Borderline state

State forced the Russians to maintain liability insurance on the road in 2003 and the first Russian car owners were outraged imposed by the service. Insurers also took legislative innovations with great enthusiasm: while the world analogues of our OSAGO are not highly profitable segment of this service increases insurance culture in general and encourages people to buy insurance on the property, health, life, etc. voluntarily, and that was on hand to insurers. In the first year of operation of law, Russians are much less likely to seek payment, rather than now, people habitually trying to deal with competing claims on the spot. But over time, treatment in the accident to the insurance was in the order of things, but because every year the segment OSAGO becoming less profitable for the insurer. The crisis has only exacerbated the situation. Rosstrakhnadzor recently announced preliminary results of I half of 2009 - payment of contributions exceeded only by 68.8%, and 3 years ago for the same period the difference was all 124%. It would seem that almost 70 per cent margin, and so provides insurers a bad fat, but some of these funds is deposited in the reserve accounts intended to pay the other part goes to taxes, administrative expenses, contributions to the Russian Union of Insurers (RSA), to which the State placed the regulation of compulsory motor TPL insurance (including payment of compensation to affected customers of bankrupt companies). As a result OSAGO even in big companies make a profit no higher than 10%, and for most of this area remains "moderately unprofitable." People began to count money. Someone once insured for one year, and now for six months. Along with the slowdown in the collection of premiums increased costs of insurance companies: because of the devaluation of the ruble rose imported parts, in addition, many automakers have reduced production - this factor also affected the final cost of spare parts. Alexei Mishin, head of car insurance "Mezhregiongaranta, leads such tsifty: in small towns and villages in the regions of the cost of compulsory motor TPL insurance for the car is about 1,5 thousand rubles. The average payout is 40 thousand rubles, that is for the company to be stuck in the negative, on a loss-making requires about forty breakeven contracts - if it is to take into account all the additional costs of the company. However, in practice, payments are on each tenth policy. Interferes with the representatives of the insurance industry to earn a OSAGO and prosperous in this segment of the swindle. There are new schemes: for example, dishonest drivers started to actively use the system introduced in March, direct claims settlement (SSP). Now the car owner can apply for a payment to the company not guilty accident, and his, if the incident involved only two machines, there is no disagreement over the culpability and the amount of damage is not more than 25 thousand rubles. In this case, no need to call the traffic police, which allows use of the situation. The Company's results of transactions on the SSP should hold weekly settlements, exposing each other demands. Based on PCA has created a unified database of insurance claims for the "simplified taxation, which helps to identify criminals: for example, one customer once tried to get the insurance payment on one occasion once in 8 companies. Customers, in turn, complain about the attempts of insurers to shortchange car owners: where some believe the damage at low rates somewhere altogether unreasonably denied benefits. Today, the victims refuse to pay even the big players, which has never been complaints from car owners. Company or by crook trying to delay the issuance of money even on the undisputed cases. Most often, problems arise from a bankrupt company. By law, the victim must apply to the PCA, after collecting all necessary documents. But the problem is that the bankrupt company before his departure from the market must provide all their documentation SAR, which often happens. True, this does not change the victim's right to payment, but still makes it difficult to move the case: in the SAR will need to provide original or a copy of the policy culprit accident. Judge for yourself: how many want to give your policy or contact the notary to certify a copy to someone else out there got the money? "Your problem," - in demand response that we hear from victims of traffic accidents the guilty party. During the seven months of this year, license already lost 13 insurers (more than for the whole year of 2008), and about two dozen are now under scrutiny Union. The growing market to attract agents and brokers for sales of its policyholders, small players were a violation of the requirements of RSA, which limits the size of agency commission of 10%. "It's no secret that the market does not pay commissions of 10%, as expected, and 20%, 30%, 40% or even 50%", - says Alexander May, CEO of the company "Ergo Russ. As a result, the amount of fees is significantly reduced, and now this generosity goes sideways companies - they do not have enough funds to repay customers. But many of them do not stop, and continue to expand its sales network - to the expense of new revenue to close the "hole". Despite all the complaints of insurers were profitable avtograzhdanki, advertising campaigns aimed at poaching customers, not diminished. Recently FAS freed the hands of companies: Antimonopolschiki recognized limitation of PCA violation of the law "On Protection of Competition", and now the size of commissions entirely left to the discretion of the players. Threatened were those companies that had a stake in his business is on avtograzhdanki. "In my opinion, insurance companies, with a portfolio of 40% or more contracts OSAGO, are at risk," - says Svetlana Hussar, the head of the Directorate of Insurance IC MAX. Another risk group - a company with a large share in the retail portfolios. For corporate clients, the cost of compulsory motor TPL above, but the accident rate is lower than in retail. To make the job market more stable, the government increases the reserves for claims companies. Now insurers are required to reserve 5% of profits coming from OSAGO. Since the new year they will have to give the reserves more. But although the government and force the insurers to create a "cushion of financial security, many companies find themselves in a difficult situation even before January next year - the ratio between profit and loss for many players continues to decline. According to the insurers, seriously change the situation for the better can the introduction of a unified database of insurance stories, which will not raise rates, and increase the amount of coverage - in fact unfair to motorists will be able to save.