How to restore the KBM for OSAGO for the past years?

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

On the roads of our country every day you can meet a huge number of vehicles. Every driver should know that he must have an insurance policy, which may be needed in various situations, including during a traffic accident. You can issue it in just a few minutes in specialized organizations. If for a certain period of time driving a vehicle the driver does not get into an accident, then his insurance class increases. This provides the motorist with the opportunity to significantly save on insurance.

In some cases, the discount can reach 50 percent of the cost of the policy. Therefore, the loss of KBM on a motor vehicle citizen can be an unpleasant surprise for any driver. However, as practice shows, it is not uncommon for a motorist, when extending the validity of insurance, to find that its cost has not only not decreased, but, on the contrary, has increased significantly. Why do such situations arise and what should motorists do in this case? How to restore KBM according to OSAGO? Rosgosstrakh is an excellent solution. This and much more will be discussed further.

Why is resizing happeningOSAGO discounts?

All information about insurance periods and the driver, on the basis of which the cost of car insurance services is calculated, is entered into a single electronic database. However, as a result of a system failure or human error, an error can be made that will affect the amount of the discount when renewing car insurance. There are a number of other reasons that depend solely on the driver and lead to the zeroing of the KBM. Before figuring out how to restore the CBM under OSAGO, you must first find out what reasons may be behind the change in the bonus-malus coefficient.

Change driver's license or personal data

Most often, the burning of accumulated bonuses is caused by this very reason. When replacing a driver's license, the document number changes, therefore, in order to restore the KBM, it is necessary to make the appropriate changes to the unified register of the PCA. This also applies to changes in personal data. If the driver changed his last name, then when the policy is renewed, his insurance rating is automatically reset to zero.

How to restore the CBM coefficient for OSAGO in this case? To use the insurance points accumulated over many years, you need to contact your insurer. You can do this via the Internet or come directly to the company's office.

The insurer did not transfer driver data to PCA

Everyone can make a mistake because of their negligence, forgetfulness or fatigue. Employees of insurance companies are notexception. In addition, the insurance company may go bankrupt or stop its activities. The information in the unified electronic database is updated every year. If, for any reason, the insurer did not do this, then the driver's insurance period will be reset to zero, and he will lose his discount. How to restore the KBM under OSAGO in this case will be described later.

Invalid insurance contract

If any mistakes were made during the signing of the insurance contract, then obviously incorrect information will be entered into the electronic database. This will lead to the fact that AIS will perceive one driver as a completely different person and, when calculating the cost of OSAGO, will issue the full cost of the policy without taking into account the amount of the accumulated discount.

Multiple person driving license

If two drivers are included in the policy when applying for insurance, then the coefficient with a lower face value is taken into account. How to restore the KBM discount for OSAGO in this case? Alas, nothing can be done here, since everything is clearly spelled out in the legislation and is standard practice.

Changing an insurance policy or interrupting accident-free service

The size of the MSC is affected by the insurance period, which is accrued for a full year of continuous driving, if there were no traffic accidents. If the driver takes a break for more than 12 months, then all his accumulated points, which are taken into account when calculating the BSC, completely burn out. In addition, points are not awarded to the driver when applying for insurancepolicy with a validity period of less than 12 months, as well as when making changes to it.

When MBA is not taken into account?

So, we have considered the main mistakes that can affect the size of the KBM when applying for OSAGO. Next, we will find out how to restore the CBM coefficient for OSAGO. Rosgosstrakh will be an excellent solution. First, consider the main cases in which the discount may not be taken into account. At the same time, up-to-date information about the driver can be entered into a single electronic database, but when applying for a policy, he will have to pay its full cost.

The most common cause of this problem is:

• Interruption of the insurance period or making adjustments to the insurance policy. The discount increases as the driver continuously drives the car without getting into an accident. If the interruption of the insurance period exceeds 12 months, then all accumulated points are automatically reset to zero. This also applies to cases where the insurance was issued for less than a year or any changes were made to the policy. For example, another person was entered who has the right to drive a car. In this case, there is no single way to restore the KBM under OSAGO, since the legislation does not provide for such a possibility.
• Arrangement of insurance, which involves driving an unlimited number of people. In this case, the discount specified in the last insurance contract is taken into account. In addition, it is only valid if the policy is issued for the same car.

To make it clearer, let's give a small example. A citizen bought a new car and, when applying for insurance, wanted to indicate an unlimited number of persons in the policy. In this case, he is not en titled to a discount, and the cost of OSAGO will be full. However, if insurance was issued for an old vehicle, then KBM would be taken into account by the insurer when concluding an OSAGO agreement. How to restore the KBM for the past years in this case? This will be discussed further.

Do I need to restore the KBM?

The procedure for restoring the CBM is quite troublesome, so the driver will have to deal with paperwork and work hard if he wants to return his previous discount.

But it's worth it for several reasons:

• significant savings on car insurance;
• accumulation of accident-free service and insurance points;
• using online services, you can solve the problem in just a few days;
• after the bonus-malus coefficient is restored, the driver will receive a refund of all overpayments on previous policies.

Thus, the facts in favor of the restoration of the MSC are undeniable. However, how to restore KBM OSAGO in VSK?

What documents are required?

To speed up the discount recovery procedure as much as possible, it is recommended to first identify the cause of the problem and prepare the necessary package of documents. The first one will have to be pretty tricky, but as for the second one, you need to make photocopies and scanned copies of the following documents:

• passport of a citizen of the Russian Federation;
• driving license;
• of all the policies you have on hand.

At the same time, it is very important that you have both photocopies and electronic versions of the documents listed above, since you will not only have to personally contact various authorities, but also submit many requests by e-mail. If you have not saved the old policies, then do not despair, because they can be restored. Each insurance company keeps contracts with its customers. You just need to contact the office of the company and request an extract stating that you have no insurance payments. This will take no more than five business days, so you won't have to wait long.

So, now you know the reason for resetting the KBM and have already prepared all the necessary documents. But how to restore the CBM coefficient for OSAGO?

Restoring car insurance discounts

There are three main ways to restore the discount on vehicle insurance services. To do this, you need to contact one of the following organizations:

• Insurance company.
• Central Bank of the Russian Federation.
• Russian Union of Motor Insurers.

Organizations are listed in ascending order of influence, so you should contact your insurer first. If this does not bring any positive results, then you need to use the help of higher authorities. To understand the discount recovery process,let's take a closer look at how to restore the KBM for OSAGO in the PCA through each organization.

Contact the office of the insurance company

According to the current legislation of the Russian Federation, the insurance company is obliged to consider the complaints of all drivers and help in resolving any issues of citizens related to insurance. In this regard, a special section has been implemented on the website of most insurers through which you can submit an online application. When filling out the electronic form, it will be necessary to describe the essence of the problem and attach scanned copies of previous policies.

How to restore KBM under OSAGO if there is no access to the Internet? In this case, you can send an application by registered mail addressed to the director of the company. The letter should also include photocopies of previous policies. Each appeal of citizens is recorded. It is assigned an individual number, and it is also recorded in a special journal. It is worth noting that the application must be written in duplicate, one of which is numbered and stamped, after which you receive it in your hands by registered mail.

I would like to note that the application can also be sent by regular mail, however, insurers are very reluctant to consider the appeals of their clients, and in this way you will not only be able to speed up the process, but you will also be 100 percent sure that your problem will be resolved. The insurer has 10 days to consider the application and recalculate the KBM. In most cases, during this time the problem will be solved. If the appeal was ignored, then you canstart using heavy artillery. How to restore KBM OSAGO on the basis of the PCA through the Central Bank of the Russian Federation, and will be discussed further.

Restoration of OSAGO discount through the Central Bank of the Russian Federation

The Central Bank of the Russian Federation is a very effective tool, with the help of which, in almost 100 percent of cases, drivers manage to get their discount on an insurance policy back. However, it only considers applications for policies that are less than one year old.

How to restore KBM under CMTPL through this organization? The website of the Central Bank has a special section in which complaints related to car insurance are filed. To do this, go to the "Submit a complaint" section, then go to the "Insurance organizations" subsection and indicate the reason for the appeal. After that, you will need to fill out an online form, to which you will need to attach scanned copies of previous policies. After filling in all the required fields and confirming the registration of the complaint, a confirmation will be sent to the e-mail specified in the form.

The Central Bank will submit a request to confirm the information you provided and identify the problem of the insurance company, after which it will deal with your case. The whole procedure takes no more than one month, and you will constantly receive information by e-mail about the progress of the consideration. Now you know how to restore KBM under OSAGO through the Central Bank. If this organization for some reason can not solve anything, which happens extremely rarely, then youyou can always file a complaint with the PCA.

Appeal to RSA

PCA is a self-regulatory organization that has many levers of influence on insurance companies, up to the deprivation of their license. As a rule, it is necessary to contact it in very rare cases, since insurers are afraid of this organization and try to solve all the problems of their clients on their own. How to restore OSAGO KBM through RSA, if such a need nevertheless arose? It is important to understand here that, despite the fact that a single electronic database that stores all information about OSAGO policies is under the jurisdiction of the PCA, nevertheless, this organization is deprived of the right to make any amendments to it. However, it can influence insurers.

The website of the Russian Union of Motor Insurers has a special section that describes in detail the procedure for filing a complaint by a driver, the procedure for its consideration, a list of required documents, a sample application and contacts for communication.