Changes in the Law on Mandatory car insurance from 01.01.2013 (part 2)

The online-insurance ...

Thus, it was previously assumed that the CTP policies since the beginning of 2013 will write only on-line. In accordance with this rule, insurance agents in fact could not issue policies CTP, would complicate the work of brokers. Now, however, the changes in the Law on CTP leave 15 days in which to insurers managed to pass the information about the implemented policy at the AIS CTP. The same mode is provided for the changes that are made in the CTP, for example, concerning the period of application of the TC or other terms of the contract.

Number of sources of information increases:

Changes in the law establishes that receive information about the drivers insurer may of 3 sources. This, or a certificate from another insurer, which had previously worked insurer, or its own database, or AIS CTP. By last spring the company should contact if there is no help from the policyholder. When for some reason, there is no possibility of contact with the AIS, it uses information about the MSC, which are reflected in the application for insurance. In order to avoid fraud case, the company must, within 15 days to verify the information by using the AIS data. When it turns out that the data on the class bonus Manus false, the insurance company sends the client a letter, which specifies the terms of the new calculation of the insurance premium. In addition, it contributes to the AIS information that the insurer has made incorrect data in the statement. It is worth noting that almost 10 years had "factor violations": the next time the client will have to pay for the insurance up 50%.

Over inflated prize money back

If the premium is too high for some reason, the company should return the money, spelled out in the changes made to the Law on CTP. But only if the client to make a written statement. If the premium is understated, and the client did not have time at the moment of accident make additional payment, the insurance company has no right to withhold payment of damages. However, then the insurer may charge a portion of the payment from the customer. Its size is determined in proportion of the unpaid funds to the total insurance premium.

Another important point in the Law on CTP. Check passing inspection at CTP will be much tougher than the MSC. In this case, the procedure of verification in the law is not reflected, as well as the measures that can be taken in the event of default.