The motor went up

On the eve of the insurance policies has increased dramatically in price. The motor now will cost half as much.

12 of April, came into effect the instruction of the Central Bank. According to this indication the base rate for CTP increases by 40-60 %. 20% is a tariff corridor, which can "play" the insurance companies to either retain existing customers or attract new ones.

Also according to this indication in some regions increased territorial factors. It should also be noted that in some regions they decrease. The increase of the coefficients associated with sharp, a possible increase of payments on OSAGO. 1 of April came into force new limits payments of life and health for CTP, as well as new rules for payment of these funds.

Territorial coefficients increase in Adygea, Kamchatka territory, the Republic of Mari El, Chuvashia, Voronezh, Amur, Kurgan, Murmansk and Chelyabinsk regions. The maximum increase will occur in Kamchatka and in Mordovia.

Previously, payments for health and life would be paid only when the cost of the care provided by statutory health insurance, did not cover costs. Continue the victims in the accident will receive compensation payments in any case. The amount of payments will depend on the severity and nature of his injuries. To determine these amounts is set up a special table which clearly shows the injury and its cost in %ratio to the maximum payout limit. The maximum limit of life and health for CTP from April 1 to 500 thousand rubles. Thus, if the victim in the accident, broke a finger, the injury expected 5%, he will get 25 thousand rubles.

However, motorists are more concerned with other numbers: how many now have to pay for insurance. Especially, this issue is of concern to those who did not receive payments on OSAGO, but only pays. For them, the assertions of the insurers, the cost of the policy will rise in price no more than 600-700 rubles.

Substantial tariff increase will affect the cost of CTP for those who are already involved in an accident. Consider an example, let's take the owner of the Ford Focus over 22 years, experience of management more than 10 years. If the motorist lives, for example, in Kazan or Moscow, then he will have to pay 1904 ruble for a new policy. If in Taganrog – 950 rubles.

But the most unlucky was young motorists under the age of 22 years, driving experience less than 3 years and already owning a car capacity from 100 to 120 HP For them, the insurance policy will increase in price to almost 4300 rubles.

A clear tariff arithmetic has led the Executive Director of the Russian Association of motor insurers Evgenie Ufimtsev. For example, he also took the Ford Focus. According to him, before the April price increase CTP for accident-free driver with little experience were in Moscow – 4,4 thousand rubles, in Kaliningrad – 2.4 thousand rubles in Crimea – 1,3 thousand rbl., in Vladimir – 3,5 thousand rubles After the April increase in Moscow this insurance will cost 6,1 thousand rubles, in Kaliningrad – 3.4 thousand rubles in Crimea – 1,8 thousand rbl., in Vladimir – 4,9 thousand rbl.

13 April in the morning there was a new event – in the state Duma a draft law, mitigating the punishment for lack of driver's insurance policy. For those who have simply forgotten the house policy is proposed to mitigate the punishment to a warning, for those who forgot to purchase insurance – the penalty to 500 roubles. We will remind that today, the amount of the fine for such violation is 800 rubles.

However, according to experts, this bill is unlikely to receive approval, because, if the driver commits an accident without having the insurance policy, it thereby violates the right of the victim entitled to compensation. To receive such compensation in a civil manner is much more difficult than with the insurance company.