Updated: 07/29/2019 6800

How to restore KBM - 3 ways. Step-by-step instruction

Hello dear readers! I am with you again, Ilya Kulik, and today I will tell you how to restore the KBM of your motor citizen.

After the two-fold increase in OSAGO tariffs by the bonus-malus coefficient (MBM), drivers began to pay much more attention than before, when insurance was almost a penny. Now the majority of motorists take into account the KBM discount in their budget and, accordingly, make more efforts to increase the insurance class.

However, often, after the next insurance, when replacing rights and in some other cases, the value of the KBM, after rechecking it, turns out to be unreasonably high, which automatically increases the cost of the policy.

This is of no use to you, is it?

With the help of the tips in this publication, you can restore your KBM points and even return the money unfairly overpaid to insurers.

Sometimes, when renewing a motor vehicle citizen, drivers find that the amount of the payment has unreasonably increased, and the discount does not correspond to the accumulated class and KBM: it has not increased to the expected value, has sharply decreased or disappeared altogether.

In this regard, you should know in advance that since July 2014, information on the previous insurance period, for the correct calculation of the KBM and the insurance class of the driver, is taken exclusively from the base common to all insurance companies (IC).

The AIS RSA database (Automated Information System of the Russian Union of Motor Insurers) may contain data inaccuracies of various origins, leading to subsequent incorrect calculations.

But you should keep in mind that most often the driver simply misunderstands the principles of calculating the BMR - which is not a real mistake, but a misunderstanding. That is, if a mistake is suspected, the policyholder should not exclude himself from the circle of alleged reasons. After all, the human factor must always be taken into account, right?

Possible reasons for reducing discounts that are not related to errors

Registration of unlimited OSAGO

You should know that if the previous insurances were ordinary (with a limited list of drivers), then according to the established rules, all previously accumulated insurance points taken into account only if the same vehicle(TS).

That is, when applying for this insurance, the full name of the driver and his vehicle (make / model, VIN code, etc.) must fully match those indicated in previous policies. In this case, you will retain classiness and KBM. Otherwise (for example, when buying a new car), your class will be reset to the standard third (CBM = 1).

Multiple vehicle license

If the driver is included in other OSAGO policies, then his accumulated points may not be taken into account in them in accordance with their values ​​if they are higher than someone else's specified in the same policy.

Different policies, even those belonging to the same driver for different cars, may have different discount points (CBM, classes), depending on what points the entered drivers have.

General rule: in insurance with several drivers allowed to drive, the value of CBM is taken from the driver with the smallest one. Today, with the introduction of a common AIS database, it will not be possible to hide the fact that a driver is included in another insurance (for example, by changing the insurer).

Let me give you an example: Husband and wife each have a car. The husband has a BMR = 0.5 (maximum), while the wife has only 0.95. The wife is included in her husband's insurance policy. Therefore, the cost of the policy for the spouse and his car will be calculated in accordance with the wife's MSC - not 0.5, but 0.95.

Termination of the insurance period and making changes to the policy

As you know, the driving insurance experience is accrued on the basis of the continuity of accident-free driving (for a full 12 months) and a break in it for a period of more than a year leads to the reset of accumulated insurance points.

Insurance points increase by 5% discount annually (assuming accident-free driving), but this increase is not accrued when purchasing insurance for a period of less than 12 months and when making changes to the policy (for example, allowing another driver to drive the vehicle).

Common Causes of Most Errors

Change of driver's license

This is a very common reason that leads to incorrect calculation of points by the insurer. The blame here lies mostly with the driver, because the rights are a personal document, with all the responsibility that comes with it.

Most often, the rights of a woman are changed (when changing their surname), they usually forget to follow the rule: if the driver has changed his rights, he is obliged to notify his insurer about this. Oh those women...

As a result, during the next insurance, the information provided by the new insurer will lead to a discrepancy with the old ones available in the PCA database.

And this will lead not only to an error, but in general to a completely legal beginning of a new insurance history, because according to the AIS RSA, this driver will be considered a different person.

Liquidation of an insurance company

If the insurance company is liquidated (for example, due to bankruptcy, license revocation, etc.) before it has transferred your data to the AIS system, then, naturally, there will be a gap in the insurance period, which can lead to loss of points.

Entering your data into the AIS database must be carried out on a mandatory basis at the end of each insurance year and this is the prerogative of the insurers, and not the PCA, which is only an insurance arbiter.

Of course, anything can happen during the year, including the liquidation of your insurance company, which may negligently treat the termination procedure and not send the available information to the AIS.

Human factor

And these are the real mistakes made by insurance agents. Here, the correct filling of personal identifiers is critical: full name, date of birth, etc. Even one wrong letter or number can lead to incorrect or problematic reading of your data by the AIS system.

If you read incorrectly (this does not happen very often), for example, as a result of a distortion of the name, AIS may mistake you for another person. And in case of a problem, when the system itself detects some kind of incorrectness or mismatch, it marks your directory as erroneous.

In both cases, upon subsequent insurance, the points will be reset to zero, so be careful when providing your data to the agent and control this process.

Recovery of KBM

Preliminary actions

There are several ways to restore KBM. All of them are based on official appeals to various organizations.

But before making these requests, you need to prepare for them first:

• Collect documents;
• Determine who and when made a mistake.

The documents

You need to collect the necessary documents, translate them into electronic scanned copies and print out paper versions - they will be needed as attachments to subsequent electronic and postal requests.

Here is a list of required this case documentation:

• Personal passport - scan and photocopy of the first spread;
• Driver's license - full scan and photocopy;
• Insurance policies - a full scan and a photocopy of all copies that you have.

If you do not have old policies (they are irretrievably lost in paper and digital form), then be patient and contact each of your insurance company for the relevant information on the existing contract.

They do not have the right to refuse you such an IC today and are required to provide a document within 5 days. These certificates will replace the lost policies in the process of restoring the KBM.

Finding an error

You need to try to independently determine by which insurer and at what point a mistake was made (at least approximately) - this will significantly speed up the recovery process.

To do this, write down the data you have: the dates of conclusion of the insurance contract in relation to each of your insurers. Then, on any online service, check-search for KBM.

In the OSAGO policies themselves, KBM is usually not prescribed (sometimes the class and KBM are entered in special marks, but not always), because of this, it must be determined independently for each year, and a check is needed for each month of each insurance period.

But this is not always required - if you previously reconciled the cost of OSAGO using an online calculator every year and you know for sure that everything was fine, then the most recent contract will be the reason for the incorrectness of insurance points.

And if there were no annual checks, then break through all periods, starting with the most recent one. Having found an erroneous discrepancy, do not stop and check further - it may not be the only one.

Attention! When calculating, take into account the change in the pricing for OSAGO in recent years.

Now you can proceed directly to the restoration of KBM. Ready? Then go ahead.

Recovery procedure

The procedure for restoring the KBM today is much easier than before - usually it is enough to apply to one, less often to two organizations. This is due to the strict position in this area of ​​the Central Bank of the Russian Federation, which has many powerful levers of pressure on any insurance companies.

For example, in 2015, Rosgosstrakh was temporarily deprived of a license by the Central Bank of the Russian Federation to issue OSAGO due to non-transparent methods of conducting insurance business and a large number of complaints from the population.

This serious act has become indicative for all other less significant companies, which are now trying not to cheat, but to honestly understand and restore the points due to drivers, because too high a stake is at stake - an insurance business license.

Here is the current optimal sequence of requests to the organization for the restoration of KBM:

1. Contacting an insurance company;
2. Complaint to the Central Bank of the Russian Federation;
3. Complaint to the RSA;
4. Additional features.

Let's look at all this in more detail.

Contacting an insurance company

Of the above list, the most effective is the complaint to the Central Bank, but note that it is in second place. And this is no accident, because now it is assumed that the bulk of the problems in the restoration of the KBM will be solved by the insurers themselves.

Since December 1, 2015, they have been officially charged with considering and solving emerging insurance problems at the request of citizens.

Serious sanctions are provided for ignoring them. So the state took on a long-standing problem, which pleases. Do you agree? Now, to restore the KBM, you can contact your current, or even the chosen future insurance company.

The official website of a decent UK should have a special online form for citizens to apply, including on the issue of restoring the KBM, with the ability to download the necessary documentation in electronic form.

If there is no such form on the website of your UK, then send them an appropriate application by e-mail addressed to CEO companies. This application is drawn up in free form, and as a sample, you can use the form of a similar appeal to the PCA, changing the details of the cap.

Useful advice:

At this stage, in order to generate more enthusiasm among the employees of the insurance company, it will not be superfluous to simultaneously send a regular postal request to the physical address of the insurer, with a notification of delivery and a list of attachments of printouts and documents. Well, in the e-mail it is worth mentioning the duplication of your appeal.

Sample letter to insurance company.

Complaint to the Central Bank of the Russian Federation

If within 30 days there was no decision from the IC to which you applied, then you have every right to use the “heavy artillery” - filing a complaint with the Central Bank of Russia.

However, please note that the Central Bank will consider your complaint under OSAGO policies that expired no more than one year ago, although the very request of this organization to the UK will concern all the contracts it has in your name.

Step-by-step instructions for filing a complaint through the Central Bank website - 4 simple steps

Step 2

On the page that opens, in the "Insurance Organizations" section, click on the link-subsection "Incorrect use of KBM"

Step 3

In the form that opens, click the "No, proceed to filing a complaint" button and enter the pre-prepared data in the appropriate fields: the official name of your insurer, the text of the complaint, the date, the address of the policy purchase, the region. Upload prepared scanned documents.

Step 4

On the second page, enter your information and contact details.

Your complaint will be considered by the Central Bank service within 10 days (quite a tolerable period). During this time, formal requests will be sent to your insurer, which he will not dare to ignore.

You can write a complaint in the usual way. Here .

Complaint to RSA

This feature is presented as optional if for some reason the first two did not work, which rarely happens. It should be understood that this organization, despite the AIS base under its jurisdiction, is not entitled to make changes to it.

But the PCA has a very effective set of leverage on the UK, so it may well force them to fulfill their obligations to insurers.

There is a special page with all the necessary information on the official website of the RSA for citizens' appeals. It contains the mail to which you should send a complaint and download links.

Additional features

Sometimes, in some rare cases, it may happen that all three of the above methods did not work. Anything happens, right?

But if you are still confident that you are right, then, with the availability of collected documents, official refusals, just mail notifications of receipt of appeals and complaints, you have the right to file a lawsuit.

Alternatively, in parallel, complaints can be sent to Rospotrebnadzor, the FAS (Federal Antimonopoly Service) and the Society for the Protection of Consumer Rights - on the official websites of these organizations there are special pages for citizens' appeals.

There is another very interesting opportunity for many: recently, some insurers, in order to lure their clients to themselves, offer drivers free restoration of KBM at a professional level (if it is legal, of course), provided that they buy another OSAGO policy from them.

Such services are offered, for example, by St. Petersburg Osago Spb and some other companies. Sometimes individual insurance brokers do this.

Return of overpaid funds for incorrect CBM

Well, we figured out the return of KBM. But after all, some drivers still have an unpaid debt from insurers in the amount of all misappropriated money for incorrect discounts (or their absence). And such a debt is sometimes very rather big.

Is it possible to claim it from insurers? It turns out you can!

Here's what you need to do for this:

• First you need to restore your KBM.
• If you restored the KBM with the insurer, then you need to additionally ask them to recalculate all payments, determine the amount that they owed you by mistake and offer to reimburse it. If the company is serious and values ​​​​its reputation, then they will not particularly resist and everything will go smoothly.
• But if at the very beginning you had complications with the insurer and had to involve the Central Bank of the Russian Federation, then from there, after processing your complaint, a notification letter should have come to your physical address containing the full recalculation of insurance premiums for the entire time and the final amount to be reimbursed.
• If your insurer KBM restored itself, but refused to pay the debt, then write a complaint to the Central Bank and wait for a notification letter.
• When you have the notification letter in your hands, make a copy of it and write an application for the return of the excess part of the insurance premium in two copies. Here .

Then prepare two packages of documents.

First - you present it to the insurance company:

• Original notification letter of the Central Bank of the Russian Federation;
• Original application for a refund;
• Your bank details.

The second - you leave it to yourself:

• A certified copy of the notification letter of the Central Bank of the Russian Federation;
• A certified copy of the application for a refund.

With both packages, go to the UK, where each document of the last package (your) must be certified by the employee of the insurance company to whom you handed the first package: something like “I accepted the documentation. Position, full name, date and signature.

That's all - your overpaid hard-earned insurer is required by law to return within two weeks to the specified account.

Interestingly, according to the experience of some motorists who applied for a refund, they were the first to make such claims (as they were surprised to announce in the UK). Probably, people, having returned their points, considered this already a good achievement and did not attempt to go further. That's it.

If you want to know additional details about the restoration of KBM, then they are available here in this video:

• When buying another OSAGO policy, if during the past year you have changed the VU, you must make a notification about this with the series / number of the old certificate in the “Special Marks” field.
• To prevent insurance managers from making mistakes, let them rewrite all the information from the documents on their own, and not dictate them. Then check the correctness of the entered data. This is especially true in cases of insurance by freelance agents.
• Keep in mind that since 2011 the insurer has not the right to deprive you of insurance points, even with all the lost certificates, the data of which can be restored upon appropriate requests.

Conclusion

Now you know that there are three main ways to restore KBM and that now insurance companies are more scrupulous about this than before. You also learned that after the recovery procedure, you do not need to be modest and forget about the overpayment amount due to be returned.

Maybe some of you had interesting cases regarding the restoration of KBM OSAGO and you want to talk about them? Then the comments and attention of the readers of my blog are at your service.

That's all for today, dear motorists. Wait for new useful publications, subscribe to their updates for convenience, press the buttons of social networks and carefully drive cars, accumulating maximum discounts on KBM!

More on the topic:

Comments to the article: 64

Ilya

01.11.2016 | 01:26

“All previously accumulated insurance points are taken into account only if the same vehicle (V) is used.”

Wrong. KBM is not tied to the car, it is tied to the driver.

“The husband and wife each have a car. The husband has a BMR = 0.5 (maximum), while the wife has only 0.95. The spouse is included in his wife's insurance and if the insurer finds out about this (and in the presence of AIS this is inevitable), then he can decide to change the spouse's class to the lowest option of the two - 0.95, and this is quite within his right.

Wrong. In this case, only the cost of insurance for the lowest class is calculated, and nothing more. A higher class MSC is not aligned to the lowest.

1. Ilya

   12.12.2016 | 13:23

   Hello Ilya.

   In the first place you indicated, it does not say that the KBM is tied to the car - you were mistaken.

   In the second case, yes, there is an ambiguity that is well explained in this article: "".

   Thank you for your vigilance, the text will be corrected.

   All the best to you, Ilya.

   1. Artem

      14.06.2017 | 20:11

      So you answered that the text will be edited, but six months have passed and it is still the same. And I still don’t understand why the accumulated discounts do not transfer to a new car? Everything used to pass - what has changed recently? Could you point to a rule in the law where it is described?

      1. Igor (Ilya's assistant)

         10.07.2017 | 12:21

         Hello Artem.

         We will answer you in order.

         First question:

         "Wrong. KBM is not tied to the car, it is tied to the driver.”

         In which case is this true? That's right - in the case of registration of the classic OSAGO. And in what case is KBM considered by car? That's right - in the case of registration of unlimited OSAGO. These are two different forms of autocitizenship and some of the rules associated with them differ. What is the subtitle of the text from which you took the "erroneous" fragment? That's right - "Registration of unlimited OSAGO."

         Second question:

         There were indeed inaccuracies in the above example - they have been corrected. Regarding the delay with this: a resource like the Kulikavto blog (this is only nominally an autoblog, but in reality a serious legally oriented site under development) requires a lot of time, so the administrator does not always have time to correct certain particulars. In this regard, the management of the resource attracted additional specialists (including me) to process comments, which is a rarity in itself - on most autosites, problem areas of text, unanswered comments, etc. places requiring attention hang for years. Therefore, treat these things with understanding.

         Third question:

         As I understand it, you have a problem with the loss of discounts on KBM when insuring a new car. KBM is not lost when buying a new car, subject to the conclusion of a classic OSAGO, because in this case the points are calculated by the driver. Loss of points can be caused by the reasons described in the article - switching to an unlimited form of OSAGO, mistakes of insurers (old and new), change of rights, etc.

         All the best to you, Artem.

         Oksana

         13.11.2017 | 14:02

         Good afternoon! Tell me what documents you need to attach in order to return the overpayment (the CBM was restored, a letter from the insurance came) by mail. if you go to the office it takes a whole day, now in Voronezh there is a new feature, in Rosgosstrakh it takes one client for 1.5-2 hours. Thank you in advance.

Olga Ivanova

11.11.2016 | 07:30

Good afternoon! Is it possible to restore the KBM if it was reset by mistake by the insurance company 3 years ago? Now this insurance company does not exist, it was bought by another insurance company. The policy in which the zeroing occurred was naturally not preserved.

Ilya

11.11.2016 | 13:38

nikolay

01.12.2016 | 21:25

under an unlimited policy (10 years) cbm 1 is that correct?

Natalia

12.12.2016 | 08:55

"This is especially true in cases of insurance by freelance agents." Mistakes are most often made by managers (employees), not agents. Because an agent is, as a rule, an experienced person, or a former employee of the UK, who began to work for himself. And a manager (specialist) is (mostly) a person who is just starting to work in the insurance industry. In my experience, this usually happens: first the manager, then the head of the department, then the deputy, then the director, and then my agency (or better, a broker).

Maksim

03.01.2017 | 21:10

Good evening. In recent years, I have made the OSAGO policy unlimited in the MSK insurance company and I had 0.55 cbm, but I came to Rosgosstrakh I don’t have cbm. How to be?

Alla Mikhailovna

26.01.2017 | 16:27

Good afternoon, Ilya! During the transition from RESO to VSK (due to the lack of forms), there was a gap of 7 days between policies, due to which, according to the explanation of the VSK manager, preferential KBM was lost. RESO has not entered anything into the database. But I have all the old policies from 2005 with both insurance companies. With a complaint and attaching scans and copies of documents, should I contact the current UK (VSK) or require RESO to enter the data into the database? Or directly to the Central Bank? Thanks in advance for your reply.

Catherine

13.02.2017 | 20:36

Hello. Ilya, I have such a question, the expiration date insurance policy I was in Reso from April 22, 2014 to April 21, 2015. The KMB was 0.70 . Coming to insurance agent she did not find me in the database (there was no policy with her), although as it turns out now she was. Due to family circumstances, I had to leave immediately. Since the policy was only Rosgosstrakh had to be insured there, the validity of the policy from 03/30/2015 to 03/29/2016 Is KMB lost in this case. If not, how can I get it back? Now SK MAKS from 03/30/2016 to 03/29/2017. Thanks in advance.

Catherine

14.02.2017 | 07:34

Was, because the validity of the contract from 04/22/2014 to 04/21/2015. (He is still in my hands.) It’s just that at the time of contacting the agent on March 30, 2015, he wasn’t with me and I didn’t remember the end date of the contract. She did not find me in the RSA database. It turns out that the insurance was issued 21 days earlier, only in another UK.

Leonid

16.02.2017 | 09:28

Hello Ilya! Thanks to you, I restored my cbm. SC office from our village 200 km.

To return the overpaid money, I do not have the opportunity to travel. Can I do it

via mail or the Internet and how? And further. From 2015 to 2016 - the policy of Rosgosstrakh. From 2016 to 2017 - Guard. Now Reso. Who will return?

Sergey

17.03.2017 | 17:25

Good day! In 07-08 There was a class 5. In 08. bought a new car and another IC applied class 3. I missed it (man factor). How now to restore the cbm in the presence of all policies from 03g. The current SC could not - the answer is that there is no data in the AIS RSA.?

Anatoly

18.03.2017 | 11:53

Hello Ilya! I lost my KBM in 2014 (there is a muddy story) there was no accident through my fault. there is no accident either). Question: Have I kept the KBM? And another question: Was there a provision or decree on the suspension of OSAGO in 2012, 2014 or 2015 and for what period?

Galina

22.03.2017 | 01:22

You write that from the Central Bank, where I applied to restore the KBM, there should have been a letter with a full calculation of the debt for insurance overpayments for past years and with the amount of the overpayment, but they only calculated the insurance for this year. Over the past 10 years, I have been incorrectly charged KBM, and now I would like to return the money. Thank you.

Andrew

24.03.2017 | 01:59

Hello, in 2015, the UK reset the KBM for me (Then I didn’t understand what it was). Now, despite the fact that, for more than 7 years I have been driving without accidents, my KBM is 0.95. And the cost of insurance bites. The insurance company that reset this "MAKS" has been insured in the Strazh insurance company for two years now. Is it possible to restore the CBM?

Irina

05.04.2017 | 12:10

I restored the cbm from 1 to 0.6 and the class from 3 to 11. Now I bought a new policy from Sun, how to return the money for the last year from another insurance company? do I need to submit a list of documents??

Andrew

18.04.2017 | 17:53

Hello!!! Help to understand the issue. In November 2013, there was an accident, before it the KBM was 0.6, after the accident on the site, the next policy is set to me 0.85. As I understand it, because of the accident. From April 2014 to April 2015 I was insured by Rosgorstrakh. This policy is not on the PCA website, or rather it is, but it cannot be found on dkbm-web.autoins.ru/dkbm-web-1.0/kbm.htm. When insuring in April 2015, they put me KBM 1. The company MSC puts it. As I understand it, as a year without insuring a car. How can you restore your KBM?

Alexander

04.05.2017 | 11:05

Hello Ilya. I read your articles regarding the restoration of KBM. I have been insured in Rosgostrakh for many years, the driving experience is 27 years, the last car is 9 years old, I issue insurance annually, there have never been any insurance payments. At the extreme pole, KBM is 0.95. I made a request to the RSA for KBM; there is information only on the last pole. The insurer Rosgostrakh does not enter information into the PCA and I did not save the old poles. Didn't think it would be needed. How to be now? How to force the insurer to enter information about the poles for previous years and set the correct KBM?

Oleg

05.05.2017 | 20:33

Good evening! On the PCA website, I saw that the cbm was reset to zero in 2013, when I insured a car, namely 04/20/2013 cbm = 1, before that the insurance contract was from 07/28/2011 to 07/27/2012 and cbm = 0.85 (there was a break from 27.07 .2012 until 20.04.2013 but less than a year).Insurance service reserve, in which I have been insured since 2008.Last year I bought a new car and had to insure in INGOSSTRAKH, kbm = 0.85. This year, I insured again in the Service Reserve and the cbm was 0.8, and if it didn’t reset to zero in 2013, it should have been 0.55. =0.8, but if you put the date earlier than this, then cbm = 0.55! Can I return cbm = 0.55?

George

24.06.2017 | 19:48

Hello! Is it possible to restore the KBM with a certificate from the traffic police? insured something like this 2007-2010 Ingosstrakh (no poles). 2015-2017 consent. I didn't drive from 2010 to 2015. Ingosstrakh does not issue KBM certificates. rights since 1999.

Sergei

Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

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The most significant coefficient that allows you to get a discount of up to 50% is the bonus-malus coefficient, which is assigned to each driver.

Reasons for canceling the discount

Many drivers, when applying for a motor citizen, are faced with the problem of resetting the KBM.

Assignment to the driver of the third class with a single value of the coefficient can occur for the following reasons:

1. the driver independently made an incorrect calculation of the parameter. To calculate the value of the coefficient, you need to know:
   • how many years a person has been using vehicles;
   • how many accidents due to the fault of the driver occurred in each insurance period.

   When obtaining rights for the first time, the driver is assigned the third class. Further, the calculation is carried out according to the following scheme using a special table, which reflects all the values ​​of the parameter:

   

   For example, within 1 year of using the vehicle, the driver did not become the culprit of a traffic accident. For the next insurance period, he will be able to receive a discount on the policy in the amount of 5%, since the value of CBM will decrease from 1 to 0.95, and so on for each year of auto insurance;

2. The driver was included in several insurance policies as a person allowed to drive. In one of the documents, the insurer canceled the discount for some reason.
   
3. Database error. When issuing each compulsory motor insurance policy, an employee of the insurance company is obliged to enter all information into single base, developed by the PCA (Union of Motor Insurers of Russia). Some unscrupulous employees deliberately distort the base, for example, instead of the letter O, putting the number 0. In the future, the insurer will not be able to find the desired coefficient value based on the specified parameters.
   

   Deliberate actions to distort information in the database may be regarded by law enforcement agencies as fraud. However, this fact requires a certain evidence base, which is quite problematic.

4. The insurance company did not transfer information about the insurance policy and drivers to a single database. This situation has recently been extremely rare, since all policies are issued using a computer and the Internet, which leads to automatic sending of data.
5. An employee of the insurance company deliberately underestimates (conceals) the amount of the discount, which leads to an increase in the agent's commission for the policy sold.
6. Change of driver's license. Kbm is assigned to a certain person not only by last name, but also by details of a driver's license. If the document is replaced, the discount may be lost.
   
7. During the period of validity of the insurance policy, there was a change of surname, and insurance companies did not enter the relevant data into the database.
8. The insurance company has gone out of business.

Lost or zeroed OSAGO coefficient can be restored. How to do this, read on.

When is recovery required?

You can restore the amount of the discount for accident-free driving in any of the above situations.

The coefficient cannot be restored if:

• in a certain period of time, the autocitizen was issued with an unlimited number of drivers. In this situation, the coefficient is assigned not to a person, but to a vehicle. When switching to another type of autocitizen, the individual parameter is reset to zero;
• the driver was not included in more than one policy for a period of more than 1 year. The accident-free driving discount is calculated annually and is valid for the next 12 months. If the driver's experience is interrupted, then the discount is reset to zero.

Required documents

To restore the value of the bonus-malus coefficient, you will need to collect a package of documents, which includes:

• civil passport of the driver;
• a valid driver's license;
• previous mandatory auto insurance policies (if any).

Documents are collected:

• in a scanned form, if the application for the restoration of the coefficient will be sent via the Internet;
• in the form of copies, if the application is planned to be sent by registered mail.

If there are no previous insurance policies, then you can:

• apply in person or via the Internet to the insurance company with which the contract was concluded in order to obtain information on;

The insurance organization has no right to refuse this request. Certificates on compulsory auto insurance contracts are provided within 5 days from the date of application. When contacting the insurer, it is also necessary to provide a passport and a driver's license

• find out the moment of loss of the coefficient through the PCA website.

To verify the coefficient value, it is necessary to enter in the provided form information about the driver (full name, date of birth, details of the driver's license) and the date on which you want to find out the coefficient (for correct verification, it is recommended to enter the date following the expiration date of the previous insurance contract).

If checking the last insurance contract did not help to find out the error, then you need to change the search date to a year earlier, that is, check the parameters of the previous one.

It is recommended to save the results obtained from each test in order to provide them later as an evidence base.

How to write an application for the restoration of KBM under OSAGO

After finding out the moment of loss of the discount for accident-free driving, it is necessary to submit a written application for the restoration of the parameter.

The application must indicate:

• the name of the organization to which the document is submitted;
• Full name, registration address and contact phone number of the person submitting the application;
• request for changes to the database;
• series and number of the current insurance policy;
• grounds for making changes (certificate from the insurance company, previous insurance contract, and so on);
• a list of documents that is evidence of the facts indicated in the document;
• Applicant's signature and filing date.
  

  

  Where to apply

  An application for the restoration of KBM is first of all submitted to the insurance company, with which an agreement is currently concluded for.

  From December 1, 2015, only employees of insurance organizations can change the value of a parameter in the database. Previously, the actions in question were carried out directly by the association of motor insurers.

  You can apply to an insurance company:

  • personally at the nearest office of the insurer. On the second copy of the document, the representative of the insurance company is obliged to put a mark on the acceptance of the document for consideration (number of the incoming document, date, signature, seal);
  • by registered mail through Russian Post. A registered letter must be sent with an attached inventory, as copies of personal documents and a receipt are sent. The notification will help the sender to know on what day the letter was received by the insurer;
  • through a special form on the official website of the insurance organization.

  For example, VSK insurance company offers the following application form:

  

  Terms of consideration

  The insurer has the right to consider the received application within 30 days. After this time, the applicant must receive a response in writing.

  The letter can be sent by mail to the driver's registration address or to an email box.

  If, after the expiration of the specified period, no response is received from the insurance company, the driver has the right to:

  • file a complaint against the insurance company with the PCA;
  • file a complaint with the Central Bank.

  One of the functions of these organizations is to control the activities of insurance companies for compulsory motor insurance.

  To file a complaint with the RSA, you must:

  • send a letter containing the application and attached documents to the address 115093, Moscow, st. Lyusinovskaya, 27 building 3;
  • send documents and an application to an email box ( [email protected]).

  In the application for changing the bonus-malus coefficient, you must specify:

  • Name, address and contact numbers of the applicant;
  • name of the insurance company;
  • details of the application for changing the CBM, which was sent to the insurer;
  • date of birth of the applicant;
  • the series and number of the applicant's driver's license;
  • details of the applicant's civil passport;
  • details of the current and previous (if any) compulsory auto insurance policies.

  

  You can also file a complaint with the Central Bank via the Internet. For this you need:

  • go to the official website of the organization (cbr ru);
  • on the left side in the column, select "Information on OSAGO";

    

    
    

    

    
    

    

  • fill out the proposed form in which to indicate: the name of the insurance company, the date of application, the region of residence. In the text of the message, describe the problem in detail, indicating the details of the documents, including the application for the restoration of the discount sent to the insurer;
  • in a special window, upload scanned copies of all documents. If a complaint is sent without supporting it with relevant documents, it will not be considered.

  

  The given procedure in 99% of cases helps to restore the value of the bonus-malus coefficient, even if the insurance organization is inactive.

  If the listed actions did not help to achieve justice, then it remains only to go to court with the appropriate statement of claim.

  Every Russian car owner is aware of the current OSAGO system. It is prohibited to drive a vehicle without concluding a motor third party liability insurance contract. Every motorist using personal transport has to resort to the procedure.

  Given the level of income of our citizens, it is natural that any driver wants to purchase a policy as cheaply as possible. It is possible to reduce the amount of the contribution by submitting an application for the restoration of the MSC.

  For greater transparency, you should first deal with the insurance classification of drivers. In all developed countries there are special systems for calculating the amount of contributions. This takes into account the length of the driver, experience. The longer a person drives, the more careful his driving, the cheaper insurance costs him.

  The logic of this approach is obvious: a motorist with many years of experience is much less likely to have an accident than a novice who has just received a license.

  In our country, there is a similar system based on the division of drivers into classes:

  • a novice driver with no experience, according to the OSAGO system in force for 2018, belongs to the lowest class “M”;
  • other drivers, based on their driving time, as well as the presence of accidents, are indicated by numbers: from 0 to 13.

  This can be better illustrated with a table:

  

  The principle of assigning a class is quite simple. Those who drive without accidents pay less and less for the policy every time. It is KBM that determines its price.

  The name of the bonus-malus coefficient (CBM) is translated from Latin as "good-bad". The indicator has existed for about fifteen years, although at the time of its introduction there was no unified information network in which the OSAGO agreements concluded by a person were tracked. Starting from 2014, each insurer is obliged to upload information about the procedure to the system within 24 hours after the conclusion of the contract with the driver.

  CBM is a coefficient that directly affects the price of the policy. Each motorist is strictly individual. The indicator can be, for example, decreasing or increasing.

  The value is calculated by an automated program. For each year of driving without an accident, a person is given a discount of 5%. That is, for a driver of the second class, the KBM will be 0.95, the third - 0.9, etc. As can be seen from the table above, motorists of the thirteenth class have the maximum discount: its value will be 50% (KBM - 0.5).

  If you get into an accident, the driver's class is reduced. At the same time, the price of the insurance policy increases. The rise in price, in contrast to the price reduction, does not occur the next year, but immediately after applying for monetary compensation.

  The insurance itself can have two variations:

  1. Limited OSAGO is a form in which the data of a limited number of drivers are entered into the contract. KBM is calculated by the driver with the lowest class. If last year a contract was drawn up without specifying specific drivers, and there were no insured events for the expired period, the company uses a lowering KBM (if the vehicle is owned by the driver in the contract).
  2. Unlimited OSAGO - an option in which there is no restriction on the permit to drive. The class number is assigned to the owner of the car specified in the contract: it is calculated according to the last concluded OSAGO contract.

  KBM can be calculated for the driver, owner. Initial MBM is the value at the time the policy is obtained, and Estimated MBM is the indicator used to determine the final premium amount.

  Insurance organizations, as a rule, argue that the zeroing of the coefficient was made legally.

  In practice, there may be several situations when the driver loses his discount:

  1. The OSAGO benefit is valid for one year only. If there is a break in insurance, that is, the owner did not use the transport, and decided to purchase a new policy only after the expiration of a year, the KBM becomes invalid.
  2. If the driver has purchased a new policy by changing the OSAGO policy from limited to unlimited, the coefficient is also reduced.
  3. If the owner of the car changes within one year, the discount does not increase: it only requires a full calendar year of accident-free driving.

  Grounds for nulling may not be legal. This happens when the company did not transfer information about the insured person to the database. The discount expires after one year. Sometimes there is an unloading of unreliable information entered with an error. Personal data about the driver may be incorrectly entered into the PCA.

  It is better for each driver to check the data himself, using a computer.

  Previously, some unscrupulous organizations, in order to make more money, hid information and did not take into account the KBM. In addition, there were cases of sales of fictitious OSAGO policies. Now the probability of such reasons for losing the bonus is extremely low.

  Regulatory regulations

  The main norm is the Federal Law of April 25, 2002 No. 40-FZ “On compulsory insurance civil liability of vehicle owners. The document defines the rights of drivers and insurance companies, regulates the procedure for paying compensation. It is he who fixed the CBM indicator - a value that affects the price that you have to pay for the policy.

  In addition, the procedure is regulated by Chapter 48 of the Civil Code of the Russian Federation (“Insurance”). Articles 927-970 of the document are applied mainly in the event of civil law disputes resolved by the judiciary. The third norm is the Law of the Russian Federation of November 27, 1992 No. 4015-1 “On the organization of insurance business in Russian Federation". It regulates the relationship of persons providing insurance services, the control of their activities.

  When is renewal required?

  It is advisable to restore the right to a discount in the following situations:

  • if a person became a participant in an accident in which he was initially found guilty, but the traffic police decision was canceled on a complaint by a court decision as unreasonable;
  • when an employee of the company ignored the KBM when calculating for an unknown reason: this also happens, due to inattention or in a hurry;
  • if the driver was frankly deceived when issuing the policy: some unscrupulous companies “sin” with this;
  • when checking on the PCA website, the index does not “break through”, that is, the driver’s data is entered incorrectly (most often a typo occurs in the date of birth or last name);
  • if a change of rights was made, a change of surname, an error may also occur.

  In all of the above cases, it is possible to restore justice by legal means.

  The recovery procedure is quite simple, you need to prepare an application, to which you attach:

  • driver's license (original and copy);
  • Russian passport;
  • previous policy;
  • an official certificate from the insurer stating that the person did not have insured events and was not paid compensation for them;
  • certificate from the traffic police about the absence of accidents;

  It is very important to keep the insurance document that has lost its validity, since it is it that contains information about the KBM of the previous period!

  After analyzing the circumstances that caused the loss of the legal discount, you need to prepare a written application in two copies for its return.

  The document states:

  • the name of the company (organization) to which the appeal is addressed;
  • Surname, name, patronymic, date of birth, telephone number of the applicant;
  • the nature of the request to correct the database;
  • series, number of the current policy;
  • the grounds that served as the reason for the appeal (data indicated in the certificates of the traffic police and the insurer);
  • a list of attached documents proving the validity of the application;

  

  After filling out the documents, they are submitted directly to the company that issued the insurance with an error.

  Consideration period

  For consideration of the submitted application, paragraph 1 of Art. 16.1 of the law "On Compulsory Insurance of Civil Liability of Vehicle Owners" 10 calendar days are allotted from the date of receipt. Non-working days and holidays are excluded from the period.

  During this time, the company must make one of the following decisions:

  • meet the requirements stated in the application;
  • send a reasoned refusal to the applicant.

  When the time is up, you need to check your KBM on the RSA website. If the coefficient has not changed, you should call the insurer.

  Typically, companies fix bugs without too much trouble. Insurers that have been on the market for many years (Alfastrakhovanie, Reso, Ingosstrakh, Uralsib, Ingosstrakh, Rosgosstrakh, VSK, etc.) value their reputation and value their customers, so adjustments are made immediately.

  Then, on the form provided by the insurer, an application is written for the return of the overpaid part of the contribution, which indicates the number of the savings book or account statement, for transferring money to a bank card.

  If the insurer nevertheless ignored the legal requirements of the car owner who applied to him, an application to the PCA for the restoration of the OSAGO KBM can be sent electronically. You need to find the official website of the Russian Union of Motor Insurers. In the "Contact the RSA" section, an email address is provided ( [email protected]), where you need to send all the collected documents, having previously scanned them.

  

  This network resource also contains telephone hotlines where the driver can call and ask all his questions about the cost of the OSAGO policy.

  By the way, the above application form to the RSA for the restoration of the KBM can be downloaded in Word format directly on the site.

  Another option is to write and file a civil lawsuit in court. An application for the return of KBM under OSAGO a sample appeal can be found at the stand of this organization. The document is sent to the name of the chairman of the district court at the place of residence. If the claims are satisfied, the court, in addition to reimbursement of the excess payment, collects a fine from the unscrupulous company, which is half the difference between the amount of the payment determined by the judge and the bonus paid by the person.

  How to reduce the OSAGO KBM?

  To avoid maximum size awards can be made if the following recommendations are taken into account:

  1. If possible, persons who are less than 22 years of age or who have less than three years of experience should not be included in the list of licensed drivers. This condition alone can help reduce the cost of the policy by 60%.
  2. If there was a driver on the list with a history of an accident, it would be wise to also remove him from the list or purchase an unlimited policy.
  3. Many drivers living in the regional center register a car for rural relatives. The measure also helps to save money, since increasing values ​​​​of the coefficients are applied to the inhabitants of megacities.
  4. There are drivers who do not drive in the winter. Then you can buy a policy only for 6-7 months.
  5. Sometimes insurers have discounts for new users. Some organizations, on the contrary, provide bonuses to regular customers.

  Right, in our time, as you know, is the one who managed to foresee everything in time. Given the difficult financial situation of Russian citizens, resorting to additional savings measures will not be superfluous.

  Checking the KBM on the RSA database

  To carry out the check, the driver will need a computer with Internet access, a driver's license and a valid insurance policy. Then, online using the link https://kbm-rsa.info, you need to go to the search form and follow the instructions.

  The result will be issued after entering all personal information and data on documents. The top line contains the value of the coefficient currently in effect. Information about the previous policy and the value of the KBM value of the previous period is indicated below.

  It is essential to stand up for your rights. If a person, having checked his indicator on the basis of auto insurance, saw an error, measures should be taken to eliminate it. The sample application for the restoration of KBM is simple, the list of documents is small. Justice must be restored so that careful, accident-free driving brings bonuses to a conscientious driver who respects the laws and observes the Rules of the Road.

  Lawyer, specialist in automotive law

  Written articles and responses

  Currently, there are a huge number of accidents involving vehicles on the roads of our country. In order to somehow protect yourself in an accident, the driver needs to take out an insurance policy.

  Every year more and more motorists are wondering how to restore the OSAGO discount. This is due to the fact that when extending a motor vehicle citizen, the cost of the policy is calculated without taking into account the discount. This is a rather unpleasant situation, especially if the driver has a long continuous accident-free record and the discount reaches 50 percent.

  Burning out accumulated bonuses may seem like a hopeless situation, however, there are several ways in which you can restore KBM ( bonus-malus coefficient). This article will tell about this and much more.

  Why can BMF be calculated incorrectly?

  Before talking about how to restore the OSAGO discount (Rosgosstrakh offers it to its customers), you first need to understand the main reasons due to which it may be calculated incorrectly. This will greatly simplify the process of restoring the discount and save a lot of time.

  All information about the insurance period and previous policies is stored in a single electronic database AIS, which is under the jurisdiction of the PCA. When making changes to the database and updating data about a particular driver, various errors can be made that will cause an incorrectly calculated car insurance discount.

  In addition, there are a number of other reasons for a decrease in KBM, among which the most common are:

  1. or information about an individual.
  2. The insurer did not transfer information about the driver to the PCA.
  3. Mistakes made by the insurance agent when filling out the policy.
  4. Change of the insurance program.
  5. Interruption of accident-free experience.
  6. Permission to control the machine for several drivers.

  Regardless of the reason for the loss of insurance points, each driver can return the OSAGO overpayment and restore the discount in one of several ways, which will be discussed a little later, but for now, each reason should be considered in more detail.

  Replacement of driver's license or personal data

  One of the frequently asked questions for many drivers is: “How to restore the OSAGO discount after changing the rights?” And this is not surprising, because every motorist changed his driver's license at least once in his life. Each document is assigned an individual number, which must be entered into a single electronic database. If this is not done, then the insurance history is reset to zero, and you will not receive any discount when applying for a policy. The same applies to name changes.

  The insurer did not submit the necessary information about the client to the PCA

  

  Employees are the same people as you and I, therefore, due to their negligence, inattention or other human factors, they may not transfer data about the insured to the AIS. A similar situation may arise in the liquidation of an insurance company. How to restore the OSAGO discount (Rosgosstrakh offers its customers such an opportunity) will be discussed a little later.

  Incorrectly completed insurance policy

  Even the slightest mistake made when filling out the insurance contract can lead to the return of the CBM to the base value. This is due to the fact that if incorrect data is entered into the policy, then they will also fall into the AIS, as a result of which the driver will be perceived as a completely different person.

  Allowing multiple people to drive

  A similar situation applies mainly to corporate transport, which is used by several employees of the company. In this case, when issuing an OSAGO policy, the smallest amount of KBM will be taken into account.

  Changing the insurance program or interrupting the accident-free period

  If the driver has not been in a traffic accident for one full year, then he is awarded insurance points that provide a discount when renewing the policy. If the insurance program has been changed or the driver has not driven a car for more than one year, then all accumulated points are burned out and the KBM is reset. How to restore discounts on in this case? Unfortunately not.

  Is it worth restoring insurance points?

  

  The amount of the discount depends on many factors, among which the main ones are the accident-free period of driving and the number of accidents involving the driver. If the owner of the car regularly gets into an accident, then when applying for an insurance policy, he is charged a coefficient of 2.45. It follows from this that he will have to pay for the insurance of his vehicle almost 2.5 times more than the average driver.

  If a motorist observes the speed limit and traffic rules, and also does not get into an accident, then over time he can accumulate insurance points that will allow him to receive an almost 50 percent discount on insurance services.

  Thus, the question of how to restore the OSAGO discount in Rosgosstrakh is very relevant today, since KBM allows you to significantly save on motor insurance. In addition, if the insurer incorrectly calculated the coefficient for previous policies, then the driver will receive compensation when the points are restored.

  Basic methods of KBM recovery

  So, you contacted the insurance company to renew the policy and found that it has risen in price. What to do in this case, and how to restore the OSAGO discount? VSK offers its clients assistance, other insurance companies do the same. The first step is to calm down, because there is nothing wrong with that.

  You can return the previous discount by:

  • submitting an application to the UK;
  • appeals to the Central Bank of the Russian Federation;
  • compiling

  Each of the methods has certain nuances, so it is necessary to dwell on each of them in more detail.

  through the insurer

  Many drivers are interested in the question: “How to restore the OSAGO discount after replacing the rights?” The easiest and fastest way is to contact your insurer. The current legislation obliges insurance companies to consider all complaints and appeals of customers related to OSAGO.

  In this regard, most UK websites even have a special section where you can file a complaint online. You will need to attach scanned copies of the previous policy or a certificate certifying that the client has no insured events, issued by the insurer, to the form. If there is no access to the Internet, then you can write a statement in writing and send it by registered mail to the physical address of the company. The application must be submitted in two copies, and photocopies of the above documents are attached to it.

  

  The secretary will have to register the appeal in a special journal, and on one of the applications put down the registration number and seal, and then send it by mail to the client. According to the legislation of the Russian Federation, the insurance company has 10 days during which it must establish the problem of combustion of CBM and solve this problem. And how to restore the OSAGO discount if a year has passed, you ask? Unfortunately, this case does not provide for the possibility of restoring the KBM.

  What to do if the insurance company has been liquidated?

  If the insurer with whom you issued the insurance policy no longer operates, then you can restore the KBM through the Central Bank of the Russian Federation or the PCA. You will learn more about the procedure for applying and submitting documents to these authorities below.

  Applying to the Central Bank

  How to restore the OSAGO discount through the Central Bank of the Russian Federation? It is very simple, however, it is necessary to take into account the fact that this instance considers only those appeals of citizens that are filed under OSAGO, which ended no more than one year ago.

  To restore the KBM, you need to go to the Internet reception of the Central Bank and fill out the online form, entering all the necessary information and indicating “Incorrect calculation of the KBM” as the reason. It will also be necessary to attach a scanned copy of the previous policy or a certificate confirming the absence of insurance payments to the form. This method is very convenient, because the driver will receive notifications about the status of his application by e-mail. The time for the Central Bank to make a decision can take up to 30 days, during which representatives of the authority will check the relevance of the information provided by the driver, establish the cause of the problem and make a final decision.

  Now you know how to restore the OSAGO discount. Alfa insurance and the Central Bank of the Russian Federation help to solve this problem on the same principle. If suddenly, for some reason, contacting these authorities does not bring any results, then you should file a complaint with the PCA, which is the most powerful tool in solving this problem.

  Contacting the RSA

  

  PCA is one of the most influential organizations in the world of auto insurance. It can not only exert significant pressure on the insurance companies, but also deprive them of their licenses, which is something every insurer is afraid of. Therefore, when mentioning only the name of this instance, any insurer will strive by all means to solve the client's problem. It should be noted that the PCA does not have the right to make any changes to the unified electronic database, since this is the responsibility of insurance companies.

  So, how to restore OSAGO discounts in PCA? On the official Internet resource of this instance, detailed instructions are provided on the procedure for restoring the discount on the OSAGO policy. There you can also find the relevant application form and contact information for consultation.

  Recovery of KBM through an insurance broker

  This method of restoring insurance points is not the most successful, but it cannot be completely ruled out. Motorists prefer to avoid these companies as they charge a commission for their services. Nevertheless, they work very quickly and will be able to help you restore the OSAGO discount in 1 day. The only exception will be the case if you have previously been in a traffic accident, the culprit of which was yourself.

  Turning to will be justified if you do not have time to study on your own restoration of KBM on autocitizen, and the accumulated points provide a really big discount. Otherwise, you will pay for the services of the company much more than you save on insurance.

  KBM recovery via the Internet

  

  Nowadays, various issues can be resolved via the Internet, so many motorists are interested in the question of how to restore the OSAGO discount without leaving their own home.

  On the World Wide Web, you can find many online services, among which there are both paid and free ones, which allow you to quickly and easily restore KBM. All that is required of you is to fill out a special form and attach scanned copies of the necessary documents to it. However, you should be very careful in choosing, since a lot of cybercriminals have divorced in recent years.

  What documents may be needed to restore the KBM?

  In order to regain your legal discount on insurance, earned for many years of accident-free driving, you must submit certain documents. The most important of them are last year's insurance policies. If for some reason you cannot find them, then in this case you will need to contact the insurer and ask him to provide a certificate certifying the absence of insured events.

  In some cases, the insurer may ask you for a certificate from the traffic police about the absence of offenses, so in order for the recovery process to go as quickly as possible, it is worth getting it in advance. However, there is one small nuance here. The thing is that the traffic police is not obliged to provide such certificates, so it all depends on the loyalty of the defender of law and order.

  It would not be superfluous to take screenshots from the PCA website, as well as photocopies of the technical passport for the vehicle, driver's license and certificate of inspection. Having copies of all of these documents can greatly speed up and simplify the application process.

  Conclusion

  

  So, now you know how to restore the OSAGO discount. In this article, all the methods for solving car insurance problems that exist today have been considered. As practice shows, in most cases everything ends with contacting the insurance company. Indeed, despite the fact that insurers are very reluctant to accept applications from their clients, nevertheless, no one wants to pay a large fine or lose a license. However, if suddenly, for some reason, the UK could not solve the problem of incorrect calculation of the coefficient, then you can always contact higher authorities.

  The current legislation carefully regulates the procedure and rules for motor third party liability insurance ().

  Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

  APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

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  In particular, the legislation also establishes the base cost of acquiring such an insurance policy.

  In addition, certain coefficients are provided, which make it possible to obtain certain discounts.

  In particular, vehicle owners can receive certain discounts for accident-free driving.

  This means that the owner of the vehicle can issue an OSAGO policy at a lower price if he was not responsible for the accident in the previous year. And every year the size of the discount will increase.

  But in practice, there are cases when the insurance company does not take into account the coefficient of accident-free driving (CBM) and charges the client a higher fee.

  In such a situation, the client may file a complaint and request the teaching of the MSC in the implementation.

  Reasons for making claims

  As mentioned above, in practice there are cases when, for whatever reason, the insurance company requires the client to pay a higher cost of the OSAGO policy.

  A similar situation may arise in cases where the insurance company does not take into account the CBM coefficient at all.

  In such a situation, the client is required to pay the base cost of the OSAGO policy in the event that he can receive a certain discount.

  The second common case in practice is a defect. In this case, the insurance company, when calculating the cost of the OSAGO policy, takes into account the CBM coefficient, but not in full.

  For example, a customer may receive a 10% discount, but the insurance company gives him only a 5% discount. This is also the basis for writing a corresponding complaint.

  The client can check the correctness of the calculation of the cost of the OSAGO policy on his own and if an error is found, he can write a corresponding application to the insurance company and demand a refund of part of the amount paid, unless, of course, he has concluded an appropriate insurance contract.

  How to write

  How can you write a relevant application? First of all, you need to know that the client can contact both the insurance company and the Russian Union of Motor Insurers (RSA).

  Of course, if errors and shortcomings are found, it is advisable to first write a corresponding application to the insurance company.

  Only after receiving a written refusal from the insurance company, you can safely contact the PCA.

  The complaint, which is made directly to the insurance company, can be drawn up in any form.

  Of course, some insurance companies have developed complaint forms for citizens, but a citizen can independently compose the text of the complaint.

  But in the text of the complaint it is necessary to indicate the following information:

  • applicant's data (full name, passport details and address);
  • vehicle details;
  • date of application to the insurance company;
  • date of conclusion and number of the insurance policy (unless, of course, the client decided to use the services of this insurance company);
  • calculation of the cost of the OSAGO policy according to the client;
  • the amount of the amount to be returned (unless, of course, the client has concluded an appropriate agreement with the insurance company);
  • reference to the relevant regulations and rules (this item can be filled in at the request of the client).

  If the complaint is sent to the PCA, then it is necessary to use the complaint form established by them, which is described below.

  A complaint sent directly to the insurance company must be sent by registered mail with acknowledgment of receipt. It can also be handed over directly at the office of the insurance company.

  In this case, it is necessary to draw up 2 copies of the application, on one of which the employee of the insurance company makes an appropriate entry, which confirms the fact and time of receipt of the complaint.

  Very often, customers make a complaint to Rosgosstrakh OSAGO kbm, a sample of which can be found on the Internet. This is due to the fact that it is this company that most often violates the rights of the client.

  Sample complaint to KBM for OSAGO

  As mentioned above, if a complaint is submitted to the RS, then the citizen must use the established form. This form can be downloaded from the company's website.

  At the same time, the form can be filled out not only with a pen: you can download it, enter the text of the complaint on the form, print it and sign it. Both options for completing the application are acceptable.

  The text of the complaint contains the following information:

  • applicant's data (full name, passport details, address, contact phone number);
  • the name of the insurance company;
  • the number of the case that was opened in this company;
  • insurance claim number;
  • the essence of the problem;
  • consent to the use and development of personal data.

  In the “core of the problem” section, it is necessary to carefully describe the problem, making reference to the relevant rules and acts. It is also necessary to indicate the date of birth of the driver, as well as the number of the driver's license.

  This is done so that in the future, when considering a complaint, the PCA can obtain information on the size of the MSC.

  Below is an example of a complaint against the CMTP under OSAGO, which is presented to the PCA.

  

  Where to write

  As mentioned above, you must first send a written complaint directly to the insurance company. The procedure for sending a written complaint is indicated above.

  But a complaint can also be filed at the branch of the insurance company: as a rule, many insurance companies have developed complaint forms.

  As a rule, the applicant receives a response from the insurance company within 5-10 days from the date of filing the complaint.

  If the received answer does not satisfy the applicant, then he can apply to the PCA. At the same time, citizens can file a complaint not only in writing, but also in electronic form. According to OSAGO online, complaints about the cbm are made through the RSA website. Both options are acceptable.

  In addition, citizens can independently apply to the RSA. To do this, you must first clarify the days and hours during which they can apply to the PCA to file a complaint about the misuse of KBM.

  For example, in Moscow, citizens can apply on Tuesday and Thursday, respectively, from 15:00 to 18:00 and from 9:00 to 12:00. In each city, you need to specify the hours for reception.

  You can also write a complaint to the Central Bank of the Russian Federation.

  If the steps taken are unsuccessful, then in this case the citizen can file a claim in court.

  Of course, this is the most complicated procedure, since the trial may take several months, but in general, the courts decide in favor of the citizens, unless, of course, the plaintiff's claims are justified.

  When drawing up a statement of claim, it is necessary to pay special attention to the relevant legal acts that regulate this area of ​​legal relations, since the statement of claim must comply with certain procedural requirements.

  If the statement of claim was drawn up in accordance with all legislative requirements, then the court will accept it for consideration and schedule a court session. As a rule, a decision in such cases is made after several court sessions.

  If the decision of the court does not satisfy the owner of the vehicle, then he can appeal against it. To do this, you need to draw up a complaint and present it to a higher court. Of course, in this case, the procedure will be delayed.

  If the owner of the vehicle finds himself in a similar situation, then it is advisable to seek help from a qualified and experienced specialist who can protect his rights and legitimate interests.

  In particular, a qualified lawyer will draw up a legally competent claim, provide legal representation, and, if necessary, appeal the court's decision to a higher court.

  What documents to apply

  Of course, the submitted complaint is the basis for starting the corresponding procedure, but in addition to the complaint, it is also necessary to present a certain package of documents.

  In particular, the following documents must be submitted:

  • applicant's passport;
  • driver's license.

  This is only the minimum package of documents that are necessary to consider the complaint. But apart from these documents, others may be required.

  For example, if instead of the applicant, the KBM was calculated incorrectly for another driver, then in this case it is also necessary to present a copy of the passport and driver's license of this citizen.

  If the owner of the vehicle paid for and purchased the OSAGO policy and only after that discovered an error in calculating its cost, then in this case it is also necessary to present a copy of the insurance policy.

  This is the main list of documents required for filing a complaint with the RSA. If at least one of the documents is not presented, the complaint will not be considered. Accordingly, it is necessary to pay special attention to the attached documents.

  If the applicant decides to draw up a statement of claim, then in addition to the above documents, additional papers must also be presented.

  Additional papers include written responses from the insurance company and the PCA, which did not suit the applicant, as well as a copy of the statement of claim.

  Registration

  The submitted complaint goes through a certain registration procedure. If it was presented by mail, then it is sent first to the department that is responsible for the document flow.

  After that, the complaint is sent to the appropriate department, which is responsible for writing responses to citizens' appeals.

  If the complaint was filed by the applicant directly to the RSA, then the relevant officer checks the complaint and the documents attached to it.

  If everything was drawn up correctly, then a corresponding entry is made on the second copy of the application, which confirms the acceptance of the citizen's complaint.

  The claim must also be registered. Essentially the procedure is the same. In this case, the relevant branch of the court accepts the submitted statement of claim and the documents attached to it, draws up the corresponding case with an individual number and sends it to the judge.

  If the statement of claim was drawn up in accordance with all legislative requirements, then in this case the court accepts the statement of claim for consideration.