The bonus-malos coefficient, which is used when calculating the cost of OSAGO insurance for a car, often becomes a stumbling block between the car owner and the insurance company. What to do if MSC is calculated incorrectly and how to return the previous benefits?
It is necessary
- Insurance policies for the current and previous year,
- Driver's license.
Instructions
Step 1
First, figure out why the insurance company lowered your MSC. There may be several reasons for this. If over the past year you applied for payments to the insurance company as a result of an accident, it is logical that the coefficient will be lowered for you. Also, if you missed one year or more and did not insure the car (or were not included in the insurance), your MSC will return to the initial level.
Step 2
If the above reasons to lower the MSC were not, then your data was simply lost in the insurance company. This often happens when moving from one insurance to another. In this case, you need to pay for insurance for a new calculation and write an application to search for your data. It is better to do this in person at the office of the company. If you decide to contact the Russian Union of Insurers (RSA), you will only waste your time. They will refer you back to your insurance company.
Step 3
If the insurance company left the KBM unchanged, referring to the fact that your data is not in the database, go “higher”. PCA belongs to the Central Bank and all problems related to their activities can be solved through it. Go to the official website of the Central Bank, find the link "Information on OSAGO" in the menu on the left, follow it, then find the button "Submit a complaint". Find in the menu "Incorrect use of KBM". Fill out the application in the form, indicating your personal data and insurance numbers.
Step 4
Be prepared to consider your application within 60 days. As a rule, the data is found and the insurance company recalculates the cost of the insurance contract and returns you the difference for the paid policy.
