However, the new "simplified" order there are lots of disadvantages. The new law on compulsory motor TPL insurance payment procedure is aimed at saving the most expensive to date resource - time. However, savings in the accident minutes in the future can turn into hours spent in the offices of insurance companies and in the halls of the courts. Insurers will be a special wary of claims for payment under the direct settlement, since it is especially in the first stage will be the focus of interest in insurance fraud. But how to distinguish a con artist from a respectable citizen who simply can not be qualified to calculate the damage road transport? Policyholders will have to take on the role of the independent expert valuation of the proposed repairs. And in fact, and in another case, the errors will be quite expensive to manage, says deputy head of the management methodology and underwriting of insurance of vehicles, "National Insurance Group, Oleg Lisnik. Damage to one, but the cost is different is not clear what to do if the victim in determining prior damage from accidents found that 25 000 rub. cover all losses, but in fact it turned out that it is necessary at times more. For example, later found hidden damage or defects. However, to get something from above is impossible. In the case of simplified procedure for registration of a victim who has received an insurance payment, the insurer will not be able to present additional claims for damages caused to property, even if detected, for example, latent defects, which were identified later - to the expert services Legal consulting WARRANTIES, K. ??Yu. Mr. Anna Kuzmina. However, the victim has the right to contact the insurer for compensation for damage caused to life or health, which emerged after a claim for insurance payment. How will this work order, time will tell. Today there is no single method and the definition of damage independent evaluators, and different systems of evaluation in this case may lead to discrepancies in determining the extent of damage from the accident. Therefore, drivers need to urgently increase its level of technical expertise. But problems may still arise. If abroad for insurance companies and technical expertise, there are clear guidelines for determining the damage, then we have no uniform methodology for assessing the damage and did not fulfilled the requirements of RF Government Decree of 24 April 2003 N 238 "On organization of independent technical examination of vehicles." "Doing public register of expert technicians assigned to the Ministry of Justice, but roster is not conducted, despite the fact that the long-approved procedure for maintaining the registry, the conditions and procedure for professional certification experts, technicians, carry out independent technical examination of vehicles, including requirements for experts technician CMTPL "- adds Anna Kuzmina. Gaps in the legislation Introduction of direct damages and the possibility of registration of insurance claims CMTPL in a simplified manner without the participation of authorized police officers will lead to serious problems in the market OSAGO. "In innovation projects have certain disadvantages, - said the center's director of underwriting motor risk of" GUTA-Insurance Oleg Shebanov. - Do not developed a system of mutual settlements between insurance companies: each insurer will carry out the calculation in its own way, which will inevitably lead to misunderstandings in dealing with cases between the companies. Direct reimbursement associated with the risk of defaults, because the paying customer, the insurer must get their money back. And it can be quite difficult. According to our calculations, the reserve for financial provision for compensation payments, which is formed by insurers in accordance with the law on compulsory motor TPL insurance, not enough to carry out compensation payments for all retired from the market of insurers - said director of the department of complex insurance Ingosstrakh Vitaly Knyaginichev. - In addition, no defined mechanism to protect the interests of insurers to properly perform its obligations to customers, the actions of companies that may evade the obligations of reparation under the direct damages (the mechanism of financial guarantees). In addition, there are no clearly defined procedures for bankruptcy and the transfer of insurance portfolio insurance organizations, making it impossible to settle claims of bankrupt clients, UK, and the transfer of the portfolio. Under consideration in the Duma has long been a bill amending the Law on Insurance in Russia ", which provides for the arbitration court's declaration of acceptance of the insurance company bankrupt if the aggregate of not less than 100 thousand rubles. and if they are not executed within 14 days. Also, the document provides for measures to prevent the bankruptcy of insurance companies, for example, developing and implementing the financial recovery plan, the introduction of the supervisory authority the interim administration. However, so far no progress there. incivility Insurance New rules were supposed to be another step in Russia on the path to European standards. But, as we see in the innovations have a number of flaws. So at first, and will be delays in payments and improper denials, and many other unpleasant things that will affect both the insured and the insurer. However, the complexities are not so much to gaps in law, as to the internal culture of doing business in the insurance community. Where can indeed take a unified methodology to assess damage or a system of mutual settlements between insurers if the insurers themselves do not create it? That is still the market is, to put it mildly , a disorder - the fault of the insurance companies and no one else, says Andrew Krupnov, Head of Strategic Planning and Marketing IJSC Russia. "- Industries has a long way to build a civilized field for business, the normal rules of interaction with each other, and legislative innovation can make a serious impetus for action in this direction. Indeed, as shown, without giving the accelerating pulse at the desired point to deal with the place does not move. We go to the "green card" This year our country has entered into the international car insurance Green Card. "Green card" - an international certificate of liability insurance of automobile owners, which operates in 44 countries. Now the Russians who travel by car abroad can buy policies to "green card" from domestic insurance companies. Previously, it was possible to buy insurance only at the border by foreign insurers. There are two versions of tariffs under the policy: - one for Belarus, Ukraine and Moldova, the other - for all other countries. Insurance for the trip to CIS states is cheaper: a policy for 15 days will cost 440 rubles. and for the year - 2000 rub. Two weeks in Europe will cost is 1,288 rubles. and a year - 11,7 thousand rubles. Participants in the accident (if there is no disagreement between the parties with respect to the guilt of a driver), fill out the form on the notice of the accident, sign it, exchange policies. If the controversy still exists, called the traffic police. Insured for "green card" has the right to seek the advice of his insurer or the Information Center of the Russian Union of Auto Insurers. All necessary phone numbers listed on the back of the card. Payments will be made on the limits of the country in which the accident occurred. For example, damage to the vehicle in Germany, the maximum threshold for payment is equal to 0.5 million euros and in Finland - 0.6 million euros. The same applies to damage to life and health.
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