How do you find out your MPS for OSAGO on the basis of SAR? What is KBM

Experienced drivers are well aware that the amount they need to pay for the policy of OSAGO, depends on their length of service, as well as accident-free ride. The price for a policy is considered taking into account the coefficient of the bonus-malus. We will learn how to find out your MIS for OSAGO.

What is KBM

The coefficient serves to encourage drivers who comply with the rules and drive without accidents. They get discounts when registering a policy. For every year of driving without accidents, the driver's ratio is reduced, due to which the policy also has to pay less.
Previously, it was assigned to a particular car, and when it was sold, the discount was lost. However, in 2008, changes were adopted, according to which the MSC belongs to the driver himself, regardless of the vehicle he drives. The discount is retained also in the event that the driver decides to be serviced by another insurance company.

However, it is reduced or completely nulled and even goes into negative, if after an accident the driver applies for payment. The reduction value depends on the class that was assigned to the driver before the accident.

It is often more convenient and advantageous to settle a minor accident right on the spot without calling DPS employees. Then, of course, the cost of the policy for the culprit of the accident will not increase.

How to find out your MIS for OSAGO

If the driver wants to know what his MBM is and how it changes, you need to use a special table. In general, in the first year he is assigned a third class, equal to one KBM.

If this year the accident in which he was the culprit did not happen, then in the next year he gets the fourth class, and the MSC will decrease by 5%. But if the accident does happen, then the class will be the second, and KBM will increase to 1.4, that is, the cost of the policy will increase by 40%.

Thanks to driving without accidents, a 5% discount will be awarded each year until it reaches 50%.

Table of compulsory motor TPL

The coefficient is easily determined by this special table, which is unified for all SCs. For this it is sufficient to know the driver class.

Take for example the third class. On it in the next column we see the unit. This is KBM. The next year the driver gets a fourth class, which corresponds to a coefficient of 0.95. So it looks and further. The other columns show which class will be further assigned if an accident occurs.

Self-calculation

Another way to find out your MIS for OSAGO is self-calculation. Consider an example with the same driver who first sat behind the wheel. If he does not get into an accident within three years, then for the fourth year of driving his discount will be 15%. However, in the case of an accident, the culprit he becomes, his class will no longer be the 7th, which corresponds to a 15 percent discount, but only the fourth.

If the table is at hand, it's easy to see. But without it, it is also possible to calculate the MSC.

KMB for insurance with several drivers

How to find out your MIS for OSAGO if several people are allowed to drive a car? It's very simple. The coefficient that has the greatest value of all is used. For example, one driver MBM - 35%, and the other - only 15%. Then the cost will be calculated based on a 15% discount.

If one of the drivers gets into an accident, the culprit becomes, and the other traveled a year without incident, then the MSC will only grow up with the driver - the culprit of the accident. The other will get the 5% discount set.

How to find out your MISP OSAGO on the basis of SAR

RSA, or the Russian Union of Auto Insurers is an organization-community of insurers. The union helps car owners on many issues. An important role is given to informing drivers. So, on the official site there is a lot of information that is of practical interest and benefit.
RSA maintains a single database on the MSC. Going out to her, you can easily find out your MIS by OSAGO in the SAR.

This information is available to both legal entities and individuals. For individuals it is enough to enter their driver's license. And if OSAGO is issued without restriction of the list of drivers, it will also require a passport of the car owner and the PTS.

The matter is the same with the KBM. It is not difficult for legal entities to check the CMTP of OSAGO on the basis of SAR. To do this, just enter the company's tax ID and the necessary documents for the car.

Is it possible to correct the data in the RSA database on the MSC?

To check the CMV of OSAGO on the basis of SAR, suppose it was possible. But there may be another problem. It happens that on the site the system issues such a coefficient, which is not true. For example, the policyholder receives an MBM equal to one, while he traveled on his car without crashes for many years.
The reasons why this happens can be as follows.

If the driver's license was changed, the data may not have been corrected, but those that were on the old document were left. To achieve the correct display of information, you should write a query about this in the PCA with copies of the new and old identities. It happens that there is an error when entering data.

This can be found even when the driver's name appears on several policies at once. For example, Ivanov, who is 11th grade and driving in his car, is also allowed to drive his wife's vehicle. And the latter coefficient is only 0.95, which corresponds to the 4th class. Thus, when data is transferred, its coefficient will be displayed as 0.95.

And one more reason, when the MSC of drivers on the basis of AIS SAR for OSAGO may not be displayed in the database, is the bankruptcy of the UK.

How to save a discount

So, how to find out your MIS by OSAGO on the site of the SAR, we found out. Suppose that your own calculations do not coincide with the figures that are on the site. How to be in this case?

In SAR, you should write a claim that the current value of the coefficient is different than on the site, and to argue this information. To the claim attach copies of policies and certificates from the UK that for a certain number of years the ride was accident-free.

If an error occurs, the policy, which is completed, should not be discarded. After all, the information corresponding to reality is displayed there. Anything to prove to the insurance agent or to call by phone does not make sense. It is better to immediately apply to the main office of the company by writing an appropriate complaint. When sending a complaint, save the receipt, which will be a confirmation of payment.

And if you decide to take the statement to the company in person, then make it in two copies, so that on one of them you put a note on acceptance.
If within two weeks of neither documents nor a refund have been made, you can safely apply to the higher authority and seek justice.
Thus, the question "how to find out their MIS for OSAGO in the SAR?" Is important not only for the sake of simple curiosity, but in order to be sure that the calculation of the next policy will be correct.