Unified methodology for calculating damages for OSAGO. Unification of the calculation of loss for OSAGO

In 2014 the new valuation methodology came into effectdamage after an accident. The draft and concepts of pre-trial dispute settlement were developed by the Ministry of Transport in 2003, but for 11 years they were not involved. Insurers have been calculating damage all this time in their own way. But when the plenum of the Supreme Court extended the law "On protection of consumers' rights" to OSAGO, we decided to recall the document.

Prerequisites

The average payment under the MTPL insurance policy, according to the dataThe Russian Union of Motor Insurers (RSA) is 36 thousand rubles, and through the court - 50 thousand rubles. (without penalties). According to statistics, every sixth claim is satisfied. Insurers suffered losses. Yes, and the victim has a long time to mess around with the papers. First 30 days to wait for the first decision. Then another 20 to challenge him, and after that go to court. Therefore, the SAR recalled that a unified methodology for calculating damages for OSAGO was developed and decided to use it. It should remove up to 80% of the disputes and narrow the gap between the experts' assessments. As a result, drivers will receive real money, not through a court, but from an insurance company (UK).

Content

Unified methodology for calculating damages for compulsory motor TPL insurance (2014).) includes price directories for different territorial zones. They contain data on the cost of 80 million spare parts for 67 car brands, the prices of standard hours and certain types of repair work. These documents determine the procedure for calculating costs in the event of a decision to carry out restoration work. The base is the real cost of spare parts, taking into account all customs duties and other cheating.

Disagreements

The problem with appraisers is also solved by a singlea technique of calculation of damage on OSAGO. The project contains the rules for carrying out the examination. If the company has already concluded an agreement with an appraiser, then the client will have to use his services. The insurer has the right to inspect the damaged vehicle (TC). And the owner must provide the car for expert examination by law. In the RSA believe that a unified methodology for calculating damages for OSAGO will get rid of unscrupulous car therapists. Whether this is in fact, practice will show.

Spare parts

Previously, when calculating damage, the averagecost of parts. Insurers could change it at their own discretion. Dissatisfied car owners challenged the decision through the court. Only in 2013, 600 thousand suits were filed. While in the US courts do not do such things at all, as companies use officially fixed cost of parts for cars, which reduces all differences to naught. For the same purposes, a unified methodology for calculating damages for OSAGO has been developed.

Since September 1, the regulator has increased the amount ofconventional and euro-protocol up to 400 thousand rubles. The amount may be enough to cover the damage. But only now it will be calculated according to new standards. The handbook was compiled at the rate of the ruble at the beginning of 2014. Update the prices of PCA promises once a year. Question: what to do to the victims during this time? Compensate for losses at one's own expense? Another problem: some types of damage can be seen only on a special stand. And it is not present in all services, let alone appraisers. As a result, money for the procedure will not be allocated, and the amount of compensation may not be enough for a comprehensive repair.

Individual calculation

If the car owner has an exclusivea detail that will not be presented in the directory, then the insurers will calculate the costs in the old-fashioned manner, that is, manually. To do this, the expert will collect statistics on the prices of the unit and will deduce the average price.

Depreciation is preserved

The depreciation of the car now depends on the ageTS. This question has caused a lot of controversy. Various options have been proposed, up to the request of the dealer's data on the date of production of the particular machine. But have stopped on that the age will be calculated depending on the number of full years of run. So insurers will not spend a lot of time on the calculations and violate the timing of the decision, which is now limited to 20 days. For middle-class cars, the difference in the calculation of data between the directory and market prices is 20%, and for "steep" machines the difference can reach up to 300%.

Unified methodology for calculating damages for OSAGOprovides wear not for all parts. Without damping, there will remain a brake and steering system, optics, seat belts - that is, the elements without which the operation of the car is prohibited. For all other details, the prices are based on 50% wear.

A new coefficient has appeared

Individual indicator will be calculated ifsome detail is worn out more than is necessary by age. For example, if the car was previously repaired, or a year-old car will find a wing with three layers of putty.

Other nuances

A uniform methodology for calculating damages for OSAGO (October,2014) provides a calculation error of 10%. In theory, this figure should be compensated by inflation. In practice, this can be a good loophole for reducing the amount of settlements. If earlier such problems were solved through the court, now the decision will be much more difficult to challenge, because in the calculations an official document is used. The second minus - the technique does not overlap the old schemes, when the payments were completely denied.

The situation with respect to cars onguarantees. If earlier damage on such vehicles was calculated at dealer prices, now the calculation will be carried out according to the directory. Therefore, if you have a car for warranty, it is better to purchase a CASCO policy.

What should dissatisfied drivers do?

Certain changes have already been made by a unified methodologycalculation of damage for OSAGO. October 2014 was marked by an increase in tariffs and the maximum amount of payments, without which the implementation of a new scheme is impossible. But to achieve the results promised by the RSA, it is unlikely to succeed. Dissatisfied drivers are left either to issue a CASCO, or go to court. Both the first and second will bring additional costs. Therefore, questions arise as to the appropriateness of the new methodology.

Conclusion

Unified methodology for calculating damages for OSAGO in 2003development came into effect only in 2014. It shows the calculation of spare parts and works for all possible brands of cars. Most of the disputes are about prices. They should be updated once a year. In the absence of devaluation of the national currency, there should not be any problems. But the methodology does not provide for carrying out costly tests, does not overlap any existing refusals in payment and contains an admissible error in calculations of 10%. How much will be abused by insurers with these shortcomings, will show practice.