One by one, insurers withdraw from the market. It's no secret avtograzhdanki became for many companies, the cause of ruin and mass bankruptcies. In the situation even interrupted the Ministry of Finance: the new project, the agency plans to increase the insurance payoff. However, about one-third rise and prices. However, market experts believe it will not save the situation, it is necessary to radically change the whole system. Perhaps, the amendments will take effect from January 1, 2011. Then the maximal payoff will increase from 25 to 50 thousand rubles., Compensation in case of damage to the property will increase to 200 thousand rubles. And for damage to life and health of citizens - from 160 thousand to 500 thousand rubles. Thus, in some cases, monetary compensation will increase by 3 times as much, by the same increase and the cost of the compulsory motor TPL insurance, are signaling regulators. The law has long demanded that the adjustments are justified. The amount of damages at times approached 100%, for example, just last year took the market 17 companies. And considering that the tariffs for compulsory motor TPL insurance policies in the last 7 years did not significantly changed, we had something to do with it. Now the Finance Ministry proposes to introduce minimum and maximum price thresholds. On the one hand, it would save insurers, experts say, on the other hand, car owners are dissatisfied with the changes under preparation. According to the last, to obtain insurance payment still has not been easy, it is unlikely the situation will change substantially. I can not be objective on this issue, but it seems to me that it was not in the law and the system recognizes the head of department of methodology of compulsory insurance company AlfaStrakhovanie Denis Makarov. In his view, the discontent on payments due to the fact that there is a responsible approach, there are no programs, a single specific system provided for by law. However, these changes are needed, he said. Average loss has increased and changed the average price of the car, so all changes must have an impact on the legislative level. The main thing is to not repeat the situation in 2003, warns the head of the legal department of the "Insurance Shop Expert Marina Golyshkin. Then the rates for this type of insurance have been overestimated by 2-3 times. As a result, insurers have started to receive profit, which was subsequently "ate" inflation and resulting effects (rising prices for parts, an increase in the cost of hours of work, the introduction of direct claims settlement, etc.). During this period, insurers were able to prepare a sufficient amount of "financial cushion" under payments avtograzhdanki, but nothing like this has not been done. Now the situation in 2003 could be repeated, and then insurance companies will once again return to the super-profits, and the problems will remain unresolved complains Golyshkin. On the whole, against the backdrop of the crisis any increase in base rates may add social tensions. For its recognition, the insurance company is not the first insisted on raising tariffs OSAGO. Motivate them is the fact that the loss-making segment OSAGO from year to year increases. Of course, this is the same obvious fact as the fact that the tariffs do not change, notes Golyshkin. However, only the increase in tariffs on avtograzhdanki situation will not change. This requires a combination of measures: raising the limit payments, amendments to the law itself and the rules on compulsory motor TPL insurance. In addition, you need to determine how adequately the stated tariff increase real market situation.
No comments:
Post a Comment