On the eve of Vladimir Putin signed a draft amendment of the Ministry of Finance to the law on CTP. These amendments will enter into force in October 2019. The amendments include:
- The introduction of a single limit on payments evroprotokol throughout Russia;
- E-policies will equalize the rights to the paper;
- The possibility of registration of the accident through the website of public Services or a special application.
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E-policies will equalize the rights to the paper
According to the amendments, the status of paper and electronic policies becomes equal. The main purpose of the innovation is to combat counterfeiting and duplication of numbers of two types of policies. In addition, from October drivers will have the right not to carry a paper policy or its printout. The police officer will be enough to announce the number of the policy.
Immediately after the purchase of an electronic policy, its unique number automatically enters the database of the RSA, which prevents the risk that the insurance agent forgot to manually enter the number into the database. Also, the client will not be able to pay for the policy with an invalid number, as it is assigned automatically. History with "lost" forms and revoked policies will sink into oblivion.
The introduction of a single limit payments on the Euro Protocol throughout Russia
Limit payments for accidents, issued independently without the participation of traffic police, will increase. The limit will be 400 thousand RUB, the Limit will be uniform throughout the country. Now this limit is valid only in the city of Moscow, St. Petersburg and in their regions, in the regions the limit is 100 thousand rubles. At the same time there is a reservation that the maximum limit is valid only when you make an accident using technical means, that is, a mobile application that takes pictures and fixes the coordinates, and the cars of the accident participants should be equipped with the "ERA-GLONASS"system.
When making an accident without the use of technical means, the participants of the accident will be able to count on the same 100 thousand roubles, the Same amount will be limited to the amount of payments, if motorists do not agree about the circumstances of the accident and the guilt of any of the participants.
The possibility of registration of the accident through the website of public Services or a special application.
In September of 2019 shall make application "Helper insurance". This application is designed to help road accident participants to record information about the accident, to fix the coordinates of the accident site, as well as to carry out photography. In addition to this application, for registration of an accident, you can use the portal of public services, but only in light of an accident with the amount of damage up to 100 thousand rubles.
Already in Russia operates its own application of the Russian Union of motor insurance "accident.Evroprotokol" that allows you to arrange the accident and to provide information to a unified database of accidents. However, unfortunately, the work of this application, users have a lot of claims, so it is not popular.
The term of informing about the accident will increase
Currently, there is a requirement to inform the insurer about the accident by the person responsible for the accident within 5 days. If this requirement is not met, the insurance company has the right to make a regressive claim for damages to the person responsible for the accident.
From October 2019, the five-day period will be canceled, although the obligation to send a copy of the notice to the insurance company to the culprit of the accident will remain.
With the traditional paper design of the accident, the requirements of the RSA will remain the same, but the period of informing the insurer will not be limited. Representatives of the RSA have repeatedly tried to introduce a compromise – a 30-day period, believing that the absence of restrictions will allow fraudsters to hide the circumstances of the accident, but the Ministry of Finance did not listen to these requirements.
Pedestrians under protection
Pedestrians who were responsible for the accident, received in the accident harm to health, get rid of responsibility, they will avoid the obligation to compensate for the damage to motorists. The amendments provide for the exemption of pedestrians from the regressive requirements of insurers. But if the pedestrian who provoked the accident did not get injured, the insurance company that paid for the repair of the car, still has the right to put him a recourse claim for damages.
Drunk motorists will pay themselves
According to the current regulations, insurers who have paid money to the injured party, have the right to recover from the drunk driver – the culprit of the accident the entire amount of damage, despite the presence of his current insurance policy.
However, if the person responsible for the accident refused a medical examination for alcohol intoxication, the insurance company could not present him a recourse. In October, refuseniks will actually be equated to drunks, which will enable insurers to recover damages from them in the usual manner.
Reinsurance
The system of reinsurance, when the risks of insurers are guaranteed not only by their own funds, but also by the resources of larger insurance companies, will make the market more stable and eliminate bankruptcy. The amendments provide for the transfer of 10% of the segment's risks to the Russian national reinsurance company, which is owned by the Central Bank.
