RESTORATION OF KBM FOR OSAGO
When making a CTP, many drivers are faced with the problem of the absence of MSC, without which it is impossible to reduce the total cost of the insurance policy. However, such a procedure as the restoration of KMB for OSAGO, allows the driver to get certain benefits. PECULIARITIES AND CAUSES OF LOSSES Such indicator as KMB, or “Bonus-Malus Ratio”, is a way to reward drivers who do not admit an accident in the form of discounts to the cost of CTP insurance. If for a novice driver, KBM is equal to 1 or even more, then for a motorist with ten years of trouble-free driving, it is 0.5. Those. for OSAGO such a driver pays 2 times less. In some cases, car owners do not have the opportunity to confirm the right to receive a discount, as representatives of the insurance company cannot find information about their MSC. There are several possible reasons why this information is lost: loss of information or the admission of errors when adding a driver to the policy by his relatives; when replacing a driver’s license, including changing the name, the information of the KBM is reset, thus, the owner of the rights is erroneously equated to a novice; intentional concealment of information about the driver’s KBM by an insurance company specialist; accidental error of the insurance company, which may not convey all the information about the owner of the car. Also, some insurance companies do not specifically report accident data. For example, according to this example, ROSGOSTRAKH operates, which does not use the bonus-malus factor when calculating the CTP policy. And when you move from this insurance company to another, you will have KBM = 1, even if you traveled for several years without an accident. Each driver can check their own ratio, but first it is necessary to understand some of the features that affect changes in this indicator. Thus, the reduction of the MSC, primarily contributes to the participation of the driver in an accident. But besides this, the discount disappears if the owner of the rights does not renew his CTP insurance policy in a timely manner. There will be no bonus even if the driver has been using the car for less than 1 year, since for each year a discount of 5% is charged. The maximum discount is 50%. But the maximum ratio (more than 3 accidents due to your fault) is 2.45. Any citizen can check the status of the KBM on the RSA website (http://www.autoins.ru) by submitting basic documents (passport and rights) and filling out the proposed form. When the required documents are submitted and the application is completed correctly, the holder of a driver’s license can learn the indicator of interest in the shortest time possible. RESTORATION RULES If the data on the PCA website is different from the information possessed by the insurance company, this problem can be corrected. So, recovery of KBM for OSAGO will come to the rescue. There are several ways to do this: 1. Submit a special letter to the PCA, in which you need to report your complaint regarding inaccuracy in KMB indicators. The statement also, in addition to the text of the complaint, you must specify the exact data of the applicant and attach a copy of the driver’s license. If the driver has any documentary evidence of his own right, they must also be provided in the application. Checking and restoring drivers’ rights through the PCA database will not be urgent: sometimes all procedures take up to several months, while the driver actually does not receive any guarantee of a positive outcome. PCA offers users a free hotline on which you can pre-clarify the issue of interest. In parallel with this question, you can also contact the Central Bank of Russia, for which there is a special online reception on a specialized website. 2. Refer to the help of other Internet services. Such resources can be both paid and free. The main advantage of such sites is the speed of their work: as the representatives of the services that provide paid services to return the statutory OSAGO discount, they are assured, they are guaranteed to perform this task in the shortest time. Restoration of KMB for OSAGO with the help of specialized Internet resources is quite possible, but, as experts say, it is worthwhile to contact only online sites that are proven and well-known in this field. It is worth noting that all normal insurance companies with a good reputation enroll “bonus-malus coefficient” and provide discounts. Beware of unscrupulous companies. After all, it is much easier to contact a normal office than to prove one’s innocence and restore MSC after unscrupulous insurers.