Sample application for incorrect use of cbm. Compilation of a complaint against the CCM for OSAGO. To file a complaint with the RSA, you need

Every Russian car owner is aware of the current OSAGO system. It is prohibited to drive a vehicle without concluding a motor third party liability insurance contract. Every motorist using personal transport has to resort to the procedure.

Given the level of income of our citizens, it is natural that any driver wants to purchase a policy as cheaply as possible. It is possible to reduce the amount of the contribution by submitting an application for the restoration of the MSC.

For greater transparency, you should first deal with the insurance classification of drivers. All developed countries have special systems for calculating contributions. This takes into account the length of the driver, experience. The longer a person drives, the more careful his driving, the cheaper insurance costs him.

The logic of this approach is obvious: a motorist with many years of experience is much less likely to have an accident than a novice who has just received a license.

In our country, there is a similar system based on the division of drivers into classes:

• a novice driver with no experience, according to the OSAGO system in force for 2018, belongs to the lowest class “M”;
• other drivers, based on their driving time, as well as the presence of accidents, are indicated by numbers: from 0 to 13.

This can be better illustrated with a table:

The principle of assigning a class is quite simple. Those who drive without accidents pay less and less for the policy every time. It is KBM that determines its price.

The name of the bonus-malus coefficient (CBM) is translated from Latin as "good-bad". The indicator has existed for about fifteen years, although at the time of its introduction there was no unified information network in which the OSAGO agreements concluded by a person were tracked. Starting from 2014, each insurer is obliged to upload information about the procedure to the system within 24 hours after the conclusion of the contract with the driver.

CBM is a coefficient that directly affects the price of the policy. Each motorist is strictly individual. The indicator can be, for example, decreasing or increasing.

The value is calculated by an automated program. For each year of driving without an accident, a person is given a discount of 5%. That is, for a driver of the second class, the KBM will be 0.95, the third - 0.9, etc. As can be seen from the table above, motorists of the thirteenth class have the maximum discount: its value will be 50% (KBM - 0.5).

If you get into an accident, the driver's class is reduced. At the same time, the price of the insurance policy increases. The rise in price, in contrast to the price reduction, does not occur the next year, but immediately after applying for monetary compensation.

The insurance itself can have two variations:

1. Limited OSAGO is a form in which the data of a limited number of drivers are entered into the contract. KBM is calculated by the driver with the lowest class. If last year a contract was drawn up without specifying specific drivers, and there were no insured events for the expired period, the company uses a lowering KBM (if the vehicle is owned by the driver in the contract).
2. Unlimited OSAGO - an option in which there is no restriction on the permit to drive. The class number is assigned to the owner of the car specified in the contract: it is calculated according to the last concluded OSAGO contract.

KBM can be calculated for the driver, owner. Initial MBM is the value at the time the policy is obtained, and Estimated MBM is the indicator used to determine the final premium amount.

Insurance organizations, as a rule, argue that the zeroing of the coefficient was made legally.

In practice, there may be several situations when the driver loses his discount:

1. The OSAGO benefit is valid for one year only. If there is a break in insurance, that is, the owner did not use the transport, and decided to purchase a new policy only after the expiration of a year, the KBM becomes invalid.
2. If the driver has purchased a new policy by changing the OSAGO policy from limited to unlimited, the coefficient is also reduced.
3. If the owner of the car changes within one year, the discount does not increase: it only requires a full calendar year of accident-free driving.

Grounds for nulling may not be legal. This happens when the company did not transfer information about the insured person to the database. The discount expires after one year. Sometimes there is an unloading of unreliable information entered with an error. Personal data about the driver may be incorrectly entered into the PCA.

It is better for each driver to check the data himself, using a computer.

Previously, some unscrupulous organizations, in order to make more money, hid information and did not take into account the KBM. In addition, there were cases of sales of fictitious OSAGO policies. Now the probability of such reasons for losing the bonus is extremely low.

Regulatory regulations

The main norm is the Federal Law of April 25, 2002 No. 40-FZ "On Compulsory Insurance of Civil Liability of Vehicle Owners". The document defines the rights of drivers and insurance companies, regulates the procedure for paying compensation. It is he who fixed the CBM indicator - a value that affects the price that you have to pay for the policy.

In addition, the procedure is regulated by Chapter 48 of the Civil Code of the Russian Federation (“Insurance”). Articles 927-970 of the document are applied mainly in the event of civil law disputes resolved by the judiciary. The third norm is the Law of the Russian Federation of November 27, 1992 No. 4015-1 “On the organization of insurance business in the Russian Federation”. It regulates the relationship of persons providing insurance services, the control of their activities.

When is renewal required?

It is advisable to restore the right to a discount in the following situations:

• if a person became a participant in an accident in which he was initially found guilty, but the traffic police decision was canceled on a complaint by a court decision as unreasonable;
• when an employee of the company ignored the KBM when calculating for an unknown reason: this also happens, due to inattention or in a hurry;
• if the driver was frankly deceived when issuing the policy: some unscrupulous companies “sin” with this;
• when checking on the PCA website, the index does not “break through”, that is, the driver’s data is entered incorrectly (most often a typo occurs in the date of birth or last name);
• if a change of rights was made, a change of surname, an error may also occur.

In all of the above cases, it is possible to restore justice by legal means.

The recovery procedure is quite simple, you need to prepare an application, to which you attach:

• driver's license (original and copy);
• Russian passport;
• previous policy;
• an official certificate from the insurer stating that the person did not have insured events and was not paid compensation for them;
• certificate from the traffic police about the absence of accidents;

It is very important to keep the insurance document that has lost its validity, since it is it that contains information about the KBM of the previous period!

After analyzing the circumstances that caused the loss of the legal discount, you need to prepare a written application in two copies for its return.

The document states:

• the name of the company (organization) to which the appeal is addressed;
• Surname, name, patronymic, date of birth, telephone number of the applicant;
• the nature of the request to correct the database;
• series, number of the current policy;
• the grounds that served as the reason for the appeal (data indicated in the certificates of the traffic police and the insurer);
• a list of attached documents proving the validity of the application;

After filling out the documents, they are submitted directly to the company that issued the insurance with an error.

Consideration period

For consideration of the submitted application, paragraph 1 of Art. 16.1 of the law "On Compulsory Insurance of Civil Liability of Vehicle Owners" 10 calendar days are allotted from the date of receipt. Non-working days and holidays are excluded from the period.

During this time, the company must make one of the following decisions:

• meet the requirements stated in the application;
• send a reasoned refusal to the applicant.

When the time is up, you need to check your KBM on the RSA website. If the coefficient has not changed, you should call the insurer.

Typically, companies fix bugs without too much trouble. Insurers that have been on the market for many years (Alfastrakhovanie, Reso, Ingosstrakh, Uralsib, Ingosstrakh, Rosgosstrakh, VSK, etc.) value their reputation and value their customers, so adjustments are made immediately.

Then, on the form provided by the insurer, an application is written for the return of the overpaid part of the contribution, which indicates the number of the savings book or account statement, for transferring money to a bank card.

If the insurer nevertheless ignored the legal requirements of the car owner who applied to him, an application to the PCA for the restoration of the OSAGO KBM can be sent electronically. You need to find the official website of the Russian Union of Motor Insurers. In the "Contact the RSA" section, an email address is provided ( [email protected]), where you need to send all the collected documents, having previously scanned them.

This network resource also contains telephone hotlines where the driver can call and ask all his questions about the cost of the OSAGO policy.

By the way, the above application form to the RSA for the restoration of the KBM can be downloaded in Word format directly on the site.

Another option is to write and file a civil lawsuit in court. An application for the return of KBM under OSAGO a sample appeal can be found at the stand of this organization. The document is sent to the name of the chairman of the district court at the place of residence. If the claims are satisfied, the court, in addition to reimbursement of the excess payment, collects a fine from the unscrupulous company, which is half the difference between the amount of the payment determined by the judge and the bonus paid by the person.

How to reduce the OSAGO KBM?

You can avoid the maximum bonus amount if you consider the following recommendations:

1. If possible, persons who are less than 22 years of age or who have less than three years of experience should not be included in the list of licensed drivers. This condition alone can help reduce the cost of the policy by 60%.
2. If there was a driver on the list with a history of an accident, it would be wise to also remove him from the list or purchase an unlimited policy.
3. Many drivers living in the regional center register a car for rural relatives. The measure also helps to save money, since increasing values ​​​​of the coefficients are applied to the inhabitants of megacities.
4. There are drivers who do not drive in the winter. Then you can buy a policy only for 6-7 months.
5. Sometimes insurers have discounts for new users. Some organizations, on the contrary, provide bonuses to regular customers.

Right, in our time, as you know, is the one who managed to foresee everything in time. Given the difficult financial situation of Russian citizens, resorting to additional savings measures will not be superfluous.

Checking the KBM on the RSA database

To carry out the check, the driver will need a computer with Internet access, a driver's license and a valid insurance policy. Then, online using the link https://kbm-rsa.info, you need to go to the search form and follow the instructions.

The result will be issued after entering all personal information and data on documents. The top line contains the value of the coefficient currently in effect. Information about the previous policy and the value of the KBM value of the previous period is indicated below.

It is essential to stand up for your rights. If a person, having checked his indicator on the basis of auto insurance, saw an error, measures should be taken to eliminate it. The sample application for the restoration of KBM is simple, the list of documents is small. Justice must be restored so that careful, accident-free driving brings bonuses to a conscientious driver who respects the laws and follows the Rules of the Road.

Lawyer, specialist in automotive law

Written articles and responses

The question of how to regain KBM OSAGO in Rosgosstrakh arises when information about the driver is lost or when the discount is incorrectly calculated. MBM stands for bonus-malus ratio, and it directly affects the amount of benefits. That is why it is unprofitable for drivers to lose KBM, since in this case they will have to pay more for insurance. However, there are situations when, due to someone's mistake, a person is charged with an erroneous coefficient. In this case, it is recommended to point out the inaccuracy, and, if necessary, defend your rights.

Briefly about the bonus malus

All drivers will agree that insurance is now quite expensive. And you have to pay for the policy every year when you renew it. The only way to save money is to get a discount. It is given to good drivers who drive without accidents. And the longer a person does not get into a traffic accident, the higher the discount will be. It is determined by the bonus-malus coefficient.

There is both a maximum discount and a minimum. In addition, there is a percentage increase in price for those who often get into accidents. A person can get a 50% discount, and this is the upper limit. Those who have been driving without accidents for 10 years in a row are eligible for it. However, participation in an accident is not yet a reason for deprivation of benefits. A person will lose the discount only if he is found to be the culprit of the accident.

Annually there is a recalculation of the KBM according to OSAGO. It either goes up or goes down for a reason. It can also stay at the same level if the person has reached the maximum value. By mistake, it may happen that a person is incorrectly credited with a discount or even left without it. This can happen for various reasons, but in any case, the driver must understand the situation.

Reasons for recovery

Insurance companies are rarely wrong, but it does happen. Therefore, each vehicle owner must ensure that he is correctly credited with KBM. After all, only he is interested in receiving benefits in full.

If suddenly there are suspicions of an incorrect calculation of the coefficient, you should not immediately rush to file a complaint. Perhaps there is just no error, and the driver did not take into account something. For example, there was an accident, and the company had to pay compensation. Then next year the driver's class will go down. It is also worth considering that when a discount of 50% is reached, it will no longer increase.

Another important factor is how long a person did not renew insurance. If a year or more has passed since the expiration of the policy, then the person will lose his KBM, and will have to start over.

If there were no such circumstances, and the coefficient was calculated incorrectly, then the following reasons are possible:

1. The person changed his driver's license. In this case, due to the change in human rights, they could be mistaken for a beginner. As a rule, it is not difficult in such a situation to return benefits. It is enough just to contact Rosgosstrakh.
2. Relatives or friends have entered the person in their insurance policy. There can be confusion, and a company employee accidentally points out that the driver is a beginner. Then the information in the database will change, and when renewing the policy, the person may find that his previous discount has disappeared. This is also quite solvable.
3. The insurance organization did not transfer personal information to the PCA, or an error was made in the information, for example, in the name or surname. Because of this, when changing the insurance organization, they may decide that the driver does not have an accident-free record.

If a person is sure that the insurers made a mistake, then you will need to ask for a recalculation. Now let's figure out how this can be done, and what is needed.

Places to apply

When finding out the fact of a mistake made by the insurance company, you should not immediately panic or rush to court. It should be understood that no one is immune from errors. Therefore, first of all, you need to contact the insurance organization itself. Sometimes it is enough for them to point out the error so that they recalculate and fix the problem.

To do this, you will need to submit an application with a corresponding request. In it, you must specify information about the OSAGO policy with which the problem arose. You also need to mention the person's details so that you can check information about him. In addition, you need to add information about the vehicle for which the insurance is issued.

Important! You can submit your application in person, online, or by registered mail. You can also act through a representative, but then you will need to issue a power of attorney and certify it with a notary.

You will need to wait about 10 days until the application is considered and a decision is made. Quite often, insurers independently sort out the issue, and the person no longer has to do anything. However, it is also possible that a reasoned refusal will come.

You will need to carefully read the reasons for which a negative answer was given. If they turn out to be illegal, then it makes sense to contact another body that also deals with these issues.

It makes sense to apply to the RSA - the Russian Union of Motor Insurers. They are obliged to consider the person's case and conduct a check. The application is written according to the same principle as in the insurance company. However, it should be pointed out that the insurers refused to correct the mistake. You will have to wait about a month for a response. After that, a decision will come to a person, and further actions depend on him.

It may happen that Rosgosstrakh will refuse to re-calculate the KBM. Naturally, they must motivate their answer. In rare cases, refusal comes without legal grounds. But if the driver is sure that he is right, then you can send an application to the Central Bank. He also regulates the activities of insurers. There, the application submitted by the person will be considered, and after that they will give an unambiguous answer.

In most cases, it is enough to apply to the above bodies to achieve justice. But, in extreme cases, you can file a lawsuit in order to start proceedings. It is recommended that you contact a lawyer so that he can help you correctly draw up an application and, in general, control the entire trial process.

If the court takes the side of the driver, then the insurance company will be obliged to pay all costs. However, if the organization wins, then the person himself will pay for the consideration of the case by the court.

Overpayment return

If a person has already managed to overpay for insurance, then you should not worry about your money. They can be returned after recalculation. To do this, you will need to contact the insurance company with the appropriate application. There you should indicate the amount to be paid, or you will need to ask for a recalculation.

A person has every right to return that part of the money that he paid by mistake. He should not wait for the insurers themselves to want to return the funds. You must immediately apply and wait within 10 working days until the money is transferred.

If the funds do not come during this time, then you can go to the Central Bank. It is necessary to mention the appeal to the insurers, as well as their inaction or negative response without a good reason. Then the Central Bank will deal with the issue, and the person will be able to receive the money due.

Once again, we note that if an error occurred with the calculation of the bonus-malus coefficient, then it is necessary to seek recalculation. Because a person has the right to a discount, and the company itself is unlikely to notice the error. If a certain amount of benefits is prescribed by law, then a person will receive it in any case, even if he has to go to court.

If we talk about insurance, then OSAGO is today a mandatory type of insurance for car owners in the Russian Federation. Tariffs for this type of insurance are fixed at the state level.

When calculating the insurance premium, the CBM coefficient (Bonus-Malus coefficient) must be taken into account. If, when calculating OSAGO, this individual coefficient was not taken into account, or if its indicator was incorrect, then the car owner has the right to demand a revision of the insurance premium.

This can be done by contacting the relevant authorities or by sending a complaint to the insurer's website or to the PCA, as well as to the Central Bank of Russia.

When should the discount amount be restored?

Drivers who drive on roads without accidents are entitled to discounts when signing an insurance contract.

It is not possible to restore the coefficient in the following situations:

• If the autocitizen was issued for an unlimited number of drivers. That is, it will not work to assign this coefficient to one driver, since it is assigned to the car as a whole. If an autocitizen is being replaced, all individual parameters are reset to zero;

• When the driver's data has not been entered into any insurance policy for more than one year. As you know, discounts for driving without an accident are accrued annually. Their action lasts for the next year. In the case when the driver does not drive, that is, if his experience is interrupted, there are no more discounts.

Drawing up an application for the restoration of discounts

If accident-free driving discounts are lost for any reason, you can submit a written request for reinstatement.

What does this statement consist of:

• the name of the organization to which you are applying;
• your personal data, registration, phone number;
• direct request for changes to the database;
• information about the insurance policy that you have at the time of application (series, insurance number);
• on what basis do you ask to make changes to the database (certificate from the insurance company, insurance contract that was in effect earlier, etc.);
• a list of documents that you submit along with the application as evidence;
• your signature, the date of the document.

Where to apply for the return of KBM under OSAGO

First of all, send an application for the restoration of KBM directly to the insurance company with which you have an up-to-date OSAGO insurance contract.

Currently, only insurers can change the parameter value in the database. This rule has been in effect since December 1, 2015. Although until that time, the solution of the issue was the prerogative of the union of motor insurers.

How can I file a claim with an insurance company?

You can do this in several ways:

• handed over personally to the employees of the insurance company.

The representative of the insurance company must endorse the second copy of the application, confirming the fact of acceptance of the document (put the number of the incoming document, date, signature and seal of the company);

• send by registered mail with notification. In the envelope, along with the application and copies of documents, there must be an inventory of the contents of the envelope. It should be noted that the notification will allow you to have data on the exact date of receipt of the document by the insurance company;

• using the Internet. On the official website of the insurance company there is a special form used to send applications.

Deadlines for consideration of an application for the return of KBM under OSAGO

The insurance company has 30 days to consider your application.

That is, after this time you will receive a response to your appeal. The response shall be sent in writing to the address indicated by you in the application. It can also be sent to your email address.

In the event that you do not receive a response within the legal period, your next steps may be as follows:

• write a complaint against the insurer and send it to the PCA;
• file a complaint with the Central Bank of Russia.

Both organizations, among other functions, are empowered to control the activities of insurance companies for compulsory OSAGO insurance.

Submitting a complaint to the CBM

Making a complaint to an insurance company

If the policyholder is dissatisfied with the actions of the insurer, he may file a complaint. You can do this yourself when meeting with a company representative or via the Internet by going to the official website.

To apply, please prepare the following documents:

• OSAGO insurance policy (current at the time of application);
• driver's license;
• Your passport;
• details of your personal account;
• statement directly.

When drawing up an application, it is not necessary to adhere to any strict form.

A document is written in the name of the director or head of the branch of the insurance company.

The document might look something like this:

“I appeal to you with a request to look into the current situation in my KBM. My car is DaewooMatiz 2009, 51 hp. with., was insured by me without any problems. Each subsequent year after taking out an insurance policy, I used my right to a discount for driving without accidents. For all my practice of driving a car (8 years), I have never been involved in an accident, and, accordingly, I have not received any payments from the insurer.

This year, my OSAGO insurance policy has expired (it was issued by Rosgosstrakh LLC). I planned, as usual, to draw up a new contract, but no matter which company I contacted, they offer me to pay a rather impressive amount for a new policy, arguing that this cost is due to the fact that I do not have a discount for accident-free.

Without my consent and notification, I was assigned class 3 with KBM = 1. I decided to find out my KBM on my own, and went to the PCA website. To my surprise, they were exactly the same.

I ask you to clarify the information on my KBM, and make the necessary changes to the database.

Together with the application, I am giving you a copy of the driver's license, insurance policy for previous years.

When submitting your application to the insurance company, make sure that the representative of the company registers the document and gives you a copy of it with a mark of acceptance, signature and seal.

Once your application has been reviewed, the PCA database will be updated accordingly. The company is obliged to notify the client of such actions.

If you are unable to submit your application in person, please do so online. To do this, register on the official website of the company, and only then send an email.

Do not forget to indicate your email address in the complaint, as the company is obliged to inform you of the results of your complaint.

If the insurance company refuses to make changes to the database, send a complaint to the PCA or the Central Bank.

Procedure for submitting a complaint to the RSA

The compilation, maintenance and replenishment of the Unified Database is carried out by the RSA (Russian Union of Motor Insurers). This organization is endowed with special powers, and it depends on it how correctly the KBM will be applied when drawing up an insurance contract.

If you want to send a complaint to the PCA via the Internet, go to the official website of the organization http://www.autoins.ru. Find the "Contact RSA" section. Here you can download a special application form.

For a personal appeal to the PCA, you should come to the address 115093, Moscow, st. Lyusinovskaya d.

After submitting your complaint, you will have to wait 10-15 business days. If you want to know if there have been any changes in the database, go to the official website of the PCA, section "OSAGO: information of policyholders and victims."

For information that applies only to you, enter your personal information as well as information about your driver's license.

How to send a complaint to the Central Bank?

The next authority you can contact with your problem is the Central Bank. Until you write complaints to the insurance company and the PCA, and also wait for a response from them, you should not contact the Central Bank.

If you received a refusal from both instances, there is nothing left but to write a complaint to the Central Bank. To do this, go to the official website of the Central Bank https://www.cbr.ru.

When you make a complaint, accurately describe the essence of your complaint - "Incorrect use of KBM when drawing up an OSAGO agreement." Next, describe your problem in detail (similar to the example above).

Please include your contact details at the end of your request. If you have the opportunity, send electronic copies of the necessary documents. This way you can shorten the time it takes to process your complaint.

The other day I remembered that it's time for car insurance under OSAGO. I decided to check the cost in the Rosgosstrakh online calculator, and also check my class and the KBM coefficient.

For those who don't know, CBM is a bonus-malus coefficient, or in other words, a discount for accident-free driving.

And what was my surprise when I saw that my class is 3, and KBM = 1 in 2016. This means that I have no discount! But ... the discount was last year, and if you check for last year's date (2015), then my class was 7, and the discount was about 20%, you will agree a lot, given the current cost of OSAGO. And I began to actively think about how to restore the KBM in the RSA Rosgosstrakh database in 2017, if there are no old policies, I threw it out as unnecessary. A little lower, you will find out how the cbm was restored to me in just 1 day, and remotely !!!

How to restore KBM for free in 2017

First of all, you will need to find out exactly when the discount disappeared, or rather, when the reset occurred in the PCA database.

For example, I entered into an OSAGO agreement from 10/15/2015 to 10/16/2016. By choosing any check date for this interval, my class was equal to 3., by choosing the date 10/14/2015, my class was 7. This means that my contract was concluded (for 2015-2016), or rather, the cbm was not entered into the PCA database, or was entered incorrectly, in connection with which everything was reset to zero. If you have the wrong class for the previous year, then choose an even earlier date until you find when the failure occurred.

After that, you will need to write a complaint to Rosgosstrakh, + just in case, I sent a complaint to the PCA and the Central Bank. It should be noted that it was enough to send an application only to the CSG, since it is he, like my insurance company, who is authorized to restore the value of KBM in the RSA.

• Go to tab feedback from the CSG.
• Choose the nature of the appeal. Complaint against KBM under OSAGO.
• Fill in all fields correctly.
• Take a photo:

1. Valid OSAGO policy
2. Driver's license (both sides)
3. Vehicle registration certificate (both sides)

• Write in detail the reason for the request. For example: (On 01/01/2015, I concluded an OSAGO agreement at the address ... in the CSG branch, at the conclusion my class and cbm were reset to zero, whereas when checking in 2014 my class was 6, the previous OSAGO policy was thrown out. Please restore my class and legal discounts) In this spirit...

Within 24 hours, an answer came to my e-mail box, which says that the CSG reviewed my case, and my class and KBM were restored to me). The letter also says that I can return the difference, taking into account the discount for the current contract, but you can read about this in the article on how to return the overpaid OSAGO insurance premium (soon). In the next article we will tell you, do not miss it, this information will be useful to many.

You can also play it safe and fill out an application form at the PCA and send it to them by e-mail. And on the website of the Central Bank of Russia, in the Internet reception of the bank, file a complaint with the subject “Incorrect use of KBM”, and also describe your reason by attaching photographs of documents.

Thus, without visiting the office of the insurance company, I was able to restore the KBM in the PCA database absolutely free of charge, and now the cost of OSAGO is calculated taking into account the discount. Remember! that even if there are no old policies, you can still restore your class!

If you have any questions, write and we will try to help you!

OSAGO is a mandatory type of insurance, the tariffs for which are approved at the state level. When calculating the insurance premium under the OSAGO policy, employees of insurance organizations must take into account the KBM coefficient.

If, when calculating OSAGO, an employee of the insurance company did not use the individual KBM coefficient, or used, but incorrect, the insured should write a complaint to the relevant authorities and demand recalculation and return of the overpaid insurance premium. You can write a complaint both to the website of the insurance company, and to the PCA or the Central Bank of the Russian Federation. In this article, we will consider: how to correctly write a complaint against KBM under OSAGO and achieve the restoration of KBM and reimbursement of the premium paid?

What is MBM and why is a complaint filed?

MBM or bonus-malus coefficient is a discount for accident-free driving, or an increasing coefficient for emergency driving, valid for the duration of the insurance contract.

To account for the lower and higher class, there is a special table of KBM. A client who applies for a policy to an insurance company for the first time is assigned the initial 3rd class. A driver who accurately drives the insurance year receives a 5% discount for each insurance year without an accident. In the event of an accident, the class of the driver is calculated depending on the initial class of insurance and the number of losses during the insurance period.

In what cases may it be necessary to file a complaint about the restoration of the KBM? Typically, these situations occur in the following situations:

1. Intentional actions of an insurance employee - many insurance companies intentionally do not use the KBM coefficient in the hope of getting more money from the client for issuing an insurance contract.
2. Changing the personal data of the insured - along with the previous paragraph, an error in the value of the KBM may occur in the PCA database itself, where it is stored. In this situation, you need to take into account that the KBM coefficient in a single PCA database is stored according to the name and number of the driver's driver's license. In the event of a change of rights or surname, the old coefficient will not be applied to the new data of the driver, and he should write an application to the insurance company to reissue the discount on new personal data. Unfortunately, many do not know that it is necessary to notify the insurance company of all changes, as a result of which they issue an OSAGO policy for a new surname and driver's license, losing any of their available discounts.
3. The mistake made by the insurance company - the KBM discount may disappear even due to the fact that the insurance organization did not send the data to the PCA or completely stopped its CMTPL insurance activities and stopped providing information to the PCA.

It does not matter for what reason the insurer did not apply the KBM, in any case, it is worth writing a complaint and demanding the restoration of information in a single PCA database.

How to write a complaint to the insurance company?

The policyholder can file a complaint against the auto insurer in two ways - in person, by contacting the company's office, or through the official website. If you choose the first option, you will need to contact the central office at the location. To apply, you must have:

• valid OSAGO policy;
• driver's license;
• passport;
• personal account details;
• statement.

The application can be written in free form, addressed to the director or head of the branch, for example, in this form:

I ask you to look into the situation with my KBM. Until now, I have insured my 2007 Daewoo Matiz car without any problems. 51 hp Year after year, insurance companies gave me a discount for accident-free driving, because. for 9 years of experience, I have never been in an accident and have not contacted insurance companies about payments.

On May 18 of this year, my OSAGO policy issued by Rosgosstrakh LLC expired, and from that day I cannot issue a new policy, because all insurance companies offer to purchase a policy at an unreasonably high price, citing the fact that now I have no discount for accident-free, and by default I have been assigned class 3 with CBM = 1. When I independently check my CBM on the PCA website, I get the same result - class 3 and KBM=1.

I ask you to check the correctness of my KBM and make appropriate changes to the PCA database. I am enclosing scans of the driver's license, as well as insurance policies for the past and the year before.

An employee of the insurance company must accept the entire package of documents, register and provide the client with a copy of the application, with a mark of acceptance. After accepting the application, the insurance company must make changes and notify the client about the change in the KBM in a single database.

In the absence of the possibility of a personal appeal to the representative office of the insurance company, you can leave a complaint on the official website. To make an appeal, you must register on the insurer's website and write an electronic application. When filing a complaint in electronic form, an e-mail address is indicated to which the result of consideration of the application of the insured will be sent.

If the insurance company does not want to change the CBM coefficient, you should contact the PCA or the Central Bank.

How to file a complaint with the RSA?

The Russian Union of Motor Insurers is an authorized organization, one of the tasks of which is to maintain a Unified Database, created for the correct use of KBM when drawing up insurance contracts and resolving disputes in the field of insurance.

To remotely send a complaint to the RAMI, you need to go to the official website http://www.autoins.ru, and in the "Contact the RAMI" section, download the approved form, fill it out according to the example indicated above and send it to the email address [email protected]

Also, a claim to the PCA can be submitted personally by contacting 115093, Moscow, st. Lyusinovskaya d.

A submitted complaint is usually reviewed within 10-15 business days. You can check the changes on the official website of the PCA, in the section "OSAGO: Information of policyholders and victims." To obtain information about the status of the complaint, you must provide personal data and a driver's license.