Where to complain about the OSAGO insurance company?

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

Judging by the many comments that can be found on the Internet, it becomes clear that not all motorists in Russia know where to complain about the insurance company if their legal rights have been violated. And this happens both on the issues of compulsory and voluntary insurance.

At the same time, people, faced with similar problems, threaten to sue and deal with negligent UK. But do not forget that such a development of events will require not only money, but also time, and, unfortunately, nerves. Therefore, we will consider where to complain about the insurance company without bringing the case to court.

First steps

Sometimes dealing with a situation is very easy. After all, the insurance company consists of employees. And if the illegal actions of any of them led to a violation of the rights of the car owner, then the UK itself is the first instance where to complain aboutinsurance company. Rosgosstrakh, Reso-guarantee or any other insurance company is obliged to give a written response. If you got a refusal or didn’t get a response at all, then you need to complain further. In this case, it is better if you still have a notice of sending a complaint to the insurance company.

CBR

Controls the activities of motor insurers is currently the only state institution that is entrusted with the relevant duties. It also owns the function of issuing licenses to insurance companies. This organization is the Central Bank of the Russian Federation. His responsibilities also include setting OSAGO tariffs and spare parts directories. The Central Bank checks the financial viability of insurance companies. If necessary, he can suspend the license, or revoke it altogether. Moreover, in recent years, the Central Bank has also often appointed interim management to those companies that it considers problematic.

How does it help policyholders?

It turns out that Russian insurers are completely dependent on the Central Bank. Thus, he is the main authority where to complain about the insurance company if necessary.

If you accurately and correctly formulate and send a written claim, you will soon receive a response and see the measures taken against the insurance company. Among the sanctions, the UK can expect a considerable fine.

FAS

The Federal Antimonopoly Service is another agency charged with overseeing insurers and anotherauthority to file a complaint against an insurance company. The FAS often punishes auto insurers if the latter violate the law, including those relating to OSAGO.

Probably most, if not all, car owners are familiar with the imposition of additional car liability services. It is worth flipping through sites about insurance, and you can find solid pen alties imposed on insurers in connection with this. A significant amount will have to be paid by the company that will be caught selling diagnostic cards or imposing life insurance when purchasing an insurance policy.

Of course, usually in the UK they do not agree to pay a fine and try to appeal the decision in court. But in most cases, such cases are obviously losing for them. So you still have to pay. Thus, insurance companies have a powerful incentive to provide high-quality services in the most profitable way, rather than constantly taking risks and being caught in illegal actions.

Thus, another option for complaining about the OSAGO insurance company is the FAS if there are problems when purchasing or prolonging the contract. Moreover, it is this state institution that should be contacted if additional services are imposed on you when applying for a car loan. At the same time, do not forget that here, as, indeed, for other instances, evidence should be found in order to hold the UK accountable.

RSA

The Russian Union of Motor Insurers is a professional association of insurance companies. The main purpose of the creation of this non-profit organization was to control the activities of its members and the implementation of insurance legislation. However, in practice, its activities turned out to be somewhat different. PCA pays compensation for those insurance companies whose licenses have been revoked. This is a very effective help for many car owners. But at the same time, it should be borne in mind that the management of the organization consists of the main persons of the largest insurance companies. Therefore, complaints can be considered by the same companies against which they are filed.

BCC

Another organization, called the All-Russian Union of Insurers, has problems similar to the previous one. Based on the main tasks that are declared by these organizations, it becomes clear where you can complain about the work of the insurance company. At the same time, the question arises of how objectively incoming complaints will be considered.

Of course they will accept them. However, there is every reason to doubt the effectiveness of such measures of influence on insurance companies. Having studied the practice, we can conclude that complaints to state authorities will be much more effective than written appeals to associations of insurance companies.

But do they help?

However, it is impossible not to mention the help that car owners receive from professionalassociations of insurers. And although the main support is informational, even it can be very effective. The site, for example, contains all the laws and other regulations relating to the field of auto insurance. You can also find other useful information here.

You can calculate how much the future compulsory insurance policy will cost. There are also guides on the site where the cost of spare parts is indicated. This will allow you to calculate the most accurate amount of money for all the parts necessary for the restoration work that the car needs after the accident.

But it is obvious that this is not the place to complain about the insurance company for VHI or life insurance if these services are imposed when buying a policy.

Rospotrebnadzor

Can I count on the help of Rospotrebnadzor if there are disputes between the insurer and the insured? Based on the essence of the policy, the car owner is a consumer. That is why the authority has the right to help them. And such facts were when the organization stood up for the rights of car owners.

The Ministry of Finance, in turn, in case of problems with OSAGO or the imposition of additional insurance, has its own recommendations on where to complain about the work of the insurance company. Complaints based on these recommendations should only be submitted to the Central Bank. At the same time, car owners can also apply to Rospotrebnadzor.

If all else fails

Besides, there is another powerful instance. This is the prosecutor's office. Its employees are obliged to respond to violations of the rights and freedoms of car owners. This is the authority where you can complain about the insurance company for CASCO or OSAGO. But only if there is no evidence of the company's guilt, then it is useless to apply there. Evidence can be, for example, the testimony of eyewitnesses of violations. In addition to complaints about CASCO and OSAGO, here you can also complain about the incorrect behavior of the employees of the insurance company, for example, if there was a rude treatment of customers. In this case, offenders can expect a substantial administrative fine.

Conclusion

Thus, it turns out that despite the official recommendation to file complaints against auto insurers only with the Central Bank of the Russian Federation, there are many instances where car owners can complain in case of violation of their rights.

When choosing where to apply, proceed from what kind of violation was recorded against you. It is also desirable that the complaint be supported by evidence. Then the insurance company won't be able to get away.