It is calculated by the insurer when the injured party contacts him. Depending on the situation, the amount of the payment is able to cover the repair work in full or only in part. When calculating payments under OSAGO, the results of the examination of damages, as well as the wear and tear of the car and its individual parts, are taken into account.
When assessing damage to a car, it is taken into account first of all. It is he who has the maximum impact on the change in the cost of repairs. So for a new car that has been driven for less than a year, almost 100% compensation will be paid.
If the car has been driven for several years, then the insurance payment will be much lower. The older the car, the more wear and tear. Drivers are protected by the fact that the maximum value of this parameter is prescribed in the law - 50%. That's why Insurance Company can reduce the payment to only half of the due amount.
Insurance indemnity for OSAGO can be increased if you keep checks and receipts for the installed parts. For example, if the car is manufactured in 2007, and the affected headlights were delivered this year, then depreciation is not taken into account for them.
The assessment of the amount of compensation for insurance is carried out with the help of auto technical expertise. Experts establish all hidden and visible damage, conditions and causes of an accident, analyze road conditions and other parameters. As a result, a complete picture of the accident is formed, conclusions are drawn up on controversial issues, and the amount of damage in an accident is established.
When assessing damages, many insurance companies tend to hide some damage and underestimate the amount of payments. You can dispute the result of the examination by a specialist from the insurance company by contacting independent experts. They will conduct an examination of the damage and prepare their conclusions about its damage.
In January 2019, significant changes were made to .
Now the priority over the insurance payment has a restoration repair. An accident victim can receive monetary compensation in the following cases:
Given that this year will be introduced, making repairs a priority type of compensation, drivers will want to check the integrity of their insurance company. You can use insurance reimbursement amounts. It contains information on the cost of parts in the region, standard hours and other parameters used in the calculation by insurers.
It should be noted that special care should be taken when checking the results of the examination in case of an accident, starting from 2017. The almost complete disappearance of in-kind compensation for damage under OSAGO will make it impossible to repair without additional costs if hidden damage is discovered in the process.
Compensation for damages is limited to the maximum amounts of payments. The following values are currently set:
In addition, compensation for damage was increased at. Starting in 2014, when registering an accident without calling the traffic police, you can get up to 50,000 rubles.
For the metropolitan area, a special rule regarding the Europrotocol applies. The amount of the penalty for it can reach 400,000 rubles, but only if the cars have a certified DVR. The device must be able to record video, record the speed and direction of movement, coordinates and automatically transmit information about the accident in the event of a collision.
The insurance indemnity is not limited to damages sustained by the vehicle. If people were injured in an accident, the insurance company will pay for their treatment and issue appropriate compensation.
The amount of the payment depends on many parameters - including the complexity of the injury, the surgeries and medical interventions.
According to OSAGO, the amount of payment for damage to health is estimated at a maximum of 500,000 rubles. The maximum amount is given to children who have received a disability, and adults who have been given a disability of 1 degree.
Victims who have received disability of 2 and 3 degrees can count on compensation of 350,000 and 250,000 rubles.
The amount of OSAGO damage in case of death is calculated separately. In this case, the beneficiaries receive 475,000 rubles. Another 25,000 rubles is given to a person who undertakes the burial of a deceased person.
If all participants in the accident have valid policies, then the procedure is reduced to contacting your insurance company. Within 20 days from the date of submission of documents, she will have to prepare all the necessary information, inspect the car and make a payment.
In case of delay in payment, a pre-trial claim must be filed. If it is not satisfied within 5 working days, the insured person may apply to the court with statement of claim. After a positive decision is made, the plaintiff receives not only the money due, but also additional amount for each day of delay.
Recovery of damages from the perpetrator of an accident without insurance policy much more difficult. The whole procedure is carried out through the court. Money is collected directly from the guilty party, so the speed of payments depends on its property and funds in the accounts.
When a situation arises when it becomes necessary to calculate the amount of compensation for damage caused to a car, many drivers do not know how to do it correctly. It is necessary to calculate the damage under OSAGOusing a special calculator that will calculate the amount of payment to the driver.
The unified calculation method includes a large list of nuances, based on which it becomes possible to find out the most accurate data on the damage caused to the car, as well as the degree of driver involvement in this incident. This list includes taking into account the type of driving of the driver, the presence of any signs on the roads (for non-compliance with them by the driver), meteorological conditions, the condition of the road on which the car was traveling, external factors such as other cars, animals, the condition of the car at the time of the accident, in respect of which the damage is calculated, the study of the information of the situation.
Any motorist who feels the need to calculate damage can use this technique.
The amount that the insurance company pays to the driver depends on many factors. These include the general wear and tear of vehicles. Depending on the degree of wear (age of the car), the insurance company may reduce the amount of the payment by no more than 50% of the amount due, in accordance with applicable laws.
In addition to the general wear of the car, the degree of wear of its individual parts is taken into account. In order to increase the amount of compensation, it is necessary to keep checks and receipts for purchased and installed parts.
Eg, if the car itself was produced in 2006, and any part of it was purchased and installed this year, the wear of this part is not taken into account in calculating the amount of compensation. In addition, an important role is played by all the nuances of the accident, the causes of occurrence, the situation at the time of the accident. The degree of guilt of the driver in the current situation. In addition, an important role is played by the degree of wear and condition of the road on which the car was driving.
To calculate the amount of damage received by the car, you must use a special calculator. It is based on such nuances as a constantly updated database of prices for spare parts of vehicles, the price for 1 hour of work at a technical station. service. However, the resulting figure will not be 100% true, since the calculation is based only on damaged parts (visible damage).
For a more accurate amount, you need carry out a full inspection of the car.
There are cases when insurance companies, having calculated the amount of compensation to the driver, underestimate it. In such cases you need to contact independent experts(companies) for a full examination of the car. At the same time, it is necessary to keep all documents related to the accident, such as a receipt for payment and others. Then, you need to draw up a statement that will indicate and justify disagreement with the decision of the insurance company regarding the amount of payment for an insured event.
As evidence, it is necessary to refer to the results of a full examination of the car by independent experts. The completed application must be sent to the name of the insurance company, this can be done in two ways, make an application in writing (print) and come to the company's office, or send a scan of the application to the company's official email address. After that, it remains only to wait for the decision of specialists.
If, after the application and the recalculation, the amount remains the same, or has changed, but still does not cover the full costs of restoring the car, it is necessary go to court.
When applying, you must attach all available documents on the accident, calculation and recalculation of the amount by the insurance company, a certificate of a full examination of the car by independent experts, a copy or original of the application that were sent in order to recalculate the amount of payment.
To calculate the amount required to restore the car, replace any of its parts, you need to use a special calculator, such is available on the official website of the Russian Union of Motor Insurers (RSA).
The following formula is used for calculations:
When calculating these indicators, the average market cost of parts, materials and repair work. The maximum degree of deviation from the average market value can be no more than 10%.
The values for the formulas are taken specifically for each economic zone, from reference books.
Look spare parts prices You can visit the official website of the PCA at the link: prices.autoins.ru/priceAutoParts/repair_parts.html.
To obtain more accurate information that will affect the amount of payment by the insurance company, it is necessary to use specialized calculators, in some cases, use the services of independent experts to fully assess the condition of the car.
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When operating a car, one of the mandatory measures of insurance protection is the issuance of an OSAGO policy. Every car owner should know how the OSAGO payment is calculated in order to understand what the amount of compensation will be after an accident. After receiving compensation, it is imperative to check whether the payment complies with applicable legal standards.
The rules for determining compensation are regulated by several federal laws and accepted standards, and the final amount is based on the results of an expert assessment of damage.
The concept of damage under OSAGO includes determining the amount of necessary compensation, which will be calculated taking into account the degree of wear and tear, the cost of material, spare parts and the cost of repair and restoration work.
Each calculation of damage must be based on the information from the inspection report. 
The driver who is about to receive insurance compensation, it is recommended to make a copy of this act in case, in the process of resolving the issue of the amount, another valuation expert will have to be involved.
The law gives the authority to draw up compensation calculations to the following persons:
In any case, only a specialist who has the right to conduct an assessment on legal grounds can calculate the payment.
To find out the amount of OSAGO payments, you will need to determine the amount of damage caused, taking into account the following standards:
Thus, the full amount of the payment will include the cost of components, parts, new units (instead of those that cannot be restored) and the work of auto repairmen.
The determination of the amount of compensation at the place and time of the accident, as well as compliance with the current market prices, is carried out according to information from the RSA directories.
The amount of damage can be determined by the motorist free of charge, thanks to the use of a specialized online resource of the PCA.
You can independently calculate the actual amount of damage by entering the information about the car and the incident required for calculations, that is, on the basis of an inspection report. A special OSAGO calculator will allow you to quickly calculate the damage and approximate future compensation that a motorist can hope for. 
Calculator is based on up-to-date information on the price of spare parts, assemblies, assemblies, taking into account a specific brand of car, as well as the level of hourly wages of a car service worker. It is the results obtained that should be close to those that the insurance company will appoint.
Working with the calculator allows you to automatically determine the damage in case of an accident if the following parameters are known:
Working with the calculator will require knowledge of certain nuances of how to calculate damage after an accident. Thus, such an indicator as the quality of purchased spare parts and the material used, as well as the individual need for additional tuning of components, does not participate in the automated calculation.
Online calculations do not take into account the degree of wear of the car, which will not allow you to accurately determine the amount of damage caused.
The main purpose of the Internet service is the ability to check for compliance of the payment made by the insurer with the real amount, which, according to the law, the motorist is entitled to count on in the framework of motor third party liability insurance. 
Having found significant discrepancies with the amount actually calculated in the UK, the driver can go to court. Such civil cases are often considered in favor of the plaintiff, if he can convincingly state the claim, confirming his words with documents: a certificate from the accident site, a protocol, the results of an independent examination.
Payments in case of an accident under OSAGO rarely correspond to the real costs of the driver. As a rule, insurance companies calculate costs in the direction of underestimating real prices. If such a situation has already occurred, and the amount of compensation is far from reality, we boldly assess the damage from an independent expert and apply to the court for a fair decision.
A traffic accident is a terribly unpleasant event. It is associated not only with damage to the car and harm to people's health, but also with the red tape associated with obtaining insurance. Many car owners, who do not really delve into the intricacies of receiving payments due, experience serious difficulties in the implementation of the procedure. But if you know the whole order and take into account some of the nuances, then insurance payments will be received as quickly as possible and without unnecessary problems.
The traffic accident must be recorded. To do this, it is necessary to call, first of all, traffic police officers who will draw up an appropriate protocol. In the event of a serious accident, as a rule, representatives of the investigating authorities come and draw up their own report on the inspection of the scene, as well as take photographs.
To contact the insurance company, you can ask to make a copy of the protocols and pictures, which will be the best evidence of the incident. If possible, be sure to take your own photos from different angles. Recordings from car recorders or surveillance cameras will also be an excellent help (copies of the latter can be requested from the traffic police).
According to clause 3.10 of the Regulations, in general order you need to provide the following papers:
If it is necessary to confirm additional facts that affect the amount of the amount paid, you must also provide the relevant documents (for example, to confirm the death of the victim, you must provide a death certificate).
The listed documents are submitted to the insurance company, which is indicated in the OSAGO contract. The most reliable option for filing is directly to the office of the insurer. Depending on the organization, you can either sign up, or leave an application, or, on a first-come, first-served basis, provide the employee responsible for OSAGO payments with all the papers. The regulation on OSAGO rules allows victims to submit documents by mail or electronically. These methods can be much more convenient, but they do not guarantee one hundred percent transfer of documents, since letters tend to get lost for a variety of reasons. In addition, if all copies are provided by mail or electronically, it will still be necessary to contact the insurance company with the originals.
The terms within which the insurance company must respond to the victim's application for the payment of sums insured are clearly indicated in the Regulations on OSAGO Rules. According to clause 4.22, as a general rule, the insurer is obliged to consider the application and send a response to it within 20 days. In the event that the insurance company agrees to direct payment for repairs, the response time increases to 30 days. In this case, calendar days are taken into account, that is, together with weekends, with the exception of public holidays. The insurer's response usually contains either consent to payment or refusal. However, the insurance company may also propose changes or comments to the proposed conditions. In this case, additional documents are attached to the answer (in particular, the results of an expert assessment of damage). Usually such situations are regulated in direct communication between the insurer and the insured.
Amount to be paid upon occurrence insured event can in several ways:
It is important to note that the payment of funds for harm to health or life under OSAGO does not affect the receipt of amounts due for personal insurance.
According to paragraphs. "b" Art. 7 Federal Law "On OSAGO", maximum size the amount paid may not exceed 400 thousand rubles. This provision applies to cases of both total loss of the car and partial damage. In the first situation, the amount of the payment is established in accordance with par. 2 clause 4.15 of the Regulations and is equal to the actual value of the vehicle at the time of the occurrence of the insured event, minus the cost of usable residues. In case of partial damage to the car, the amount of payment is equal to the cost of a complete repair, while taking into account the average cost of restoration work in the region. An exception is the presence in the contract of a clause on compensation for harm in kind. If it is necessary to replace worn parts, they are charged no more than 50% of the nominal value.
As for compensation for harm to health, according to paragraphs. "a" Art. 7 of the Federal Law "On OSAGO", the maximum amount of payment cannot exceed 500 thousand rubles. The specific amount of the amount is set in accordance with the severity of the harm caused, as well as its consequences (various degrees of disability and legal capacity).
If the victim does not agree with the amount of payment, in accordance with paragraph 5.1 of the Regulations, he can submit a claim to the insurance company. It should contain calculations, as well as other evidence of one's own position. Disputes may arise in the following situations:
Out-of-court settlement of disagreements does not always lead to fruitful results, therefore disputes most often end in the organs of justice.
The insurance company has the full right not to pay insurance compensation only in certain cases. The grounds established by clause 5.2 of the Regulations include the following situations:
In addition, the insurer may refuse in cases of the so-called insurance risk. According to part 2 of Art. 6 of the Federal Law "On OSAGO", it occurs in the following situations:
If the existence of these grounds is disputed by the victim, it is necessary to file a claim with the insurance company first. In case of dissatisfaction, there is only one way out - litigation.
Recourse is the claim of the insurer to the person who became the culprit of the accident. The citizen who caused the harm is not obliged to compensate the damage to the insurance company on his own, since this requires an appeal from the organization.
Part 1 of Article 1081 of the Civil Code of the Russian Federation:
The grounds on which the insurance company has the right to recourse are specified in Part 1 of Art. 14 Federal Law "On OSAGO":
Insurance indemnity is not always easily and without questions paid to the insured. The insurance company may underestimate payments, refuse to transfer them to the victim, delay the process of transferring or repairing the car. In all these cases, a claim is filed first, but if it is not satisfied, the case is resolved in district court location of the insurance company.
To apply to the judiciary, you must submit the following package of documents:
The insurance company always has a qualified lawyer, so the victim should also take care of the services of a professional lawyer. If the court made a decision in favor of the plaintiff, a copy of it is sent to the insurer, who must perform this or that action within the time period set by the judge.
In Russia, for 15 years now, there has been a mandatory OSAGO auto insurance system, which is regulated by Federal Law No. 40-FZ of April 25, 2002. In 2017-2019 in that normative act changes were made that affected the terms and amounts of damage payments for damages under insurance after an accident, as well as other significant nuances. This article describes the procedure for compensatory payments for OSAGO, taking into account changes in 40-FZ ..
In practice, insurance companies do not always pay out insurance. Refusal to pay OSAGO in case of an accident may be in the following cases:
Also, the insurance company may refuse compensation if an incomplete package of documents is submitted or if they are identified.
Damage to the victim is paid by the insurance company of the culprit. A participant in an accident can also apply to his insurance company for compensation under the PES. The sum insured to be paid may not exceed the amounts established by law. If the damage exceeds these payments, the victim can go to court and recover the remaining funds from the culprit.
At the same time, it is necessary to figure out who will receive the payments - the insured or the owner of the car, if these are different people. The legal framework provides for situations where the owner and the policyholder are different persons. Moreover, the contract even provides for separate columns for them.
The insured is the person who pays for the policy, he must be recorded as a driver. But, regardless of who pays the insurance, payments are due to the owner of the car. The insured can receive it only if available from the owner.
Insurance companies recognize two situations under the total loss of a car:
If the car after an accident cannot be restored, the insurer will pay its cost at the time of the accident, but within the limits established by 40-FZ. There are a number of features in such an insured event:
The complete destruction of the vehicle can only be established by an expert after inspection. During the examination, the specialist notes all damage and estimates the cost of repairs, this information is necessarily reflected in the expert's opinion. At the next stage, the car market is studied and the cost of the car is determined. The resulting figures are compared and a conclusion is made.
The examination must be carried out within 5 days after the submission required documents. If the owner independently repaired the car before the examination, the insurance company may refuse to pay.
Insurance payments to passengers as a result of a car accident include the following components:
All expenses must be documented by the victim. It is recommended to fix the deadline for the transfer of documents to the insurance company and keep copies of them for yourself. Also, the victim must provide documents on the accident (certificate, protocol, resolutions), a salary certificate and an application. The deadline is 5 days from the date of the accident. However, if there are good reasons (for example, being in the hospital after an accident), the period may be extended.
Compensation for lost earnings is considered as an additional cost and is calculated as the difference between salary, which could be received by the victim during the period of incapacity for work, and the cost of treatment. If the salary is higher, an additional payment is made. For example, during the period of disability, the victim was supposed to receive an income in the amount of 45,000 rubles, insurance payments for treatment amounted to 17,500 rubles. So 27,500 rubles. the insurer must additionally pay the person as compensation for lost earnings.
