What is the AIS RSA OSAGO system: how and why to use it in 2021

In the insurance market, the Russian Union of Auto Insurers has been regulating relationships between MTPL participants for more than ten years, protecting the interests of clients of insurance companies that have ceased their activities due to bankruptcy.

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He develops and implements into practice the insurance market a methodology for improving insurance mechanisms for compulsory motor liability insurance.

Along with the creation of its database, a new era has opened in the insurance market, which must be carried out without fail by vehicle owners.

The leading role in the activities of the RCA is given to the application of standards and regulations in services for compulsory motor third party liability insurance and the development of statistics.

What it is

The Russian Union of Auto Insurers is a non-profit organization. Its status is approved by current legislation, therefore it became the first unified all-Russian professional association in the insurance services market, which is carried out by compulsory motor liability insurance. Its formation was based on the principle of compulsory membership of insurers.

The primary goal of the RCA is to ensure interaction between vehicle owners and draw up rules of professional activity for the production of compulsory insurance.

The Union was founded in August 2002 on the initiative of the most prominent insurance companies of the Federation, which was registered in October of the same year in the unified register of insurers and associations of the Ministry of the Russian Federation.

The activities of the RCA are carried out in accordance with the instructions of the Federal Law “On Compulsory Insurance of Civil Liability of Vehicle Owners”. It was adopted in April 2002 as number 40.

Possibilities

The Russian Union of Auto Insurers was founded in 2002. Companies that are involved in concluding MTPL contracts are required to join this union and enter into its database all data on policies:

• Period of validity of the contract.
• Full name of the car owner.
• The policyholder's age and driving experience.
• KBM.
• Information about insurance payments.
• Diagnostic card data, PTS.

After the insurance company concludes the contract, all information is entered into the RSA database.

Attention! The primary task of the union of auto insurers is to ensure interaction and normal operation of the insurance company.

RSA is beneficial for all insurance participants. SC he guarantees:

1. Supply of MTPL certificate forms.
2. Protection and assistance during insurance.
3. Assuming obligations to the company's clients if it goes bankrupt.

Car owners also benefit. In a number of cases, RSA compensates for damages that cannot be paid under standard compulsory motor liability insurance. Thanks to the Russian Union of Auto Insurers, vehicle owners are protected from unscrupulous insurance companies that impose a number of additional services.

The Union monitors compliance by insurance companies and also performs a number of other functions:

• Conducting advisory work.
• Protection of the rights of policyholders.
• Representation of members of the organization on insurance issues in government bodies and other institutions.

RSA also coordinates members of the anti-fraud association.

What functions does it perform?

RSA compensates for losses incurred under compulsory motor liability insurance in accordance with accepted obligations in accordance with regulations. The procedure for making payments is approved by current legislation.

Compensation for injuries caused to life and health is made in the following situations, when the culprit of the road traffic accident occurs:

• was not installed;
• he did not have a compulsory motor liability insurance agreement.

Payments for compensation for damage caused to the property of citizens of the Federation are made:

• if the insurance company goes bankrupt;
• her license under which she carried out economic activities was revoked.

To receive compensation, the policyholder must submit to the RSA a package of documents that contains:

• application requesting payment of compensation;
• documents on the insured event certifying the accident;
• notification that an accident has occurred;
• a certificate of an accident issued by the traffic police on a unified form numbered 12, 31, 11 or 748;
• a copy of the protocol recording an administrative offense issued as a result of an accident or a decision of the traffic police on the application of an administrative measure;
• a copy of the resolution on the case opened in connection with an administrative offense;
• the original of the MTPL insurance policy concluded by the culprit of the accident with the insurance company;
• if there was a trial, then the original of the court decision on sanctions;
• act of independent technical examination of the condition of the vehicle.

RSA considers the application within 30 calendar days, counted from the date of its registration in the journal of incoming correspondence.

But if additional materials on the case are required, the duration of the consideration increases. He makes payments by bank transfer.

If your claim for payment of compensation is refused, you must file a claim in court.

What to do if the MTPL policy is not in the RSA database?

All information is entered into the RSA database almost immediately after the registration of the MTPL policy, however, due to overload, the data may appear a little later.

We'll tell you what to do if you still have a policy, but the RSA database is missing. According to the law, an insurance organization is obliged to transfer information about the signing of an insurance contract to the RSA system no later than 1 business day from the date of registration of insurance (clause 7, article 15 of the Federal Law “On Compulsory Motor Liability Liability Liability Liability Insurance”).

When checking the insurance, we look at the status of the document. For a valid form, it should read “in the possession of the policyholder.”

There is no need to immediately worry if, after registering a policy with RCA, it still has the status “held by the insurer.” Most likely, the agent simply has not yet had time to make changes to the AIS.

The insurer must enter into the RSA database information about changes in any data specified by the policyholder in the application for concluding an insurance contract no later than 5 days from the date of amendments to the contract (Regulation of the Central Bank of Russia No. 431-p).

The policy owner has every right to report the fact of a counterfeit form as soon as it is in one of these statuses:

1. "lost legal force"
2. “Printed by the manufacturer” (the document was not transferred to the Investigative Committee)
3. Lost

What to do when you realize that you have purchased a fake policy? If little time has passed since the purchase, then the chances of getting back the money spent are quite good. First, you should write a statement to law enforcement agencies, attaching a false policy and any document that is proof of purchase (receipt or check). The application must describe in detail all the circumstances of the purchase of the MTPL policy, indicating all the information you know about the insurance agent.

Data on the conclusion of an insurance contract may also be missing in the unified insurance database of RSA for the following reasons:

1. The insurer did not provide information about its client's driving history
2. Incorrect information (with errors) was sent to the database, so it cannot be linked to the car owner
3. Technical failures in the program
4. Exchange of rights by the car owner (information in the AIS remained linked to the old document)
5. The policyholder has just received his license and is taking out insurance for the first time.

In order to be sure that the MTPL policy is not in the database, you can send a written request to the RSA.

Insurance rules

The information in the AIS database contains the official data of the owner, namely his full name, date of birth, including information about the series, driver's license number.

An insurance company, when concluding a compulsory motor liability insurance agreement with vehicle owners, is obliged to use AIS information about past concluded contracts in order to justify the bonus-malus coefficient that affects the cost of the policy.

It establishes 13 classes of insurance for vehicle owners for the application of coefficients commensurate with them. Until the beginning of 2013, the discount was assigned without written documents based on an oral application from the policyholder.

If during the last two years of insurance there were accidents committed by the policyholder, about which he did not notify the insurance company, then it has the right to refuse to make payment upon the occurrence of an insured event.

However, since 2013, rules have been adopted according to which the responsibilities of insurance companies are entrusted with conducting checks using a unified database of the bonus-malus coefficient in compulsory motor liability insurance.

Moreover, the activities of the insurance company over the previous 10 years and accident-free behavior over the past two years are checked. When calculating the cost of compulsory motor liability insurance, inspection data is used.

The association has created a database that makes it possible to calculate tariffs for compulsory motor insurance, taking into account the driver’s insurance history, and check the bonus-malus coefficients - AIS KBM.

The specified coefficient is used in calculating the insurance tariff and provides the opportunity to receive a bonus in the amount of 5% if the owner does not cause an accident on the road during the year.

If he committed an accident in the last two years, then the tariff increases, that is, the “malus” coefficient is accepted. If there is no information in the database about the use of the bonus-malus coefficient, a coefficient equal to one is used in the calculation.

If there is no information in the KBM AIS database, you must contact the insurance company where the previous OSAGO policy was concluded to enter the required data into the general database.

The unified MTPL database contains information about applicable discounts and increasing coefficients intended for owners of MTPL contracts.

Information is submitted to the unified database by local insurance companies operating in the Federation. In September 2014, a deadline was set for providing information to the AIS RSA on the conclusion of an MTPL agreement.

It must be provided within one working day after the day of its conclusion. Each specific situation is considered individually, so the amount of payments is calculated separately taking into account the prevailing circumstances.

However, the amount of compensation payments to the injured party for a specific road accident is strictly limited, so if several people were injured as a result of an accident, then the amount of compensation does not exceed 240 thousand , one - 160 thousand rubles .

OSAGO insurance rules.

When formulated as “damage to property”, the amount is:

Find out how to calculate the penalty for compulsory motor liability insurance in the article: penalty for compulsory motor liability insurance. Is life insurance compulsory for compulsory motor liability insurance? You can read here.

Stages of the procedure

To receive e-OSAGO online, the car owner must choose an insurer. The RCA portal displays a list of licensed insurance companies that have the right to conclude contracts. You need to go to the website of the selected company, register, open a personal account and log in.

Reference. Be sure to have an email to receive a login and password to work.

To apply for insurance online you will need a number of documents:

• Passport.
• Driving licenses of persons who will drive the vehicle.
• Previous policy.
• Technical passport and vehicle registration certificate.
• Vehicle diagnostic card (is a technical inspection required when applying for e-MTPL?).

Copies of the attached documents must clearly reproduce the information from the original. The text should be easy to read. All details, signatures and dates must be legible. Cropped parts of documents and glare on them are not allowed.

On the website of the selected insurance company, you must fill out an application for data verification through PCA. The statement states:

• FULL NAME.
• Driving experience.
• The amount of horsepower of the car.
• Body type.

To sign an electronic form, use an individual SNILS number. If online insurance is carried out by a legal entity, it must have a digital qualified signature.

If the information provided is inaccurate, a letter will be sent by email notifying you of errors and requesting copies of documents. When all changes have been made and the data has been verified, you will receive a calculation of the amount to be paid.

The cost of an electronic policy depends on the tariffs that apply in the insurance industry and the accumulated coefficients. At the state level, base rates are established. They depend on a number of factors:

• Type of vehicle.
• Brand TS.
• Increase or decrease of coefficients depending on insurance conditions.

You can make a payment in any convenient way: through electronic systems, by bank card, for example.

After payment, an e-policy will be sent to your email inbox. You must print it out and keep it with you in your car. On the insurance company’s website in the car owner’s personal account, all copies of issued policies will be saved.

Attention! The received MTPL agreement must be checked against the RSA database.

Sometimes it happens that concluding an agreement with the selected insurance company is impossible. The vehicle owner will be asked to go to the replacement insurer's portal. On its website you need to create a personal account and fill out an application.

Calculation of the cost of compulsory motor liability insurance in RSA

The cost of an MTPL policy is formed from tariffs and coefficients. Insurance companies are unable to change its value. They do not have the right to assign discounts, make gifts, or hold promotions when purchasing a policy.

The state has established base rates, which are assigned depending on the type of car and coefficients that increase or decrease it depending on the conditions of previously completed insurance.

The coefficients express the main risks for the owners and the car they own:

• the driver's experience, his age;
• car registration area;
• car power;
• the number of persons who have the right to drive a car;
• driving without creating emergency situations.

There are no restrictions on driver age. But if the driver’s age is less than 22 years and his experience is less than three years, then he is assigned an increasing factor of 1.7, while for a more experienced driver its value will be equal to one.

Each district is assigned an individual territorial coefficient, for example, for Moscow, where the probability of an accident is high, a coefficient with a high indicator of 2 is assigned, for residents of the Moscow region it is equal to 1.7.

Engine power, expressed in horsepower, also affects the coefficient, which varies from 0.6 to 1.6;

If the car is driven by several people, then the coefficient is assumed to be 1.8; for a specific number of people driving the car, the coefficient will not exceed one.

The numerical value of the bonus-malus coefficient is directly dependent on the insured events that occurred previously, since it encourages driving without causing accidents.

Its minimum value is 0.5, and its maximum value is 2.4. To calculate the policy, a special formula is used, which includes the values ​​of the tariff and coefficients.

Calculation example. Let's say we have a passenger car with a horsepower of 110, which is registered in the Moscow region.

It is driven by a driver who has reached 21 years of age and has a driving experience of two years. The number of persons allowed to drive is limited, the driving was carried out without accidents, insurance under compulsory motor liability insurance was concluded for the first time.

The following indicators are set:

The cost of a policy for a period of one year will be:

RSA database

The consolidated database of insurers was developed and put into operation in 2013. It stores all current contracts concluded under MTPL.

The RSA database for OSAGO stores data on BMC (bonus-malus coefficients). It is this indicator that can largely influence the final cost of the MTPL policy. It depends on the driving experience and the number of emergency situations in which the car owner has been.

If a car owner does not change insurance company from year to year, then this coefficient is stored by insurers in their databases. But if a compulsory motor liability insurance policy is concluded with another insurance company, the insurers will take the data on the KMB from the RSA database. To ensure that the data in this database is always up to date, insurers are responsible for the timely transfer of data for each insured client:

• increase the coefficient if the car owner has been in an accident;
• lower the coefficient if the car owner drove without accidents.

But you should not rely on the technical side of solving this issue. This database may contain errors of both a human and technical nature, which can turn the situation not in favor of the car owner. Therefore, always keep documents confirming accident-free driving on the roads.

Check the policy for authenticity

In the last few years, cases of theft of MTPL policies have become more frequent, and counterfeits have been discovered. When purchasing it from an insurance agent, it is better to check that it belongs to a specific insurance company, so that unforeseen situations with unpleasant consequences do not arise later.

To check the authenticity of the policy, you must enter the number into the RSA database, where its stamp and name must match.

It will help establish registration of the policy in a single registry. If the result of the check is: “the policy is lost,” you need to refuse to purchase it in order to subsequently conclude an insurance contract, then notify the insurance company.

In addition to the above, it should be noted that the PSA acts in favor of the driver, helping to ensure his protection.

The measures it takes to resolve disputes and make insurance payments emphasize the importance of this organization.

Further development of the activities of the RSA, improvement of its mechanisms will make it possible to increase insurance payments and introduce price tables according to which compensation will be paid to persons injured in road accidents.

Features of the OSAGO policy in the company Soglasie, find in the article: OSAGO Soglasie. This article describes payments under compulsory motor liability insurance at VSK.

The cost of compulsory motor liability insurance after an accident is discussed here.

Purpose and main activities of the Russian Union of Motor Insurers

RSA plays an important role in insurance because it performs a number of functions:

1. Forms uniform rules of behavior for participants and verifies their compliance. Strict control allows us to ensure a high level of professionalism of all insurance companies.
2. Defends and represents the interests of insurance companies in various disputes.
3. Pays compensation to policyholders who were unable to receive compensation for damage from companies in cases provided for by the Federal Law “On Compulsory Motor Liability Insurance”.

RSA also has the right to perform other functions regarding information, technical and organizational support for the implementation of the Federal Law “On Compulsory Motor Liability Insurance”.

For policyholders, the most significant is the possibility of applying to the RSA for compensation in the event that the original insurance company cannot fulfill its obligations.

In case of personal injury, you can receive payment from RSA in the following cases:

1. The insurance company of the person responsible for the accident was declared bankrupt or deprived of its license by the Central Bank of the Russian Federation.
2. The culprit of the accident is unknown (for example, he left the scene of the accident).
3. The person at fault for the accident does not have a MTPL insurance policy.

In the event of property damage, you can apply to the RCA only if the insurer at fault is declared bankrupt or its license is revoked by the Central Bank of the Russian Federation.

The addresses of branches of companies processing applications for RSA can be found at autoins.ru.

Branches and representative offices of RSA in Russian cities

The central office of the Russian Union of Auto Insurers is located in Moscow at the address: Lyusinovskaya street, 27, building 3. The nearest metro station to the office is Dobryninskaya.

Each federal district (FD) has a representative office of the RSA. Below is a list of addresses of these representative offices by federal district:

• The head office of the RSA in the North-Western Federal District is located in St. Petersburg at the address: Dnepropetrovskaya street, building 3;
• The main branch of the Union of Auto Insurers in the Volga Federal District is located at the following address: Nizhny Novgorod, Rozhdestvenskaya Street, building 36;
• The RSA office in the Ural Federal District is located in Yekaterinburg. This representative office has the following postal address: Karl Liebknecht Street, building 22, office 304;
• The RSA representative office for the Siberian Federal District is located in Novosibirsk. It occupies a building located at the address: Frunze Street, building 5, office 432;
• In the Far Eastern Federal District, the representative office of the Russian Union of Auto Insurers is located in Khabarovsk, at house number 3 on Dyachenko Lane;
• In Rostov-on-Don, at the address: Krasnoarmeyskaya street, building 200/1, the head office of the RSA for the Southern Federal District is located

The RSA representative office for the Republic of Crimea and the city of Sevastopol is classified as a separate division of the union and is located in the capital of this subject of the federation - the city of Simferopol.

The work schedule for all RSA representative offices is common. From Monday to Thursday, offices are open from 09:00 to 18:00, and on Friday from 09:00 to 16:45 with a lunch break from 13:00 to 13:45 on each working day.