Insurers Will Only Pay 20% Of The Cost Of Spare Parts

State Duma and the Federation Council have amended the law on compulsory motor TPL insurance, insurers are now in the payment of insurance will be entitled to take into account the degree of deterioration of the affected parts.

20 percent of the parts - only to such compensation from the insurance company can expect the owner of a used car, the victim of the accident. According to the adopted by the State Duma and the Federation Council of amendments to the law on insurance, the insurers are entitled to take into account when calculating the amount payable wear affected components. This wear, however, can not exceed 80 percent of the cost of new parts.

"Insurers in the past have tried to thus reduce the size of payments for insurance, but after the decision of the Arbitration Court, who stood on the side of the car owners to do this was not easy," - recalls vice-president of the Movement of Russian Motorists Leonid Olshansky. The Russian Union of Insurers, in turn, believe that the law will not allow motorists to make a CTP as a scratch on the wing completely rusty "Lada" the owner asked him to pay for the purchase of new parts painting. "In 99.9 percent of cases before the courts agreed with the position of the insurance companies on accounting depreciation in the calculation of payments, except there were only isolated cases," - says spokesman Igor Vasiukov SAR.

The new procedure for calculating damages should now determine the government. Do it will not be easy. What if an accident shortly before the owner of the car has changed the worn out doors to new? All these arguments, as before, will be resolved in court, convinced Olshansky. According to statistics, PCA, in 2014 Russia had sold insurance policies by 85.8 billion rubles and paid to victims in the accident - only 45.9 billion. With the adoption of the law will reduce payments to insurers even more. 

For example, a new door to the popular Ford Focus is now worth 21 thousand 770 rubles and it is possible that the insurer would prefer to pay the owner of the car just 4 thousand 350 rubles. By the company's service with the amount even to approach uncomfortable - save perhaps that there are craftsmen in the nearby garage.