For example, for a driver who is responsible and careful in driving, when calculating the price of the policy, a maximum 50% discount (coefficient of 0.5) is applied for long-term trouble-free operation of the car. This does not mean that the final cost insurance policy OSAGO will be reduced by this factor. Since the compulsory motor liability insurance policy currently applies to a vehicle, if the driver who is entitled to the maximum discount needs to be included in the policy, which includes the owner of another car who was involved in an accident due to his own fault, his maximum coefficient will certainly be reduced.

As planned, from January 1, 2017, the MTPL policy will be untied from the car and tied to a specific driver. In other words, for all drivers their individual bonus malus (IBM) will be calculated, which changes due to accidents of another car and driver.

2. Classes of unprofitability of drivers (KBM coefficients)

Happy New Year 2017 Russian Union auto insurers will introduce 14 individual classes for drivers (loss class “M” and 13 classes).

For example, for loss class “M” a coefficient of 2.45 is applied. For drivers who often get into accidents due to violation of rules traffic, the corresponding loss class will be assigned with a coefficient of 2.45. Such drivers will be able to take out a policy that is 2.5 times more expensive.

On this moment Loss classes apply to the car, and drivers are assigned the first class. Drivers receive a 5% discount for accident-free driving. Over the course of a year, the bonus-malus ratio may decrease by 0.05 percent. And the maximum discount for ten years of accident-free driving will be 50 percent (hence the coefficient of 0.50).

If a driver gets into an accident due to his fault, regardless of the discount provided, for the next insurance period an increasing premium of a factor of 1.55 is applied to him. Returning the bonus-malus coefficient to 1.0 is possible if you drive the car without accidents for two years.

In addition, due to the attachment of the bonus-malus coefficient to both the car and the driver, when insuring the driver who owns the car and adding other drivers to the policy for one driver, different coefficients may be applied to the same driver, depending on the number of drivers included and the coefficients applied to the driver. him and the car.

3. From 01/01/2017, all drivers will be subject to a personal KBM when applying for an MTPL policy, which will be changed annually.

At the moment, the bonus-malus coefficient is changed after the registration of an insurance contract for the next term. By decoupling drivers from their cars, they will receive a fairer BMR ratio for them. And starting from the new year, insurance companies will be prohibited from independently calculating the bonus-malus coefficient. RSA will be prepared electronically online system, which calculates the individual BMI coefficient for all drivers and transfers it to insurance companies upon concluding an insurance contract.

This will prevent abuses committed by insurance companies when calculating the price of a compulsory motor liability insurance policy.

4. Will the discount on the MTPL policy increase from 01/01/2017?

If the driver needs to be included in someone else’s insurance, the calculation will not be the average coefficient applied to two insurances, but much more fair. When a driver with a coefficient of 0.5 needs to sign up for an insurance policy, he does not lose his coefficient and he faces the minimum coefficient.

According to RSA data, a fifth of drivers, thanks to the use of the new calculation methodology, from 01/01/17 will receive a discount on the final cost of the compulsory motor liability insurance policy of 2-15% percent.

5. Will the MTPL policy increase in price without limiting the number of drivers allowed to drive?

However, with the use of the new system for calculating the bonus-malus coefficient from 01/01/17, by canceling the linking of the cost of the policy to the car, the cost of the MTPL insurance policy will significantly increase without limiting the drivers allowed to drive. At the moment, when calculating the cost of such a compulsory motor liability insurance policy, a KBM coefficient of 1.80 is used. The increase in the price of this MTPL policy will affect about 13.6% of drivers.

6. Is there a transition period with the introduction of a new system for calculating the bonus-malus coefficient?

The Russian Union of Auto Insurers, after the start of the new calculation of the KBM coefficient, has defined benefits for transition period. For example, drivers enrolled in several MTPL policies, for which several bonus-malus coefficients are applied, will be able to take advantage of the minimum BMR (at the moment, insurance companies in such cases apply the average bonus-malus coefficient.

7. Will the cost of the policy increase for taxi drivers and legal entities?

For legal entities, from 01/01/17, when applying for an MTPL policy, the average coefficient for the vehicle fleet will be applied legal entity. Naturally, companies with a large fleet will be forced to increase annual insurance costs.

The changes are especially inconvenient for large taxi fleets, whose cars often get into accidents due to the fault of the drivers themselves. Starting from the new year, at least one driver getting into an accident will lead to a significant increase in insurance prices in the next calendar period.

8. Will the cost of the MTPL policy increase if a driver who was previously involved in an accident through his own fault is added to it?

New rules for calculating the price of an OSAGO policy after January 1, 2017, when several drivers are included in the policy, provide for its calculation for the driver with the worst KBM coefficient. In the process of applying for a policy, any car owner must carefully study the innovations and take a responsible approach to adding a driver to the MTPL policy, to whom a large KBM coefficient is applied. Due to the accident rate of such a driver, the final cost of the MTPL insurance policy will increase significantly.

June 2016 will be remembered for another and rather massive attack on the rights of motorists. Moreover, we are not talking about new amendments to the Traffic Rules - changes are proposed to completely different laws, but they threaten car owners and especially their wallets.

Insurers have achieved the expertise they need

One law has already been adopted by the State Duma and even approved by the Federation Council. It states that the validity period of insurance rates for compulsory motor liability insurance cannot be less than a year, and the victim in an accident will now be prohibited from conducting an independent examination only on his own initiative.

Changes in the federal law"On compulsory insurance civil liability owners Vehicle» regarding the validity period of insurance tariffs for compulsory motor liability insurance, stipulate that the validity period of the maximum amounts of basic rates of insurance tariffs established by the Bank of Russia cannot be less than one year. That is, even if you are going to drive a car for a short time, it is now impossible to buy a policy for three months or six months - you will have to pay for the year at once. The regulation comes into force on September 1, 2016.

Perhaps a much more unpleasant innovation for car owners will be the need to provide the car to the insurer for inspection in order to receive compensation under the “automobile insurance policy.”

The insurer will be obliged

inspect the damaged vehicle (hereinafter we will limit ourselves to the abbreviation TS) or what is left of it, and organize an independent technical examination and assessment. Moreover, within a period of no more than five working days from the date of receipt of the application for insurance payment (with attached necessary documents) or direct compensation for damages. In this case, the law prohibits the victim from independently organizing an independent examination or independent assessment insured property.

And if the victim does not present his car for inspection, the insurer has the right to return the application submitted by the victim without consideration. Such amendments have long been lobbied by insurance companies. They have repeatedly stated publicly that they were suffering heavy losses from the activities of auto lawyers, who bought the right to claim compensation for losses and through the court forced the insurer to pay not only what was provided for in the MTPL policy, but also the costs of legal assistance. That is, strictly speaking, not only did the lawyers themselves receive good fees, but the car owner also received much more than the insurer was willing to pay him.

Moreover, the victim did not have to waste time arguing, provide the insurer with a car for inspection and wait until he makes a decision on payment (or refusal to pay). He immediately received a substantial amount from lawyers, who then conducted an independent examination themselves, assessing the car and the costs required to repair it. Now such a “number” will not work.

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And this is very sad, since the examination carried out Insurance Company, can be called “independent” with a certain degree of convention. As a rule, experts “lured” by insurers greatly underestimate the cost of the car and the necessary spare parts, which is why the victim, if he receives compensation, is only in an insignificant amount, which is not enough even for “garage” repairs.

Insurers asked to prohibit the assignment of claims altogether, but they were immediately made clear that this was a generally accepted practice consistent with civil legal relations. Therefore, auto lawyers do not lose the opportunity to sue insurance companies, but now they will have to contrast their expert assessments with the results of the examination organized by the insurer.

The Central Bank will punish unscrupulous insurers

There is, however, some good news. Car owners have found an effective, albeit time-consuming, way to obtain an MTPL policy from insurance companies without any additional conditions(life insurance and other imposed services). Having filmed the refusal of employees of one of the insurance companies to issue an MTPL policy on the day of application, they sent this video to the Central Bank, which controls the activities of insurers. The result is a fine against the director of the company. Two fines for two applications, each of which amounts to 50 thousand rubles, is a serious punishment, the applicants from Ivanovo themselves believe. After that, the policies were issued to them without any further discussion. True, the procedure took four months.

Lawyers consider this decision of the Central Bank to be a precedent. If you want to punish an insurer for refusing to sell a compulsory motor liability insurance policy on the day you contact the insurance company, you can refer to the existing precedent and, without bringing the case to court, get the unscrupulous company to comply with the law.

The government “stimulates” debtors

The second proposal is not even a bill yet. However, the Government of the Russian Federation intends to make changes to the laws “On Road Traffic Safety” and “On Enforcement Proceedings”, and therefore there are good reasons to believe that the amendments promulgated by the Cabinet of Ministers will be adopted. And they, in particular, contain a ban on debtors registering a car and obtaining a driver’s license.

“will encourage debtors to repay debts under enforcement proceedings.”

Amendments are proposed to the Federal Law “On Enforcement Proceedings” obliging credit organizations, mail, as well as other bodies or organizations through which payment is made Money to pay off the debt enforcement proceedings, immediately send information about their payment to the State Information System.

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And in the Federal Law “On Road Traffic Safety” it is proposed to introduce bans on vehicle registration and passing examinations for the right to drive vehicles by persons with outstanding debt, the amount of which exceeds 10,000 rubles. If information about such debt is included in the data bank, but information about payment is missing, then measures “necessary for the implementation of the tasks for enforcement judicial acts, acts of other bodies and officials.”

An excellent idea, which is fully consistent with the general political course of putting pressure on negligent debtors. There have already been proposals not to provide them government services: do not register marriages, do not issue passports and other documents. But the first to suffer, as usual, will be car owners, who, as is believed in the corridors of power, have something to lose.

When this law is passed, the only dispute that can arise is as to the nature of the outstanding debt. Some deputies believe that all debtors should be punished, including, for example, malicious alimony payers, others - only those who have accumulated unpaid fines for violating traffic rules. However, those who are just going to take the test and get a driver’s license obviously will not fall into the second category.

The corresponding solutions, according to the authors of this crazy idea, will increase road safety, “since it will be more difficult for junk cars to get on the country’s roads,” and buyers will be confident in the safety of the cars they buy. But the main thing, of course, is that dealers will receive additional earnings, and the budget will receive additional tax deductions, the amount of which, according to expert assessment, can reach 3 trillion rubles annually. The Russian Ministry of Industry and Trade has not yet admitted that it is very interested in this proposal, and says that it is only going to consider the need to make such decisions.

And although the Russian Automobile Dealers Association hastened to refute this information in order to reassure car enthusiasts, they, of course, immediately began to sound the alarm. In the words of Oleg Moseev, vice-president of the Association, “We have always advocated the civilized development of the used car market. Without any restrictions! Therefore, no one seems to believe there will be a ban on the sale of used cars.

In this situation, car owners can only be reassured by lawyers who have already expressed the opinion that such a restriction of rights would be unconstitutional, since it violates not only freedom of contract, but also the right of a person to dispose of his property as he sees fit.

However, if it is still prohibited to sell a car second-hand, then Russians will easily bypass the ridiculous prohibitions by starting to “donate” their cars (in exchange for money that is not accounted for anywhere). Or the long-forgotten mechanism of selling cars by proxy will be revived everywhere.

The current legislation provides for fundamental changes in the work of the insurance company. From the beginning of next year, the opportunity to purchase or renew an MTPL policy online will be provided by all insurers without exception, and the Single Agent system has begun to operate, designed to facilitate the purchase of a policy in unprofitable areas.

Ingosstrakh launched e-OSAGO, and Rosgosstrakh insures selectively

The November statement by Ingosstrakh representatives about the start of online sales of compulsory motor insurance this year is true. In early December, the company opened a service for issuing and renewing e-policies. The purchase of such insurance is available on the company’s website after entering the necessary information into the application form, checking it and then calculating the cost. Bye You can pay for your purchase via payment system WebMoney or Alfa Bank Internet resource, but in the future it is planned to expand payment options.

The service is currently being debugged, and shortcomings are being eliminated and corrected in operational mode. The detailed process will soon be published on the Ingosstrakh website as a separate step-by-step instruction, although the advantages and disadvantages of the service are already being actively discussed by forum users.

At the same time, the recognized “pioneer” of the sales market Rosgosstrakh is in no hurry to open public access to e-OSAGO registration, suspended back in March of this year, although users noted a short-term connection to the service in early December. Currently, the resource is not functioning, but according to messages from forum members, some subscribers are receiving SMS with offers to issue e-policies, probably the insurance company continues to work with “profitable” clients.

Which “single OSAGO agent” is real and which one is a scammer?

The legally established obligation of insurers to sell to all car owners without exception, regardless of the level of loss, is not always fulfilled by the insurance company, since they were not obliged to sell policies in all Russian regions. And there are enough problem areas in the country: in the south of the Russian Federation, thousands of motorists stand in queues for weeks, ready to purchase the coveted policy on any terms, even with a hefty package of unnecessary services.

It was precisely this situation that provoked the RSA and the Central Bank to launch an unusual method of selling compulsory motor third party insurance (MTPL) insurance by all insurance companies - the organization of the Single Agent, which randomly issues policies for a list of cars distributed by the RSA in disadvantaged regions.

Such a system is quite cumbersome and not always convenient, but it is capable of somehow resolving the current situation. The agent system includes exclusively companies that are RSA participants, united by an agreement on joint work to increase the availability of MTPL services in certain territories of the Russian Federation. The addresses of these insurers are published on.

Implementation through a Single Agent excludes the issuance of online policies; it is carried out only in the offices of the insurance company.

It is clear that the scammers could not help but take advantage of the situation and launched one-day websites with the inviting names “Unified Agent of OSAGO”. You can distinguish them by advertising calling for the purchase of e-policies., which is impossible, since online sales are not allowed when carrying out agency activities. In addition, one should be wary of the requirement to transfer funds for services to Yandex.Wallet, which is unacceptable for official sites that accept payments using bank account details.

Read reviews before asking for help. You can buy an e-policy without the risk of being deceived only on the official website of the insurance company.

The Saratov region has officially become a problem region under compulsory motor liability insurance

From December 6th The Saratov region has expanded the list of unprofitable (for insurers) regions of the country, in which implementation is carried out by a Single Agent. A list of companies practicing this type of insurance is planned to be published some time later.

This system provides for a scheme where each insurance company sells the policies of all other insurers united by an agreement that is binding on participants - members of the RSA. Failure to fulfill obligations may result in loss of license and expulsion from the organization. The agent system is practiced in 9 Russian regions, in the southern regions, Bashkortostan, Tatarstan, Mordovia and Ossetia.

The addition of the Saratov region to this list is due to sad statistics: for the 9th month of 2016, the insurance company paid more than 600 million rubles, half of which (293 million rubles) went to pay overhead and legal expenses, which caused a crisis situation, since it is not profitable for insurers to sell policies in the region.

According to RCA data, in October 2016, the total sales volume in the new system amounted to 127 thousand policies. However, it is not yet possible to verify the accuracy of this information. The weak functioning of the system allows insurers to mechanically “pass” an ordinary client to the status of a Single Agent, increasing the indicator. There is no criminal component here, but it is too early to rely on statistical data.

Both legislators and ordinary motorists pin their hopes on the upcoming reform to introduce, since theoretical calculations are very optimistic. With the advent of next year, practical results will be visible.

The Ministry of Finance disagreed on the reform of compulsory motor liability insurance with the Central Bank and RSA

The outgoing year is generous with the most various proposals for reforms of the insurance market under compulsory motor liability insurance, emanating, as a rule, from the Central Bank, RSA and the Ministry of Finance, which recently completed work on a number of legislative amendments. News analysis showed that the proposals of the Ministry of Finance are often not shared by the Central Bank and the RSA. The disagreements are expressed as follows:

• The Ministry of Finance does not accept the principle of “repairs instead of money”, as the Central Bank sees it - the naturalization of payments, implying a transition to compensation for damage not by financial coverage, but by repair work at the service station at the expense of the insurance company. The President of Russia spoke about a similar change in April 2016. In the summer, deputy Emelyanov introduced a similar project to the Duma and preliminary considered it in October. However, the question is who should make the decision to send the car for repairs or pay sum of money, remained open - the Central Bank and the Ministry of Finance did not come to an agreement. Emelyanov’s bill proposed that the solution to this issue be transferred to the jurisdiction of the insurance company, acting at its own discretion, but fulfilling the condition: the service station where the car is repaired must be located near the place of residence of the injured car owner.
• The Ministry of Finance does not agree with RSA’s proposal to implement e-OSAGO on the RSA website, and not only on the websites of direct insurers, which probably aims to control partners in terms of unlawfully limiting sales volumes. The Ministry of Finance motivates its disagreement with the danger of creating RSA, a kind of analogue of the Single Agent online, as well as with a legislative prohibition intermediary services when selling e-policies.

The Central Bank has relaxed the rules for the sale of e-MTPL. Half an hour for registration? No.

According to Vedomosti newspaper moderated the requirements for technical problems in the operation of insurance company websites for the implementation of e-policies. We are talking about eliminating situations where insurers sabotage online sales, citing technical problems in the functioning of services.

These very stringent requirements caused quite justified protests from insurers, since not everything depends on the insurance company itself. Their websites interact with various third-party services (RSA, technical inspection database, etc.), which also work unstable, which has been noted more than once by ordinary motorists and officials.

Vice President D. Bystrov noted that IC employees have repeatedly encountered the impossibility of accessing RSA and EAISTO services, etc., and, accordingly, continuation of the e-policy registration. And although the number of such troubles is noticeably decreasing, it is still impossible to speak confidently about the uninterrupted operation of services.

The changes announced in the document concern an increase in the permissible time periods for the site to freeze. From January 1, 2017, software services can legally be idle for up to 30 minutes, as opposed to the 2 minutes established by the previous project. SK is also allowed to carry out monthly maintenance at night, notifying users about this on home page site one day before the start of work.

However, the conclusion voiced in the media about the possibility of issuing an e-policy within half an hour from the moment of drawing up the application is incorrect, since the information entered by the buyer must completely coincide with the data, and information about the availability of a technical inspection is checked against the EAISTO database. Everything takes time, and the interpretation of “registration in half an hour” is at least incorrect.

An order to prevent website downtime for more than half an hour does not at all mean the insurer’s obligation to sell an e-policy within 30 minutes.

OSAGO in a new way. Video

The Ministry of Finance proposes to create three MTPL tariffs

The Ministry of Finance has completed work on amendments to the current law and sent the project document to the relevant authorities for review and discussion. The planned timeframe for consideration of proposals, according to TASS, is spring 2017, and entry into force is 2017-2018.

No sensations are expected; all issues initiated by the Ministry of Finance, as well as the Central Bank and deputies, were submitted for discussion throughout 2016.

Offered:

1. Introduction of 3 tariffs for MTPL insurance:

• "economy" with current payments in the amount of 400 thousand rubles. for property restoration, 500 thousand rubles. – for rehabilitation;
• "standard" with an increase in the limit to 1 million rubles;
• "premium" with a limit of 2 million rubles.

1. Install size limit fine 10 thousand rubles. for late payments, sanctions are calculated based on the amount of 200 rubles. for each overdue day;
2. Carry out reform of the KBM system OSAGO;
3. Reduce or completely eliminate the correlation of the cost of the MTPL policy to the power of the car pm;
4. Expand with the provision of the insurance company the right to determine the path to determining insurance tariff coefficients.

The listed proposals are set out in a draft document that has not yet been agreed upon with other authorities. It is possible that during the discussion they will undergo significant changes, or will be completely rejected by parliamentarians.

The Central Bank of the Russian Federation gave Rosgosstrakh six months to eliminate violations, due to which it limited the company’s license for compulsory motor liability insurance.

“Set a deadline for eliminating identified violations—six months from the date of publication of the order,” says the Central Bank’s order, published on Wednesday in the Bank of Russia Bulletin. Note that the restriction on the validity of the Rosgosstrakh license comes into force on May 27.

A day earlier, the Central Bank limited the validity of the license of Rosgosstrakh for the implementation of compulsory motor vehicle liability insurance for vehicle owners.

The decision was made “due to the company’s failure to comply with fixed time regulations of the Bank of Russia regarding violation of the procedure for concluding MTPL agreements, in particular the application of the bonus-malus coefficient, which takes into account discounts and allowances for basic tariff depending on the availability of insurance payments when calculating the insurance premium for compulsory motor liability insurance.”

According to the regulator,

the insurance company did not provide car owners with a legal discount for breaking even, unreasonably refused to conclude contracts, and imposed additional services were of a massive nature.

“From April 1 to May 25 alone, the Central Bank received more than 2,300 complaints from citizens about the actions of Rosgosstrakh when concluding MTPL contracts,” the regulator said in a statement. — Since the beginning of the year, 385 orders have been issued to the company, 78 decisions have been made to bring administrative liability under Art. 15.34.1 Code of Administrative Offenses (unreasonable refusal to conclude a public insurance contract or imposition of additional services when concluding a contract compulsory insurance)».

Let us clarify that restricting the validity of an insurer’s license means a ban on concluding MTPL contracts and making changes to existing contracts that entail an increase in obligations.

At first zero years The government of the Russian Federation began to seriously think about organizing a unified and compulsory insurance system for car owners. As a result, all the ideas resulted in the release of the Federal Law “On Compulsory Motor Liability Insurance”.

Over time this legislative act changed, which can be clearly seen when considering all the amendments made to it. The latter are almost annual and are of great importance for all motorists. It is the amendments to the law “On Compulsory Motor Liability Insurance” that will be discussed in today’s material. More precisely, our resource will examine in detail the changes made to the compulsory insurance system for 2016 and 2017.

Federal Law “On Compulsory Motor Liability Insurance”

The Federal Law (FL) “On compulsory civil liability insurance of vehicle owners” was adopted by the State Duma of the Russian Federation in April 2002. Since that time, this legislative act has regulated the procedure and general obligation for all car owners in our country who operate their cars on the roads to obtain compulsory motor liability insurance policies. common use. Exactly to this law should be contacted if you are interested in any questions regarding compulsory insurance auto liability.

In general, the Federal Law “On Compulsory Motor Liability Insurance” regulates that any car owner must take out an insurance policy for his car and specifically for himself, which in the event of an accident will cover the costs of damage to the injured party. Automobile insurance is carried out by all insurance companies in accordance with current laws RF. The absence of an MTPL policy is administrative offense, as a result of which it is punishable.

The Federal Law “On Compulsory Motor Liability Insurance” consists of 6 chapters, which combine 34 separate articles into a single system. All of them are regulators of one or another part of the process of registration and use of a compulsory auto insurance policy. Summarizing the information presented in the Federal Law, we can highlight that:

In accordance with the Federal Law “On Compulsory Motor Liability Insurance” it may change. However, all amendments should be aimed at simplifying the compulsory insurance procedure and obtaining other benefits from the insured persons. It is worth noting that similar practice is being actively implemented in Russia, therefore, since the Federal Law came into force, it has been significantly modernized.

Important! The Law “On Compulsory Motor Liability Insurance” is a codified act that regulates the general procedure for compulsory motor third party liability insurance by citizens of the Russian Federation and is subject to some amendment.

Amendments to the law in 2016

It is worth understanding that making changes to any law is a slow process. Despite the fact that this practice is already quite well established in the Russian Federation, its implementation takes a lot of time. Thus, amendments to the law “On Compulsory Motor Liability Insurance” in 2016 were made based on decisions taken by the government back in 2015. Of course, the government is not at all to blame for this phenomenon, because changes to the Federal Law are first proposed, then considered, and after that they are adopted and after some time come into force.

As for the law “On Compulsory Motor Liability Insurance”, in 2016 amendments were made to it several times: in the summer and autumn. Changes to the legislation were proposed by many individuals and organizations (State Duma deputies, associations of insurers, etc.), but all of them were aimed at improving the compulsory motor insurance system. Summarizing the entire list of amendments, we can highlight the following:

• Changes in the procedure for inspecting vehicles damaged in an accident. In accordance with them, the insurer undertakes to conduct an examination of the damaged vehicle within five working days after its department receives a statement about the accident. insured event and compensation for damages. After the inspection, the insurer must notify the insured person of the results. If there are disagreements between the insured person and the insurer, the former has every right to conduct an independent examination at his own expense to defend his position in court or before the insurance company.
• Changes regarding the obligation to conduct an examination by the insurer, and not by the victim. Now, the insurance company has every right to refuse payment if it itself has not carried out an examination of the vehicle injured in the accident. That is, the primary right to check the car is not with the victim (through his experts), but with the insurance company. Otherwise, the insurer has good reasons to refuse to pay for the damage.
• Changes in the procedure for resolving disputes between the insurer and the victim. At the moment, the period for verifying arguments on the part of the victim in a dispute with the insurer is not 5 days (as was previously), but 10 days.
• Changes in the procedure for providing an electronic MTPL policy to the State Traffic Safety Inspectorate. Let us remind you that since the summer of 2015 it is completely legal to issue electronic MTPL policies. In accordance with the amendments, a car owner who has an electronic MTPL can provide traffic police officers with a printed version of the document. The latter can simply check its legality using their database.
• Changes in the possibility of changing the cost of compulsory motor liability insurance on the part of the Central Bank of the Russian Federation. Today, the Central Bank of the Russian Federation and other authorized organizations can change the cost of issuing an MTPL policy no more than once a year.

As you can see, there are no particularly significant amendments to the Federal Law “On Compulsory Motor Liability Insurance” for 2016. However, for " general information“It was still worth considering them.

Amendments to the law in 2017

Amendments to the law on compulsory motor liability insurance in 2017 are more significant and global in nature for drivers who take out the appropriate insurance policies. At the moment it can be stated that in this year The Federal Law will be changed twice:

• The first time has already come, the amendments of January 1, 2017 came into force. All of them are aimed at improving the system electronic insurance in the Russian Federation.
• The second time will be more global. Amendments to the so-called second change will come into force either in the spring (March 1) or in the summer (June or July 1) in 2017. They will be more global in nature than the amendments to the Federal Law dated January 1.

To fully understand the picture, let’s look at all the amendments to the law “On Compulsory Motor Liability Insurance” that have entered into and are potential to enter into force. First, let's take a look at the changes dated January 1, 2017, which are already in force. More precisely, they are:

• Amendments to situations in which additional payment for damage in the event of an insured event will have to be made by the car owner himself (naturally, for whom the MTPL policy is issued and who is at fault for the accident). In accordance with the amendments made to the law, the insurance company has every right to recover from its client some part of the compensation upon the occurrence of an insured event, if the insured person has in any way violated the registration rules electronic MTPL(entering incorrect data, incomplete payment, etc.).
• Amendments to the procedure for registering electronic MTPL. Now, when applying for an electronic MTPL policy, the insured may not provide a complete list of documents in in electronic format. This is due to the fact that most insurers had access to unified system interdepartmental electronic interaction. From there they can take it all necessary information to issue a policy for a specific citizen.
• Amendments to general order receiving MTPL policies issued via the Internet. According to the amendments made to the law “On Compulsory Motor Liability Insurance”, any insurer undertakes to issue an electronic policy to the car owner who submitted the corresponding application to the company. Refusal of registration is possible only on legal grounds. If the insured person wants to receive the policy not only in electronic form, but also in physical form, he must: notify the insurer about this and receive the policy in his office for free or order the policy for home (delivery payment is made by the insured person). Insurers are also now required to ensure the uninterrupted operation of their Internet resources, otherwise they will be punished.

Amendments to the law “On Compulsory Motor Liability Insurance”, which are still being considered by the government, will also be adopted in 2017. The exact date has not yet been determined. The general list of potential changes affects the following aspects of compulsory car insurance:

• increase in the cost of obtaining a compulsory motor third party liability insurance policy for repeat offenders;
• refusal to use power factor when calculating the cost of compulsory motor insurance;
• refusal to pay compensation material means, but providing compensation by repairing vehicles damaged in an accident at a specialized service station (without taking into account the natural wear and tear of parts);
• introduction of mandatory registration of compulsory motor liability insurance for foreigners (when they operate their cars on the roads of the Russian Federation);
• changing a number of categories of transport that should not be insured under compulsory motor liability insurance;
• promotion maximum limit obtaining insurance without registering an accident with the traffic police (from 50,000 rubles to 100,000);
• changes in the procedure for compensation for damage to the health of victims of road accidents under compulsory motor liability insurance.

Of course, some of the amendments presented above will not be adopted in 2017. However, it is quite realistic to count on making 5-7 changes. Moreover, all potential amendments have a positive tone for the entire system of compulsory motor insurance in the Russian Federation.

Important! All potential amendments to the law “On Compulsory Motor Liability Insurance” in 2017 will be considered and approved/abolished before entering into force in the winter of the same year.

Conclusion

In general, the new amendments to the law “On Compulsory Motor Liability Insurance” are positive for all subjects of compulsory motor insurance. At the moment, no global changes to the Federal Law have been adopted, but in the future such a practice is possible. It is worth understanding that most of the amendments were made to improve the operation of the electronic insurance system in the Russian Federation, which was released not so long ago.

Do not forget that the information presented above is relevant for 2017, so it can be safely used by any car owner for their own purposes. We hope the article provided answers to all your questions. Good luck on the roads!

Video about amendments to the law “On Compulsory Motor Liability Insurance” in 2016-2017: