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Many people know that OSAGO has recently become a real “Klondike” for insurance companies. With the entry into force of the following legislative changes “On the organization of
The relevant amendments were passed by legislators last summer and approved by the President of the Russian Federation. It was then decided to postpone its entry into force for a year. That moment should come on July 15, 2023. At first glance, the main novel, which should directly affect ordinary motorists, looks quite sensible and progressive. And it appears to be aimed at benefiting citizens, not insurers. The bottom line is that insurance companies are actually allowed to remotely inspect a vehicle damaged in an accident. The driver only sends photos of damaged parts to the IC expert. You must send such images through the OSAGO Assistant application.
In theory, everything is great. It’s no secret that some companies require the owner of a car damaged in an accident to present it for inspection to an expert appraiser, even if it’s not on the road, and the insurer’s office is hundreds of miles away. the residence of the motorist. . Sometimes transporting a car for inspection and back turned out to cost more than the final bill for OSAGO. As a result, the car owner decided not to interfere with the claim for damages – much to the delight of the UK.
And if it is enough to take a picture of the car and send the images through the application to assess the damage, then such problems will be exhausted by themselves. But there are a few unpleasant “buts” to this story.
First, the owner of an injured car in an accident should be able to exercise such a right if an appropriate clause is included in their OSAGO agreement. In the absence, no photos and remote reviews for you! As, incidentally, in the event that the driver of the car injured in the accident did not have an OSAGO policy.
But that’s not the point. The catch is that the insurer’s appraiser may “not see” certain damage in the photos provided. And therefore do not include the cost of their liquidation in the final amount of compensation. And then (most likely in court) this “specialist” can always attribute his “blindness” to supposedly low-quality photos of cars sent to accident victims.
In that respect, it can be assumed that after July 15, by hook or by crook, the IC will try to translate the damage assessment after an accident for all cars into a comparable online format. After all, it is a sin not to use this method of “saving”. Even now, they only spend 55% of the money they receive from the sale of OSAGO policies on accident compensation claims. That is, they keep 45% of the money they collected from drivers, at a time when the law limits this share to no more than 23% – as expenses for doing business.
For example, OSAGO insurers are currently making super profits. There is no doubt that with the introduction of remote accident damage assessment, insurers will pay car owners even less and receive even higher incomes.
The relevant amendments were passed by legislators last summer and approved by the President of the Russian Federation. It was then decided to postpone its entry into force for a year. That moment should come on July 15, 2023. At first glance, the main story, which should directly affect ordinary motorists, looks quite sensible and progressive. And it appears to be aimed at benefiting citizens, not insurers. The bottom line is that insurance companies are actually allowed to remotely inspect a vehicle damaged in an accident. The driver only sends photos of damaged parts to the IC expert. You must send such images through the OSAGO Assistant application.
In theory, everything is great. It’s no secret that some companies require the owner of a car damaged in an accident to present it for inspection to an expert appraiser, even if it’s not on the road, and the insurer’s office is hundreds of miles away. the residence of the motorist. . Sometimes transporting a car for inspection and back turned out to cost more than the final bill for OSAGO. As a result, the car owner decided not to interfere with the claim for damages – much to the delight of the UK.
And if it is enough to take a picture of the car and send the images through the application to assess the damage, then such problems will be exhausted by themselves. But there are a few unpleasant “buts” to this story.
First, the owner of an injured car in an accident should be able to exercise such a right if an appropriate clause is included in their OSAGO agreement. In the absence, no photos and remote reviews for you! As, incidentally, in the event that the driver of the car injured in the accident did not have an OSAGO policy.
But that’s not the point. The catch is that the insurer’s appraiser may “not see” certain damage in the photos provided. And therefore do not include the cost of their liquidation in the final amount of compensation. And then (most likely in court) this “specialist” can always attribute his “blindness” to supposedly low-quality photos of cars sent to accident victims.
In that respect, it can be assumed that after July 15, by hook or by crook, the IC will try to translate the damage assessment after an accident for all cars into a comparable online format. After all, it is a sin not to use this method of “saving”. Even now, they only spend 55% of the money they receive from the sale of OSAGO policies on accident compensation claims. That is, they keep 45% of the money they collected from drivers, at a time when the law limits this share to no more than 23% – as expenses for doing business.
For example, OSAGO insurers are currently making super profits. There is no doubt that with the introduction of remote accident damage assessment, insurers will pay car owners even less and receive even higher incomes.
Source: Avto Vzglyad
Donald Salinas is an experienced automobile journalist and writer for Div Bracket. He brings his readers the latest news and developments from the world of automobiles, offering a unique and knowledgeable perspective on the latest trends and innovations in the automotive industry.
