Does the MSCA have insurance for MTPL insurance? What is MSC in insurance?

Together with the joy of buying a car come and new responsibilities. In particular, the need to insure civil liability. Everyone knows that in case of an accident, the damage is compensated by the company that sold the policy. The question arises as to how its value is formed and on what it depends.

One of the main components of insurance is KBM. Not so long ago there was information that in Rosgosstrakh it was canceled. Is it so? Let's discuss this article.

MSC: decoding of the term

KBM - what is hidden behind the abbreviation? This is the so-called bonus-malus ratio, which depends on the length of the driver's experience and the number of accidents that have happened to him. This rule for someone may seem superfluous. However, its goal is to encourage drivers to drive the car neatly. After all, no one needs to repair repairs without repairs. And without losses, the profit of the insurance company will only increase.

To better understand the value of KBM - what does this mean for this parameter, it's enough to think about the phrase "bonus-malus". That is, it is about some kind of reward, which relies on driving without incident. In OSAGO, the bonus is 5% for each year of accident-free driving.

But the question arises in further deciphering the concept of KBM: what is "malus"? If the owner of the OSAGO policy falls on his car in an accident, the culprit is, then the discount is canceled or reduced. But if in the accident you are not to blame, then it will not affect the cost of insurance in the next year. This condition will be maintained even when the accident was registered without the participation of DPS employees.

The reason why cost does not change in this case is very simple - OSAGO is a liability insurance, not a car. Of course, only the guilty party bears it.

When the company changes, does the MBM change?

In compulsory motor third party liability insurance, the calculation is not a simple task. The full insurance history of the driver is taken into account. Consider a few common options, how you can find out your coefficient.

1. When servicing in the same insurance company, the data is stored in the internal database. Then, when a new policy is drawn up, the agent peeks into it and voices the final value.
2. If the car owner wants to change the insurance company, then in order to save discounts, he must submit a certificate from the company in which he insured before.
3. But even if there is no reference, there is an automated database of the PCA operator, which stores information about all citizens who have received policies. Nevertheless, it is best to personally monitor this process, because it happens that the information of the SC has not been made or there are failures in the system.
4. On the official websites of some insurance companies, a special service is provided, which allows to calculate the MSC in the case of MTPL insurance. It is an online calculator service. At the same time, the driver is checked on the basis of the Russian Union of Motor Insurers.
5. It also happens that some ICs are prescribed by the MSC in the policy. Study it carefully: is it the driver's name or the "special marks" of the coefficient. However, since this information does not necessarily need to be reflected in the policy, it is not infrequently entered.
6. Try to call the insurance company by phone, indicated on the stamp in the policy of the insurer. Ask to connect with the department of OSAGO and say that they intend to renew the contract, so you want to get acquainted with your class for the next year.

How is it calculated?

Previously, the MSC for insurance linked to a certain car. Therefore, when one car was sold, all bonuses were reset. This method was clearly inconvenient and unprofitable. Therefore, when identifying shortcomings of the system, it was changed, and the MSCs were linked to the person, not the car.

The indicators of MSC in insurance are 15 classes, the values of which vary from 2.45 to 0.5. The client who applied to the insurance company for the first time gets a third class and has a standard cost.

Every year, when accidents due to driver's fault do not happen, MSC decreases. That is, next year at 5% discount class will be the 4th. However, in the event of an accident, the class will inevitably go down through the fault of the owner of OSAGO , and the cost of insurance will increase. Calculations are made according to a special table of MSC.

If there are several drivers in the policy, the calculation is made according to the maximum MFM of one of them. And if it provides for the use of the car without restriction, the calculation is based on how much payments were made for the previous policy.

Nothing but the truth

With the CMTPL, the agent can ask how many accidents there were. Of course, the automated system is very good, but still the UK, as a rule, prefers to be reinsured.

Under the rules of MTPL it is prohibited to provide false information. If it turns out, the compulsory insurance contract will be invalidated, and the money spent on it will not be given back. Not the best fate awaits those who have the deception found after the accident. Then the contract will be terminated through the court, and the payments will have to be reimbursed in person. And that is not all. The next time, when the driver will make out insurance, the price for it will increase by half, that is, KBM will rise to 1.5 times. Therefore, it is better to never deceive the UK when signing OSAGO.

KBM = 1

It happens that KBM is equal to one. This happens in the following cases:

1. When vehicles are insured, which belong to foreigners (such cars are usually in Russia temporarily).
2. When insuring trailers.
3. With insurance for an extremely short period of time.

Overestimate the cost of insurance

Sometimes try to deceive the opponent, not only unscrupulous car owners, but also the UK itself. This is an unreasonable overstatement of the cost of the policy.

Most often this is simply mute about the MSC. A standard calculation can be offered, though accurate, but not knowledgeable in insurance matters to the driver.

That is, it turns out that the same size of the MBM for insurance for the first time remains the same from year to year. And this can seriously affect the amount of insurance.

Another common method used by agents is to impose additional insurance. Thus, the cost can also increase significantly. Often, management requires workers to try to sell insurance that is unnecessary to customers.

Of course, reacting to such things should be determined. First, ask for a policy without unnecessary offers, and if this does not help, then threaten that you will complain to the appropriate authorities. In most cases this works convincingly.

It also happens that when switching from another company, the insurers put the coefficient-unit on the client.

Take into account - if you lose your MSC, it will take a long time to recover, and with it, finance will disappear.

How to save money?

So, we'll figure it out: how to make to pay for a policy less. Here, the following aspects are important:

• Territorial coefficient. It is a question of the driver, the permanent registration of which in the province or in the village. For him, the cost of insurance will be significantly lower than that of a resident in the capital. Many townspeople who have relatives in the outback register TS for them and drive by car under a general power of attorney.
• It is better to write in the policy of specific people who can be entrusted to the vehicle, than to buy insurance with the permission to drive everyone. The latter option will be much more expensive. In addition, you should carefully consider whether the MBM will change for insurance without restrictions.
• If you do not get in for driving in winter, it is better to purchase a policy for several months - when planning to use the vehicle.

Recent changes of SAR

Since December of last year, the Russian Union of Motor Insurers has introduced a new procedure for applying MSC in insurance. What are these changes? The algorithm is that if the policyholder does not agree with the values of the coefficient, the UK must check the value in the AIS of the SAR. In the event of a mismatch with the used insurer, what was revealed is applied. Then the coefficient will be taken into account not only in the current policy, but also in all subsequent ones. Let's look at the table.

Legal basis

Normative documents that regulate the MSC system:

• Law on OSAGO, articles 9, 15.
• Rules of compulsory motor TPL insurance, paras. 20, 35.
• Government Resolution No. 739.

In addition, there is a detailed "SAR Methodical Manual for Training Employees of Insurance Organizations No. 7".

The case in Rosgosstrakh

Several years ago, in one of the largest insurance companies - Rosgosstrakh, once decided and the MSC with the insurance of OSAGO canceled. And it was convenient for unscrupulous insurers - in other companies there were no forms, so drivers had to buy in Rosgosstrakh a policy with zero class.

Moreover, in some offices imposed and additional insurance, as well as passing a vehicle inspection even in the case of a valid diagnostic card.

Justice was sought by those who defended their rights: in this case, the KBM class. Do I have to sue? As is known, it is necessary for the court to have a base, which consists of written evidence (in advance it should be written in all instances in order to obtain from them an official position in writing), as well as witnesses, audio, video recordings and the like. But more often such issues can be resolved without bringing the matter to court.

Of course, it is not very profitable for insurance companies to pay a discount of up to 50% for accident-free operation. Therefore, employees go to various tricks to reset it. In addition, car owners can pay for their illiteracy. After all, some do not even know about the existence of the MSC.

Therefore, if an error occurs and your CBM is reset, then the following steps must be taken to restore it:

• If after the error occurred less than a year, send a letter to the SAR with a request for verification;
• To the letter should be enclosed copies of the driver's license and the old policy with the correct MSC;
• If there is no answer more than a few months, you should contact the Central Bank of Russia, from where the correct MSC will be received, with recalculation.

Conclusion

From the article we learned about KBM: what does abbreviation stand for, how it is calculated, what problems may arise with its design and how to solve them. "Forewarned" means armed ", - well, this is the same case. Is MSC currently active in the insurance of OSAGO? Of course. Be careful when preparing insurance, do not give in to pressure and do not agree to unnecessary additional "options", and if a violation of the MSC calculation is revealed, challenge it and get the right indicators.