RSA - Russian Union of Auto Insurers

The Compulsory Motor Liability Insurance Agreement (MTPL) solves the problem of material compensation in the event of an accident with subsequent mechanical damage to the car or injuries to a pedestrian. Most car enthusiasts have many questions when planning to purchase MTPL via the Internet. And due to numerous frauds of various insurance companies, people began to more often apply for a compulsory auto insurance contract to the so-called Russian Union of Auto Insurers (hereinafter referred to as RSA).

The advantage of purchasing an MTPL policy through RSA

Often, due to a person’s busy schedule, it is not possible to submit any documents in person. Every year the number of citizens filling out and submitting applications online , which is due to the desire to save time by not standing in long lines. Among the positive aspects, it is also necessary to note the volume of the insurance system, which covers and unites a large number of companies into a single database, thereby expanding the ability to search for the necessary information from any device with access to the Internet. This method also provides the advantage of being able to compare the amount of policies of different companies with each other.

Expert opinion

Valery Volkov

Insurance expert and auto lawyer

OSAGO calculator

Sometimes situations may arise when documents uploaded by the user have not been verified. In this case, the contract is not executed due to a number of reasons: the specified information does not correspond with the information of the scanned documents or a low-quality photo (or low resolution) due to which the text becomes unreadable. The error may also occur due to the large size of the attached document. It is important to consider that the scan should not exceed 2 MB .

After checking for the absence of any defects in the documents translated into electronic form and confirming the correctness of the entered data, the citizen has the right to write a complaint against the organization , indicating the reason for the unfounded refusal to accept the application.

Situations for contacting RSA

A detailed sequence of measures to obtain compensation in all special cases is given on the web portal of the RSA association. There it is also possible to study the limits of compensatory payments based on the date of signing the MTPL contract of the damage causer.

In addition to information about OSAGO, the organization’s web resource contains detailed information about the Green Card. Green card is an international concept of motor vehicle insurance, as well as a certificate certifying insured risks to a third party in other countries.

In the event of an accident, insurance compensation will be paid by a domestic insurance company. Currently, 49 states have joined the Green Card, and the functions of the domestic system are carried out by the RSA.

Insurance organizations that sell the card;
Documents required to purchase a card;
Sequence of actions in case of accidents and accidents in the Russian Federation and abroad;
Acts related to the functioning of the certificate.

Using the “Green Card” section, in addition to familiarizing yourself with frequently asked questions, you can also formulate and ask your question using a specialized feedback form and based on the result, you will be sent a response with comments on the question to the e-mail indicated in the completed form.

What insurance companies can you use?

The website of the Russian Union of Auto Insurers provides a comprehensive list of insurance companies providing services for issuing insurance policies. These are about 50 organizations, including:

Rosgosstrakh,
Sogaz,
Max,
AlfaInsurance,
Agreement,
Medexpress,
Tinkoff Insurance and others.

You can select an insurance company through RSA by going from the main page of the site - autoins.ru to the " EOSAGO " tab. Then open the section “ Members of the RCA who issue electronic policies ”.

Purchasing an electronic policy through RSA

Let's consider how the electronic portal of the Russian Union of Auto Insurers can be useful when concluding a contract via the Internet. As an example, let’s check the possibility of registering e-OSAG in three large insurance companies:

SPAO INGOSSTRAKH
JSC "AlfaStrakhovanie"
Rosgosstrakh LLC

We will find out whether the selected insurance companies are members of the RSA, whether they have the right to issue motor vehicle liability policies and other related information.

We go to the main page of RSA at www.autoins.ru and select the “E-OSAGO” tab in the menu. Then click on the item “Members of the RSA who issue electronic policies.”

RSA official website

In the new window that opens we find SPAO and Alfastrakhovanie JSC. We make sure that they are current members of the RCA with the right to issue electronic policies.

RSA members

Scrolling down the list, we see that the same applies to IC Rosgosstrakh PJSC.

Now you can safely insure your car online by concluding an agreement with the chosen company. In accordance with the federal law “On compulsory motor third party liability insurance of vehicle owners” (OSAGO) No. 40-FZ dated July 21, 2014. purchasing an electronic policy is possible only from the policyholder’s personal account. If there isn't one, the first step is to create one.

Online calculation of the cost of electronic compulsory motor liability insurance

You can find out the cost of the electronic MTPL contract by using an online calculator. You can find it on the website of the selected insurance company, or on the page of the Russian Union of Auto Insurers.

To get the result you need to enter the requested information. Typically, this is the vehicle data:

PTS information,
VIN number,
government number,
engine power,
period of use of the car and purpose.

And also information about the drivers:

FULL NAME,
Date of Birth,
driver license,
experience,
City of residence.

Then you need to click the “ Calculate ” button. Based on the information provided, the system will show you the cost of the service.

Goals of the Union

A huge range of issues goes through RSA. The goals of his work are:

Organize interactions between all participants in the Russian insurance market for compulsory motor insurance;
Carry out interconnections of operations in international insurance systems;
Coordinate the entrepreneurial activities of the Union members;
Create a set of rules for professional activities when conducting compulsory insurance operations in international insurance systems;
Be representatives and protect the interests of RCA member organizations related to compulsory insurance. And also to protect the rights to compensate for damage caused to their life, health or property during the use of the car by third parties;
Ensure maintenance of vehicles in accordance with the requirements of the laws of the Russian Federation in this area;
Organize information interaction and counteract fraudulent activities in the field of insurance in accordance with the legislation of the Russian Federation.

OSAGO territory coefficient for 2021

Regions of the Russian Federation	Coefficients for vehicles	Coefficients for tractors
Republic of Adygea	1,3	1,0
Altai Republic
Gorno-Altaisk	1,3	0,8
Other cities and towns	0,7	0,5
Republic of Bashkortostan
Blagoveshchensk, Oktyabrsky	1,2	0,8
Ishimbay, Kumertau, Salavat	1,1	0,8
Sterlitamak, Tuymazy	1,3	0,8
Ufa	1,8	1
Other cities and towns	1	0,8
The Republic of Buryatia
Ulan-Ude	1,3	0,8
Other cities and towns	0,6	0,5
The Republic of Dagestan
Buynaksk, Derbent, Kaspiysk, Makhachkala, Khasavyurt	1	0,8
Other cities and towns	0,7	0,5
The Republic of Ingushetia
Malgobek	0,8	0,5
Nazran	0,6	0,5
Other cities and towns	0,6	0,5
Kabardino-Balkarian Republic
Nalchik, Prokhladny	1	0,8
Other cities and towns	0,7	0,5
Republic of Kalmykia
Elista	1,3	0,8
Other cities and towns	0,6	0,5
Karachay-Cherkess Republic	1	0,8
Republic of Karelia
Petrozavodsk	1,3	0,8
Other cities and towns	0,8	0,5
Komi Republic
Syktyvkar	1,6	1,0
Ukhta	1,3	0,8
Other cities and towns	1	0,8
Republic of Crimea
Simferopol	0,6	0,6
Other cities and towns	0,6	0,6
Mari El Republic
Volzhsk	1	0,8
Yoshkar-Ola	1,4	0,8
Other cities and towns	0,7	0,5
The Republic of Mordovia
Ruzaevka	1,2	1,0
Saransk	1,5	1,0
Other cities and towns	0,8	0,6
The Republic of Sakha (Yakutia)
Neryungri	0,8	0,5
Yakutsk	1,2	0,7
Other cities and towns	0,6	0,5
Republic of North Ossetia-Alania
Vladikavkaz	1	0,8
Other cities and towns	0,8	0,5
Republic of Tatarstan
Almetyevsk, Zelenodolsk, Nizhnekamsk	1,3	0,8
Bugulma, Leninogorsk, Chistopol	1	0,8
Elabuga	1,2	0,8
Kazan	2	1,2
Naberezhnye Chelny	1,7	1,0
Other cities and towns	1,1	0,8
Tyva Republic
Kyzyl	0,6	0,5
Other cities and towns	0,6	0,5
Udmurt republic
Votkinsk	1,1	0,8
Glazov, Sarapul	1	0,8
Izhevsk	1,6	1
Other cities and towns	0,8	0,5
The Republic of Khakassia
Abakan, Sayanogorsk, Chernogorsk	1	0,8
Other cities and towns	0,6	0,5
Chechen Republic	0,7	0,5
Chuvash Republic
Kanash	1,1	0,8
Novocheboksarsk	1,2	0,8
Cheboksary	1,7	1
Other cities and towns	0,8	0,5
Altai region
Barnaul	1,7	1
Biysk	1,2	0,8
Zarinsk, Novoaltaisk, Rubtsovsk	1,1	0,8
Other cities and towns	0,7	0,5
Transbaikal region
Krasnokamensk	0,6	0,5
Chita	0,7	0,5
Other cities and towns	0,6	0,5
Kamchatka Krai
Petropavlovsk-Kamchatsky	1,3	1,0
Other cities and towns	1,0	0,6
Krasnodar region
Anapa, Gelendzhik	1,3	0,8
Armavir, Sochi, Tuapse	1,2	0,8
Belorechensk, Yeisk, Kropotkin, Krymsk, Kurganinsk, Labinsk, Slavyansk-on-Kuban, Timashevsk, Tikhoretsk	1,1	0,8
Krasnodar, Novorossiysk	1,8	1,0
Other cities and towns	1	0,8
Krasnoyarsk region
Achinsk, Zelenogorsk	1,1	0,8
Zheleznogorsk, Norilsk	1,3	0,8
Kansk, Lesosibirsk, Minusinsk, Nazarovo	1	0,8
Krasnoyarsk	1,8	1
Other cities and towns	0,9	0,5
Perm region
Berezniki, Krasnokamsk	1,3	0,8
Lysva, Tchaikovsky	1	0,8
Permian	2	1,2
Solikamsk	1,2	0,8
Other cities and towns	1,1	0,8
Primorsky Krai
Arsenyev, Artem, Nakhodka, Spassk-Dalniy, Ussuriysk	1	0,8
Vladivostok	1,4	1
Other cities and towns	0,7	0,5
Stavropol region
Budennovsk, Georgievsk, Essentuki, Mineralnye Vody, Nevinnomyssk, Pyatigorsk	1	0,8
Kislovodsk, Mikhailovsk, Stavropol	1,2	0,8
Other cities and towns	0,7	0,5
Khabarovsk region
Amursk	1	0,8
Komsomolsk-on-Amur	1,3	0,8
Khabarovsk	1,7	1
Other cities and towns	0,8	0,5
Amur region
Belogorsk, Svobodny	1,1	0,9
Blagoveshchensk	1,6	0,9
Other cities and towns	1,0	0,6
Arhangelsk region
Arkhangelsk	1,8	1
Kotlas	1,6	1
Severodvinsk	1,7	1
Other cities and towns	0,85	0,5
Astrakhan region
Astrakhan	1,4	1
Other cities and towns	0,8	0,5
Belgorod region
Belgorod	1,3	0,8
Gubkin, Stary Oskol	1	0,8
Other cities and towns	0,8	0,5
Bryansk region
Bryansk	1,5	1
Klintsy	1	0,8
Other cities and towns	0,7	0,5
Vladimir region
Vladimir	1,6	1
Gus-Khrustalny	1,1	0,8
Moore	1,2	0,8
Other cities and towns	1	0,8
Volgograd region
Volgograd	1,3	0,8
Volzhsky	1,1	0,8
Kamyshin, Mikhailovka	1	0,8
Other cities and towns	0,7	0,5
Vologda Region
Vologda	1,7	1
Cherepovets	1,8	1
Other cities and towns	0,9	0,5
Voronezh region
Borisoglebsk, Liski, Rossosh	1,1	0,9
Voronezh	1,5	1
Other cities and towns	0,8	0,6
Ivanovo region
Ivanovo	1,8	1
Kineshma	1,1	0,8
Shuya	1	0,8
Other cities and towns	0,9	0,5
Irkutsk region
Angarsk	1,2	0,8
Bratsk, Tulun, Ust-Ilimsk, Ust-Kut, Cheremkhovo	1	0,8
Irkutsk	1,7	1
Usolye-Sibirskoye	1,1	0,8
Shelekhov	1,3	0,8
Other cities and towns	0,8	0,5
Kaliningrad region
Kaliningrad	1,1	0,8
Other cities and towns	0,8	0,5
Kaluga region
Kaluga	1,2	0,8
Obninsk	1,3	0,8
Other cities and towns	0,9	0,5
Kemerovo region
Anzhero-Sudzhensk, Kiselevsk, Yurga	1,2	0,8
Belovo, Berezovsky, Mezhdurechensk, Osinniki, Prokopyevsk	1,3	0,8
Kemerovo	1,9	1
Novokuznetsk	1,8	1
Other cities and towns	1,1	0,8
Kirov region
Kirov	1,4	1
Kirovo-Chepetsk	1,2	0,8
Other cities and towns	0,8	0,5
Kostroma region
Kostroma	1,3	0,8
Other cities and towns	0,7	0,5
Kurgan region
Mound	1,4	0,8
Shadrinsk	1,1	0,8
Other cities and towns	0,6	0,5
Kursk region
Zheleznogorsk	1	1,8
Kursk	1,2	0,8
Other cities and towns	0,7	0,5
Leningrad region	1,3	0,8
Lipetsk region
Dace	1	0,8
Lipetsk	1,5	1
Other cities and towns	0,8	0,5
Magadan Region
Magadan	0,7	0,5
Other cities and towns	0,6	0,5
Moscow region	1,7	1
Murmansk region
Apatity, Monchegorsk	1,3	1,0
Murmansk	1,2	1,2
Severomorsk	1,6	1,0
Other cities and towns	1,2	1,0
Nizhny Novgorod Region
Arzamas, Vyksa, Sarov	1,1	0,8
Balakhna, Bor, Dzerzhinsk	1,3	0,8
Kstovo	1,2	0,8
Nizhny Novgorod	1,8	1
Other cities and towns	1	0,8
Novgorod region
Borovichi	1	0,8
Velikiy Novgorod	1,3	0,8
Other cities and towns	0,9	0,5
Novosibirsk region
Berdsk	1,3	0,8
Iskitim	1,2	0,8
Kuibyshev	1	0,8
Novosibirsk	1,7	1
Other cities and towns	0,9	0,5
Omsk region
Omsk	1,6	1
Other cities and towns	0,9	0,5
Orenburg region
Buguruslan, Buzuluk, Novotroitsk	1	0,8
Orenburg	1,7	1
Orsk	1,1	0,8
Other cities and towns	0,8	0,5
Oryol Region
Livny, Mtsensk	1	0,8
Eagle	1,2	0,8
Other cities and towns	0,7	0,5
Penza region
Zarechny	1,2	0,8
Kuznetsk	1	0,8
Penza	1,4	1
Other cities and towns	0,7	0,5
Pskov region
Velikie Luki	1	0,8
Pskov	1,2	0,8
Other cities and towns	0,7	0,5
Rostov region
Azov	1,2	0,8
Bataysk	1,3	0,8
Volgodonsk, Gukovo, Kamensk-Shakhtinsky, Novocherkassk, Novoshakhtinsk, Salsk, Taganrog	1	0,8
Rostov-on-Don	1,8	1
Mines	1,1	0,8
Other cities and towns	0,8	0,5
Ryazan Oblast
Ryazan	1,4	1
Other cities and towns	0,9	0,5
Samara Region
Novokuybyshevsk, Syzran	1,1	0,8
Samara	1,6	1
Tolyatti	1,5	1
Chapaevsk	1,2	0,8
Other cities and towns	0,9	0,5
Saratov region
Balakovo, Balashov, Volsk	1	0,8
Saratov	1,6	1
Engels	1,2	0,8
Other cities and towns	0,7	0,5
Sakhalin region
Yuzhno-Sakhalinsk	1,5	1
Other cities and towns	0,9	0,5
Sverdlovsk region
Asbest, Revda	1,1	0,8
Berezovsky, Verkhnyaya Pyshma, Novouralsk, Pervouralsk	1,3	0,8
Verkhnyaya Salda, Polevskoy	1,2	0,8
Ekaterinburg	1,8	1
Other cities and towns	1	0,8
Smolensk region
Vyazma, Roslavl, Safonovo, Yartsevo	1	0,8
Smolensk	1,2	0,8
Other cities and towns	0,7	0,5
Tambov Region
Michurinsk	1	0,8
Tambov	1,2	0,8
Other cities and towns	0,8	0,5
Tver region
Vyshny Volochek, Kimry, Rzhev	1	0,8
Tver	1,5	1
Other cities and towns	0,8	0,5
Tomsk region
Seversk	1,2	0,8
Tomsk	1,6	1
Other cities and towns	0,9	0,5
Tula region
Aleksin, Efremov, Novomoskovsk	1	0,8
Tula	1,5	1
Uzlovaya, Shchekino	1,2	0,8
Other cities and towns	0,9	0,5
Tyumen region
Tobolsk	1,3	0,8
Tyumen	2	1,2
Other cities and towns	1,1	0,8
Ulyanovsk region
Dimitrovgrad	1,2	0,9
Ulyanovsk	1,5	1,1
Other cities and towns	0,9	0,6
Chelyabinsk region
Zlatoust, Miass	1,4	0,8
Kopeisk	1,6	1
Magnitogorsk	1,8	1
Satka, Chebarkul	1,2	0,8
Chelyabinsk	2,1	1,3
Other cities and towns	1	0,8
Yaroslavl region
Yaroslavl	1,5	1
Other cities and towns	0,9	0,5
Moscow	2	1,2
Saint Petersburg	1,8	1
Sevastopol	0,6	0,6
Jewish Autonomous Region
Birobidzhan	0,6	0,5
Other cities and towns	0,6	0,5
Nenets Autonomous Okrug	0,8	0,5
Khanty-Mansiysk Autonomous Okrug - Ugra
Kogalym	1	0,8
Nefteyugansk, Nyagan	1,3	0,8
Surgut	2	1,2
Nizhnevartovsk	1,8	1
Khanty-Mansiysk	1,5	1
Other cities and towns	1,1	0,8
Chukotka Autonomous Okrug	0,6	0,5
Yamalo-Nenets Autonomous Okrug
New Urengoy	1	0,8
Noyabrsk	1,7	1
Other cities and towns	1,1	0,8
Baikonur	0,6	0,5

The region where the driver is registered plays an important role and is taken into account when calculating the cost of the contract. In those areas where, according to statistics, the most traffic accidents occur, the coefficient will be higher.

OSAGO insurance calculator

For the audience of policyholders, the interface of the main page of the PCA website, where the MTPL insurance calculator is built-in, will also be convenient.
After entering into the Calculator such values as the vehicle's service life, contract terms, vehicle owner data, car model, etc., the result is the approximate cost of insurance policies. In addition to the OSAGO Calculator, the website contains information about taking into account the CBM parameter (bonus-malus coefficient) in the contract. The “bonus-malus” coefficient is calculated from the number of accidents due to the fault of the policyholder and taking into account insurance compensation for previous periods. As a result, KBM influences the final price of the MTPL policy. The website provides a breakdown in table format, according to which insurers and policyholders have the opportunity to independently calculate the coefficient for their case.

Table with calculation of KBM:

In the field “Electronic OSAGO Policy” (EP OSAGO) there is information about the specifics and beneficial aspects of this document. EP OSAGO is similar to a regular official, printed OSAGO policy, only its registration and acquisition occurs remotely via the Internet. This format of the policy has full legal force. In more detail, how and where you can apply for, receive and use after receiving the MTPL electronic signature can be found in this section of the RSA website. In addition, there are solutions and comments on the most common and popular topics and problems, for example, about the level of security of an electronic policy and how to avoid coming across a fake.

The web portal also has a section with limited access information - “Insurance History Section”. Only registered users of the site can access this information. It is worth noting that the registration procedure may not be available to everyone. Only auto insurers can register, which must send a fully completed application in the form (posted on the RSA website) on the official letterhead of the company and from the official address of the organization. You can download the application form in the same part of the portal.

Comparison of the cost of compulsory motor liability insurance among various insurers

Due to recent changes in legislation (amendment in the Federal Law of 2021 “On Compulsory Insurance”), there has been an increase in the price range for various insurance organizations. Thanks to this, citizens can observe a significant difference in the cost of compulsory motor insurance.

A popular way to compare the monetary value of a contract is to use a website that requires you to enter information about the driver and his vehicle in order to obtain a result in the form of a list of different companies.

Comparison of the cost of compulsory motor liability insurance

Below you can fill out the form and compare the cost of compulsory insurance in different companies online.

If the region of registration of the car is not in the list, indicate the nearest town, region or region.

Please note that the price is for KBM=1. During further processing, the coefficient will be clarified and the final cost will be recalculated.

Calculation of KBM

Advantages

Purchase without restrictions and additional services
One calculation - several insurance companies
Payment by bank card
The entire territory of the Russian Federation
Policy by e-mail with online payment

Redirection through the RSA website to a replacement insurer

Drivers who frequently get into traffic accidents develop a bad reputation for themselves, which is why the company they have chosen may refuse to provide this service and refer them to the RSA website. The Union, according to the law, is obliged to provide the opportunity to register a document, where the system automatically finds other options for organizations.

The reason for redirection to the Union website may be the lack of free numbers , which, alas, will not appear. Such cases occur infrequently, but do not forget that each organization is allocated a certain number.

Redirection can also occur if the site is updated or crashes . If a citizen is in a limited time frame, then the conclusion of an agreement can also be carried out through the RSA website. Sometimes, situations arise when it is fundamentally necessary to issue a document through an organization; in this case, the only solution is to wait until the site malfunction is corrected.

Compensation payments from RSA

On the website of the Association of Auto Insurers in the area of “Compensatory Payments” it is noted in detail that in a given situation the victim must request RCA to receive compensation, and in some cases - to his own insurance company. For the purpose of more transparent and more comfortable perception, this information is shown in table format.

Additionally, the site contains information with a list of insurance companies withdrawn from the Agreement on direct compensation for losses of insurance companies. We are talking about companies that do not carry out compensation transfers to victims, who, in turn, have concluded a compulsory civil liability insurance agreement (MTPL) with the latter. Depending on the situation (depending on the details of the particular case), the injured party must demand compensation from the insurer with whom the risks of the guilty party are insured or from the RSA representative office.

Let's sum it up

Today, the problem of obtaining an MTPL policy has ceased to be acute thanks to the introduction of an electronic registration system. People no longer need to leave home and stand in line to sign a contract. In addition, you can track the status of the application and the readiness of the document using a smartphone or other types of technology capable of searching for information by navigating Internet sites. For some citizens, the absence of imposition of unnecessary services by the organization’s employees will also be a plus.

OSAGO policy

For 15 years now, compulsory motor liability insurance has been in effect in our country.
It is designed to make it easier for road users to recover damages in the event of an accident. You can now buy an MTPL policy from a huge number of large and not very large insurance companies and agents, as well as apply for car insurance online via the Internet. Since the market for the provision of insurance services is large, there is a danger of fraudsters appearing on it. In this regard, together with the implementation of the Federal Law “On Compulsory Motor Liability Insurance”, a professional organization of insurance companies was created and officially established. Its main goal is to regulate and control the activities of insurers, as well as to be a kind of information core uniting insurance companies, drivers and the traffic police,

“Yugoria” is a member of the RSA and has been issuing electronic policies since recently. Is a state insurance company that was founded twenty years ago.

The group, which is headed by Ugoria, also includes a subsidiary organization called Ugoria-Life.

The authorized capital today amounts to more than a billion rubles. The clients of the represented company are sixty-four thousand legal entities, and in addition, over a million citizens.

Today, “Yugoria” can be called a universal insurance organization, a member of the RSA, providing a huge selection of insurance services. This organization has the right to carry out activities in twenty types of insurance using sixty different rules of this industry.

The Governor of Ugra N. Komarova directly provides guarantees to support the company.

The government of this autonomous region has all the necessary resources to perform its functions in this market with one hundred percent guarantees. All necessary levers are used to ensure that the organization remains in a leading position.

How to properly submit documents to the RSA?

How to submit documents to the RSA and what pitfalls may arise on your way when receiving compensation payments:

If you nevertheless decide not to sue the RSA or a bankrupt insurance company, but, following all the formalities, to receive the money due by law, we strongly recommend that you write down all the contact details of the culprit.
Damage assessment. When submitting documents to the RSA, you will have to organize an independent appraisal examination to determine the cost of damage, in common parlance - an assessment. Do not trust such a serious matter to little-known experts with dubious reputations. Contact only professionals who will calculate as much as required by law and, if necessary, confirm their opinion in court.
Be sure to draw up an agreement with the appraiser and be sure to read it before signing. In addition, do not forget that under OSAGO the amount of damage is calculated taking into account wear and tear on the parts being replaced. Unfortunately, the Supreme Court of the Russian Federation supports this position, and there is no point in challenging it in court.
Submission of documents. In your application for compensation, carefully describe the entire list of documents submitted to the RSA. Ask the specialist for a copy of the submitted application with an acceptance mark.

The period for making a decision on your application to the RCA cannot exceed 30 calendar days. If the deadline is exceeded, you can safely go to court.

New rule from RSA: another pitfall on the path to obtaining insurance!

Attention! RSA has come up with a new rule. Now, for the policies of insurance companies for which bankruptcy proceedings have been applied or the company has already been declared bankrupt, the RCA refuses payment, citing Article 185 of the Law “On Insolvency (Bankruptcy)”. RSA motivates the refusal by the fact that after the insurer is declared bankrupt, all insurance policies cease to be valid. However, for some reason, RSA forgets to say in the refusal letter that neither the rules of compensation payments, nor the law on compulsory motor liability insurance, nor the rules of compulsory motor liability insurance provide such a basis for refusing compensation payment.

In order not to waste your precious working time, you can contact us. We will check the completeness of the documents and the correctness of their completion, transfer them to the RSA, and by constantly monitoring the movement of documents, we guarantee the shortest possible time for consideration of your application for an absolutely nominal fee. Within 3 to 5 days.