Last year, according to the Russian Union of Auto Insurers, 31% of the total number of drivers received the maximum discount of 54% for accident-free driving against the bonus-malus coefficient when applying for an OSAGO policy. If we talk in absolute terms, we are talking about more than 15.4 million people. Yes, our compatriots love discounts. In addition, many of them still hope and believe that insurers will help pay for the damage in the event of an accident. Well, hope dies last.
Recall that insurance companies are frantically lobbying for the idea of repairing vehicles with “used” spare parts, disguising such an innovation as a shortage of components and body panels. And for what, one wonders, should the car owner pay? For the fact that old parts are put in his brand-new foreign car after the accident? The prospect is depressing to say the least. In addition, along with an increase in the cost of policies, insurers want to increase repair time, turning motorists into pedestrians at a high price. Evolution!
It is apparently not in vain that motorists, especially in the regions, began to refuse en masse to buy an OSAGO policy, which increasingly resembles a stupid piece of paper. Even the toilet, and that is more useful for its “users”.
Meanwhile, a massive introduction of cameras for detecting offenses is being prepared on the country’s roads, which will allow the identification of drivers who do not have a “car citizen”. If today, after being caught by the traffic police, the fine will be 800 rubles, then after driving under each “all-seeing eye” there will be so many receipts that it will be easier and more profitable to buy the notorious insurance document (although they promise so far to punish this offense only once a day). So it turns out that they are again just demanding from us, without actually giving anything in return. Perhaps with only a few exceptions.
But in Norway, for example, the perpetrators of an accident, rather than insurers, pay most of the damage to the injured party in order to save on buying their next policy. In other words, the spent funds are settled against the future document. Fact: in one of the most expensive countries in Europe, this practice is quite relevant. Aboriginal people also receive a discount for accident-free driving.
Finland also offers bonuses for accident-free use. And the cost of the policy is also affected by the absence or presence of additional security devices in the car. For example, smart electronic assistants that protect the driver and passengers against accidents.
But in the US, not only the make, mileage and age of the vehicle is taken into account, but also the area where the majority of the car is parked for overnight parking. As you know, in some cases, due to rampant street crime, it is simply unsafe to leave a car behind.
In addition, US insurers have the right to refuse to issue a policy to a driver if the driver regularly gets into accidents. The latter falls into the category of the so-called high risk, and among the brokers who are willing to take on additional responsibility, there will be those who will demand an amount many times the price tag of an average contract for a policy .
In China, in the case of accident-free driving, “autocitizen” loses 10% of costs annually, although it does not exceed 30%. And the Japanese even compensate for damage only in situations where the accident caused damage to people’s health or life. But the most important thing is that insurers in every country do their job properly and don’t kick drivers like a football. There is a precedent – the insurance covers everything. That would be the same for us. But dreaming, as they say, is not harmful.
Last year, according to the Russian Union of Auto Insurers, 31% of the total number of drivers received the maximum discount of 54% for accident-free driving against the bonus-malus coefficient when applying for an OSAGO policy. If we talk in absolute terms, we are talking about more than 15.4 million people. Yes, our compatriots love discounts. In addition, many of them still hope and believe that insurers will help pay for the damage in the event of an accident. Well, hope dies last.
Recall that insurance companies are frantically lobbying for the idea of repairing vehicles with “used” spare parts, disguising such an innovation as a shortage of components and body panels. And for what, one wonders, should the car owner pay? For the fact that old parts are put in his brand-new foreign car after the accident? The prospect is depressing to say the least. In addition, along with an increase in the cost of policies, insurers want to increase repair time, turning motorists into pedestrians at a high price. Evolution!
It is apparently not in vain that motorists, especially in the regions, began to refuse en masse to buy an OSAGO policy, which increasingly resembles a stupid piece of paper. Even the toilet, and that is more useful for its “users”.
Meanwhile, a massive introduction of cameras for detecting offenses is being prepared on the country’s roads, which will allow the identification of drivers who do not have a “car citizen”. If today, after being caught by the traffic police, the fine will be 800 rubles, then after driving under each “all-seeing eye” there will be so many receipts that it will be easier and more profitable to buy the notorious insurance document (although they promise so far to punish this offense only once a day). So it turns out that they are again just demanding from us, without actually giving anything in return. Perhaps with only a few exceptions.
But in Norway, for example, the perpetrators of an accident, rather than insurers, pay most of the damage to the injured party in order to save on buying their next policy. In other words, the spent funds are settled with the future document. Fact: in one of the most expensive countries in Europe, this practice is quite relevant. Aboriginal people also receive a discount for accident-free driving.
Finland also offers bonuses for accident-free use. And the cost of the policy is also affected by the absence or presence of additional security devices in the car. For example, smart electronic assistants that protect the driver and passengers against accidents.
But in the US, not only the make, mileage and age of the vehicle is taken into account, but also the area where the majority of the car is parked for overnight parking. As you know, in some cases, due to rampant street crime, it is simply unsafe to leave a car behind.
In addition, US insurers have the right to refuse to issue a policy to a driver if the driver regularly gets into accidents. The latter falls into the category of the so-called high risk, and among the brokers who are willing to take on additional responsibility, there will be those who will charge an amount many times over the price tag of an average contract for a policy .
In China, in the case of accident-free driving, “autocitizen” loses 10% of costs annually, although it does not exceed 30%. And the Japanese even compensate for damage only in situations where the accident caused damage to people’s health or life. But the most important thing is that insurers in every country do their job properly and don’t kick drivers like a football. There is a precedent – the insurance covers everything. That would be the same for us. But dreaming, as they say, is not harmful.
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.