“In order to minimize their costs under OSAGO for the repair of cars damaged in an accident, insurance companies do not conclude repair contracts directly with car services, but with special” gasket organizations, “said auto expert Alexei Shichavin at the conference of the AvtoVzglyad portal.
That is, within the framework of compensation for losses in kind, the insurer gives the car owner a reference for repairs to just such “leggings”, which in turn refers it to its subcontractor – to the service station. There the car is repaired ugly, literally saved on everything. As a result, drivers cannot receive an assignment order with a list of work performed to assess its quality and possibly go to court. Also, the money for restoring a car is not transferred to a car service brake model, but to a “legend company”.
Such a complicated scheme, according to our expert, is necessary for insurance companies to minimize their costs of repairing a customer’s car and to make the process of repairing a broken car as difficult as possible for the latter. Moreover, this practice is flourishing everywhere, contrary to the relevant clarifications of the Bank of Russia and the decision of the Supreme Court plenum.
In addition, the repair of an accident-damaged car under OSAGO is now hampered by low prices for parts in the directory of the Russian Union of Motorcycle Insurers (RSA), says Shichavin. At the prices stated in it, it is simply impossible to buy spare parts. Especially considering the so-called “wear and tear” – a trick that allows insurance companies to underpay the car owner as much as 50% of the part’s “reference price”.
In general, there are indeed enough problems with restoring cars under OSAGO. They have always been there and the crisis has only exacerbated the situation. But at the same time, it is interesting that they see no difficulties in the SAR itself.
According to the president of the union Yevgeny Ufimtsev, who also participated in the online conference of the AvtoVzglyad portal, compensation in kind only causes negative emotions in “traffic lawyers”. Those who, before the introduction of such a form, sued insurance companies for failure to fulfill their obligations to customers, while earning money themselves.
“The in-kind compensation system in OSAGO actually works well and suits most car owners,” Mr. Ufimtsev said live.
And for more details on these and other issues in the OSAGO system, see the recording of the online conference from the AvtoVzglyad portal, which can be found here.
“In order to minimize their costs under OSAGO for the repair of cars damaged in an accident, insurance companies do not conclude repair contracts directly with car services, but with special” gasket organizations, “said auto expert Alexei Shichavin at the conference of the AvtoVzglyad portal.
That is, within the framework of compensation for losses in kind, the insurer gives the car owner a reference for repairs to just such “leggings”, which in turn refers it to its subcontractor – to the service station. There the car is repaired ugly, literally saved on everything. As a result, drivers cannot receive an assignment order with a list of work performed in order to assess its quality and possibly go to court. Also, the money for restoring a car is not transferred to a car service brake model, but to a “legend company”.
Such a complicated scheme, according to our expert, is necessary for insurance companies to minimize their costs of repairing a customer’s car and to make the process of repairing a broken car as difficult as possible for the latter. Moreover, this practice is flourishing everywhere, contrary to the relevant clarifications of the Bank of Russia and the decision of the Supreme Court plenum.
In addition, the repair of an accident-damaged car under OSAGO is now hampered by low prices for parts in the directory of the Russian Union of Motorcycle Insurers (RSA), says Shichavin. At the prices stated in it, it is simply impossible to buy spare parts. Especially considering the so-called “wear and tear” – a trick that allows insurance companies to underpay the car owner as much as 50% of the part’s “reference price”.
In general, there are indeed enough problems with restoring cars under OSAGO. They have always been there and the crisis has only exacerbated the situation. But at the same time, it is interesting that they see no difficulties in the SAR itself.
According to the president of the union Yevgeny Ufimtsev, who also participated in the online conference of the AvtoVzglyad portal, compensation in kind only causes negative emotions in “traffic lawyers”. Those who, before the introduction of such a form, sued insurance companies for failure to fulfill their obligations to customers, while earning money themselves.
“The in-kind compensation system in OSAGO actually works well and suits most car owners,” Mr. Ufimtsev said live.
And for more details on these and other issues in the OSAGO system, see the recording of the online conference from the AvtoVzglyad portal, which can be found here.
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.