According to OSAGO: formula, calculation method, coefficients

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

The legislation of the Russian Federation obliges all drivers to purchase an OSAGO policy. Therefore, those who drive their car all year round have to regularly lay out a round sum. In Russia, there are tariff limits for the policy, but not all companies follow them and often charge unrealistic prices for their services. You can find out how OSAGO insurance is calculated, and what is a decreasing and increasing coefficient, in this article.

What is OSAGO

OSAGO is considered the same mandatory document for driving as the driver's license itself. Without this policy, you will not be able to register a new car, and driving on the road without OSAGO threatens with a fine and significant material costs. After all, OSAGO is a policy of compulsory liability insurance, i.e. in the event of an accident due to your fault, the cost of repairs is compensated by the insurance company, not you. The obligatory presence of OSAGO is regulated by the Federal Law No. 40. According to it, in the absence of a driverpolicy, the traffic police officer has the right to fine him. What does OSAGO provide in case of an accident?

• Payment to victims in case of your fault. This applies not only to material damage, but to physical and moral damage.
• If your car is smashed, you can legally receive compensation even if the culprit does not have the funds. In this case, payments will come from the insurance company.
• In the event that both drivers are recognized as the cause of the accident, and the blame is shared between them, then they will be compensated for half the damage.

The maximum amount of compensation for causing grievous damage to property or he alth of a participant in an accident is 400 thousand rubles. But how do insurers consider OSAGO? After all, it is far from always possible to get the amount of money necessary to restore a damaged car. When calculating the cost of OSAGO, terms such as the bonus-malus coefficient, power, experience, etc. are used. It is important to know them in order to determine in advance how much you will have to pay.

Should I take out a policy?

Although the OSAGO policy is mandatory, many drivers still prefer not to issue it, saving several thousand rubles on the cost. Is OSAGO really necessary? On the one hand, the fine for a missing policy is only 250-500 rubles, so it seems to some that this is really more profitable. Especially when you consider that for new drivers, insurance can be very expensive. However, if you look at the accident statistics, it becomes clear thatan accident can happen to anyone. Even if you are an experienced driver with a long history, no one will insure you against a novice who can make a careless maneuver. And if this newcomer does not have an OSAGO policy, then most likely you will have to restore the car yourself. Of course, there is also CASCO, which insures the car, regardless of the reason for the damage. But the cost of voluntary insurance is much higher - on average, the CASCO price is from 4 to 12% of the cost of the car per year, which not every driver can afford. The main advantage in favor of purchasing OSAGO still remains that the several thousand rubles spent on the policy will ultimately cost you much less than participation in lawsuits and subsequent compensation for damage to another driver.

According to OSAGO

When calculating OSAGO, a number of increasing and decreasing coefficients are used, which affect the final cost of the service. How do insurers consider OSAGO? The price of the policy is added up by multiplying all the coefficients:

• The base rate set by the state.
• Coefficient of the region.
• Bonus-malus coefficient. This is an individual figure and depends on your driving history.
• FAC depends on age and driving experience. The more driving experience, the higher the reduction factor.
• CS determines the seasonality of car use. Generally for people who use the car only in summer, it is lower,than for those who ride it all year round.
• The open policy coefficient increases the cost of OSAGO if several drivers are included in it.
• Machine power factor.
• The rate of violations, which depends on the number of fines issued to you.

Bonus-malus coefficient

Each driver who uses the services of an insurance company has a certain "class". At the moment, there are 15 classes that can both increase and decrease the cost of insurance. How to calculate KMB OSAGO? To calculate, you need to know only two factors: driving experience and the number of insurance payments that were made earlier. For example, for a novice driver who has just got behind the wheel, the KMB will be equal to 2.45. If the policy holder has 5 years of experience and has not participated in any accident, then the coefficient will drop to 0.9. Thus, the more carefully you drive, the more profitable it is for you to buy an OSAGO policy. However, if you suspend the OSAGO policy for 1 year or more, then all coefficients will be reset to zero. If you do not know how KBM OSAGO is considered, then you can check its size on the website of the Russian Union of Motor Insurers.

Basic fare

One of the most basic coefficients for calculating the cost of a policy is the base coefficient. It directly affects how OSAGO is considered. It does not depend on external factors and is determined by the Legislation of the Russian Federation. Changes in the base rate were recorded in 2014 and 2017. After the latest price adjustments, the base rate forpassenger cars is 3432 rubles. This is the minimum amount that you will have to pay regardless of the power of your car, the length of service and the number of accidents. For truck drivers, the rate is slightly higher - about 4 thousand rubles. Compared to previous years, the base coefficient has almost doubled, but there is a reason for this. After all, the payment corridor has also increased, so insurance companies need to set such a price so as not to work at a loss. The increase in the cost of insurance policies in 2018 has already been noticed by most motorists.

Experience

The next important criterion for determining the cost of the policy is the coefficient of age-experience or FAC. How to calculate the experience for OSAGO? If the driver has not reached the age of 22, and his experience does not exceed three years, then the PIC is set to the maximum. Accordingly, with each subsequent year, it decreases. The most profitable is the purchase of OSAGO after 10 years of experience. If the policy is open or several drivers are entered into it, then the coefficient can increase significantly in price.

Territorial coefficient

The coefficient for the territory is set in each region separately and regulated at the legislative level. It may depend on the number of registered residents, accidents and other factors. In general, this parameter ranges from 0.6 to 2. The regional centers of Buryatia, Altai, Krasnoyarsk and Primorsky Territories are considered the lowest regions in terms of the territorial coefficient. The highest coefficients are awarded to passenger cars incities such as Murmansk, Nizhny Novgorod, Chelyabinsk, Moscow and Tyumen.

Car power

An important factor in the formation of the cost of OSAGO is the power of the car. Naturally, the more horsepower in the motor, the higher the power factor will be. The more power the car has, the faster it can accelerate, respectively, and the risks increase significantly. For the smallest cars, which have from 50 to 100 horsepower under the hood, the KM is 0.9. If it is from 100 to 150 hp, then the coefficient rises to 1.4. higher, the power factor is 1.6. It turns out that it is much more profitable to purchase low-power cars that not only consume less fuel, but also save on the CMTPL policy.

Other odds

The final cost of the policy is less influenced by other coefficients: the coefficient of the insurance period, the coefficient of violations and the seasonality of the car's operation. For example, if you are going to use the car only for trips out of town in the summer, then you can take out insurance during this period. There is no point in overpaying for the time when you are not going to use your personal vehicle. You can get seasonal insurance for up to three months. If OSAGO is issued for this period, then the seasonality coefficient will be equal to 0.5. If for a longer period, then 1.

The rate of violations depends on the number of traffic rules you have violated. This includes serious violations such asdrunk driving and running a red light, as well as all speeding, hiding from the scene of an accident and other violations that were recorded. In these cases, KH can reach the value of 1, 5.

The insurance period coefficient applies only to non-residents of Russia who use cars on its territory. If a person stays on the territory of the Russian Federation for less than 15 days, then the coefficient will be 0.2. For a stay of more than 10 months, it increases to 1.

Tariffs in 2018

It is not necessary to know how OSAGO insurance is considered. Many insurance companies have a CMTPL calculator service, with which you can find out the cost of the policy in advance. In addition, you can also focus on average rates, which are approximately the same for all insurers.

• The average cost of a policy is 5800 rubles.
• For beginners who have recently got behind the wheel, the price of OSAGO will be 9-10 thousand rubles.
• For experienced drivers, you will have to pay only 3-4 thousand rubles for OSAGO.

On average, auto insurance sales and premiums are falling. Premiums in this area decreased by almost 5%, which indicates the unwillingness of drivers to pay the increased cost of policies. But at the same time, it is worth considering the fact that the amount of damages has also increased, which provides insurance companies' customers with additional protection.

CMTPL payments

Many clients of insurance companies are concerned about how the payments for OSAGO are calculated. Everyone wants to have a guarantee that, having spent a decent amount on an insurance policy, they will not have to pay for the damage caused in an accident on their own. The amount of compensation depends on the following factors:

• The behavior of the culprit of the accident. If he fled the scene of an accident, then there is a high probability that the company will refuse to fulfill its obligations.
• Make and year of the car, its power.
• Region.
• Wear of parts at the time of the accident.

How do they consider the damage under OSAGO? To begin with, an employee of the insurance company assesses the damage caused and determines the amount of compensation. In order for the company to reimburse all costs for you, you need to follow the correct procedure during an accident. If the damage is small, and none of the passengers was injured, then with the consent of the second party, you can issue a "Europrotocol" without calling the traffic police. If the situation is more serious, then you need to wait for the traffic police and file an accident with all the damage. In no case should you leave the scene of the accident, as this threatens with deprivation of rights and a large fine.

Repair cost is made up of the following factors:

• The cost of damaged parts, taking into account their wear and tear;
• Material cost;
• Repair work.

Often, companies try to understate payments and compensate for only a small amount of the actual damage caused. In this case, you can take the following actions:

• Contact an independent appraiser;
• Check the vehicle for hidden damage;
• View in the directoryPCA, whether the prices of spare parts of the machine are correctly taken into account.

In addition, you can refer to the experience of other drivers who have repaired similar damage.

Loss of the commodity value of the machine

When calculating payments under the OSAGO policy, TCB is considered one of the main criteria. What it is? The loss of the commodity value of a car is a decrease in its price after repair work as a result of an accident. As a rule, such cars are on the market much cheaper than similar ones, but not involved in an accident. Victims can demand from the insurance company of the culprit not only to restore the damaged car, but also to compensate for this difference in price. How do you consider the TCB of a car according to OSAGO? The calculation can be carried out by different methods.

The guidance document method is considered the most accurate. The calculation formula is the sum of the total loss of commodity value, the cost of repairing the body frame, removable fragments, painting, as well as replacing individual fragments for the symmetry of the car

If the car is older than 5 years, then the TCB will not be compensated, since the car loses an average of 40% of its original value by this time.

Unfortunately, there are often very serious accidents that do not allow you to restore the car. In this case, the cost of the repair is often equal to or greater than the value of the car, so the company must reimburse the owner. How do you calculate the "total" according to OSAGO? The market value of the car at the time of the accident is determined. As a rule, an expert is involved in this, whocalculates the amount based on the following factors:

• Vehicle age;
• Presence of an accident;
• Brand;
• Initial cost.

Often, insurance companies try to underestimate the cost of a car by any means, so victims often have to turn to third-party appraisers and even start litigation.

Forfeit

CTP pen alty may be recovered from the insurance company if it does not pay the victim the legally required funds within 20 days from the date of the decision. But not all people know about this, so many companies continue to break the law and delay payments. How to calculate the pen alty for OSAGO? The Supreme Court of the Russian Federation clearly defined the amount of the pen alty:

• Violation of the terms of restoration repairs is punishable by a pen alty in the amount of 1% of the insurance payment that was determined.
• If the company does not meet the deadlines for the payment of monetary compensation, then this also implies a pen alty of 1%.