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

In 2014 the new method for assessing damage after an accident came into force. The draft and concepts of pre-trial dispute settlement were developed by the Ministry of Transport in 2003, but for 11 years they have not been 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 Consumer Rights" to OSAGO, we decided to recall the document.

Prerequisites

The average payment under the OSAGO policy, according to the 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, wait 30 days 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

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

Disagreements

The problem with appraisers is also solved by a unified methodology for calculating damages for OSAGO. The project contains the rules for the examination. If the company has already concluded a contract with the 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 average cost of parts was used. 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 are not engaged in such matters at all, as companies use the officially fixed cost of parts for cars, which reduces all disagreement 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 of payments on the ordinary and euro-protocol 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 prices SAR 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 exclusive part 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 withdraw the average price.

Depreciation persisted

The car's depreciation now depends on the age of the vehicle. 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 we stopped at the fact 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 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%.

A uniform methodology for calculating damage for OSAGO provides for wear not for all parts. Without damping, there will remain a brake and steering system, optics, safety belts - that is, elements without which the car's operation is prohibited. For all other details, prices are calculated taking into account 50% of wear.

A new coefficient has appeared

An individual indicator will be calculated if any part 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 common methodology for calculating damages for compulsory motor TPL insurance (October, 2014) provides for an error in the calculation of 10%. In theory, this figure should be compensated by inflation. In practice, this can be a good loophole for reducing the amount of calculations. If earlier such problems were solved through the court, now it will be much harder to challenge the decision, 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 regard to cars under warranty has changed. 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 do disgruntled drivers?

Certain changes have already been made by a uniform methodology for calculating damages 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 the results promised by the RSA will hardly be achieved. Dissatisfied drivers are left either to issue a CASCO, or to go to court. Both the first and second will bring additional costs. Therefore, questions arise as to the appropriateness of the new methodology.

Conclusion

A uniform methodology for calculating damages for OSAGO in 2003 came into force only in 2014. It presents the calculation of spare parts and works for all possible auto brands. 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 be no problems. But the methodology does not provide for carrying out costly tests, does not overlap existing failures in payment and contains an allowable error of calculations of 10%. How much will be abused by insurers these shortcomings, will show practice.