МТСБУ suggests to reduce term of payment of insurance compensation of the damage received as a result of road accident

The motor (transport) insurance bureau (MIN) has prepared projects of laws, on toughening requirements for efficiency of payments insurance compensate in case of road accident. In particular, it is planned to reduce term of reception of documents from GAI. For this purpose it is planned to create the electronic information of State traffic inspectorates (GAI) and to shift reception of documents in GAI from the client on the insurer. The only thing that is required from GAI - precisely to specify number of the policy that it was clear, what insurance company has given it out.

Thus GAI victims won’t spend their time to get documents, insurers will be engaged in reception of documents. For this purpose it is planned to give to the insurance companies access to business during investigation and to databases of GAI. It will allow the motor insurance bureau to establish three-monthly term of reception of insurance compensation from the moment of incident. Now after reception of all necessary documents СК should pay the insurance within a month, but term of official registration of papers is not limited.

Insurers maintain offer МIN. The civilized approach when the insurance companies are provided by databases of automobile inspections, practiced all over the world. If all documents are given operatively indemnification really to pay and within 20 days. In experts opinion, such plan becomes acceptable if in GAI the centralized base of all road accident will be generated, system of search and the electronic account of information. But option of work of such system not only labour-consuming, but also expensive business, and financing of this service will be partially carried out due to insurers.

However, liberalization of the mechanism of payments does not guarantee, that СК in the further them will not delay. Technically to pay the insurance for three months after road accident quite really, - experts consider. But there is a set of subjective factors: some companies detain insurance payments, it is sometimes difficult to agree the sum of indemnification as the client wishes to receive more, than is stipulated in the contract.

Therefore participants of the market insist on more essential reduction of term of payments. One of variants of acceleration of payments insurers see introduction of an opportunity of insurance payments on the basis of information from GAI without the decision of court. 

"КоммерсантЪ-Украина"