С 2013 года при оценке стоимости ОСАГО начнут учитывать совершенные водителем аварии

Фото rugrad.eu

{"ID":"555741","~ID":"555741","TAGS":"ОСАГО, страхование, ДТП, бонус - малус, РСА","~TAGS":"ОСАГО, страхование, ДТП, бонус - малус, РСА","NAME":"С 2013 года при оценке стоимости ОСАГО начнут учитывать совершенные водителем аварии","~NAME":"С 2013 года при оценке стоимости ОСАГО начнут учитывать совершенные водителем аварии","IBLOCK_ID":"54","~IBLOCK_ID":"54","IBLOCK_SECTION_ID":"4067","~IBLOCK_SECTION_ID":"4067","DETAIL_TEXT":"\u003Cp\u003EСо следующего года страховщики начнут рассчитывать стоимость полиса ОСАГО с учетом наличия или отсутствия ДТП, виновником которых стал водитель. Для этого Российский союз автостраховщиков намерен ввести в действие электронную базу данных. По словам представителей РСА, с 1 января при продаже полиса страховщик будет обязан внести все сведения о страхователе и его автомобиле в базу и проверить коэффициент \u0026laquo;бонус-малус\u0026raquo;. Все страховые компании, которые занимаются продажей полисов обязательного автострахования, уже протестировали систему и готовятся передать данные о страховых случаях по договорам ОСАГО за последние два года, сообщает сегодня \u003Ca href=\u0022http:\/\/www.rbcdaily.ru\/2012\/11\/12\/finance\/562949985111857\u0022 \u003EРБК Daily\u003C\/a\u003E.\r\n\u003C\/p\u003E\u003Cp\u003E\r\nУчет коэффициентов \u0026laquo;бонус-малус\u0026raquo; предусмотрен законодательством с момента введения обязательного страхования автогражданской ответственности. Во многих странах власти так пытаются стимулировать водителей, чтобы снизить количество ДТП. \u0026laquo;Малус\u0026raquo; получает только виновник аварии. На бонус водитель может рассчитывать при отсутствии таковых.\r\n\u003C\/p\u003E\u003Cp\u003E\r\nВ российской практике \u0026laquo;малусы\u0026raquo; не удавалось применять в полном объеме, поскольку автовладельцы легко уклонялись от них, просто меняя страховую компанию. Поэтому расчет стоимости полиса ОСАГО базировался прежде всего на технических характеристиках автомобиля и стаже его владельца. Нововведение РСА изменит всю тарификацию ОСАГО и повлияет на стоимость каско, cистема расчетов станет прозрачной, \u0026mdash; уверены страховщики.\r\n\u003C\/p\u003E\u003Cp\u003E\r\nВпрочем, отмечают в рейтинговом агентстве \u0026laquo;Эксперт РА\u0026raquo;, введение новых правил еще не гарантирует исполнение. \u0026laquo;Не исключено, что недобросовестные страховые компании, желая привлечь клиентов, начнут закрывать глаза на случившиеся аварии\u0026raquo;, \u0026mdash; говорят они. напоминая, что подобные прецеденты уже были: скидки при оформлении ОСАГО незаконны и сейчас, но некоторые компании готовы их предоставить клиентам.\r\n\u003C\/p\u003E\u003Cp\u003E\r\nПо словам участников рынка, иногда компании готовы предложить водителям до 5% скидки на полис в виде бонуса за год безаварийной езды. Насколько подорожает автострахование для тех, кто за год один раз или больше побывал в ДТП, ни в РСА, ни в страховых компаниях пока не комментируют. Между тем, говорят участники рынка, страховая история автовладельцев может быть использована и для расчетов каско после соответствующих доработок системы.\u003C\/p\u003E","~DETAIL_TEXT":"\u003Cp\u003EСо следующего года страховщики начнут рассчитывать стоимость полиса ОСАГО с учетом наличия или отсутствия ДТП, виновником которых стал водитель. Для этого Российский союз автостраховщиков намерен ввести в действие электронную базу данных. По словам представителей РСА, с 1 января при продаже полиса страховщик будет обязан внести все сведения о страхователе и его автомобиле в базу и проверить коэффициент \u0026laquo;бонус-малус\u0026raquo;. Все страховые компании, которые занимаются продажей полисов обязательного автострахования, уже протестировали систему и готовятся передать данные о страховых случаях по договорам ОСАГО за последние два года, сообщает сегодня \u003Ca href=\u0022http:\/\/www.rbcdaily.ru\/2012\/11\/12\/finance\/562949985111857\u0022 \u003EРБК Daily\u003C\/a\u003E.\r\n\u003C\/p\u003E\u003Cp\u003E\r\nУчет коэффициентов \u0026laquo;бонус-малус\u0026raquo; предусмотрен законодательством с момента введения обязательного страхования автогражданской ответственности. Во многих странах власти так пытаются стимулировать водителей, чтобы снизить количество ДТП. \u0026laquo;Малус\u0026raquo; получает только виновник аварии. На бонус водитель может рассчитывать при отсутствии таковых.\r\n\u003C\/p\u003E\u003Cp\u003E\r\nВ российской практике \u0026laquo;малусы\u0026raquo; не удавалось применять в полном объеме, поскольку автовладельцы легко уклонялись от них, просто меняя страховую компанию. Поэтому расчет стоимости полиса ОСАГО базировался прежде всего на технических характеристиках автомобиля и стаже его владельца. Нововведение РСА изменит всю тарификацию ОСАГО и повлияет на стоимость каско, cистема расчетов станет прозрачной, \u0026mdash; уверены страховщики.\r\n\u003C\/p\u003E\u003Cp\u003E\r\nВпрочем, отмечают в рейтинговом агентстве \u0026laquo;Эксперт РА\u0026raquo;, введение новых правил еще не гарантирует исполнение. \u0026laquo;Не исключено, что недобросовестные страховые компании, желая привлечь клиентов, начнут закрывать глаза на случившиеся аварии\u0026raquo;, \u0026mdash; говорят они. напоминая, что подобные прецеденты уже были: скидки при оформлении ОСАГО незаконны и сейчас, но некоторые компании готовы их предоставить клиентам.\r\n\u003C\/p\u003E\u003Cp\u003E\r\nПо словам участников рынка, иногда компании готовы предложить водителям до 5% скидки на полис в виде бонуса за год безаварийной езды. 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