Tariffs of Osago

For several months, there have been rumors about an upcoming increase in OSAGO tariffs. Lobbying of the interests of insurance companies is put on a high level. The mass media cite various "experts", most of which, in actual fact, are direct participants in the insurance market. Discussions on the Internet warm up interest in the topic. And this is understandable: in a country where a park of only passenger cars has long exceeded the mark of 30 million, there can be no other way.

And it seems at first glance that the arguments cited by the initiator of rumors - the Ministry of Finance, and picked up by various heralds of insurance business, are quite reasonable. Since the introduction of the law on compulsory motor TPL insurance, the real accumulated inflation has made, in spite of the reports of the same Ministry of Finance, more than 270%. And the basic tariff, meanwhile, was not revised.

And the very idea of liability insurance is very good. With proper implementation, it must provide citizens-car owners with a host of amenities. But, as we see, citizens are unhappy.

One of the reasons for this discontent is not even the tariff itself, but the mechanism for its calculation. The Ministry of Finance, the Internal Revenue Service and, in general, the current government are stubbornly tied to all taxes and fees collected from car owners, directly to a specific vehicle.

But how is this possible if we are talking about civil liability insurance? Can the car itself be responsible? Yes, and civil? Of course no. Responsibility is borne by the citizen. From the moment he receives a driver's license, a citizen or citizen of Russia assumes the right to drive a vehicle and is responsible for the possible consequences of violation of the rules and norms of road traffic adopted in the country.

So why is the cost of car insurance depends on which car he drives? Does a driver's license determine a particular car that a driver can drive? No, certification only indicates the type of vehicle.

As a deputy of the State Duma of the Russian Federation, I repeatedly received requests from voters to clarify this legal incident. As a lawyer, she spent considerable time studying the legal component of this issue in Russia and in the world. And my conclusion is unambiguous. Motor third party liability insurance can not be tied to a particular car.

Why do we have a different system today? Why not take into account world experience and do not follow the logic? The only thing that comes to mind is the proverb about the stars that do not light up, if it is not necessary for someone. Needless to say, there are fewer drivers in the country than motor vehicles of all categories that are subject to insurance. So it means more insurance fees.

And I personally, and the entire Just Russia faction in the State Duma, disagree with the current formula for calculation of OSAGO tariffs, and we consider it unfair, designed to defend the interests of insurance companies, and not citizens of Russia.

It is necessary to radically revise the mechanism for calculating OSAGO tariffs, completely excluding from the formula all the coefficients associated with the power of the vehicle. The calculation should take open in rights categories, the total experience of driving and, of course, the experience of trouble-free driving. In order to avoid cases of fraud and change of the insurance company "after the accident", it is necessary to form a consolidated database of the State Traffic Safety Inspectorate and companies that are part of the network of insurers of OSAGO, emergency and insurance cases. With the current level of development of information technology, this will not greatly complicate the procedure for issuing a policy, ease the financial burden on law-abiding drivers and protect insurance companies from dishonest ones.

In any case, the revision of the OSAGO tariffs, no matter what motivated it, seems completely unacceptable to me in its present form. By itself, driver's liability insurance is important for modern civilized society, but the revision of technology of this type of compulsory insurance is ripe , and today we need to consider the whole issue in a complex, taking into account the logic and interests of citizens, and not only defending the interests of insurance companies.