The Russian Union of Auto Insurers (RCA) together with the Bank Russia and the Ministry of Justice of the Russian Federation are discussing the possibility of regulatory consolidation of the responsibility of the OSAGO insurer, its powers to carry out an examination of the quality of car repairs when organizing in-kind payments under the “auto citizen” policy, said Evgeny Ufimtsev, president of the All-Russian Union of Insurers, head of the RAMI, at a press conference on OSAGO on Wednesday .
“Issues related to quality control of car repairs should be included in the methodology for restoring repairs in OSAGO, proposals are being developed together with the Central Bank and the Ministry of Justice of the Russian Federation. It has not yet been determined whether the procedure for examining the quality of car repairs performed should be described in detail within the framework of the unified methodology itself or in other standards,” said Ufimtsev.
“The fact is that different automakers have different requirements for each car model, and it would probably be wrong to describe all of them in a single methodology. There should be reference standards. How to link all the requirements into one methodology is a big problem,” he added. .
At the same time, OSAGO insurers are interested in expanding the practice of in-kind payments in OSAGO, Ufimtsev emphasized. This is currently hampered by the strict deadlines for car repairs established by the OSAGO law, as well as the legislative ban on the use of used spare parts during OSAGO repairs. In the practice of voluntary car hull, such strict restrictions on repair procedures have not been established.
“The problem is that the 30-day period established by law for car repairs under the OSAGO policy simply limits the number of stations that would undertake repairs. Our the proposal is to increase the legal period for car repairs to 60 days. A similar period is currently proposed to be set, for example, for the repair of smartphones. I don’t think that car repairs are easier to execute,” Ufimtsev said.
In the Russian Federation, the average age of a car is 12 years, the head of the RSA cited the data. “It is extremely difficult to find original and even non-original spare parts for older cars. In the Far East, 3 million right-hand drive cars, for example, are repaired exclusively with used spare parts, there are no others. Thus, it is currently possible to repair cars under OSAGO policies no older than 7 10 years, and only those for the repair of which it is possible to find spare parts very quickly,” Ufimtsev explained.
He recalled: “If the insurance company has chosen the wrong service station when making payments in kind to OSAGO, did not fit into the 30 days allotted for repairs, insurance companies pay large fines for such violations. These cases are few, but they do exist.”
< p>As shown by a survey of auto insurers, conducted earlier by Interfax, almost 98% of payments in OSAGO today are organized in cash, which means, following the law on OSAGO, taking into account the wear and tear of the vehicle. Depreciation can be 50%, subtracting half the payment from the calculation. The proposal to switch to payments without taking into account depreciation is one of the currently discussed by the expert community.
One more question – to increase the limits of payments in OSAGO, including in connection with a sharp rise in the cost of vehicles – is also being discussed, said the head of the RSA. “Limits on property payments within the limits of 400 thousand rubles in OSAGO and 500 thousand rubles for damage to life and health are becoming irrelevant, they need to be raised. But this is already a matter for discussion next year,” he believes.
< p> While the main task for OSAGO insurers in 2023 is the launch of a full-cycle electronic settlement system in OSAGO, this will happen from mid-2023 (from July 15), changes to the law on OSAGO on this topic have already been adopted, Ufimtsev emphasized.
Now in the Russian Federation, only electronic fixation of losses under the OSAGO policy is possible remotely, “a fully electronic process of settling losses in OSAGO will create indisputable advantages for Russian car owners,” the head of the PCA is convinced.