How to get a calculation (independent examination) from an insurance company

In case of damage or total loss of the car

If the car was damaged in an accident, then under OSAGO it will be sent for repair work. Insurance companies usually have their own service stations, but sometimes situations arise where they pay the costs of other service stations. It is better to clarify this point with your insurance company, without sending the car for repair work without prior approval.

The amount of compensation depends on the results of the experts’ work. When the policyholder thinks that the allocated payment is underestimated, he should take care of conducting a second independent examination. If after this you cannot achieve positive results, you should contact the judicial authority.

If the car cannot be restored, the car is lost . In what situation is this verdict made? When the cost of repairs exceeds or equals the price tag of the car at the time of the accident.

In this case, the insurance company will compensate for the cost of the car, or will issue the largest payment if the price tag of the car was above 400 thousand rubles. Because maximum compensation under compulsory motor liability insurance is 400 thousand rubles .

For causing harm to health

Causing harm to health is not only about spending on medications, nursing services, etc. The MTPL company can compensate for wages that the victim did not receive during treatment.

If the victim has been assigned a disability group, he can count on additional funds. Also, the maximum payment is often given to those who have suffered serious injuries. This must be stated in the text of the application.

All health expenses cannot exceed the maximum payment of 500 thousand rubles . When determining the amount of compensation, the insurance company relies on the standards established by law. If compensation is due to several persons, for example, a mother and children, then the insurance payment will be divided into equal parts.

In the event of the death of the victim

If the victim died in a car accident, the MTPL policy provides for a maximum payment of 475 thousand rubles. , which the beneficiary will receive (the list of persons is established at the legislative level), and 25 thousand rubles. will be used to organize the funeral.

In case of drawing up the Europrotocol

If the accident is registered according to the European Protocol, then the maximum payment amount will be 100 thousand rubles. From October 1, 2019, the maximum amount of compensation may be increased to 400 thousand rubles.

To do this, you need to fulfill 2 conditions:

The opinions of the participants in the accident must agree on the details of the accident; there should be no disagreement in the list of external damage to the car.
Drivers recorded data on the accident through the mobile special application “Accident Europrotocol”.

ATTENTION! When drawing up a European protocol, each driver involved in an accident must have a compulsory motor liability insurance policy.

With mutual guilt

Cases of mutual fault are regulated in the law on compulsory motor liability insurance. The document states that in such situations, compensation is awarded after the court determines the degree of guilt of the persons. There is a clarification in this paragraph: if the degree of guilt could not be established, then the insurance company pays money to each driver in equal shares.

What is a unified methodology for determining the cost of restoration repairs?

EMRU is a specialized technique that allows you to calculate insurance compensation. The unified methodology includes documents that represent separate assessments, algorithms and materials. With their help, the exact damage that a person received in an accident is determined, after which the amount for further restoration is calculated.

The emergence of the EMRU system allowed:

reduce the burden on the judiciary;
improve the quality of work between policyholders and insurers;
minimize disputes in expert assessments;
establish the commercial operation of OSAGO;
reduce the time for paying compensation after an incident;
to bring the domestic motor vehicle system closer to the Western level.

Most of the EMRU is occupied by various formulas and documents. Among them:

Federal Law No. 432-P. Includes regulatory documents that allow you to assign the exact amount of compensation to the car owner.
Federal Law No. 433-P. Additional rules that are responsible for the correctness of the independent examination, as well as a document that allows you to establish the details of the accident and assess the damage.
BCZ. This is an electronic database that contains information about the cost of many spare parts for all kinds of vehicles.

Where is it used?

EMRU has been widely used by many legal entities and individuals. They resort to her help:

all auto insurance companies;
some individual specialists;
assessment organizations that have successfully completed certification;
technical experts with certification;
insurance company employees who work with damaged cars;
auto experts who perform forensic examinations.

Before the advent of a unified methodology, damage assessments, as well as damage reports, were carried out by ordinary vehicle technicians from an insurance company. Today, only a specially trained person with certification and registration in the register of technical specialists is allowed to do this work.

Let's celebrate! The work is considered especially responsible, so a person who has at least 1 year of experience in the automotive technical field, with a higher education, and after completing auto expert training courses is allowed to take on it. Then, every 5 years, the employee undergoes qualification courses.

Method structure

The list of methodology structures includes basic terms, algorithms for calculations, formulas, reference data and rules for drawing up documents.

All this helps in setting insurance benefits. For accurate calculations, the structure includes information about the main cars that can be found in Russia, and the database is regularly updated.

The methodology includes the following components:

There are 7 main sections, they talk about the intricacies of calculating compensation under compulsory motor liability insurance.
10 applications contain additional information (coefficient values, some correction details, car mileage per year, etc.)
large electronic database with the cost of vehicle parts.

When can you use the methodology for calculating damage under compulsory motor liability insurance?

This technique can be used in their work:

various insurance companies, as well as representatives who inspect the scene of the accident, as well as the vehicle;
expert organizations;
private experts, subject to license and certification;
forensic experts.

Wear and tear accounting

To determine the amount of damage caused to a vehicle, the following indicators are used:

expenses that are necessary to repair the car;
a list of materials that will be spent on restoration;
the amount required to purchase spare parts that were damaged;
additional costs for vehicle repairs.
the above factors are summed up and the total cost of restoring the vehicle is obtained;
According to the rules, the amount received is rounded up from hundreds of rubles.

Odds

The description of the methodology includes the presence of various coefficients that are necessary to calculate the amount of damage.

The coefficients are indicated in Appendix 6 and 9:

ΔL and ΔT - with their help they determine the service life of the vehicle and the effect on wear;
Appendix 6 lists coefficients for calculating additional wear for various parts;
the Kv coefficient determines the duration of use of the vehicle, as well as the date of its damage. Located in Appendix 9.

Note! These values play a special role and are most often used; in addition to them, there are many other coefficients for various cases.

How is the calculation done?

The calculation is made taking into account the following factors:

Condition of parts and elements, their wear.
Economic zone of the region.
The cause of damage is taken into account.
The brand of the vehicle plays a significant role.

Who receives payment under compulsory motor liability insurance and how?

Compensation is assigned to those citizens who were included in the MTPL policy and participated in the insured event. To receive the maximum payment, you must contact the insurance company, providing a document from the traffic police and a car.

There are situations when you cannot receive an amount for damage caused:

if a citizen who is not included in the policy was involved in an accident;
if the amount of compensation exceeds 400 thousand rubles;
if the culprit of the accident was a driving school student, and the incident occurred on the territory of the training ground.

Accruals are assigned under the compulsory motor liability insurance of the participant in the accident who is considered the guilty party.

Independent examination after an accident

To determine the amount of payment, the company appoints a technical examination within 5 days after the victim submits the application.

The examination is carried out under general agreements (time and place are specified) that satisfy both the victim and the expert.

From August 24, 2021, the injured party is required to agree on the details with the expert at least 3 days before the procedure itself.

Documents for receiving payment

The victim must provide the following documents to the insurance company:

the applicant's civil passport;
driver license;
vehicle registration document;
insurance;
application for payment in accordance with the agreement (completed sample);
notification of an accident;
examination report;
documents confirming the expenses of the car owner.

The decision on the final list of documents is made by the insurance company.

Deadlines for submitting an application to the insurer

An insurance claim must be submitted within 5 days of the accident. In this case, the policy must be valid for at least 1 year.

Damage payment period

Payment under compulsory motor liability insurance is provided within 20 days (holidays are not taken into account). During this period, an assessment of the damage that occurred due to the accident must be carried out.

If the insurance company delays payment under compulsory motor liability insurance, then the claim should be sent to the insurers in writing. The injured party has the right to demand compensation for the penalty: 1% of the total amount for each day of delay.

RSA damage calculator

RSA uses a special calculator to determine the amount of damage. This is an online service that automatically calculates the amount of damage. Only insurance companies can use this service.

But how to calculate losses for ordinary motorists? It will be difficult to calculate the damage yourself. Because you need to use a lot of formulas and calculations. You will also need special reference materials.

But motorists can use online services. Such sites allow users to make payments online. You can find such a service using a search engine. To do this, the user needs to enter “Online calculator” in the search bar. After this, you need to select any online service.

What services allow you to calculate the amount of losses after an accident. The following information is regularly updated:

cost of car parts;
cost of service stations;
vehicle brands;
cost of work of various technical specialists;
other information.

All damage calculators work using the PCA method. Therefore, the calculator calculates the exact amount of losses. Why does a motorist need to independently calculate the exact amount of damage after an accident? In order to know what he can claim.

An unscrupulous insurance company may deliberately reduce the amount of insurance payments. In this case, the motorist will not have enough money to repair the vehicle.

Note! If the car owner finds out that the insurance company deliberately reduced the amount of payments, then he will be able to file an appropriate application in court to assert his rights. If he manages to win the case, then the insurance company will pay the full amount of the benefits.

Who calculates losses and how?

Insurance companies calculate losses. They do this to determine the amount of payments. To determine the amount of payments, so-called machine wear rates are used.

What coefficients apply?

The first and most important is the coefficient of physical wear and tear of the machine. When calculating payments, the wear and tear of the car is taken into account. How to determine the wear of a machine? Car depreciation is calculated using a special method. After this, the coefficient of physical wear and tear of the machine is determined. The insurance company needs such information to determine the amount of payments.
Physical wear and tear is only used for vehicles under 7 years old. Physical wear and tear reflects the loss of value of the vehicle.
Functional wear. Functional wear and tear is only used for vehicles that are no longer in production. Functional wear and tear also reflects the loss of value of the machine.

Now let’s look at the procedure for assessing damage after an accident. The examination is carried out as a result of an accident.

How it is carried out:

First, specialists inspect the car. Specialists conduct an inspection within several hours. After the procedure, a special inspection report is drawn up. Experts determine the cause of the accident and also describe the damage to the vehicles. At the same time, all damage is recorded.
After this, a damage assessment is carried out. The results of the examination are indicated in a special report. The appraiser must sign the report.
The documents are sent to the insurance company.

General principles for calculating damage from road accidents under compulsory motor liability insurance

According to many experts, a single methodology is imperfect. However, it is used to calculate damage from road accidents. RSA representatives will update (modernize) the methodology in the near future.

Let's consider the principles of calculating damage from an accident:

First you need to calculate the total amount.
Wear and tear on the vehicle must be taken into account.
A complete list of spare parts for the car is recorded.
The economic zone is taken into account.
Depreciation is not charged on some vehicle safety features.

How to find out the average market price of spare parts through RCA?

Many drivers got into accidents. Therefore, they know that in order to receive insurance payments it is necessary to make a calculation. It is carried out by the insurance company. It is carried out in accordance with the law.

In this case, the motorist does not participate in this procedure. This means that the insurance company can mislead the client. That is, pay a much smaller amount. But such a situation can be excluded. Before this, you need to use special online services.

You can find out the cost of spare parts in two ways:

Use third-party services. There are a large number of different services on the Internet. Using them, you can find out the average market cost of spare parts for a vehicle.
Use the RSA service.

A more reliable way is to use the PCA service. How to find out the average cost of spare parts on this site:

First you need to go to the RSA website.
After this, you need to go to the “information on the average cost of spare parts for cars” section. Finding this section will not be difficult.
The following values must be entered into the appropriate form: car part number; vehicle make; place of registration; date of.
Next, you need to confirm the site’s security code and click on “Send request”.

Let's celebrate! If you entered the values of all parameters correctly, then the average market price of car parts will be displayed on the screen.

The methodology is used to determine the amount of payments. All insurers must follow this procedure. You can calculate losses using special calculators. Special services allow you to find out the average cost of car parts.

Didn't find the answer to your question? Find out how to solve exactly your problem - call right now: +7 (Moscow) +7 (812) 309-53-42 (St. Petersburg) It's fast and free!

What to do if you are not satisfied with the amount of payment under compulsory motor insurance

It may seem to the driver that the amount of payment under compulsory motor liability insurance is deliberately underestimated; in such a situation, the injured party has the right to request the results of the examination, which was carried out by the insurance company.

If a discrepancy is noticed , you must seek an independent examination yourself. Its results will serve as proof that the assigned compensation cannot cover the repair work as much as possible.

The next step: an attempt to solve the problem peacefully; for this, a pre-trial claim is drawn up. This should be done within 20 days after the insurance company pays the underestimated amount to the victim.

If the decision was not made in favor of the injured party, you need to go to court. It is recommended to use the help of a traffic lawyer.

Compensation for road accidents

Payments under a compulsory motor third party liability insurance policy purchased from an insurance company are only possible if certain special conditions are met:

another car was damaged as a result of a traffic accident;
property of another driver was damaged: cargo/luggage;
damage was caused to road infrastructure (signs, traffic lights, fences, utilities);
the health of drivers or passengers is harmed.

All of the above cases are insured; this list is fixed by the legislation in force in the Russian Federation. Only if a situation arises from the above listed is it possible to receive monetary compensation.

Payments as a result of a traffic accident can be of two types:

straight;
indirect.

This point is regulated by Article No. 14.1 of the Federal Law “On Compulsory Motor Liability Insurance”. Direct payments mean compensation paid to the victim by his own insurance company.

But for this the following conditions must be met:

no more than 2 drivers are involved in the accident;
All participants have a valid compulsory motor liability insurance policy.

Direct payments mean compensation for harm by the insurance company of the at-fault party on behalf of the insurance company of the innocent party.

The following factors influence the amount of payment:

causing harm to the health of participants in an accident;
More than 2 vehicles were damaged.

If they exist, direct reimbursement is not possible. The case is settled in an alternative manner, the amount of payments and the parties making them are determined in each case individually.

Conclusion

Receiving the maximum amount under compulsory motor liability insurance in 2021 is a real option. The amount of payment depends on how and who was injured in an accident on the road.

It is important to be aware of your own rights and act correctly. You should take every stage of communication with the insurance company as seriously as possible. Carefully collect the required package of documents, including the evidence base. This will allow you not to get confused if problems arise, but to seek help from the court.

Required documents

To receive payment on time, you must provide the following documents to the insurance company:

a notarized copy of an identity document (passport, driver’s license);
a document containing bank details for transferring funds;
certificate of an accident (original, taken from the traffic police);
a copy of the protocol on the administrative offense;
original vehicle registration certificate;
vehicle passport;
documents confirming ownership of the car;
original MTPL policy.

Information about an accident.

If an independent examination has been carried out, the policyholder is obliged to provide originals or certified copies of payment documents.

Otherwise, the examination will not be considered valid. Drivers involved in an accident should remember that the list of documents provided is fixed at the legislative level.

That is why the insurance company has no right to demand any other papers not included in the list of mandatory ones.

Despite the occurrence of cases of incorrect assessment of damage received by a car in an accident, clients, by and large, are satisfied. It is one of the most popular in Russia. Most rating agencies rightly assign this insurance company the maximum reliability rating.

How to calculate the cost of OSAGO in the Sogaz company, see the article: OSAGO Sogaz. You can find out the price for technical inspection for OSAGO here.

Find information on how to renew your MTPL policy at Rosgosstrakh on this page.