all depends on the citizen’s year of birth and the year of termination of the insurance contract:

• if the applicant was born before 1945 (incl.), the balance of contributions as of January 1, 1992 will be multiplied by 3 (previously issued compensations will be deducted from the original amount);
• if the applicant was born between 1946 and 1991 (incl.), the same amount is multiplied by 2 only.

Depending on the year the deposit was closed (the duration of the depositor’s agreement), a reduction factor from 1 to 0.6 will be applied to the payment - the earlier the deposit was closed, the less compensation will be.

If the heir of the deceased applies for compensation, he is paid a funeral benefit (maximum 6 thousand rubles) if the investor died between 2001 and 2016. But if the investor had a deposit worth more than 400,000 rubles, the funeral will be fully compensated, or the heir may receive a 15-fold increase in the account balance, at his discretion.

RK = GVA x CHM x GGR x KGZ,

where RK is the amount of compensation;

VVA – contribution under the insurance contract;

GSR is a coefficient that depends on the year of birth of the investor;

KGZ is a coefficient that depends on the year the deposit was closed.

Who is entitled to compensation for insurance payments?

To make sure you are eligible for compensation, please check if you meet the following conditions:

• funds are paid exclusively to Russian citizens;
• the insurance contract must have been concluded before 1992;
• the contract could be concluded with the insurance company Gosstrakh of the USSR and its successors;
• the insurance group can be pension, children's, wedding, mixed;
• the applicant must have in hand all the documents confirming the right to payment (we will present the list below);
• the sum insured should not be paid before 1992.

What documents are needed to receive compensation for insurance payments?

In order to qualify for compensation payments under contracts concluded before 1992, you need to prepare the necessary set of documents, including:

1. Passport of a citizen of the Russian Federation.
2. (you can open a new account specifically to receive funds).
3. Details of the bank account to which compensation should be transferred.
4. Marriage certificate (if the applicant changed his last name after marriage).
5. Certificate of change of name (if the applicant voluntarily changed his last name, first name, patronymic for any reason).
6. Insurance policy or personal account statement (or you can get an explanatory note from the insurer).
7. A document confirming the recalculation (the amounts of insurance premiums were increased by 40% in 1991).

If it is not the applicant himself who applies for compensation, but his heirs, in addition to the set of documents the following must be attached:

• death certificate;
• a certificate from the civil registry office, a certificate from the Federal Migration Service, a certificate from a notary about the citizenship of the deceased person;
• documents evidencing inheritance rights.

If information about the investor is not in the electronic database, you will have to provide a certificate from the employer or from the archive stating that insurance premiums were transferred from the employee's salary. Such a certificate must:

• contain the grounds for issuing the document;
• contain the name of the enterprise whose management issued the certificate;
• contain information about contributions in tabular form or confirmation of their monthly payment;
• contain units of measurement (kopeck or ruble);
• contain the personal data of the employee (including the time spent working for this employer) from whose salary payments were made;
• be signed by an authorized employee of the enterprise (it is also necessary to mention the position held and decipher the signature);
• be certified by a seal;
• contain information about the performer and a contact phone number for communication.

Legislative acts on the topic

Common mistakes

Error: The investor was insured in the USSR, and in this moment is a citizen of Ukraine. A citizen applies to Rosgosstrakh for compensation for insurance payments.

Among the consequences of the collapse of the USSR, which seriously affected ordinary consumers, it is necessary to mention the abolition of the Gosstrakh insurance organization. It was subsequently renamed and resumed normal operations. Knowing how to obtain compensation for pre-1992 insurance will help users recoup their investment.

Who can receive compensation

Before finding out compensation payments under Soviet insurance, it is necessary to study in more detail the list of persons who can demand compensation, as well as the grounds for payment. After the restructuring that affected this company in 1991, it was renamed Rosgosstrakh.

All contributions made by citizens in accordance with existing insurance agreements are equal to internal debt countries. According to Federal Law No. 73, this organization makes compensation payments in relation to certain categories of citizens, which allows them to compensate for losses.

A special program has been developed to receive payments

For this purpose, the government allocated about 5.5 billion rubles. The insurance compensation program is expected to be extended until 2020. It only applies to accumulative insurance agreements of various types issued before 01/01/92.

It is advisable to include among the persons entitled to claim compensation:

• policyholders who paid premiums;
• insured persons, for example, children;
• legal heirs who have received the right to claim such investments as a result of inheritance;
• representatives of any category of persons entitled to receive compensation.

One of the features of the program is making payments only to citizens of the Russian Federation. Holders of passports of other countries, including former USSR, will not be able to receive payments.

Procedure for receiving funds

If a client of this organization took out insurance for children before 1992, he can receive compensation under this program. In order to quickly receive payments, you must prepare a package of documentation and also adhere to the following instructions:

1. Fill out an application about your desire to receive compensation in accordance with the established template.
2. Attach a package of documents.
3. Send an application with documentation to the official representative of Rosgosstrakh responsible for the implementation of the program.

It is important to note that citizens need to use the services of the Russian Post, since this organization does not register requests via the Internet or e-mail. It is recommended to send such parcels by registered mail with mandatory return receipt requested. This will allow you to confirm the fact of departure in the event of conflict situations.

Where to contact

According to the instructions of the Government, the responsible institution is the insurance company Rosgosstrakh, which must make payments in accordance with current program. At the same time, the process of studying applications and making decisions on them is carried out by a specially created structural unit RCCV.

Gosstrakh insurance

It is located in the city of Ryazan, its address can be found on the official website of the organization. It is through this that you will need to send applications along with the attached package of documentation.

Statement

In order to receive compensation for contributions that disappeared after the USSR State Insurance Board was disbanded, it is necessary to draw up an application. You can familiarize yourself with the sample that should be followed when creating an application using our website.

The application must contain the following important information:

• Full name of the insured person, as well as the policyholder;
• place of conclusion of the agreement, date;
• type of insurance, for example, wedding insurance.

Such information will be used to search the organization's database for records of such an agreement. If it cannot be found, users must provide documents that can reliably confirm the fact of insurance.

Package of documents

Preparation necessary list documents should be given Special attention, since this will allow you to receive payments without additional delays. In addition to a copy of the passport of a citizen of the Russian Federation, as well as a completed application for compensation, You may need to provide a number of other documents:

• a copy of the insurance certificate;
• a copy of a certificate confirming receipt of a 40% refund;
• original certificate provided by the archive or employer about the investment.

However, any of these documents must be issued before 1991. The last option should contain information about regular payment contributions indicating the currency, payment amounts, full name of the employee and the basis for its issuance.

Deadline for receiving money

When studying the procedure for obtaining compensation in more detail, it is necessary to mention that no current legislative acts, rules and regulations do not regulate the timing of consideration of candidates' applications for payment. RCCV is solely responsible for making decisions, as well as for reviewing applications received. All payments are made by the Federal Treasury.

To get a refund you need to provide a number of documents

Payment amounts

The program assumes that citizens can claim not to receive the amount of insurance provided for in the agreement, but the amount of contributions that were made before the established date. The amount of payments may depend on the type of insurance. And also on the age of the client, which should be taken into account when drawing up an application.

When figuring out how much money can be received under the program, you should study the following conditions:

• 3 times the amount of contributions for persons born before 1945;
• 2 times the size for persons born after 1945;
• 0.6-1 times the amount for targeted insurance for children. The size of the multiplier depends on the year of payment under the agreement, as well as on the duration of the insurance.

Compensation for the cost of funeral services for clients of this organization is provided. Consumers who have paid for the funeral of an insurance company client are entitled to receive it. The size of the payment directly depends on the total amount of accumulated contributions. If it is over 400 rubles, then the compensation will be 6 thousand rubles.

In cases where total savings do not exceed 400 rubles, their amount will be multiplied by 15 and paid in rubles. Having found out how much they paid for insurance before 1992, it should be noted that the program provides for receiving payment only once under one contract.

Conclusion

Today, there is a Russian government program that provides for the possibility of receiving compensation for all citizens who were clients of state insurance until 1992. This allows you to partially compensate for losses associated with the fall in the exchange rate and other problems of that period.

The huge amount that evaporated due to inflation in those years was not forgotten. Already in 1995, the government decided to consider all the money that Gosstrakh clients contributed and did not receive back as internal public debt. The state began to repay debts only in 2001, and now this process is still far from complete.

Not all citizens who gave money to Gosstrakh during the USSR turn to the reorganized Rosgosstrakh to receive payments.

Instead, you can find out the approximate amount you should expect. Simply multiply one insurance premium by the number of months that have passed from the date of registration of the insurance agreement to January 1, 1992. The state compensates only the money that was contributed by the depositor. The amount of compensation that could be received upon the occurrence of an insured event is not added. Moreover, if there are records in the register about the client receiving insurance funds, then the final amount of payment can be reduced in accordance with the amount of compensation.

T.B.: - As of January 1, 1992, 52 million Russian citizens entered into accumulative personal insurance contracts with Gosstrakh. In 1991 prices, the amount of contributions paid for them was 29.4 billion rubles. In total, from August 2001 to the present, citizens received compensation totaling 12.5 billion rubles under 15.2 million contracts.

Absolutely right. Applications from citizens from all over Russia are received by the Settlement Center for Compensation Payments of the ROSGOSSTRAKH company in Ryazan, where the information is entered into an electronic database, the amount of compensation for each application is calculated and applications for payment are filled out. Next, the documents are sent to the Federal Treasury Department for the Ryazan Region, and the Federal Treasury transfers funds directly to citizens’ accounts.

• if the year of birth is 1945 inclusive, compensation is paid in 3 times the amount of the balance of contributions as of 01/01/1992 minus previously received compensation.
• if the year of birth is from 1946 to 1991, inclusive, compensation is paid in 2 times the amount of the balance of contributions as of 01/01/1992 minus previously received compensation.

• From the year of expiration (termination) of the insurance contract.
• In the event of the death in 2001-2018 of the policyholder/insured person who was a citizen of the Russian Federation on the day of death, the heirs are paid compensation for funeral services.

That is why documents require careful verification and reasonable calculations. RCCB specialists inform clients in writing by Russian post about missing documents or refusal to pay. You can send documents by regular mail, by registered mail, with or without notice. If you send by registered mail with notification, in this case you will have confirmation of receipt of the documents by the Settlement Center for Compensation Payments.

In Soviet times, wedding insurance made it possible to collect a decent amount for organizing a wedding. Payments were made after marriage and in cases where the marriage did not take place and the insured person was over twenty years old. Today's policy allows you to cover material costs in the event of various situations specified in the contract (bad weather, disruption of the ceremony for various reasons, loss of wedding rings, etc.).

In addition to compensation for “cumulative” insurance for adulthood or marriage, Rosgosstrakh also pays for mixed life insurance contracts concluded before 1992. Damba: Insurance for marriage (wedding) Extra pennies of the USSR during the period financial crisis. Article taken from http://www.uba.ru/anons/anons249.html?bann. 2