The cost of OSAGO can rise up to 80% for emergency car owners if new amendments are adopted. Igor Yurgens, President of the Russian Union of Motor Insurers (RSA), spoke about this.
According to the provisions of the planned reform of the mandatory "car citizen", the limit of compensation for harm to life and health will increase 4 times from the current 500 thousand to 2 million rubles. The second innovation will be the refusal to take into account the depreciation of parts for OSAGO, which is going to be introduced later in order to prevent too noticeable growth in tariffs.
The Bank of Russia estimated the total growth of tariffs at 48%. The RSA forecast in case of adoption of the amendments is simultaneously higher - up to 60% on average. According to Yurgens, for some, the increase will be 10-15% (at the same time, a price reduction is also possible), and for emergency car owners, the increase may reach 80%. The PCA report notes that now the most emergency categories - taxis - are underestimated in terms of tariffs, and ordinary car owners “pay extra” for them, despite the fact that the taxi companies themselves have almost doubled the prices for trips.
“My prediction is that we will probably start with 2 million rubles to expand the limits of payments, because this is logical in order to make uniform coverage for harm to life and health for all compulsory types of insurance. In addition, the loss of human life is estimated at 2 million rubles not only in insurance, but also in other state payments. Next, we will go to evaluate how much it will cost to cancel depreciation and when it can really be put into practice,” Yurgens said.
The reform also provides for the abolition of the power factor and regional factors. Its ultimate goal will be free pricing in OSAGO, when the tariff will be limited by the regulator only from above and below, the PCA said. The amendments are being discussed between the Ministry of Finance and the Bank of Russia with the participation of the RAMI.
The average cost of an OSAGO policy for the first three weeks of 2022 is 5,304 rubles. In 2021, this figure was lower - 5247 rubles.
Earlier it became known that motorists massively complain about the non-working official application, which allows to issue an accident according to the "European protocol".
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