MTPL market expects a change

And they need to touch as insurers and vehicle owners. Officials decided to tighten the market situation auto insurance. Now the hard-core defaulters will select auto, and all forms of insurance companies will kvotirovatsya. For debts to pay more cars in July, the Chief Bailiff of the Moscow region, Vladimir Schepotin said that his agency intends to seize on compulsory motor TPL insurance policies and Hull those car owners who have various debts. Initially, the arrest of the car did not extend, however, soon FSSP (Federal Bailiffs Service ") of the Moscow region and Russian Union of Insurers (RSA) have made in preparing the draft amendments: arrest policies OSAGO and Hull debtors only with their car. This news caused a wide resonance among motorists. Not only that the policy would be selected, so now and the vehicles are selected, they responded to the actions of lawmakers. Meanwhile, Deputy Chief Bailiff of the Moscow region, Alexander Yudin has already explained the "Russian newspaper" the mechanism of arrest policy and the automobile. According to him, first bailiff finds that the debtor's property, then in accordance with the law "On Enforcement Proceedings" for a vehicle to seize for its subsequent sale of a specialized organization, and then the car will be realized, the car would be removed from registration with the Traffic Police . Naturally, the effect of the agreement OSAGO automatically terminated, and the insurance company lists the unused premium to the deposit account of the structural unit FSSP. At this point, according to statistics from the Russian Union of Insurers, "has opened more than 1,6 thousand execution against the debtor, while the average amount owed each of them is about 236 thousand rubles. Thus, it is estimated insurers in case of arrest of the insurance premium under the policy of compulsory motor TPL insurance, it will bring bailiffs about 2,5 thousand rubles, and if the debtor was CASCO more. And do all this only to explain officials to careless drivers were not on the roads with invalid policy OSAGO. After previously proposed simply to take away from the debtors of their policies. However, Hit them in the accident, which were to blame, the aggrieved party would be unable to receive compensation. Now everything will be much easier (though unknown to anyone): No OSAGO - no cars. Fighting shadow market authorities resent half the country goes to the invalid policy OSAGO. In theory, each insurance company that has its license revoked, shall suspend the sale of insurance policies and to return all forms. However, in practice it happens anyway. Insurers are not only return the forms, and continue to do their marketing. As a result, are often culprits of traffic accidents are becoming clients of non-existent companies! And since there is no insurer, then the money does not charge anyone with. That's understood then, who is right and who is to blame. According to the head of the Russian Union of Insurers, Pavel Bunin, to date, the volume of illegal trafficking of invalid insurance policies valued at 1.2 billion rubles. per year. And the volume of debt even more. As written by the magazine "Finance", a total of insurers who have left the market, owe about 7 billion rubles., And the company of this kind have not returned about 2.5 million forms! Tolerate that officials do not intend to. Yesterday the State Duma hearings on the new bill, which aims to establish quotas for the forms. True, is still unclear how the quotas will be allocated. RSA offered to install them, depending on the size of company, number of branches, sales of compulsory civil liability motor, etc. However, this proposal is not agreed to the competition authority. By the assurance of FAS, quoting policies may restrict competition in the market, so it's best to follow the rules "Rosstrakhnadzor. However, in whatever way may be made these changes, one thing is clear - the insurance market has long been in need. Annually lose approximately 15-20 licenses of bankrupt insurance companies (in 2009 the figure was 17), but not all go "beautiful." For example, many simply vanish with the money and forms, and yet the latter can be re-converted into money. And then it is hard to say what it might turn around and to the holder of such a policy, and for victims of road accidents.