The market motor worrisome trend. Payment of the guarantee funds of the Russian Union of Auto Insurers (SAR) under contracts OSAGO for lost license in July of this year for the first time exceeded income.
According to the vice-president SAR Andrew Baturkin, this month to guarantee funds were sent to insurers OSAGO 329.5 million rubles, and paid for bankrupt insurers 491 million rubles. According to SAR, the total assets exceed 10 billion rubles. Fund payments for the bankrupt company is 3.3 billion rubles.
Since the beginning of the year the market OSAGO already spent 13 insurance companies. PCA is concerned marked the trend and considers it extremely important to the end of the year a number of measures to prevent bankruptcies of insurance companies. In particular, the Association of Motor considers it necessary to expedite the passage of amendments to the law on bankruptcy of insurance companies.
Often, insurers are racing OSAGO XRD and claim self-destruction. This allows them to enter the contest managers, affiliated with the company. As a result, the remaining assets of the insurer immediately evaporates and he had nothing to answer for the obligations to clients, including contracts OSAGO.
Group President, RESO-Garantia "Sergey Sarkisov considers critical situation with the expenditure of funds SAR. "We understand that liberal law in the bankruptcy of insurance companies is leading 5-6 OSAGO insurers to pay for the irresponsibility of the leaders of other companies that drive them to bankruptcy and do not receive adequate punishment for it. We look at examples of how former executives of bankrupt insurers gain company with a valid license OSAGO the money collected from the insured, and start your game again. It would be misleading to assume that the leading insurers in OSAGO exhaustion guarantee funds SAR will be prepared easily "chip in" to replenish those funds. We understand that in the current situation, such a measure would provide additional opportunities for all sorts of scams ", - said S. Sarkisov.
SAR has reached an agreement with Rosstrahnadzorom need for a meeting with representatives of law enforcement agencies on issues related to the bankruptcy of insurers involved OSAGO.
Andrew Baturkin reported that stat calls with complaints against insurers OSAGO coincides with statistics Rosstrahnadzora: from the beginning, the number of such complaints has more than doubled. According to A. Baturkin, this trend reflects the fundamental problem of insurance companies and shows a desire to delay or reduce payments under contracts OSAGO. "The largest number of hits associated with complaints of under-insurance payments" - he said.
However, as reminded by the representative XRD, fair assessment of the repair cost is still impossible because of the lack of formal methodology of this calculation, which was supposed to prepare a Transport Ministry of Russia.
According to "RESO-Garantia", is currently among the depressed in terms of efficiency of operations OSAGO are 25 subjects of RF. In some regions, the payment, which does not include the costs of maintaining the insurance company has already exceeded 100%, said general director of RESO-Garantia "Dmitry Rakovschik.
He said that among the most unprofitable from the viewpoint of the Vologda region OSAGO with the level of payments to 134%, Murmansk region - 97,2%, the Arkhangelsk region - 92,2%, Perm region - 87,6%, the Republic of Adygea - 93 3%, Chita Oblast - 81%, Republic of Komi and Tatarstan - 82,3% and 85,8%, Kemerovo region - 80,2%.
With respect to payments under a simplified scheme of compulsory motor TPL insurance settlement, then, according to the chief of the direct settlement of losses XRD Yevgeny Vasilyev, the percentage of failures from them reaches 40%. "The system facilitated the settlement of losses since March, when order was introduced in Russia, it has received 500 complaints from policyholders who chose to settle insurance small events without having to call the representative of traffic police. As a result, 200 such statements made by the insurer refused to pay compensation" - E. Vasilyev said. He added that the total number of such applications a high proportion of those that cause serious doubts among the insurers on the grounds of fraud.
The Director-General SC RESO-Garantia Dmitry Rakovschik said that settlements for Hull and OSAGO between insurance companies is much more active this year, but the problem of debt in such transactions between insurers OSAGO still persists
According to the vice-president SAR Andrew Baturkin, this month to guarantee funds were sent to insurers OSAGO 329.5 million rubles, and paid for bankrupt insurers 491 million rubles. According to SAR, the total assets exceed 10 billion rubles. Fund payments for the bankrupt company is 3.3 billion rubles.
Since the beginning of the year the market OSAGO already spent 13 insurance companies. PCA is concerned marked the trend and considers it extremely important to the end of the year a number of measures to prevent bankruptcies of insurance companies. In particular, the Association of Motor considers it necessary to expedite the passage of amendments to the law on bankruptcy of insurance companies.
Often, insurers are racing OSAGO XRD and claim self-destruction. This allows them to enter the contest managers, affiliated with the company. As a result, the remaining assets of the insurer immediately evaporates and he had nothing to answer for the obligations to clients, including contracts OSAGO.
Group President, RESO-Garantia "Sergey Sarkisov considers critical situation with the expenditure of funds SAR. "We understand that liberal law in the bankruptcy of insurance companies is leading 5-6 OSAGO insurers to pay for the irresponsibility of the leaders of other companies that drive them to bankruptcy and do not receive adequate punishment for it. We look at examples of how former executives of bankrupt insurers gain company with a valid license OSAGO the money collected from the insured, and start your game again. It would be misleading to assume that the leading insurers in OSAGO exhaustion guarantee funds SAR will be prepared easily "chip in" to replenish those funds. We understand that in the current situation, such a measure would provide additional opportunities for all sorts of scams ", - said S. Sarkisov.
SAR has reached an agreement with Rosstrahnadzorom need for a meeting with representatives of law enforcement agencies on issues related to the bankruptcy of insurers involved OSAGO.
Andrew Baturkin reported that stat calls with complaints against insurers OSAGO coincides with statistics Rosstrahnadzora: from the beginning, the number of such complaints has more than doubled. According to A. Baturkin, this trend reflects the fundamental problem of insurance companies and shows a desire to delay or reduce payments under contracts OSAGO. "The largest number of hits associated with complaints of under-insurance payments" - he said.
However, as reminded by the representative XRD, fair assessment of the repair cost is still impossible because of the lack of formal methodology of this calculation, which was supposed to prepare a Transport Ministry of Russia.
According to "RESO-Garantia", is currently among the depressed in terms of efficiency of operations OSAGO are 25 subjects of RF. In some regions, the payment, which does not include the costs of maintaining the insurance company has already exceeded 100%, said general director of RESO-Garantia "Dmitry Rakovschik.
He said that among the most unprofitable from the viewpoint of the Vologda region OSAGO with the level of payments to 134%, Murmansk region - 97,2%, the Arkhangelsk region - 92,2%, Perm region - 87,6%, the Republic of Adygea - 93 3%, Chita Oblast - 81%, Republic of Komi and Tatarstan - 82,3% and 85,8%, Kemerovo region - 80,2%.
With respect to payments under a simplified scheme of compulsory motor TPL insurance settlement, then, according to the chief of the direct settlement of losses XRD Yevgeny Vasilyev, the percentage of failures from them reaches 40%. "The system facilitated the settlement of losses since March, when order was introduced in Russia, it has received 500 complaints from policyholders who chose to settle insurance small events without having to call the representative of traffic police. As a result, 200 such statements made by the insurer refused to pay compensation" - E. Vasilyev said. He added that the total number of such applications a high proportion of those that cause serious doubts among the insurers on the grounds of fraud.
The Director-General SC RESO-Garantia Dmitry Rakovschik said that settlements for Hull and OSAGO between insurance companies is much more active this year, but the problem of debt in such transactions between insurers OSAGO still persists
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