The insurance payments for compulsory motor third party liability insurance are decreasing. What compensation to expect and what is the reason for the decrease in the amount of payments?
In accordance with the decision of the Supreme Court of the Russian Federation, damage from road accidents will be calculated using a single method, taking into account the deterioration of the vehicle. Prior to this decision of the Supreme Court, the wear of the car was not taken into account, the following situation existed:
• some courts have unambiguously paid the full amount claimed by the insured, • others, based on the position of the insurance company, paid compensation in accordance with expert judgment.
So, if earlier the victim was charged a certain amount to restore the car, he could sue and demand additional payments from the insurance, providing checks and receipts that do not always correspond to reality. Because of this, in the regions, up to 70% of insurance companies have become unprofitable. Now, how much the expert calculates, taking into account wear and tear, only the insured will receive.
At the same time, the maximum amount of payments for OSAGO remained the same. You can claim up to 400 thousand rubles. An amount exceeding 400 thousand rubles is subject to recovery from the perpetrator of the accident in court, if he refuses to compensate it voluntarily.
In addition, the victim now has a choice. Previously, only monetary compensation was required for insurance. Under the new rules, the car owner can get a choice of:
• money, • car repair (at the technical station with which the insurance company has signed a contract).
According to experts, payments for compulsory motor third party liability insurance may decrease by 15, or even 50%, depending on the year of manufacture of the car. That is, for a car over 20 years old, the amount of payments will be minimal.
