The cost of MTPL policies is determined not at the initiative of the insurance company, but is approved by the Bank of Russia. It is calculated according to a certain algorithm, based on the base rate, which is multiplied by the odds.
In some cases, the driver can reduce the final price by his actions, for example, accident-free driving, or receive another discount.
○ How to find out your MTPL discount?
You can check your discount on the RSA website. To do this, you need to find the appropriate section and fill in information about the owner, the number of drivers allowed to drive, passport details, the start date of the contract, information about the vehicle, full name and date of birth.
If all information is entered correctly, the system will issue a coefficient that is valid for the existing insurance contract. If no agreement is concluded, then the value will be 1.
○ How is the cost of compulsory motor liability insurance formed?
The cost of the policy consists of the tariff and applied coefficients. All indicators are approved by the Bank of Russia, and the insurance company does not have the right to increase their value, therefore the cost of the policy in all insurance companies is the same.
For example, for a category B car owned by a citizen, the base rate is 3,432 rubles, which is multiplied by the coefficients:
- Territories.
- Accident-free driving (bonus-malus).
- The number of persons admitted to management (if the number is unlimited, the coefficient has a maximum value).
- Driving age and experience.
- Vehicle characteristics (power).
- Availability of a trailer.
- Insurance period.
The values of all coefficients are given in Bank of Russia Directive No. 3384-U dated September 19, 2014.
○ KBM.
This is also the bolus-malus coefficient assigned for accident-free driving. For each year of such use of the car, the discount increases by 5% or decreases. The coefficient changes every year based on the data of the insurance contract.
Accordingly, in order to receive a discount, you need to drive your car carefully and not get into an accident.
The coefficient is determined by the driver's class. All new drivers have class 3 and a coefficient of 1. Then, after a year of accident-free driving, the motorist is assigned class 4, a coefficient of 0.95. If he gets into an accident once and receives one payment, then his class will become 1, and the coefficient will increase to 1.55.
○ Violation rate.
If the insurance conditions are violated, the driver will be subject to a violation coefficient. It has only two values 1 and 1.5. The coefficient is assigned in the following cases:
- Providing false information in order to reduce the amount of the insurance premium.
- Intentional road accident.
- Intentionally causing harm to the health of another person.
- Intoxication causing an accident.
- Deprivation of rights.
- Leaving the scene of an accident.
- Driving a car by a driver who is not included in the insurance.
- The collision occurred during a period when the policy was not in effect.
In addition to the increasing factor, the driver will be fined or lose his license for committing an offense.
○ Age and experience coefficient.
It is determined simply: the lower the age and experience, the higher the coefficient and vice versa. Young inexperienced drivers will pay the most, their coefficient is 1.8. The smallest value is 1.
- “Up to 22 years of age inclusive with driving experience up to 3 years inclusive – 1.8;
- More than 22 years with driving experience up to 3 years inclusive – 1.7;
- Up to 22 years of age inclusive with driving experience over 3 years – 1.6;
- More than 22 years with driving experience over 3 years - 1" (clause 4 Appendix 2 to the Directive of the Bank of Russia dated September 19, 2014 N 3384-U)
○ Territory coefficient.
Determined based on the traffic congestion of a certain subject and the number of accidents. It differs in different regions.
As a rule, it has the highest value in major cities and densely populated regions, such as Moscow (2), St. Petersburg (1.8), Chelyabinsk (2.1), Rostov-on-Don (1.8). The lowest - 0.6 in Crimea, Chukotka Territory, Jewish Autonomous Region.
In other regions, the coefficient has an average value from 1 to 1.8. In a subject, the coefficient is usually less than in its center.
○ Discounts for regular customers.
Some insurance companies offer discounts to regular customers or as part of a promotion. These discounts come entirely from the insurer and are not regulated by federal law. Therefore, in order to buy a policy at a reduced price, you need to either be a regular customer of an insurance company that shows loyalty to clients, or follow promotions and news in the insurance industry.
○ What if the insurance company did not provide a discount.
When taking out a policy, the insurance company may not provide a discount on the CBM. There are several reasons:
- The driver changed his license and did not inform his insurer about it. Accordingly, there is a discount, but it applies to the old document. To avoid such situations, you need to notify the insurer about changes in the details of the driver's document in the database.
- An error was made when filling out the policy. The data in the database is entered from the policy, so it is recommended to read it and check all the data. If an error is discovered after purchase, you need to contact the insurer and demand that the errors be corrected and the cost recalculated.
- The insurance company lost its license and was liquidated, and along with it, the information disappeared. In this case, the driver must act through the PCA and restore his discount independently.
How are MTPL benefits provided for disabled people of group 2? Auto liability insurance is mandatory in Russia, unlike some other types of insurance. This is enshrined in law, and this provision applies to vehicle owners.
How are benefits provided under compulsory motor liability insurance for disabled people of group 2?
It is easier for disabled people to move around the city using transport. It is necessary to purchase a compulsory motor liability insurance policy, but, of course, this incurs costs - the document can be valued at a third of the price of the vehicle, and any person really wants to save money.
Benefits were provided for disabled people and taken into account limited opportunities and not always a good financial situation. But in order to receive MTPL benefits for disabled people, the main thing is to adhere to 3 basic rules that the government puts forward when providing a favorable offer:
- a disabled person has his own transport and uses it independently, with the exception of a disabled child who cannot drive a car, in this case a person who is a legal representative must be driving;
- the car is kept by a disabled person in accordance with medical indications, so that the person can move more comfortably around populated areas;
- In addition to the disabled owner, only 2 more people can officially use the car.
But under preferential terms, only 50% of the cost of the policy is covered and the amount specified in the insurance document is taken into account, and the next installments must be paid within the due time. However, the funds reimbursed may exceed half the cost. If regional authorities decide positively in favor of disabled people of group II, as well as III, then they may not have to pay payment under compulsory motor liability insurance.
All funds for beneficiaries are allocated from the budget specifically for those individuals who need social support.
These funds are expendable, so all these amounts are always strictly checked. If vehicle is used by a disabled person for other purposes, he may be deprived of compensation.
If it is discovered that vehicles are being used, for example, for commercial purposes, MTPL benefits for disabled people of groups 2 and 3 can be eliminated, and the authorized bodies have the right to make demands, insisting that all funds received so far be returned to the state.
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What documents need to be provided
Disabled people are required to apply for their benefits on time. Compensation will not come on its own; it must be submitted. To do this, the authority social protection, which is located at the place of residence of the disabled person, the following necessary documents are provided with a pre-prepared application requesting lower payment and photocopies:
- passport of a citizen of the Russian Federation;
- certificate of disability;
- a medical report indicating that a disabled person needs to use transport for ease of movement in a populated area;
- purchased MTPL policy;
- a receipt confirming payment of insurance;
- technical passport for the vehicle that the disabled person owns.
These are the basic documents that are usually sufficient, but others may be needed. Therefore, it is better to take care of this in advance.
In order to have time to apply for MTPL benefits for disabled people of groups 3 or 2 and get your money back on time, you need to submit your application before December 10. After consideration of the application, the money will be available.
It may happen that the unified database provides incorrect information or you had to change your rights, and all the data about the preferential discount was lost. Therefore, information about the change of rights must be provided so that the database contains the correct information.
OSAGO, being a mandatory state motor third party liability insurance policy, today provides motor vehicle insurance throughout Russia. Both ordinary citizens and persons with legal status can take out a policy in 2019. Against the background of general legal relations, one can highlight benefits for people with disabilities, enshrined in state laws and local administrative acts.
The legislative framework
According to the standards established by federal law, all vehicle owners must be insured and must have a personalized policy in their car. At the request of traffic police representatives, car owners are required to immediately present it.
In 2019, administrative districts for compulsory motor third party liability insurance set out benefits for people with disabilities in laws that clarify the procedure for obtaining privileges.
The movement of disabled people in uncomfortable urban conditions is most often carried out by car. Therefore, when applying for compulsory motor liability insurance, this category of citizens is provided with preferential conditions.
Attention! MTPL benefits for disabled people of group 1, as well as for groups 2 and 3, provide for the purchase of a policy with a 50% discount.
In different regions of Russia, the size of this benefit is different. At the same time, the peculiarity of purchasing insurance is to pay for the policy in full with the subsequent return of part of the costs.
Important points:
- the cost of compulsory motor liability insurance can be reduced only when purchasing insurance for one car;
- the car must be the property of the person, physical abilities which are somewhat limited;
- All persons enrolled in insurance have the right to take advantage of the preference (no more than two people, not including the owner).
Since a disabled person does not always have the opportunity to drive his own car, his relatives can receive a discount, namely:
- parents of a disabled child and his official representatives;
- persons caring for incapacitated citizens with the presence of;
- persons accompanying citizens from
The amount of compensation is determined based on the cost of the vehicle title. And it is equal to half of this amount.
Also, persons with disabilities may be provided with optional preferences, the receipt of which is possible if:
- the beneficiary has been insured by one organization for several years;
- the disabled person has not been involved in an accident for a long time.
For your information! Registration of insurance includes a clause where the name of a relative is indicated, who in the event of the death of the car owner will be able to receive insurance payment.
Features of granting privileges
When purchasing compulsory motor liability insurance, you should understand that its cost is individual in each case. In this case, factors that influence the possibility of a traffic accident are taken into account. These include:
- presence of an accident;
- driving experience;
- age of the insured person.
After analyzing these factors, insurance agents determine the cost of insurance and enter into an agreement upon receipt of an application from beneficiaries.
For your information! A statement of desire to conclude an insurance contract must be written, since this procedure is voluntary.
You can familiarize yourself with a sample application for receiving benefits under compulsory motor liability insurance for persons with a certain disability group on our portal.
Total The papers required to obtain insurance should be divided into two packages. The first package will include papers aimed at purchasing a motor vehicle license:
Receiving compensation for damage caused by an accident will be carried out in the presence of another package of documents. It should include:
- MTPL insurance;
- documents confirming the availability of a car;
- calculation by the assessment commission of the amount of damage.
The social service, after receiving documentation for insurance compensation, reviews the case within two weeks and issues its verdict in writing.
Is it possible to receive insurance compensation in cash?
In 2019, insurance compensation is provided to disabled people only in material form. This decision is justified by the fact that the cars of disabled people and people in privileged categories are equipped with special technical components, the repair of which requires special maintenance. The insurance company will be able to provide such special repairs.
Insurance compensation is carried out in the following stages:
- The insurer records a traffic accident.
- We collect documents confirming the circumstances of the damage to the car.
- The car is handed over to a specialist to assess its condition.
- The costs of restoring the car are calculated.
- The collected documents are provided to insurance company to repair a damaged car.
Most often, a damaged car is sent to a repair station, where, based on the work performed, the insurer reimburses the costs.
How is it possible to obtain a compulsory MTPL policy if a family has a disabled child?
Existing laws of Russia provide benefits for compulsory motor liability insurance for children with disabilities of all groups.
Considering that a sick child will not drive a vehicle, for this reason the insurance will not be for him, but for the adult family member who owns the car. This person must buy the policy.
When collecting documentation for drawing up a contract, a medical examination will be required to confirm the child’s disability and the composition of the family where the child lives.
The amount of compensation for the purchase of compulsory motor liability insurance, as for all persons with disabilities, is 50% of set price policy. The conditions for obtaining insurance after an accident do not differ from the rules listed above.
Are there any benefits under compulsory motor insurance for labor veterans?
This category of car owners has certain benefits in some Federal Districts. Therefore, if you have a Veteran of Labor certificate, before purchasing a policy, you should consult with representatives local authorities and from the insurer.
Current questions and answers
- Question 1. The disabled person's car was damaged during a traffic accident. How long does a car owner have the right to submit documents to receive insurance payment?
Answer 1. The owner of a vehicle damaged in an accident can receive insurance compensation for three years. After the expiration of this period, the right to insurance payment is lost.- Question 2. In what cases is it permissible to receive compensation in cash?
Answer 2. Based on Federal legislation, insurance compensation is provided in most cases in the form of car repairs. However, benefits under compulsory motor liability insurance for disabled people of group 2 (as well as for groups 1 and ) make it possible to receive a compensation payment in cash. Such payment is allowed in the following cases:
- if the beneficiary died ( cash paid to blood relatives);
- if the damage to the car does not give any hope of restoring it.
In this case, compensation payment in the form of money can be made no more than once within 3 years.
- Question 3. Is it possible in preferential category Upon receipt of compulsory motor liability insurance, should large families be included?
Answer 3. At the Federal level, large families were not provided with benefits when purchasing compulsory motor liability insurance in previous years and this year. However, some concessions may be granted by authorities local government. Therefore, before concluding a contract, you should consult with local authorities, after which you should discuss this issue with the insurer in order to take advantage of the benefits (if any).
Compulsory motor third party liability insurance for vehicle owners has dynamically entered the life of Russian motorists. The conclusion of an agreement on compulsory motor liability insurance affects many categories of citizens who count on benefits: disabled people, pensioners, participants in military operations, veterans, large families. A personal car for a disabled person is far from being a luxury. Often this is the only option for a disabled person to interact with outside world. Therefore, providing a discount on compulsory motor insurance for disabled motorists will help to significantly reduce the cost of purchasing a policy form.
OSAGO with a privilege according to the law
Benefits under compulsory motor liability insurance for disabled people of group 2, as well as group 1, are based on Government Decree No. 95 “On the rules for recognition individuals disabled people" dated February 20, 2006. Previously, Federal Law No. 181 "On Social Protection of Disabled Persons" was issued on November 24, 1995. However, adopted by Federal Law No. 40 "On Compulsory Insurance" dated April 25, 2002, obliges all car owners to insure their liability.
Due to the current situation, compulsory motor liability insurance for disabled people can only be guaranteed by the social protection authorities. Insurers, in turn, can accommodate people with disabilities. By prior arrangement, they issue a car insurance policy and charge the full fee. Next, the social security authorities return the preferential part of the paid contribution to the applicant.
Families of disabled children have the right to receive compulsory motor insurance benefits. All types are taken into account existing groups: I, II and III.
Veterans of communist labor have the right to check with local authorities regarding the social discount on their car permit. Some Federal districts deal with this problem and separately determine the size of the discount.
For combat veterans, it is planned to return part of the payment under compulsory motor liability insurance. Statistics indicate huge profits from purchasing policies for this category of citizens compared to compensation payments. The difference is about 5.8 billion rubles. The reason for this phenomenon lies in the minimal number of accidents involving veterans. Therefore, it is planned to return about 50% of the paid insurance premium to them.
The legislation does not provide for the provision of discounts to citizens of large families. However, in some unusual situations, it is possible to receive a refund of part of the premium by contacting the RSA ( Russian Union Auto insurers).
How is the discount applied?
First, you need to check with your insurer about this possibility. Legislation in the field compulsory insurance provides following conditions to provide a discount:
- The vehicle belongs to a disabled owner.
- One car per car owner.
- The vehicle is equipped with special accessories for disabled car owners.
In addition to the disabled owner, two more people are allowed to drive the car. They are: accompanying persons of the second group, guardians of individuals belonging to group 1, parents or legal representatives of disabled children from 1 to 3 years of age.
The purchase of the policy must be completed either by the beneficiary himself or by an authorized representative - a citizen with a General Power of Attorney.
Here's a list necessary documents provided by the insurer:
- Application requesting an insurance policy.
- Passport of a disabled applicant.
- Driver's licenses for the right to drive a car (maximum 3 people).
- PTS or registration certificate of a vehicle owned by a disabled applicant.
- Certificate of disability indicating the group (certificate).
- A valid diagnostic card for the insured vehicle.
Parents or guardians who have disabled children follow the same procedure. The only difference is that instead of the child’s passport, the child’s birth certificate is used. The passport of the legal representative (parents) and the guardianship document are required. The car must be equipped with a special booster or other individual devices.
Since we know that there is a 50% discount on part of the insurance premium, the beneficiary goes to the social security authorities to receive it. Any discount has documentary evidence. Therefore, it is possible to return half of the premium paid only if the following forms are provided:
- Application for benefits for purchasing an MTPL insurance policy.
- Passport of a disabled applicant.
- Certificate of disability.
- Permission to drive a car from a medical organization.
- Car insurance.
- Receipt for payment of the insurance contract.
- Bank account number for transferring discounts.
The benefit amount is calculated when paying for insurance. The final insurance premium serves as the basis for determining the final amount to be refunded.
What discounts do insurers offer?
Answering the question whether there is a discount for disabled policyholders, we answer unequivocally - no. However, the size of a car insurance premium is influenced by a number of factors. Here is their list:
- Vehicle category.
- Age and driving experience of drivers included in the policy.
- Territory of preferential movement of the car (registration or temporary registration at the place of residence of the disabled car owner).
- Car engine power (hp).
- Period of use of the vehicle (from three to twelve months).
- KBM is a bonus-malus coefficient, depending on accident-free driving.
Some of the factors described do not depend on motorists, but there are those that directly depend on them. For example, if you allow an inexperienced driver under 22 years of age to drive a car, the price of insurance will almost double. Regarding KBM, thanks to this bonus, every year of accident-free driving the price of a car license is reduced by 0.5%.
In other words, the bonus-malus coefficient accumulates for each individual driver. When including several drivers in the insurance policy, KBM is used with lowest value. From which we come to the conclusion that the cost of an insurance policy is calculated individually, consisting of many factors.
Attention! The bonus, called KBM, is always used for all drivers, without exception, for driving without an accident. Interruption of such “experience”, namely absence of driving for more than a year, threatens the loss of accumulated bonuses. An accident caused by the driver reduces his accumulated discount.
Compensation for damage under compulsory motor liability insurance
Benefits under compulsory motor liability insurance for disabled people of groups 1 and 2, as well as families of disabled children, concern not only the registration of insurance. If an accident occurs, if the beneficiary is not at fault, he has the right to demand a monetary payment. Any victim of a collision on the road can use the services. Despite the Federal Law adopted on March 28, 2017 “On the priority of material compensation for damage before cash payments", financial compensation is allowed.
A disabled person may refuse to have a damaged vehicle repaired if:
- Restoration repairs exceed the cost of the car.
- The car cannot be repaired, and its breakdowns account for more than 80%.
- The cost of restoration work exceeds maximum limit responsibility. Now it amounts to 400 thousand rubles for the property of each victim, not to mention bodily injuries. At the same time, the motorist is not able to pay the missing part of the funds.
- The innocent driver was killed or moderately to severely injured in the accident. The next of kin receive compensation for the deceased driver.
- Cash compensation under compulsory motor liability insurance for disabled people of groups I and II. due once every three years.
- There were difficulties at the service station. For example, restoration work lasted more than 30 days. The victim’s place of residence should not be more than 50 km from the nearest service station. The service station must have a license to repair vehicles no older than two years.
All of the above conditions allow you to refuse repairs under compulsory motor liability insurance and take the equivalent in a financial transfer. If you are refused payment in cash, then there is only one way out - going to court. Three years must not pass from the date of the accident and the submission of documentation for loss settlement. After the three-year period, the statement of claim to the judicial authority will not have legal force.
On a note! Not only the car owner himself, but also any other person has the right to take out insurance. In the contract he already acts as the insured. In this case, you must have two identification documents: the owner of the car and the policyholder.
Successful registration of benefits and loyalty of local authorities!
In this article, we will look at what benefits there are under compulsory motor insurance for disabled people of groups 1, 2 and 3 in 2019. But first, you should learn about the MTPL policy in more detail.
Automobile liability insurance in the Russian Federation is mandatory for all car owners. A document confirming the availability of such insurance is the MTPL insurance policy.
The Government of the Russian Federation establishes the value of the basic insurance tariff for compulsory motor liability insurance. The cost of insurance is calculated for each case individually by multiplying the base rate by special coefficients.
In what case can a disabled person receive benefits under compulsory motor liability insurance?
In accordance with the law, disabled people have the right to receive benefits under compulsory motor liability insurance. To do this, it is important to fulfill the following conditions:
1) a person with a disability must have a vehicle that meets his medical requirements. He must use this machine himself. If you do this condition is impossible (for example, we are talking about a disabled child), then his legal representative can be driving;
2) A maximum of two people can drive a car together with a driver who has a disability (or his legal representative).
Keep in mind that insurance benefits provide coverage of 50% of the cost of insurance. Only the amount written in the insurance policy. And the insurance premiums themselves must be paid without delay.
By the way, compensation for disabled people for compulsory motor liability insurance can be more than 50%. There may even be full compensation. The authorities of each region resolve this issue separately.
How is this benefit for disabled people issued?
Such benefits are issued on the territory of the Russian Federation by social protection authorities. To receive them, interested parties must provide the following documents to the mentioned authority:
- identification documents of the applicant;
- statement;
- documents confirming ownership of the car;
- insurance policy;
- a receipt for payment of the insurance premium according to the contract;
- car passport.
Don't forget: to receive compensation for the current year, submit your application before December 10. When the application is reviewed, the person will be awarded compensation at the place of residence.
03.11.2019
