Experienced drivers are well aware that the amount thatthey need to pay for CTP insurance policy, depends on their length of service, as well as trouble-free driving. The price for the policy is considered taking into account the coefficient of the bonus-malus. We will learn how to recognize your MSC for OSAGO.
What is MSC
The coefficient serves to encourage driversobserving the rules and driving without accidents. They receive discounts when you make a policy. For each year of driving without an accident, the driver's ratio decreases, due to which, and for the policy you have to pay less.
Previously, it was assigned to a specific machine, and when itThe sale discount was lost. However, in 2008, changes were made according to which the MSC belongs to the driver himself, regardless of which vehicle he drives. The discount is maintained even if the driver decides to be serviced at another insurance company.
Однако она снижается или совсем обнуляется и даже leaves in a minus, if after the accident the driver applies for payment. The amount of reduction depends on the class that was assigned to the driver before the accident.
It is often more convenient and more profitable to settle a minor accident on the spot, without causing traffic police officers. Then, of course, the cost of the policy of the perpetrator of the accident will not increase.
How to know your MSC for OSAGO
If the driver wants to know what his KBM is and how it changes, you need to use a special table. In general, in the first year, he is assigned a third grade equal to a unit of KBM.
If this year there are accidents in which he would bethe culprit, did not happen, then next year he gets the fourth grade, and the MSC will decrease by 5%. But if the accident does happen, the class will be second, and the MSC will increase to 1.4, that is, the cost of the policy will increase by 40%.
Thanks to driving without crashes, a 5% discount will be assigned each year until it reaches 50%.
Table OSAGO
The coefficient is easily determined by this special table, which is the same for all ICs. For this, it is enough to know the class of the driver.
Take for example the third class.On it in the next column we see the unit. This is KBM. The following year, the driver gets the fourth class, which corresponds to a coefficient of 0.95. So it looks further. Other columns show which class will be assigned in the future if an accident occurs.
Independent calculation
Another way to find out your CME on OSAGO, -This is an independent calculation. Consider the example of the same driver who first got behind the wheel. If he does not get into an accident within three years, then in the fourth year of driving his discount will be 15%. However, in the case of an accident, of which he becomes the culprit, his class will no longer be the 7th, which corresponds to a 15 percent discount, but only the fourth.
If the table is at hand, it is easy to see. But even without it, it is also possible to count KBM.
KBM with insurance with several drivers
How to find out your MSC for OSAGO, if to managecar allowed a few people? It is very simple. The coefficient that has the highest value of all is used. For example, one driver of KBM - 35%, and the other - only 15%. Then the cost will be calculated based on a 15% discount.
If one of the drivers has an accident,the culprit of which becomes, and another drive-through year is trouble-free, then the MSC will grow only at the driver - the culprit of the accident. The other will receive a 5% discount.
How to know your MSC OSAGO on the basis of RSA
RSA, or Russian Union of Motor Insurersis an organization-community of insurers. Union helps car owners on many issues. An important role is given to informing drivers. So, on the official website there is a lot of information of practical interest and benefit.
RSA maintains a single base for KBM. Having come out on it, it is easy to recognize your MSC on OSAGO in PCA.
This information is available both legal andindividuals. For individuals, it is enough to enter your driver's license. And if the CTP is issued without limiting the list of drivers, then you will also need a passport of the car owner and PTS.
The same is true of KBM. It is easy to check MSC OSAGO against the PCA database for legal entities. To do this, simply enter the company TIN and the necessary documents for the car.
Is it possible to correct the data in the PCA database for MSC?
Check MSC OSAGO on the base of PCA, supposesucceeded. But there may be another problem. It happens that on the site the system gives out such a coefficient that does not correspond to reality. For example, the policyholder receives a KBM equal to one, while he travels by car without accidents for many years.
The reasons why this happens can be the following.
If a driver has been replacedIdentity cards may not have corrected the data, but left those that were on the old document. To achieve the correct display of information, you should write about this request in the PCA with attachments of copies of the new and old identities. It happens that when entering data made a mistake.
This can be found when the driver's nameAppears on several policies at once. For example, Ivanov, who has the 11th class and is driving his car, is also allowed to drive his spouse. And in the latter, the coefficient is only 0.95, which corresponds to the 4th grade. Thus, when transferring data, its coefficient will be displayed as 0.95.
And another reason, when the MSC drivers for the AIS PCA database for OSAGO may not appear in the database, is the bankruptcy of the UK.
How to save a discount
So, we found out how to recognize your MSC on OSAGO on the PCA website. Suppose that your own calculations do not coincide with those figures that are on the site. How to be in this case?
The PCA should write a claim that the presentthe coefficient value is different from that on the site, and to reason this information. Copies of the policy and a certificate from the UK about the fact that for a certain number of years the ride was trouble-free are applied to the claim
При ошибке полис, действие которого закончено, no need to throw away. After all, there is displayed information corresponding to reality. It does not make sense to prove anything to an insurance agent or to make a phone call. It is better to immediately contact the main office of the company by writing the appropriate complaint. When you send a complaint, save a receipt that will be proof of payment.
And if you decide to submit the application to the company in person, then make it in two copies, so that one of them will give you a mark of acceptance.
If within two weeks neither documents nor a refund has been made, you can safely go to the instance above and seek justice.
So the question is "how do you know your CME on OSAGO in PCA?" it is important not only for the sake of mere curiosity, but in order to be sure that the calculation of the next policy will be correct.
