The expert council at the Russian Union of Auto Insurers (RSA) announced on the eve of the development of a unified methodology for assessing damage to vehicles. The document, which was supposed to appear along with the Law on CTP, but delayed by 10 years, is designed to put an end to legal confusion. Today, the amount of insurance payment can be calculated immediately according to five applicable manuals - and the numbers received will vary greatly. Which leads to numerous lawsuits between drivers and insurance companies.
According to Za Rulem.RF, Head of the RSA Insurance Methodology Department Mikhail Porvatov, the new rules should bring the market under a common denominator. “If all experts are guided by the same, approved methodology, then there will be no disagreement over the assessment of damage, ” he said.
However, the main question is whether the minimum bid of the existing ones will be "documented"? In other words, will the training manual legitimize the common situation in which insurance payments do not cover damage from accidents? According to one of the authors of the document, the leader of the Federation of Motorists of Russia (FAR) Sergey Kanayev, CTP insurance payments will actually be slightly reduced, but will become stable - in all regions. “I’ll say that I will not dissemble that at the federal level OSAGO payments will be somewhat reduced. According to our estimates, somewhere by 10%. But at the local, regional level, they, on the contrary, will increase to 25%, ”he told the“ Behind the wheel. RF ”correspondent. - This will happen because the new rules will become mandatory for all market players: both in the capitals of the regions and somewhere in the outback. And I see this as the most positive result of our work. ”
Answering a question about possible lobbying by the PCA for their interests, Kanaev said that the lesser of two evils was chosen. “The Ministry of Transport, which was originally supposed to prepare this document, could not“ give birth ”to anything for 10 years. Government agencies are simply not interested in this. Yes, of course, PCA defends its interests - it is a worthy adversary. But they got down to business and invited real experts who work not for kickbacks, but for the future opportunity to fully participate in this market, ”the FAR leader emphasized.
The creation of a unified methodology for calculating damage does not set a goal to reduce insurance payments, says Sergey Begrov, Deputy General Director of RESO-Garantia. According to him, it is needed to develop “vital rules of the game”, in the absence of which people go to court, although they themselves do not really understand whether they were deceived or not. “As a result, all parties lose: the courts are littered with cases, insurers spend substantial funds on the administration of payments and legal costs, which, one way or another, affect insurance rates, ” Begrov said.
Andrei Antokhonov, director of automobile liability insurance of Alliance Insurance Company, echoes him: “The unified methodology does not aim to reduce payments, its purpose is to reduce the level of disagreement between assessments of various examinations. Until this happens, car owners will go to court for redress, fines, and reimbursement of the costs of a lawyer, regardless of whether the assessment was really understated or not. ”
However, a look from the “opposite side” in the document seeks opportunities for future fraud with an underestimation of the cost of repairs. The General Director of Glavstrakhkontrol Nikolay Turnikov, who is involved in litigation with insurance companies, points out the permissible error in calculating the damage inherent in the document.
“Now an error is being put into the upcoming method when assessing damage - 15%. That is, exactly how much the amount can differ when calculating the damage from different experts, - he said, “At the wheel. RF”. - On what it will depend, it is not clear, perhaps, on the mood of the appraiser. But imagine for a second that 15% of 120 billion rubles. profits of insurance companies - that's 20 billion! Wow, how can you miscalculate! ”