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Ilya Smirnov, director of the Central Bank’s insurance market department, described the future that threatens Russian drivers, in connection with the upcoming “automatic” fines “for OSAGO”. The AvtoVzglyad
– As far as is known, the functionality of traffic cameras now allows the Ministry of the Interior to identify violators of traffic rules. If, when a violation of the rules is found, the car is also checked for the presence of an OSAGO policy, there are administrative consequences for the owner for both violation of the traffic rules and for the lack of an OSAGO policy, believes Smirnov.
He also said that the Central Bank is playing a coordinating role in the discussion of all parties involved on the issue of “room” penalties for the lack of a “car owner” of a car owner. In addition, he called “free riders” car owners who do not take out compulsory car insurance.
“The presence of OSAGO is a matter of collective security,” RIA quoted Novosti Smirnov as saying.
Typically, Mr. Smirnov, arguing for fines from the cameras for the lack of OSAGO, repeats almost word for word the arguments of representatives of insurance companies. At the same time, both he and she are silent about the problems with the purchase of a policy by owners of, for example, motor vehicles or trucks. Which forces the latter to travel without compulsory insurance. And the outrageous OSAGO rates for young novice drivers sometimes seem prohibitive – especially in those regions of the Russian Federation where the income level of the population is low.
For example, in Voronezh, in order to insure under OSAGO, a young driver will have to pay 31,500 rubles, for example, an old VAZ-2109. Despite the fact that on local advertising sites such a car is estimated at 35,000-150,000 rubles. For a young man, acquiring a policy is, of course, absolutely not interesting.
You can also give an example of OSAGO insurance in St. Petersburg. Say, an affordable second-hand car with a more or less powerful engine: a VW Passat with such an engine of 170 hp. Of. A ten-year-old car of this model in the city on the Neva can be bought for 600,000 rubles. But if you are a young man with a year of driving experience and, God forbid, have had even the slightest accident a couple of times due to inexperience, the cost of OSAGO will be calculated for you in the region of 123,000 rubles!
With such insurance policy prices, such drivers have a choice: either violate and drive without OSAGO, or don’t drive at all. When the insurance lobby pushes for “automatic” fines for driving without a policy, novice drivers have only one option: to stop driving.
Insurers and the Central Bank lead everything to an idiotic situation, when a 20-year-old young man, who has unlearned “to drive”, is forced not to use them 10 years later – to get a formal driving experience and lived years behind him. After all, it is these parameters that radically reduce the price of OSAGO. As a result, “experienced” 30-year-old drivers appear on the road, who have forgotten why a steering wheel is needed in a car, but with a not too expensive policy in their pocket.
– As far as is known, the functionality of traffic cameras now allows the Ministry of the Interior to identify violators of traffic rules. If, when a violation of the rules is found, the car is also checked for the presence of an OSAGO policy, there are administrative consequences for the owner for both violation of the traffic rules and for the lack of an OSAGO policy, believes Smirnov.
He also said that the Central Bank is playing a coordinating role in the discussion of all parties involved on the issue of “room” penalties for the lack of a “car owner” of a car owner. In addition, he called “free riders” car owners who do not take out compulsory car insurance.
“The presence of OSAGO is a matter of collective security,” RIA quoted Novosti Smirnov as saying.
Characteristically, Mr. Smirnov, arguing for fines from the cameras for the lack of OSAGO, repeats almost word for word the arguments of representatives of insurance companies. At the same time, both he and she are silent about the problems with the purchase of a policy by owners of, for example, motor vehicles or trucks. Which forces the latter to travel without compulsory insurance. And the outrageous OSAGO rates for young novice drivers sometimes seem prohibitive – especially in those regions of the Russian Federation where the income level of the population is low.
For example, in Voronezh, in order to insure under OSAGO, a young driver will have to pay 31,500 rubles, for example, an old VAZ-2109. Despite the fact that on local advertising sites such a car is estimated at 35,000-150,000 rubles. For a young man, acquiring a policy is, of course, absolutely not interesting.
You can also give an example of OSAGO insurance in St. Petersburg. Say, an affordable second-hand car with a more or less powerful engine: a VW Passat with such an engine of 170 hp. Of. A ten-year-old car of this model in the city on the Neva can be bought for 600,000 rubles. But if you are a young man with a year of driving experience and, God forbid, have had even the slightest accident a couple of times due to inexperience, the cost of OSAGO will be calculated for you in the region of 123,000 rubles!
With such insurance policy prices, such drivers have a choice: either violate and drive without OSAGO, or don’t drive at all. When the insurance lobby pushes for “automatic” fines for driving without a policy, novice drivers have only one option: to stop driving.
Insurers and the Central Bank lead everything to an idiotic situation, when a 20-year-old young man, who has unlearned “to drive”, is forced not to use them 10 years later – to get a formal driving experience and lived years behind him. After all, it is these parameters that radically reduce the price of OSAGO. As a result, “experienced” 30-year-old drivers appear on the road, who have forgotten why a steering wheel is needed in a car, but with a not too expensive policy in their pocket.
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.
