While there are loud disputes and discussions about the increase in tariffs for insurance , almost no one paid attention that the price of policies for most motorists, in particular for the perpetrators of road accidents, will increase significantly. We asked about the increase of auto–instructors , and this is what they told us.
New information system insurance
It turns out the fault is not at all the increased insurance rates, but the automated information system – AIS OSAGO. The basis of this system is the insurance history of all customers, on the basis of which the tariff will be calculated. Driving instructors believe that this is good for those drivers who drive without an accident, but bad for those who are often responsible for the accident.
It is planned that all insurance companies will enter the data of their customers in this single database over the past two years. Now, any insurer will be able to see how many times a driver has had an accident, whether he was the culprit.
How does insurance work?
AIS will work quite simply. After the sale of the policy (no later than 15 days), the insurer enters all the data about the car owner into a single computer system of compulsory insurance .
If the driver had an accident, and was its culprit, then the coefficient to the tariff will increase, and the insurance policy will be more expensive.
But for malicious violators, the insurance policy will become 2.5 times more expensive. The discount will be received by the one who never got into an accident. For example, for 10 years of trouble-free driving, the driver receives a coefficient of 0.5, that is, the cost of the policy is reduced by half.
The system was called “bonus-malus”, but the most curious thing is that it has already been formally operational, moreover, since 2003. Based on the bonus-malus coefficient (0.5-2.45), the cost of the policy is calculated. There are 13 classes of accidents, and in the first year of this law, all drivers were assigned the 3rd class of accidents , where the coefficient was one. That is why the cost of the policy has not changed.
If we talk about theory, then for ten years of OSAGO operation, when driving without accidents, it was possible to get the 13th grade, that is, to reduce the cost of the policy by 50%.
However, in practice this has not happened yet. For violators, the policies did not become more expensive either, because there was no single base, and the driver could simply change the insurer. Under the new law, if a person got into an accident 2 times a year , then for him the cost of compulsory motor TPL insurance will increase by 80%. Today, amendments to the law have already been adopted, and time will show what will come of it.
If there is no access to AIS
If the insurer selling the CTP policy does not have the technical capability (for example, the Internet and a computer) to check the insurance history of the driver, then he can write down the coefficient according to the client. However, in this case, the coefficient cannot be lower than one.
If the driver lied, and when checking by an insurance company, the ratio is higher than one, then the insurer has the right to demand additional payments from the client for the policy.
If the driver during this period of time became the cause of the accident, he will still have to compensate proportionally to the loss of the company.
How to “reset” the results
By law, the driver can “reset” its history in the database. As the amendments state, there is an insurance history for each driver who is allowed to drive a vehicle.
But if the motorist was not included in any CTP policy for one calendar year, then his story is “reset”.
If an accident occurs, then only the driver who was driving the car at the time, and not all those inscribed in the insurance policy, will have a higher rate.