MTPL insurance for a disabled person of the 2nd group. CTP discounts and benefits

CTP compensation for disabled people is a measure social support disabled people and at the same time the only benefit under compulsory insurance contracts civil liability car owners. The rules for providing compensation are determined by Article 17 of the Federal Law of 25.04.2002 No. 40-FZ "On Compulsory Insurance of Civil Liability of Vehicle Owners".

Conditions for granting compensation

Compensation is provided to disabled people of groups 1,2,3, as well as disabled children.

To receive compensation, a number of conditions must be met:

• Motor vehicles must be put on them for medical reasons, which must be prescribed in the individual rehabilitation program (IPR) of a disabled person.
• The car must be used by a person eligible for compensation, it can also be used by up to two more drivers. If we are talking about a disabled child, then the car can be used by his legal representative.

The amount of compensation for disabled people is 50% of the cost of the OSAGO insurance policy. Moreover, a disabled person (his legal representative) must independently pay for the policy, and only then apply for compensation.

Compensation is paid by the regional authorities, who receive cash of federal budget.

Applicants should apply for compensation to local authorities social protection population.

Documents required for registration of compensation.

When applying for compensation, the following documents are required:

1. An application for compensation from the person entitled to compensation or his representative. If the application is submitted by a representative, his authority must be confirmed by a notarized power of attorney.
2. Passport and a copy of the main pages of the passport. In the case of registration of compensation by power of attorney, it is necessary to provide passports and their copies both for the person entitled to compensation and not for his representative.
3. Certificate from the Bureau of Medical and Social Expertise. The certificate must indicate the disability group, the reasons for the decision on disability.
4. Help from medical organization indicating the need to use vehicle (copy of the individual rehabilitation program for a disabled person).
5. CTP policy.
6. A payment document confirming the payment of the OSAGO insurance premium. This may be a receipt (if cash payment), payment order (at cashless payment), any other document confirming the fact of payment.
7. Vehicle registration documents (documents confirming ownership of the vehicle).
8. A technical coupon, on the basis of which it can be concluded that it is possible to use a car for the movement of a disabled person.
9. Conclusion on the serviceability of additional equipment intended for driving a disabled person independently (if such equipment is available).

Is it possible to replace the repair with a cash payment

Cases when the right to replace repair arises (in accident case) payment of monetary compensation, are strictly regulated in the legislation of the Russian Federation.

These are the cases:

• the car after an accident cannot be restored;
• the cost of car repairs exceeds the established payment limit. And the limits are as follows - no more than 50 thousand rubles under the Euro-protocol and no more than 400 thousand rubles under OSAGO.
• cases when not a car was damaged, but other property
• the case when the driver of the car died in an accident or suffered harm to health (severe or moderate).

Answers to common questions

Question number 1:For what period can a disabled person receive OSAGO compensation? Can I get it immediately in the last three years?

Answer: Unfortunately, compensation can only be obtained for this year, accordingly, it is important to apply for it in the current year. There is a letter from the Ministry of Labor and Social Protection on this issue Russian Federation dated 17.01.2013 No. 13-7 / 56.

Question number 2:How long does it take for a disabled person to apply for compulsory motor third party liability insurance compensation for 2017?

Question number 3:Is it possible to receive compensation if the car is used for a disabled child, but the IPR does not contain a phrase about medical indications for providing a vehicle?

Answer: Until there is no corresponding entry in the IPR, it will not be possible to receive compensation. But the parents of a disabled child have every right to make such an entry (to achieve its entry) into the IPR. On this issue, there is a Letter of the Ministry of Labor of Russia dated September 15, 2015 No. 13-5 / B-1367, which directly states that specialists medical institution has the right to enter into the IPR a conclusion on the presence of medical indications for the purchase of a car by a disabled child at the expense of own funds (other permitted sources).

Reading time: 5 minutes

Compulsory insurance of civil liability of car owners (OSAGO) is a very useful tool that allows you to settle the issues of compensation for damage to transport, as well as the health of persons injured in road accidents. Compensation comes from the funds of the insurance company and, accordingly, is not tied to the financial position of the person responsible for the accident. The car owner is obliged to buy a civil liability insurance policy, and for many, this payment is sensitive. Is it possible to save money on it and return at least part of the money spent? Consider the benefits for OSAGO.

What the legislation says

The legislative framework governing all issues of compulsory liability insurance of motorists is the Federal Law of the Russian Federation No. 40-FZ "On compulsory insurance of civil liability of vehicle owners." The law was adopted on April 25, 2002. It was amended in July 2016 and 02.12.19. Last changes began to operate from 01.01.20. It does not directly provide CMTPL benefits for pensioners and labor veterans, but it makes it possible to provide them. Let's take a closer look at this.

Article 17 of the said law talks about the compensation of insurance premiums. Directly the word “privilege”, that is, advantage over others, is not mentioned in the text of the law. But you must agree that the return of part of the money paid for insurance from state budget certain categories of citizens are precisely the privilege. Who is it for?

The law names the only category of people who can get half of the money paid back - these are people with disabilities, including disabled children who need a car for medical reasons, and their legal representatives.

Specific groups of disability are not specified in the law, and it is impossible, for example, to answer whether benefits for compulsory motor third party liability insurance are provided for disabled persons of group 2. It is necessary to understand what kind of disability it is and whether it requires a vehicle.

The same article sets out the procedure for compensation. In short, it happens as follows: a person who has a benefit concludes an insurance contract and pays for it in full, then contacts the local authorities and receives compensation from them for 50% of the cost. The money for this compensation is transferred to the local budget from the federal budget.

Paragraph 2 of this article provides an opportunity for the authorities of the subjects of the federation and local authorities to introduce similar benefits for other categories of citizens at the expense of their own budgets. Check to see if your area has added Group 3 Disability or other auto insurance benefits in 2020. In general, our authorities are especially generous with benefits, therefore, you need to know about the possibility of obtaining them and use them.

The main features of the provision of benefits

The main feature of providing insurance benefits is that they are available primarily to customers who have earned the trust of the company. If you have been insuring civil liability for a long time and do not get into an accident, then you can count on benefits in the cost of the policy.

If you are young and have little driving experience, you will have to pay more than an experienced driver with a decent driving experience. This is already a matter of trust. Experienced adult drivers with more experience are less prone to adventures on the roads, therefore the risk of insured event these clients have below. Taking into account all the advantages and disadvantages of the driver, auto insurers can reduce or increase the base rate of the policy cost using the coefficient of age and experience (PIC).

Who can count on benefits when applying for a policy

In addition to experienced drivers who do not commit accidents, other categories of motorists can also count on benefits for car insurance. These categories are not defined by legislative acts and are introduced by the insurers themselves in order to additional attraction clients.

Many companies have established CMTPL benefits for pensioners. However, the policies vary from company to company, and if you think you could get a benefit, look at the offers from different companies. Perhaps one of the insurers provides one.

If you belong to the category of people to whom the firm provides the benefit, you will receive it. Don't just be ashamed to remind you of your rights. The insurance agent receives a percentage of the amount of the concluded contracts and therefore sometimes "forgets" to inform you about the benefits.

How insurance is arranged

If you are insuring liability for the first time or want to change the insurance company, study the insurance market. The most convenient way to do this is on the Internet. There you will find the conditions offered by different companies, and customer feedback on the work of these insurers. You will find there a list of the benefits that the companies offer.

Be wary of unusually good deals. Be sure to look for more information about these insurers to avoid being scammed.

What documents will be needed

To apply for an OSAGO policy, you will need:

• the passport;
• driver's license;
• previous insurance policy;
• diagnostic card or technical inspection coupon;
• technical passport of the car.

All necessary information in these documents is. If you belong to the privileged category, please take documents confirming this fact with you. For pensioners, such a document is a pension book.

Important points in the preferential OSAGO policy

As we have already established, the only benefit is established at the legislative level - for disabled people who need transport.

You can get other benefits from the insurer only if by such measures the companies attract profitable customers.

Insurance premium compensation

So, payments from the federal budget are made only to people with disabilities who need a car for medical reasons. Provided that the machine is operated by no more than two other persons. The amount of compensation is 50%.

How the coefficients affect the cost of the policy

When calculating the cost of insurance for a specific client, a number of correction factors are used that can both lower and increase the cost of the policy. In general, the cost of insurance is defined as the product base rate by correction factors, which include:

• The "Bonus Malus Class" coefficient (BMC), taking into account payments in previous periods of insurance. The less such payments were, the less you pay at the next conclusion of the contract. Naturally, experienced drivers with extensive experience in accident-free transport management can primarily count on receiving such a benefit. This will be taken into account when determining the size of the corresponding coefficient. From 01/09/19 it will be determined once a year on April 1. For legal entities that own a vehicle fleet, a single MSC is introduced for all their transport units.
• Age and seniority ratio. For young people and those with little driving experience, it is higher. This is one of the most important parameters affecting the price of insurance, for the most part it increases it. On January 9, 2019, the changes took effect. Now KBC is in 58 categories instead of the previous four. The experience is calculated from the moment of obtaining the rights.
• Factor that takes into account the power of the motor. The higher it is, the more you pay. From 01.10.20 it is supposed to be canceled.
• Coefficient taking into account the period for which the insurance is issued.
• A coefficient that takes into account the violations you have committed. If you break often, you will have to pay more.

This issue is discussed in more detail on our website in a separate article, in which you can find out how each affects the size of the payment.

If you applied for insurance and did not receive the expected benefits (50% of the insurance premium from the federal budget subvention), you should figure out what exactly happened. Perhaps, for some reason, your disability has been removed, or your disease has been recognized as not requiring the mandatory presence of vehicles. In any case, it is necessary to collect documents confirming the existence of a disability, and contact the local authorities, which carry out this compensation.

A privilege assigned not by the state, but by the insurance company, which you can lose - the bonus-malus coefficient for accident-free driving.

If you became the culprit of the accident or did not have an MTPL policy for more than a year, then return to the standard rate. In disputable cases, you must contact insurance company, having a car insurance policy with you. The answer to the question of whether it is possible to return the benefits for OSAGO depends on various reasons.

Possibility of discounts for disabled people and pensioners

In the legislation of the country, discounts on compulsory motor third party liability insurance for pensioners are not provided, they are provided only to persons with disabilities. But such benefits may be in the region where you live or with a specific insurance company. Carefully study the acts of local authorities and the proposals of the insurers.

Inspection in 2020. Major changes: Video

Sharp rise in price final cost insurance policy CTP in 2015, undoubtedly, was a shock for the majority of Russian car owners. The base rate for compulsory insurance approved by the Government of the Russian Federation has significantly increased compared to previous period, which left many drivers in a state of real stupor. The insurance market once again shook, and those who disagreed with the obvious arbitrariness of the authorities refused to purchase OSAGO at all or began to use fake policies. Let us consider a question that is truly urgent for law-abiding domestic car owners - what categories of citizens of the Russian Federation are provided with state benefits for OSAGO?

Categories of beneficiaries for OSAGO

According to the federal law "On OSAGO", motor third party liability insurance in Russia is mandatory and unconditional. Absolutely every compatriot who gets behind the wheel of a vehicle must have a proper policy of the established sample. The final cost of insurance is calculated by multiplying various coefficients by the base rate in force in a given period - the usual insurance method calculation for the vast majority of domestic motorists.

According to the provisions of the law "On OSAGO", after a traffic accident, the victim from the insurance company is guaranteed payment of monetary compensation for the damage caused. The amount of payment for physical injuries received as a result of a road accident is legally limited and currently amounts to 500 thousand rubles. Maximum payout to restore a vehicle damaged in a road accident is 400 thousand rubles. It is on this amount of monetary compensation in 2016 that any road user can count on who has issued an OSAGO policy in accordance with the established procedure.

At the same time, there is a certain category of Russian citizens who have the legal right to purchase a compulsory motor third party liability insurance policy at a discounted price - people with disabilities for health reasons. To our deepest regret, no other categories of citizens of the Russian Federation at the state level provide benefits for OSAGO. An exception can be made only by certain categories of car owners, whose benefits on compulsory motor third party liability insurance can be compensated by regional authorities represented by local governments from their budget.

Disabled Driving Benefits

According to the information available to date, this practice of implementing the federal law will continue in 2016 - no changes in the form of amendments to Federal Law No. 40 (Article 17) are expected.

When insuring his vehicle, a disabled person under federal law is compensated for exactly half of the final cost of OSAGO. The meaning of this state benefit is clear - when paying half of full cost compulsory motor third party liability insurance, compensation in the event of a traffic accident due to the established fault of the disabled person will be full-size.

The most important is the amount of money prescribed in insurance policy, since exactly half of it will be reimbursed by the federal social protection authorities when calculating benefits. At the same time, it should be noted that the insurance payment itself under OSAGO must be made by a Russian disabled person immediately and in in full... In some cases, compensation may exceed the statutory level of 50% if local governments make an appropriate decision on funding from regional budget subject of the Russian Federation.

An important condition obtaining a legal benefit for compulsory motor third party liability insurance is the actual presence of a car purchased for a disabled person by federal social protection authorities.

Moreover, in accordance with the provisions of the law "On MTPL", the federal benefit applies to a disabled child who has received a car from the state, which is operated by official guardians. Others important point to receive compensation for the cost of compulsory motor third party liability insurance, only two people can use the insured car for travel - the disabled owner himself or his official representative.

Registration of benefits

Payment of half the cost of OSAGO insurance for disabled persons is carried out by the appropriate federal service throughout the current calendar year... Particular attention should be paid to the correct and timely preparation of the relevant documents for the accrual of monetary compensation in accordance with the framework of the law. To receive federal benefits for paying for the OSAGO policy, you need to collect and submit to the social protection authorities the following package of documents:

• Properly executed application
• Vehicle ownership deed
• Passport of a citizen of the Russian Federation
• Vehicle passport
• MTPL insurance policy
• Policy payment document
• Medical certificate the established sample.

It should be emphasized that the benefits for OSAGO in the form of compensation for half of the cost of the policy are made after the disabled person pays the full cost of the insurance.

Reception of applications from citizens of the privileged category by local social security authorities is carried out until December 10 of the current year. After considering the application and a positive decision on the accrual of benefits, the disabled person can receive monetary compensation at the place of residence or at another address specified in the application.

Despite all the periodic difficulties, compulsory insurance civil liability in Russia has positively proven itself in domestic insurance practice and really helps drivers financially in most accidents. It is a pity that only the cost of such insurance remains quite high today, and only one category of Russian citizens has the right to benefits under OSAGO.

Video: MTPL benefits for people with disabilities

Important: in 2016, the procedure for obtaining benefits for OSAGO remained the same.

According to the Federal Law of 25.04.2002 No. 40-FZ, third party liability insurance is mandatory for all citizens operating vehicles. The cost of the policy depends on the driving experience and car model, and often reaches several thousand. For disabled people there are benefits, thanks to which they can purchase OSAGO at a discount.

What is OSAGO: a detailed description

Literally, OSAGO stands for "compulsory motor third party liability insurance", which can occur before third parties only as a result of an accident. The purchase of a policy is mandatory for all citizens driving vehicles. For the absence of a document, drivers are entitled to a fine of 800 rubles.

The CTP policy protects citizens from unplanned expenses in the event of an accident, namely:

• The guilty person does not invest his own money to compensate for damage to property or health of the victim. It is enough for him to notify the insurer about the accident within 15 days. However, damage in excess of the amount of compensation for the SK can be claimed by the victim through the court in the manner civil production... The culprit repairs his own car on his own, if there is no CASCO.
• If the owner of the policy is the victim, he will not have to claim money through the court, as it was before, before the emergence of CTP. Now it is enough to contact the IC of the culprit with the documents on the accident, undergo an examination and get insurance compensation... The money is transferred to a bank account, a certificate of which is provided at the time of application.
• If there is mutual fault in the accident, payments are calculated in proportion to the degree of fault of the insured person. In case of refusal to reimburse, the actions of the IC will be appealed in court.

Example No. 1: obtaining compensation for OSAGO in case of an accident

The driver O.N. Astakhov, driving a car, allowed to exit at a red traffic light and collided with another vehicle under the control of K.Yu. Mezhentsev, moving on a green signal. Thus, ON Astakhov is recognized as the culprit, K.Yu. Mezhentsev is the victim.

To receive a refund, the latter turned to the UK the next day, where the culprit was insured. The examination was scheduled for the next day. As a result of the study of the damage, the amount of property damage was established - 150,000 rubles. The side part of the car from the passenger side is damaged: two doors, electronics, arches, sills and other body parts.

Mezhentsev K.Yu. after the examination, a referral was issued for repairs in a car service, with which the SK had an agreement.

Insurance indemnity

Insurance compensation is made in exceptional cases, the priority for the IC remains the issuance of referrals for repairs. Maximum size payments in 2020 depends on the situation:

Important! The final amount of payments is established by the IC on the basis of the documents submitted by the insured person and the examination performed. If the victim is not satisfied with the amount, he can challenge it by filing a pre-trial claim or go directly to the court.

What affects the cost of OSAGO

The cost of the policy is calculated from the following factors:

• Vehicle power. The minimum coefficient is assigned for vehicles up to 50 HP, the maximum - over 150 HP.
• Place of registration of transport. If the owner lives in a densely populated area, he will have to pay at the maximum rate. When registering in villages and hamlets, the minimum is applied.
• Driver's age. If he is less than 21 years old, a high rate is set. Here it is most optimal to issue a policy "without restrictions" if the owner is more than 21 years old and more than three years of experience, but it is planned to use the car by persons under the specified age.
• Number of drivers. The more there are, the higher the cost. Their age, accident-free driving and other factors are also taken into account.
• The validity period of the OSAGO. The minimum is 3 months, with 50% of the total cost per year paid.
• Coefficient for gross violations. It is used if the intentional occurrence of an insured event was admitted, false information was provided to obtain a higher cost of compensation, and regressive claims were made against the culprit.
• KBM. Determined based on the number of insured events, length of service, age. Installed individually for each driver. You can find out KBM on the PCA official website.

Example No. 2: calculating the cost of OSAGO

The base rate for a passenger car is 4,118 rubles. It is multiplied by coefficients. Behind last year the driver had 2 accidents due to his fault. How everything is calculated:

4 118 x 1.2 (coefficient of the number of hp) x 1 (insurance period) x 1.7 (length of service and age) x 1 (territorial coefficient) x 1.55 (MSC) \u003d 13 021.12 rubles.

What are the benefits for the purchase of compulsory motor third party liability insurance for disabled people

According to Art. 17 of the Federal Law "On OSAGO", people with disabilities and families with disabled children are provided with compensation for the cost of the policy in the amount of 50%. Cost compensation is made territorial bodies Social protection in the following cases:

• Providing disabled people with a vehicle from government agencies. The car needs to be refitted.
• The purchase of the car was made for medical reasons, if the movement of the disabled person is not possible without it. Provision is possible cash aid from the Social Support Fund.
• Relatives of a disabled person use a vehicle and are registered in the OSAGO.
• The car is allocated or purchased for the transportation of the disabled child by the parents.

Thus, the main criterion for obtaining compensation for OSAGO is the vital need to use transport. The discount is provided not by the insurer directly, but in the form of compensation through Social Security. Initially, the policy is paid by the beneficiary or his legal representative in full.

Example No. 3: registration of compensation for OSAGO

Citizen Abrosimov E.N. has a second group of disability due to a disease of the musculoskeletal system, in connection with which he needs to use a specially converted car. The vehicle was allocated by the Social Protection Agency on the basis of medical reasons.

Experience of Abrosimova E.N. - for more than 15 years, during this time not a single accident happened through his fault. Therefore, minimum odds will apply to it.

Taking into account the base rate and coefficients, the cost of the policy for the insured person was 5,000 rubles. Taking into account the norms of the legislation, he took advantage of compensation in the amount of 50% of the price, paid 2,500 rubles. Social protection.

How to apply for compensation

The procedure for applying for compensation is as follows:

1. The disabled person or his representative visits the selected IC with a package of documents. If a representative acts on behalf of the beneficiary, a notarized power of attorney is not needed: a driver's license, old OSAGO and documentation for the car are enough.
2. The policy is paid. The payment receipt is saved: it will be needed for Social Security.
3. The beneficiary applies to Social Security at the place of registration with a check from the insurer and documents confirming the right to a benefit.
4. The application is considered within 15 days. Based on the results of consideration, the funds are transferred by the social agency to the bank account of the beneficiary.

If the beneficiary is not at the place of registration on a permanent basis, he has the right to apply to the Social Security at the address of stay.

Documents

The list of documentation for the insurer when buying OSAGO, and for Social Security when making compensation looks like this:

Important! Without a valid diagnostic card no insurance company will sell the policy. To get it, you need to go through a technical inspection. Also, in many UK you can buy a card without providing a car for a real inspection, which is not entirely legal.

How to restore KBM

Often, drivers are faced with an overestimation of the MSC, as a result of which the cost of insurance increases. This happens due to technical failures at the insurer or in the PCA database, where all information about the drivers is stored.

To restore the discount, the beneficiary can contact the insurance company by submitting an application, passport, driver's license and insurance policies for the past period.

Grounds for refusal to grant benefits

A disabled person may be denied reimbursement of the cost of OSAGO if:

• an incomplete set of documents is presented;
• the car was purchased not for the needs of the beneficiary and was not reequipped in accordance with legal regulations, if required.

Social Security issues a motivated refusal in writing. You can dispute it through a higher head of a state agency or by going to court with an application to consider the case in administrative proceedings.

When is the insurance indemnity not paid?

Insurance compensation should be understood as payments to victims of an accident. You will not be able to get them in the following cases:

• The insured citizen was drunk at the time of the accident. Even if he is not the culprit, it will be problematic to obtain compensation.
• The driver is not the culprit, but after the examination, a technical malfunction was revealed, in the absence of which the accident could have been prevented. For example, this can include poor performance of the braking system, when the driver is not considered guilty according to the rules, but with good functioning of the "brakes" could avoid a collision. However, such refusals by the IC are successfully appealed in the courts.
• Lack of diagnostic card. This is possible if the policy was purchased during a valid technical inspection, which expired soon after the purchase and an accident occurred.
• Incorrect paperwork in case of an accident. There must be a scheme of the accident, the traffic police protocol or the Europrotocol, if the estimated amount of damage does not exceed 50,000 rubles.
• The culprit has no CTP policy. According to the rules, the compensation is carried out by the IC of the guilty person, therefore, the victims in this matter may have problems. However, according to the law, in this case, it is allowed to claim property damage through the court in accordance with the Civil Code of the Russian Federation.

“Provision of disabled people with compensation for compulsory motor third party liability insurance is carried out from the federal budget. They are sent to the municipal authorities on the basis of already concluded contracts after the submission of relevant requests. Selected features provision of benefits can be regulated by the regions independently. Details should be found in the Social Security at the place of registration "

Yurgens I.Yu., President of the RSA.

Frequently asked Questions

Question number 1.Can a disabled person apply for a CMTPL discount directly to an insurance company?

No, compensation is paid through Social Security. Initially, the beneficiary pays the cost of the policy in full, then 50% of the price is returned to the bank account.

Question number 2. Does disability affect the cost of OSAGO?

No, disability doesn't matter. Only age, experience, trouble-free operation and technical indicators of the car are taken into account.

Motor third party liability insurance in the Russian Federation is mandatory for all vehicle owners. The document that confirms the existence of the above insurance is the OSAGO insurance policy.

The amount of basic insurance rates for OSAGO is established by the Government of the Russian Federation. The cost of insurance is calculated individually for each case by multiplying the base rate by special coefficients.

Article 17 Federal Law No. 40-FZ provides benefits to disabled people under OSAGO. In this case, certain conditions must be met:

• A disabled person must have vehicle according to medical indications and use it yourself.


• If this is not possible (here it is in the form of a disabled child), it is permissible for his legal representative to be behind the wheel.


• A maximum of two people can use the car together with a disabled driver (or his legal representative).

Please note that car insurance benefits cover 50% of the cost of the insurance. Only the amount indicated in the insurance policy will be taken into account. The insurance premium itself must be paid without delay.

It should be noted that compensation may exceed the notorious 50%. It may even be complete. The decision on this is made by the authorities of each region independently.

How can a disabled person apply for this benefit?

Social protection agencies are involved in the registration of benefits on the territory of the Russian Federation. To obtain them, the interested person must submit the following package of documents to the specified body:

· Application,

· Documents that prove the identity of the applicant;

· Documents on the ownership of the car;

· Insurance policy;

· A receipt for the payment of the insurance premium under the contract;

· Vehicle passport.

Do not forget that in order to receive compensation for the current year, the application must be filed before December 10. After the application has been reviewed, compensation can be obtained at the place of residence.

Is it possible for a disabled person to refuse repairs under OSAGO and take the equivalent in money?

The bill strictly defines the cases when a motorist can refuse to repair and prefer a monetary equivalent.

This can be done if the car cannot be restored, or the cost of repairing it exceeds the payment limit under the European protocol (50 thousand rubles) or OSAGO (400 thousand), and the owner is not ready to pay extra. Another reason - damage in an accident is not a car, but other property.

According to latest version, the insurance company will have to pay money if the driver died in an accident or was seriously or moderately injured. Disabled persons of I and II groups can also demand payment of monetary compensation. But not more often than once every three years.

The motorist will also receive a payment in kind if there are problems with the service station. Service stations must also meet certain criteria: repair no more than 30 working days, location no more than 50 kilometers from the accident site or the victim's residence, as well as a license to repair if the car is less than two years old.