RSA compensation payments: application procedure, sample application

The MTPL policy provides motorists with comprehensive protection. The cost of the policy is set at the state level and consists of various coefficients, including engine power, region of registration and year of manufacture of the car. The only indicator that helps reduce the price of a policy is the bonus-malus coefficient. KBM was created to reward careful drivers and punish reckless drivers. However, in some cases, when a new contract is drawn up, the BMC is reset to zero. Therefore, motorists have to submit an application to the RSA to restore the KBM.

How to contact RSA

Since 2015, motorists have been offered the opportunity to restore the erroneously calculated bonus-malus coefficient in a simplified mode. This procedure can be completed through the RSA website. In general, the mechanism for restoring the CBM through the union of auto insurers includes the following steps:

Going through a simple registration procedure on the website of the insurer or RSA.
Drawing up an electronic application in the user’s personal account.
Attaching all necessary documents to the document, for example, a scanned copy of an insurance policy or an identity card.
Submit your request electronically and await a review by the MSC. As a rule, the coefficient change is carried out within 20-30 days from the date of submission of the electronic request to the RSA.

Note! It is possible to submit an official request to revise the bonus-malus coefficient at RSA using email. To do this, the interested person should write an application and send it to the address

registration on the site

Only insurance companies can register with the RSA; to do this, they must join a union. Drivers and owners have access to registration in the Personal Accounts of selected insurance companies.

In order for an insurer to become a member of the RSA, he must:

be engaged in issuing voluntary auto insurance policies for at least two years;
provide documents confirming the legality of their activities on the territory of the Russian Federation;
provide reports and statistics on indicators for two years;
prove that the company operates in all constituent entities of the Russian Federation;
pay the fee.

In each specific case, RSA makes a decision individually; the company undergoes a check on the legality of its activities, turnover of funds, accounting of income, payment of taxes, etc. The union's decision is made at a meeting of its board, and the information is received by the insurance company within 5 subsequent days. After which the resources of the RSA website become available to her.

Individuals register through their insurance companies and on their websites:

They provide documents for the car, drivers and owner.
Provide contact details and registration addresses.
Buy an MTPL policy or any other type of car insurance.
After this, the information is automatically transferred to the RSA database.

Only insurers and the Central Bank have access to the database. Changes are made to it according to the occurrence of insured events. If the insurance company made a mistake and provided false information to the RSA, then such changes are made with the permission and by order of the Central Bank as a response to an official complaint.

In what cases is renewal of the CBM required?

There are several most common reasons for resetting the bonus-malus indicator to zero. So, you will have to fill out an application for recalculation of the KBM in the following circumstances:

Several drivers are allowed to drive one vehicle. Insurance company employees often do not take into account the individual Malus KBM bonus of each driver and assign the car a 3rd class.
The occurrence of an insured event is not the fault of the motorist.
Replacement of driving license. Often, insurance employees simply forget to indicate the details of new rights when drawing up compulsory motor liability insurance.
Registration of an unlimited policy. In this case, a KBM is installed that belongs to the owner of the car, and not the driver.
Closure of an insurance company due to any reason. If an organization is liquidated, its employees simply will not enter data into the database at the end of the year. Therefore, when drawing up a new policy, RSA will not be able to find up-to-date information and will assign a BMR equal to 1.
An insurance company employee made a mistake. No person is immune from mistakes, so when drawing up a policy, insurance workers often enter false information into the database. As a rule, inaccuracies are allowed in the driver’s full name, date of birth or driver’s license details.

Note! The cost of the insurance policy is reduced only after one year. If the driver was enrolled in OSAGO in the middle of the year, then when applying for the next policy, the discount will not be provided.

What package of documents will you need to collect?

Correction of an erroneous KBM is carried out only upon receipt of a complete package of documents specified by the current rules of insurance companies. In most cases, to revise the coefficient it is enough to provide:

passport or other identity document;
certificates of change of surname, passport;
certificate of marriage or termination of official relations;
driver's license;
old insurance policies reflecting the minimum level of BMR;
extracts from the traffic police database confirming long-term driving without accidents;
a certificate from the insurance organization about the number of insured events and the number of payments.

Note! Depending on the circumstances, insurance employees have the right to request additional documents.

Errors: incorrect KBM OSAGO

Car owners often encounter unpleasant problems when purchasing an MTPL policy: due to the fact that the wrong BMR (bonus-malus coefficient) is indicated in the RSA database. It is for this reason that insurance is considered without taking into account the accident-free discount. As a result, the car owner is forced to pay for the mistakes of insurance companies out of his own pocket.

The main causes of errors in the values of KBM OSAGO are:

Errors on the part of insurance company employees - entering incorrect BMR values into the database;
Technical problems that arose when transferring data from the insurance company to the AIS RSA;
Errors on the side of the automated information system RSA

Check KBM through the official AIS RSA database online

How to correctly draw up an application to the insurance company for the restoration of KBM: sample

The effectiveness of filing an application for verification and revision of the MSC directly depends on the correct completion of the application. The law does not establish a specific form for the application, so it should be written in free form. The main rule when filling out an application is the need for a complete and accurate reflection of the facts.

In most cases, drivers who discover an error in the KBM coefficient when checking a new policy indicate the following information in the application:

name of the authority to which the document is submitted;
applicant's full name;
postal address and zip code;
mobile and home phone number;
Title of the document;
request to RSA;
the applicant's date of birth;
driver's license details;
details of the current MTPL insurance policy;
details and validity period of the previous insurance policy;
a detailed description of the essence of the appeal, transmission of information about the erroneous calculation of the coefficient;
names and details of driver’s licenses authorized to drive a vehicle;
date of application and signature of the interested person.

Important! When drawing up an application, it would be a good idea to indicate the bank account number to which the overpayment for the current insurance policy will be paid in the future.

A valid sample of a completed application for restoration of the KBM can be viewed in the image below:

Review period

The legislation establishes certain deadlines for checking data and subsequent consideration of a request to restore the bonus-malus coefficient. Thus, applicants who contact the insurance company have the opportunity to receive a response within 10 days. Drivers who have used the services of the Central Bank of the Russian Federation and the RSA must wait up to 30 days for their application to be reviewed.

Important! There are a considerable number of intermediary companies that carry out the restoration of KBM in the shortest possible time. For a monetary reward, such organizations will make changes to the database in just a few days.

Compensation payments

During an accident on the road, injuries and death of passengers, drivers, and pedestrians are possible. In order to protect the rights of all road users, Federal Law No. 40 “On Compulsory Civil Liability Insurance” was signed. In other words, drivers are required to obtain compulsory motor liability insurance in order to drive on public roads. However, the second part of this law implies that the auto insurers union pays compensation to victims in addition to the insurance payments of the insurance companies. More detailed information can be found on the RSA website https://autoins.ru/ru/compensation/.

This is done if the victims cannot receive compensation under the MTPL policy:

In the event of bankruptcy of the at-fault insurance company or revocation of its license.
When it is not known who was at fault in the incident.
When the driver whose actions led to the accident does not have compulsory motor insurance.

Such payments are made as compensation for harm to health or life. If damage has been caused to property and it is necessary to compensate for it, then RSA provides compensation in the following cases:

if the insurance company has become bankrupt;
if the insurance company has lost its license to operate.

In all these cases, the following may be reimbursed:

earnings lost due to an accident;
expenses for treatment, medications, special food during treatment of the victim, prosthetics, etc.;
expenses incurred by the victim as a result of his injury - for example, if he was forced to change jobs;
the cost of repairs or the entire property if repairs are not possible.

However, the amount that RSA pays to victims depends on the incident itself and can vary greatly from case to case. Also, it depends on when exactly the person responsible for the accident entered into the MTPL agreement.

Receiving payment occurs as follows:

The victim contacts the RSA directly or an authorized insurance company.
Gives the statement to employees.
Presents and provides documents - passport, license, STS, ownership of the car, evidence of expenses incurred and damage caused, court orders, etc. (for example, evidence that the insurance company at fault is really bankrupt).
Indicates the account to which the payment should go.
Waiting for the application to be reviewed - no longer than 30 days.
Receives payment or refusal.

If the period for consideration of an application for compensation is exceeded, you can immediately contact the courts regarding a violation of the rules for considering applications.

Application to RSA for restoration of KBM

There are two ways to contact RSA:

send a paper letter to the address: Moscow, Lyusinovskaya 27, building 3;
send an email and the necessary documents to e-mail: [email protected]

A written complaint to the RSA must contain the following information:

Full name, residential address and telephone number of the applicant;
name of the responsible insurance company;
details of the application for restoration of the KBM, which was sent to the insurer earlier;
date of birth of the person concerned;
driver's license details;
series and number of the applicant’s passport;
numbers of current and previous insurance contracts.

How to fill out an application for payment correctly

The application for compensation payment is standardized and is filled out using one template. A printed form will be issued at the office upon application.

It is necessary to enter basic details, full name of the applicant, name of the insurance company. The main part describes the circumstances of the incident, indicating the date, exact address, information about the car and other features.

A sample application for compensation payment can be found on our website.

Application form for compensation payment

How to contact the Central Bank with a complaint

It is possible to file an online complaint against the actions of an insurance company through the official website of the Central Bank of the Russian Federation. To restore the bonus-malus coefficient using this mechanism, it is enough to complete the following steps:

Go to the official website of the Central Bank cbr.ru.
From the left panel, select the Information about OSAGO category.
Click on the Submit a Complaint item.
From the proposed list of requests, select the category Incorrect application of the KBM.
Study the information provided and confirm the need to file a complaint by clicking on the appropriate button.
Fill in all text fields. In the electronic form you need to enter the name of the insurance organization, the text of the complaint, the applicant’s region, details of the current MTPL agreement, the date of registration and expiration of the insurance policy, etc.
Agree with the procedure for receiving requests by checking the appropriate boxes.
Enter the code from the image and click on the Next button.
Upload scanned copies of all necessary documents.
Confirm sending the complaint to the Central Bank of the Russian Federation.

Note! If all required documents are not attached to the email, the request will be left without consideration.

Where to submit

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

From December 1, 2015, only employees of insurance organizations can change the value of a parameter in the database. Previously, the actions under consideration were carried out directly by the union of auto insurers.

You can submit an application to an insurance company:

in person at the nearest insurer's office. On the second copy of the document, the representative of the insurance company must put a mark indicating acceptance of the document for consideration (number of the incoming document, date, signature, seal);
by registered mail via Russian Post. Used car? 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 find out on what day the letter was received by the insurer;
through a special form on the official website of the insurance organization.

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

Required documents

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

driver's civil passport;
a valid driver's license;
previous compulsory car insurance policies (if any).

Documents are collected:

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

If you do not have previous insurance policies, you can:

contact the insurance company with which the contract was concluded in person or via the Internet in order to obtain a certificate regarding the MTPL insurance contract;

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

find out the moment of loss of the coefficient through the RSA website.

To check the value of the coefficient, you must enter information about the driver (full name, date of birth, driver’s license details) and the date for which you want to know the coefficient in the form provided (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 clarify the error, then you need to change the search date to a year earlier, that is, check the parameters of the previous MTPL insurance contract.

It is recommended to save the results obtained from each inspection in order to subsequently provide them as evidence.

What you need to know

In order to effectively renew the KBM in Reso Guarantee and restore this value to the due values, you should understand the legislative issue, as well as what documents are required for this procedure.

In addition, it is also important to prepare theoretically for the application procedure, and in addition, you should definitely understand what can help if no one pays attention to the complaint.

After all, there are special organizations that can help clients defend their rights and restore their value to the KBM.

In what cases is renewal required?

Restoring the KBM indicator may be required in all of the above cases, except those associated with accidents.

The issue of changing the BML can be resolved in situations such as changing a driver’s license, mistakes made by insurance specialists, or liquidation of a previous company.

There is also the option of confusion that has arisen when you are in several insurance policies; contacting either an insurance company or an organization that provides assistance in insurance and also supervises the work of such companies can also help correct this situation.

It is in such situations that the KBM indicator will be able to be corrected and brought to the level that was originally provided for by Ingosstrakh.

Of course, documentation will be required to prove that the coefficient was in fact chosen incorrectly, and it can be changed to one that actually exists.

Only if all the evidence is provided is there an option that the driver’s class will be restored and he will be able to enjoy the discount provided by law.

What package of documents will you need to collect?

In order to restore the KBM, you will need to not only fill out an application form for the restoration of the KBM, but also provide a certain list of documents from which you can draw a conclusion about the driver’s insurance and accident history.

Among these papers:

driver's license;
passport of a citizen of the Russian Federation;
MTPL policies for previous years;
copies of driver's licenses of all drivers included in the policy;
a certificate from the insurance company confirming the absence of payments;
a document from the traffic police about accident-free behavior for a certain period.

It is these documents that can help to correctly demand the return of the previous KBM and prove that a person has grounds for this.

In this case, you must initially submit copies or scanned documents, and restoration is available both by personally submitting a completed application and documents, and through Internet sites.

How to correctly draw up an application to the insurance company for the restoration of KBM (sample)

An application for restoration of the KBM is often drawn up in free form, since insurance companies provide for free interpretations of such documents.

You must clearly indicate in the header the addressee to whom the appeal is sent, as well as the organization that acts as the submitter’s insurer.

In the body of the application, the situation is written, the series and number of the MTPL policy under which the claim is being filed is indicated, as well as the amount of insurance and the class that was accepted in the calculation.

Next, you should indicate how many years the driver has been driving without an accident, and what class, according to his ideas, he expects.

How to lower the KBM in the RSA database for free, see the article: how to reduce the KBM of OSAGO. Read about calculating the KBM using the RSA database here.

In addition, a request is indicated for the recalculation of the CBM and, accordingly, the return of overpaid funds, as well as the need for changes in the compulsory motor liability insurance policy according to the data presented.

A separate request is made to send a response to a specific address, and a list of attachments is submitted, which should help in establishing the truth.

In order to correctly make an application for the return of KBM under compulsory motor liability insurance, a sample application will definitely be required.

Review period

The client's appeal to the Sogaz insurance company must be considered within 30 days; this is the deadline allotted to organizations by law, and after which the person has the right to appeal to higher organizations.

No one has the right to exceed it, but care should be taken that the second copy of the application bears stamps and dates confirming the date the application was accepted for work.

Only in this way will a person be able to confirm the delay and go to higher authorities who can change the situation.

Video: why it is important and necessary to correct the KBM

Where to file a complaint if the time for making a decision has expired

If 30 working days have expired and there is no response from the insurance company, then this means that you need to contact more serious organizations, which are the RSA and the Central Bank of the Russian Federation.

In addition, you can try to contact them even if the insurance company has refused to refund, but the specialists have been unable to motivate it. In such a situation, an appeal is drawn up in the prescribed form.

RSA

The Russian Union of Auto Insurers is the organization that can really help restore the CBM if it is not restored due to violations by insurers.

Since this is a large association consisting of insurance companies, they have their own leverage over individual firms.

It should be indicated in the header that the application is being sent to the RSA, and the full name and exact address of the applicant should be indicated to receive a response.

The application itself contains the name of the company and a request to understand its actions. The applicant's date of birth, information about the driver's license, as well as the passport of the citizen of the Russian Federation are entered.

In addition, the number of the current and previous MTPL policy is also indicated, and the situation in which the insurance company did not fulfill its obligations and did not take measures to correct the CBM is also described.

General information

CBM was introduced in the insurance industry to reduce the risks of insurance companies associated with unscrupulous drivers who often get into accidents.

At the same time, drivers are encouraged for safe driving and the absence of accidents, and every year the price of insurance for them decreases significantly.

To earn this, you do not need to fill out additional paperwork or sign agreements, since KBM is accrued automatically.

There are 15 classes in total, and initially a person is assigned class 3, which has a coefficient of 1 and allows you to purchase an insurance policy at full cost.

This is followed by 10 classes in the direction of decreasing coefficient, as well as four coefficients of negative values, the minimum of which is M.

Thus, positive values reduce the cost of the insurance policy, and negative values, on the contrary, increase its price; with high values, the increase can reach two times.

Photo: KBM table

Basic Concepts

In order to understand the issue of KBM and its restoration, you should familiarize yourself with the basic concepts of the field that experts operate and which may well be found in documents.

They will make it possible to understand what the BMR is, as well as in what cases it can increase or decrease.

Term	Meaning
KBM (Bonus-malus class)	A concept in the insurance industry that involves assigning a certain class to the person who insured the car. Each class corresponds to a certain coefficient, according to which the cost of the policy is determined. KBM can either lower the price or increase it, increasing it for accident-free driving throughout the year
RSA (Russian Union of Auto Insurers)	A non-profit organization that unites insurance companies engaged in car insurance. Members of this organization provide mutual assistance, protect the rights of companies in courts and assist in the payment of compensation, and also interact with clients on various issues.
Statement	A document that is written to an organization or a specific official for the purpose of notifying or requesting something. For example, there is an application for leave, hiring or dismissal, payment of compensation and assignment of benefits

Reasons for resetting the discount

Information about the driver’s CBM, and as a result, the discount, is present in the unified RSA database, where it is transferred by insurance companies.

And if the coefficient has become standard, although there were no accidents, this will be a reason for investigation and finding out the reasons why the class could have decreased.

But at the same time, there are legitimate reasons why the coefficient in Rosgosstrakh could be reset, among them:

Road accidents committed throughout the year	For which the driver was found guilty
Renewal of a policy from a limited one	Which can be used by several drivers, to unlimited, which gives the right to use the car to anyone
Purchasing a new car	As a result, the KBM is reset to zero, since in order to save it, the data of the driver and the car must match
The driver's license was replaced	—
Break in insurance	More than one year
Intentional violation of rules by insurance company employees	In which client data was not entered into the database

What regulations governs

In Russia there is a law that stipulates insurance procedures and the features of this process at the federal level.

Thus, the legal act 40-FZ “On compulsory civil liability insurance of vehicle owners” stipulates which companies can provide insurance services, in what order compensation is paid and how people’s rights can be protected.

If people have suffered damage, then the issue of the party paying for compensation is also addressed in this legislative act.

The coefficients that are applied in the Russian Federation regarding the cost of insurance are specified in the legal act issued by the Bank of Russia.

It appears under number 3384-U and the title “On the maximum amounts of basic rates of insurance tariffs and coefficients of insurance tariffs, requirements for the structure of insurance tariffs, as well as the procedure for their application by insurers when determining the insurance premium for compulsory civil liability insurance of vehicle owners.”

Thus, there is a special table in Appendix 2 to this Directive, which states exactly how the KBM is assigned and how it changes depending on the insurance period and the number of accidents.