auto experts – about the postponement of OSAGO for refugees from the LDNR and from Ukraine

The State Duma approved the bill permissive Refugees from Ukraine and the partially recognized Lugansk and Donetsk People’s Republics should not buy OSAGO policies for three months after entering Russia in 2022. In the event of an accident due to the fault of a visitor, the losses to the injured party are compensated by the Russian Union of Motor Insurers (RSA). Auto experts interviewed by RTVI believe that the initiative could attract the attention of scammers.

Auto lawyer, founder of the Avtolikbez company Dmitry Slavnov

Until this document is signed, this is just talk. When it is approved, it can lead to the fact that scammers will take advantage of the situation, who will register and receive payments. Now, in the event of an accident, the insurance company pays for repairs. And the scammers left this market, because it is not interesting to repair the same car ten times.

Therefore, if the repair of refugees who got into an accident will be paid by the insurance, then this is one thing. If the money is given [для оплаты ремонта]then there is already a risk of running into scammers.

Let’s say we collided with cars. Under the OSAGO policy, cars will be sent for repair. But due to problems with logistics and a shortage of spare parts, they can offer money [вместо ремонта]. And when they offer money, then scammers will appear.

It is clear that the initiative will be a burden on the budget. In my opinion, it was necessary to act a little differently and make a discount for these three months, for example, in the amount of 50%. Believe me, the boundaries of these three months are very easily erased, and as a result, a person will simply get fined. In the case of a discount, refugees would understand when their grace period ends. In addition, in fact, they can endanger others for three months, especially if the drivers are young, without experience.

Petr Shkumatov, coordinator of the Blue Buckets Society movement

The initiative is generally correct, because a fairly large number of people crossed the border into Russia from Ukraine in their own cars, and not only. When they get into an accident, a problem arises. The refugees, who are already in distress, have additional expenses, and the Russians, even if they sue, end up with a wrecked car and very vague prospects for compensation. This is all a wrong story, but the decision is generally correct, and probably the only one.

But I emphasize that this measure should be of a temporary nature, and not be a permanent practice. Three months is quite enough time to develop normal working mechanisms that will allow people with refugee status to purchase insurance products, the same OSAGO.

But, of course, any initiative has a downside. In this case, scammers can connect. For example, a scheme that actually lies on the surface: a car with LNR or DNR numbers is taken and an announcement is hung up: “Repair of your car is free.” Further, with the help of this car, various fake accidents are organized, for example, 100 cars with Russian numbers were smashed on it. And all this will be repaired at the expense of insurers.

I think there should be some restrictions here. For example, set a limit of two accidents. That is, if the car has an accident for the third time, the insurers are no longer responsible. After all, even two accidents is a lot, especially if before that the car drove without incident. Therefore, I am even slightly surprised by the calmness of insurers, especially against the backdrop of problems with the supply of spare parts. There are enough scams here.

How the authorities propose to solve the problem with auto insurance for refugees

The State Duma adopted in the third reading a document allowing refugees from the LDNR and Ukraine not to issue OSAGO policies within three months after entering Russia in 2022. If the accident occurred due to the fault of the visitor before January 1, 2023, then it is paid by the PCA.

Initially, it was assumed that the costs would be borne by the Pension Fund of Russia, writes “Kommersant”. The newspaper notes that the insurers have agreed to payments at their own expense in exchange for the State Duma’s support for initiatives to combat insurance fraud. Initially, it was assumed that the delay would be 10 days, but then it was increased to three months.

The document has not yet entered into force, on June 22 it will be considered by the Federation Council. Up to this point, refugees can be fined 800 rubles for not having an OSAGO policy.

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