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.

Read More

Changes in the Law on Mandatory car insurance from 01.01.2013 (part 1)

December 25, 2012, the Federal Law № 267-FZ "On Amendments to Certain Legislative Acts of the Russian Federation and the Annulment of Certain Provisions of Legislative Acts of the Russian Federation."

In accordance with amendments to the Federal Law № 40-FZ of 25.04.2002 "On mandatory insurance of civil liability of vehicle owners" from January 1, 2013 in place a new system of AIS CTP - automated information system of compulsory insurance (CTP operator AIS - Russian Association of Motor). This system optimizes the procedure for determining the rate of insurance rates (MSC - the coefficient Bonus - Malus). This ratio is determined by the number of payments upon the occurrence of insured events that have occurred during previous CTP contracts. In line with the new system, AIS CTP, the definition of MSC is possible in the following ways:

Providing help with printing from a previous insurance company in the contract insurance ("Information on Insurance").

In the absence of information, the definition of MSC is done by querying data in the AIS SAR. This process does not take long and is made possible by the Alliance for pre-registration CTP policy.If you can not get out of the MSC system AIS SAR MSC is taken from the statements of the insured. Moreover, its value can not be less than 1.

Insurance (in the people - Motor Third) - This is a mandatory auto liability insurance, which we all carry over other people sitting behind the wheel. In other words, it is a social measure, which creates certain financial indemnity participants accidents. This means that you do not insure the car, and its responsibility to the injured party, in the event that you become responsible for an accident. All required payments you will make a company in which you purchased your insurance. Comfortable? And how!

It turns out that the CTP allows you to protect yourself from becoming a debtor due to random errors while driving, and at the same time, thanks to this type of auto insurance, you can be sure that if find yourself a victim on the road, you will not leave without pay.

Note to paragraph 3: Follow-up audit will determine the correct ratio Bonus Malus.

Provided that the insurance premium is paid at a higher level, the policyholder will be refunded the difference to provide statements to the insurance company. If the premium is not paid in full, the insurer will need to make additional payment in accordance with the correct calculation of the insurance company. In the application, you can view the presentation provided by the PCA, which explains in a simple and understandable form the main provisions of the new system.

As tariffs and rules of compulsory insurance are strictly defined by the state, the cost of the policy in all insurance companies by law to be the same. The problem of finding the cheapest option disappears by itself! You only need to choose the most reliable insurer to whom you give the "green light" and entrust their personal auto insurance liability.

To help with this option you can a company "Insure"!

By working only with trusted and most reliable insurance companies of St. Petersburg (St. Petersburg) and Moscow, Insur fast can pick you up for the right of the insurer, and specialists available to tell you all about the services, rates and prices for the obligatory insurance for your car and how how and where it can be ordered and purchased.

The calculation of the amount required to purchase auto insurance policy, you can do it yourself in just a few seconds right on our site! Simply fill out the required fields in the free online calculator CTP. Insuri company provides you the opportunity not only to calculate the cost of automobile liability insurance over the Internet, but also easy to formalize the CTP in your chosen insurer.

Find information on the companies that are already working for many years in the insurance industry and successfully engaged in the sale of policies of compulsory insurance, and learn more about their activities can also be online at our website.

Read More