Somewhere in the bowels of the handbag a mobile phone played - Lyudmila was distracted for just a couple of seconds … And he confidently went to the “zebra”, possibly deciding that Rublevka was already almost Europe. The windshield withstood the blow, and a half meter in front of the girl's face froze for a moment the picture of a man dissected by a sadistic laboratory assistant, terrifying in its naturalness. The chilling crunch of either triplex, or something else, was the last thing she remembered distinctly - everything was farther away. The “preparation” went along a parabolic path to the direction it came from - to the side of the road, and Lyudmila, reflexively pressing the pedal, flew “on autopilot” to her cottage, whether to Sherwood, or the West Side …
She came to herself only behind the high walls of the village. One look at the hostess, and then at the Lexus with a web of cracks all over the glass, the butler was enough - her hand reached for the phone. A husband immediately rushed from Moscow, then a psychologist came to her three times a week, and soon the incident was forgotten, like a nightmare. A month later, Lyudmila, as if nothing had happened, chirped with neighbors for a cup of espresso in one of the village restaurants … The usual continuation of such a story is a consequence, a court, and up to five years in a colony for a run over (Article 264), plus another year for leaving danger (Article 125) - in this case there was no place. The insurance policy completely protected the girl from everything that was connected with the accident - she never found out about the fate of the downed person, and, in general, did not think about it, and her driver’s “license” is still in her purse.
This story was told to me by Igor Goltsov, who heads the VIP branch of ROSTRAVTO - it turns out the Non-Stop program was launched by five leading insurers six months ago. And today this is a very popular among wealthy car owners application for DSAGO - voluntary liability insurance. True, at first I was surprised only by the fact of unpunished leaving the scene of the accident, because the insurance commissioners and the on-site legal assistance of the “former traffic police officers” who undertake all negotiations with colleagues have long been annoyingly advertised.
- Do not confuse, the Non-Stop program is a package of services of a completely different level! The insured is not present at any of the stages of the conduct of an accident, which is fundamentally important for people of a certain circle. I will explain … It is probably difficult for you, who live in an open society, to understand those who live in a closed (and carefully guarded!) World of big money. It's not even about the owners of large businesses and officials - they, as a rule, managed to live as ordinary citizens, and today they are faced with the realities of modern Russia, at least for work. Another thing is the young spouses and children of the powerful of this world, who received an idea of life, mainly from American cartoons. For them, who studied in Europe and spoke Russian with an accent, traffic cops are some kind of alien goblins, and the territory outside Rublevka is a “terra incognita”, along which strange-dressed and possibly hostile creatures wander …
I mentally agree with the interlocutor - on the way to the cottage I pass two settlements with the names typical for the Moscow Region: Obushki and Beautyful-forest-upon-Istra. They are separated by an eight-meter brick wall, and, in fact, an intergalactic abyss. The village is officially recognized by the state, it has a zip code and registered residents with their pensions, benefits and coupons to the rural clinic. The fashionable village is tens of times larger and resembles a city with wide avenues, but on the map in the lobby of the district administration is shaded just like a square of land allocated to Muscovites for vegetable gardens. They don’t call an ambulance and police from there - there’s no address, the gymnasiums and kindergartens there do not obey the RONO, medical centers - to the district health department, and supermarkets and boutiques - to the regional trade … Mail arrives by DHL, orderly people in uniform are wearing uniform without shoulder straps. This is another, parallel Russia, at no point intersecting with our …
And Igor Lvovich continues with enthusiasm.
- More recently, such a young lady got interrogated by an investigator - only because of a banal collision with a pedestrian! Have you ever been to the police department, inhaled this smell of bondage? The opera, soaked after the night chases, a corridor with linoleum worn down to the holes and detainees facing the wall … The person pampered by the Alpine and Canarian air will immediately faint! What is the use of the presence of the coolest and insanely expensive lawyer if she, all in Gucci and Armani, fragrant by Dior, is put in the same chair where five minutes before this they pressed a homeless person who took the phone from the student? But we managed to convince the Prosecutor General's Office that for our clients, participation in the paperwork is tantamount to torture, a convention on the prohibition of which Russia signed back in 1998. And they offered material compensation for harm on the conditions of the victims with only one of their own - neither a criminal, nor even an administrative case is opened. The decisive argument is the gradual blurring of the line between the driver and the passenger. Today, cars with the ESP system themselves brake the wheels with the required intensity, manual gearboxes and clutch pedals are a thing of the past, and tomorrow there will be only a keyboard for dialing the destination - who will you attract by the article? On-board computer? Fortunately, common sense prevailed, and today the surname of the insured under the Non-Stop program does not appear at all in the primary protocol for examining the scene of an accident, or in any other documents - as a detail that does not have legal significance, like the nickname in the car dogs.
- And remember, four years ago, one lady moved a traffic cop "Land Cruiser"?
- Of course! In 2005, there was no mention of Non-Stop policies - the poor thing had to pull his nerves in the courts and even sit in jail. If such an accident happened now, the hype in the press would only be in our hands - the newspapers would relish giant payouts. Arriving at an employee during execution, as well as ramming traffic police cars require almost the highest level of insurance protection, which costs a client 430, 000 rubles a year - it’s more expensive to just sweep a bus stop with people. Compensation will not only satisfy the most daring requests, but also, importantly, absolutely “white” - take it without any hesitation! We will make a European-quality repair in the traffic police department, equip it with new computers, and the same brand new Land Cruiser will be equipped with the most downed inspector. After treatment in an elite hospital and rehabilitation sanatorium in Wiesbaden, of course. And it is unlikely that he will wrinkle painfully every time and rub his ribs when he sees someone’s massive “kenguryatnik” - I think, on the contrary, a Djokond smile will flash on his face. Do you forget the five-star surroundings of a separate chamber and the taste of Anjou marble marbled beef that is served to patients in the dining room of the Central Clinical Hospital?..
- Wonderful! The only thing that bothers us is how would the insured not unbelted at all? Did you predict the impact of the program on public safety?
- You see, I am a businessman, and I don’t operate with such concepts as “dangerous”, “victims”, “educational role of punishment”, etc. And my clients are also business people - for us there is only a comparison of "profitable - unprofitable." Of course, the insurer, who put the company on a lot of money, automatically receives a raising coefficient - we are talking about amounts of several thousand euros. In the event of a repeated accident with equally impressive (for example, a million euros) expenses for settling its consequences, the next year’s insurance premium increases exponentially, and the client can simply refuse this type of service. And if he doesn’t refuse, then, I assure you, somewhere on the tenth corpse, an extension of insurance will not even pull Bill Gates - there will not be enough money … That is, a particularly malicious intruder will sooner or later fall into the aforementioned chair in the investigator’s office.
- Well, everything is clear with the rich, but is the Non-Stop program interesting for ordinary motorists who drive “tricks” and “Lancers”?
- Yes, the basic option is relatively affordable - only 62, 000 rubles per year, since it does not provide for any compensation for harm. But many are insured only in order not to waste time talking with the inspector in case of traffic violations. And even more so when they slow down just to check documents. It’s much more convenient to go without stopping, knowing that we ourselves will pay all the fines. And the state is guaranteed to receive this money - try it, collect it from forgetful, losing drivers receipts! But keep in mind - a client who does not stop at the wave of the rod falls under insurance protection only after a call to the company's dispatcher. He instantly contacts the duty officer of the necessary traffic police department, and the traffic police are informed by radio. Understand correctly - we do not sell indulgences, and before receiving an order to stop the persecution, the police have the full legal right to use service weapons. It’s another matter that without orientation, for example, on the collectors of murderers departing from the chase, they will not shoot at the car, because shooting just not stopping is more expensive for oneself. However, I strongly recommend that non-stopers insert 8-mm armor plates into the backs and head restraints of the seats - quite efficiently, and a thousand times cheaper than booking the entire car.
