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MTPL: There Were Problems, There Are And Will Be?

2024

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Video: MTPL: There Were Problems, There Are And Will Be?

Video: MTPL: There Were Problems, There Are And Will Be?
Video: Unit 37 (38) Слово THERE в английском языке: there was, there has been, there will be 2024, March
MTPL: There Were Problems, There Are And Will Be?
MTPL: There Were Problems, There Are And Will Be?
Anonim

In 2018, the Russian “citizen” has an anniversary of 15 years. A considerable period, childhood illnesses could be cured for a long time, but drivers still complain. If earlier they complained about meager insurance compensation, now in many regions another problem is that it is difficult to buy a policy.

Most often this happens in areas that the insurers themselves have called “toxic” - this is where significant payments make insurance activities unprofitable. Here insurers are trying to minimize the issuance of policies in these regions. A policy on a motorcycle, taxi or minibus is difficult to purchase in most regions - almost throughout the country.

Campaign to the agent

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A visit to insurance agents sitting in gazelles that have grown into the ground at the registration departments of the traffic police does not work. There are practically no agents left in problem regions. And those that are, insure only "their". Moreover, even in prosperous Moscow, insurance agents are placed in a tight framework. Here is what one of them said:

“Now they give us only a few forms a day.” Therefore, we do not insure everyone, we are looking for powerful cars: a policy for such is more expensive.

- Do you take cars from other regions?

- Not! We were allowed to issue policies only to Moscow and the region. If you give it to a nonresident, they will be punished with a fine exceeding the agency commission several times. The same story with motorcycles and taxis. Refusing people is inconvenient, so you have to come up with stories about the fact that the forms have just ended.

Running in a circle

It would seem that a solution to the problem has been found - this is an electronic insurance policy, the issuance of which has become mandatory since 2017. Moreover, specifically for the hassle-free obtaining of the policy, they came up with the e-Guarantor system: if difficulties arose during the preparation of the document, the client will automatically be transferred to the PCA website (Russian Association of Insurers), where he will be redirected to a company with which there should be no problems.

For the sake of experiment I enter these cars from the Volgograd region, which insurers do not like so much. At the stage of data reconciliation, difficulties arise, they ask me to send scans of documents. I am sending them, but artificial intelligence takes me to the PCA website. Well, now they should direct me to a reliable partner. Alas, he again throws me to the PCA … The cycle is endless and meaningless!

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Problems with the acquisition of the policy of compulsory motor third-party liability insurance are reported even from reliable corners of Russia.

So, driver S. from Kaluga devoted a whole day to this tedious process. He entered the data, but there were difficulties with checking documents. After sending copies of the papers, the response every time was different: the site either hung up, or issued an error, or transferred to the PCA portal, from which it was sent to the new insurance, and it was returned to the PCA again. One thing was stable in this carousel - the lack of result. For ethical reasons, it is impossible to state everything that this motorist thinks about the e-Guarantor system in particular and the Russian insurance community as a whole.

There is a penalty for unjustified refusal to issue compulsory motor third-party liability insurance or the imposition of additional services: officials are fined 20-50 thousand rubles, legal fines 100-300 thousand rubles. Therefore, customers are sorted into “profitable” and “disadvantageous” automatically, and the failure is camouflaged for technical problems.

Against the background of our experiment, the words of the RSA President Igor Yurgens sound very strange: “Among the leaders in the sale of policies and compulsory motor liability insurance, mainly problematic regions of Russia. Thus, this project successfully solves the problem of accessibility of compulsory motor citizens.” Last year, the Bank of Russia conducted a large-scale audit of the sale of electronic insurance policies. Verdict: despite the fact that penalties are provided, problems remained.

Expert Inspection

And what will the visit give directly to the insurer? They do not have the right to refuse directly, because clause 2.9 of the Rules for professional activities to promote services in the OSAGO market says that when the insurer applies personally, the insurer is obliged to conclude an OSAGO agreement on the same day (refusal is possible only in one case - if the rest of the working day less than an hour).

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Insurers go to the trick: they require an inspection of the car - this is provided for by CTP rules. Those who arrived on their own two will have to visit the insurance again, already by car. And along the way, you look, someone will call at someone else.

The branches are often sent to the central office - they say, inspection only there. Although paragraph 1.7 of the OSAGO Rules explicitly states: “The place of inspection of the vehicle is established by agreement of the parties. If an agreement is not reached regarding the place of inspection or in the case of compilation of a compulsory insurance contract in the form of an electronic document, inspection shall not be conducted. We didn’t agree on the place of inspection, which means they must issue a policy!

As for the terms, in accordance with the Rules for the promotion of services on the OSAGO market, the inspection must be carried out on the day of treatment. And if this is impossible (for example, an expert is not in the branch) - within five days.

Vyacheslav Lysakov, First Deputy Chairman of the Committee on State Building and Legislation of the State Duma of the Russian Federation

Insurers assure us that the cause of the crisis was the fraudulent actions of "auto lawyers". Unfortunately, they were able to convince the megaregulator of this - the Central Bank of Russia. But their statement is a myth!

Insurers do not know how and do not want to work. They perceive OSAGO as a business project, although initially the project was created as a social one, aimed at reducing the number of victims on our roads. MTPL was supposed to set up drivers for law-abiding behavior. Insurers want by hook or by crook to collect as much money as possible, and give as little as possible.

Now in many regions it is impossible to buy a policy. The state itself gives rise to corruption, not providing citizens with the document necessary for driving a car. In this situation, the Central Bank is guilty, who knows about the problem, but does nothing. There is fault and PCA - a public organization expressing the interests of insurers. If insurers begin to be seriously checked, many skeletons will be found in their closets.

Additional services

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Sometimes company employees are engaged in outright extortion, offering to take out insurance for an apartment, a house, or, for example, to insure themselves against tick bites, in the burden of compulsory motor third-party liability insurance. In this case, there are two ways to get a policy.

Since 2016, the so-called “cooling period” has been in effect: you can refuse services imposed along with the MTPL policy within the next 14 days. True, this applies to contracts for a period of at least a month. Thus, you can pay a “voluntary-compulsory” policy, and then pass it and return your money.

The second option is to request a written refusal. This document together with the complaint should be sent to the regulator - the Bank of Russia, and a copy - to the RSA. In most cases, insurers pass and issue the desired document. It is preferable to visit the central office: they will not be able to “turn the arrows” to a higher organization and the staff is usually the most qualified.

Theory and Reality

A strange situation: law-abiding citizens do not have the opportunity to get a document that is mandatory for driving on roads!

The insurance community is forcing drivers to violate traffic rules. At the same time, proposals about a substantial - up to 5, 000 rubles - increase in the fine for the lack of a policy look very cynical.

Insurers want to get more money on compulsory motor liability insurance. Only for this they will have to make their business transparent.

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Ministry of Internal Affairs: the myth about car lawyers was created by insurers themselves

Insurers blame criminal auto-lawyers for everything, but an investigation by the Ministry of Internal Affairs showed that only Rosgosstrakh had significant payments in 2017. And the damage from criminal offenses in the insurance market is less than one percent of all insurance payments. In addition, every second crime is committed by managers, employees or agents of insurers.

Now about six million cars drive without a policy! Some car owners do not intentionally buy a policy, while others become involuntary violators. There is a serious crisis created by the insurance community confident in its impunity.

In the light of the foregoing, the idea of transferring “auto-citizens” to the competence of the state looks more and more attractive. For example, it is possible to sell OSAGO policies through the State Services portal. And insurers still have one recipe: they claim that the process will be increased by the increase or liberalization (in this case, synonyms) of tariffs. It's time to remember Stanislavsky: "I do not believe it!"

Author: Alexander Zhikharev

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