Compulsory motor third party liability insurance for accidents. MTPL Payment Terms

A car is an integral part of our life, because this type of transport has long become for us not a luxury, but a necessity. Some residents of our country go to work in their own car, others - by public transport, or even work as drivers. One thing is for sure, we are all addicted to cars.

Do not forget that accidents in Russia happen quite often, even the most experienced driver who follows all the rules of the road is not safe from traffic accidents. Often there are small accidents, but even with them, car damage can be significant, and repairs cost quite a bit of money. Therefore, there are insurance programs for car owners, two main types can be distinguished:

• CASCO - a voluntary type of car insurance;
• CTP - compulsory motor third party liability insurance.

CTP - the history of the appearance in Russia

MTPL, as a compulsory type of insurance, first appeared in America, at the beginning of the twentieth century. The US government decided to insure cars after the well-known inventor and car designer Henry Ford came up with the conveyor and began mass production of cars that even middle-income people could afford.

In Europe, OSAGO appeared somewhere in the middle of the twentieth century and quickly spread to almost all countries. The only exception was the USSR, where the leadership decided to abandon this type of insurance. In the modern Russian Federation, compulsory insurance appeared after the adoption of the law "on compulsory motor liability insurance" in 2003.

CTP: necessary or not?

Many car owners think that OSAGO guarantees them protection from any unforeseen incident with a car, but this is not so, because when you purchase a policy, only civil liability is insured against other road users. Insurance, and as the people call it, is not to the liking of all drivers, some believe that this is just a way of levying on ordinary citizens.

But those who have at least once encountered the problem of restoring a car after an accident support compulsory insurance. Indeed, there are often cases when the culprit of the accident is not able to either pay for the treatment of the injured, or reimburse the cost of repairing a car. The policy guarantees the victim the payment from the insurance company of the culprit, although not large, but still the amount of money. The main factor is only the presence of a valid insurance with the car owner.

How to behave in an accident?

The first thing to do after an accident is to turn on the alarm and set the alarm sign. It must be installed at a distance of 15 m from the car if the accident occurred in the village, or at a distance of 30 m if the accident occurred outside the city. If there is a turn near, then the sign must be placed behind it so that other participants in the movement can orient themselves in time.

The most important thing to do is to check the condition of all the victims and, if necessary, call an ambulance (tel. 112). Whenever possible, hospital workers should provide first aid to the injured before arrival.

CTP amount

There are two versions of the law on the amount of payment under the insurance policy: the first - until October 1, 2014, the second - from October 1, 2014.

According to the old law, if during an accident an injury was caused to health or life, the amount of insurance under compulsory motor liability insurance will be 160,000 rubles. In case of damage to the property of one victim - 120,000 rubles. In case of damage to property of several victims - 160,000 rubles.

If only your car was damaged during the accident, then the amount will be less, and if people or property of a third party are affected, you will be refunded a large amount. Money is divided among all victims proportionally.

Since October 1, 2014, the maximum CMTPL payment is:

• 400 000 rub. to everyone whose property has been damaged.
• 160 000 rub. to everyone who was physically injured in an accident.

If the amount of compensation does not cover the amount of damage, the victim has the right to demand the remaining amount of money from the culprit of the accident through the court.

Compensation of insurance claims under OSAGO

The main feature of compulsory motor liability insurance is that when an insured event occurs, funds are paid not to the person who issued the policy and paid for it, but directly to the injured party. Accordingly, it is the victims who need to contact the insurance company.

Compensation under compulsory motor third-party liability insurance in case of accident is carried out according to the following schemes:

1. Direct settlement (direct loss compensation).
2. Europrotocol.
3. Standard procedure.

The standard procedure is usually used only in case of major accidents, therefore direct settlement and the Euro protocol are used much more often, but they limit the amount of compensation for damage.

Direct settlement

In the new version of the law, CTP insurance payments are made mainly through direct indemnification in short, the victim is already contacting his insurer, and not the insurance company in which the culprit of the accident bought the policy. To implement a direct settlement, the following conditions must be met:

1. After the accident, people were not injured.
2. Only two cars participated in the accident.
3. At the time of the accident, the policies of both vehicle owners were valid.

It should be noted that the maximum amount of insurance CTP insurance payout can be no more than 50 thousand rubles. It is provided only if only one driver is to blame for the accident. In the event of a contactless accident, no payment is made.

Europrotocol: how to arrange it?

In Russia, the opportunity to fill out the accident itself, while not calling the traffic police, to receive OSAGO payments, appeared only in 2009. In this case, it is necessary to issue a Euro protocol. As for convenience, yes, more than half of the accidents that the traffic police had to go to were minor collisions. When using the euro protocol, both time and money are saved.

Today, you can make an accident yourself:

1. If after the accident people were not injured.
2. Only two cars participated in the accident.
3. At the time of the accident, the policies of both owners of vehicles were valid.
4. The drivers of both vehicles did not drink alcohol.
5. Both parties agree on the cause of the accident.

In order to receive payments for compulsory motor third-party liability insurance in case of accident under the Euro protocol, you need to:

1. Together with the culprit of the accident, fill out the form (front side)
2. Draw up a diagram of the accident itself, in which indicate all the necessary details.

After filling out the protocol, both parties must sign it, and inform the victim the insurance company within two weeks. CTP payments are made only subject to all filling rules. Experienced drivers are also advised to take a photo of the scene, just in case. If the drivers failed to understand, and you call the traffic police, remember that it is forbidden to move vehicles from their seats.

The standard procedure for compulsory motor third-party liability insurance: what and how should be done?

If you are a participant in an accident that cannot be arranged using a simplified system, you need to use the standard procedure. According to it, you need to turn on the emergency lights and set the warning sign. Next, try to find witnesses or videos from the car registrar. Do not forget to call the traffic police. Cars that became participants in the incident must not be moved.

Upon arrival, law enforcement officers will require your rights and other necessary documents.You need not to interfere, sign the protocol and later receive in the department all the necessary documents (certificate No. 748 and the protocol). Most importantly - do not forget to report an accident to your insurance company.

Within 15 days, you must write a statement to the insurance company and provide your vehicle for an independent examination, as a result of which the insurer will decide what kind of insurance will be paid to you. If desired, the car owner can attract an independent expert in order to avoid underestimating the refunded amount. In the event that the amount of OSAGO payment is insufficient to completely repair the car, you can sue the culprit of the accident to recover the rest of the loss.

Compensation Lines

There is a certain procedure for the return of funds to the victim after an accident. The main thing to do is to provide all necessary documents to the insurer in time. According to our legislation, the term of payment for compulsory motor third-party liability insurance is no more than 20 calendar days from the moment of submission of documents to the insurance company and writing of a statement about the insured event.

Further, there are only two options: either the insurer returns the money to you, or refuses to return. If none of the others happened, a penalty will be charged to the insurer, it amounts to 1% of the payment amount for each day of stitching, or 0.05% in case of refusal. Affected, dissatisfied with the amount of payment, can write a statement about this situation to the insurance, the answer will be received within 10 days. If he does not like it, you can figure it out in court.

Reasons for refusal of compulsory motor third party liability insurance

In Russia, there is a law on compulsory motor third-party liability insurance, which regulates both the amount of payment and the reasons for refusing to make it. Today, the causes of failure can be divided into two types:

1. The case is not insurance.

2. Violation of the procedure.

As for the first type, it applies if it is impossible to identify the culprit in an accident, or both participants are guilty, the culprit of the accident has no right to drive the vehicle, the accident occurred due to the malicious intent of the victim, one of the participants disagrees with his guilt and will challenge her in court.

In the second case, they may refuse if the owner has repaired or destroyed the car before being examined by an expert or refuses to provide a vehicle.

Rating of insurance companies providing CTP in 2015

Today in our country there are many different insurance companies. Many of them are very young, but there are also those who have long been on the market, for example - Rosgosstrakh. The company has been making payments under compulsory motor liability insurance for many years. For regular customers there are discounts and loyalty programs. Like any other company, they have many positive and negative reviews about their work, all people are different, some like it, others not.

Today, there are different assessment methods. reliable insurance companies they or not. According to Expert RA, the rating of the most requested companies looks like this:

• Alfa Insurance;
• "Alliance";
• "VSK";
• VTB Insurance;
• Ingosstrakh;
• "MAX";
• "Renaissance Insurance";
• "RESO-Guarantee";
• Rosgosstrakh;
• SOGAZ;
• "Consent";
• UralSib;
• "Energogarant".

It is worth noting that all of the listed companies are already trustworthy, but everyone should choose for himself.

The modern world cannot be imagined without motor transport, and therefore, we cannot avoid accidents. Although many do not agree with the principle of compulsory insurance, it is CTP that allows you to avoid many conflicts and secure all members of the road. Every year, insurance companies are only developing, so the benefits from them will only grow.