Who belongs to the preferential category for registration of compulsory motor insurance. What discounts and benefits are there for compulsory insurance? how to reduce the cost of insurance MTPL insurance benefits for disabled people of group 2

There is liability for driving vehicles that are operated without compulsory motor liability insurance. Such a violation is punishable by a fine. In 2018, its size ranges from 500-800 rubles. A similar penalty may be applied for an expired policy, since an invalid document is a situation equivalent to its complete absence.

Registration of an MTPL policy for disabled people is carried out on preferential terms. This is due to the fact that a vehicle is not a luxury, but a necessity for citizens with disabilities. A personal car for disabled people allows them to avoid uncomfortable travel in crowded city transport. Often this is the only way to travel to locality.

What benefits are provided for a group 2 disabled person when concluding an MTPL agreement? At a minimum, this is compensation for half the cost of the insurance policy. You will have to pay for the insurance yourself, and compensation can be obtained later by contacting socially authorized bodies.

Compensation under compulsory motor liability insurance for disabled people in the amount of 50% of the amount of the insurance contract is not the limit. The final decision on its size is made by local authorities social protection. Regional offices have the right to independently determine the amount of compensation.

Helpful information! Sometimes, if it is necessary to repair a car damaged as a result of an accident and owned by a person with special needs, regional departments provide full compensation for the cost of restoration work.

Let's consider the main categories of citizens of the Russian Federation who have the right to receive benefits in relation to concluding an insurance contract for a vehicle.

Benefits for disabled people

Benefits under compulsory motor liability insurance for disabled people are provided in accordance with the regulations of the federal and regional law for persons with any group - 1, 2 and 3, regardless of the percentage of disability. A separate point is the need to clarify the availability of benefits for specific categories in local authorities, since in some regions the indicators may differ slightly.

For 2018, the PM is planned at the level of 12,302 rubles, and for the subsequent year 2019 - 12,783 rubles. You can see for yourself that the minimum wage today is significantly behind, and if in the next two years it is leveled off at the minimum wage, then this will be a big plus for our government.

Let us remind those who have forgotten and give a hint to those who do not know - a lot depends on the level of the minimum wage in terms of increasing wages. Also, many different social payments and benefits, including for mothers, disabled people, and so on, depend on the level of the minimum wage.

Raising the minimum wage entails considerable financial expenses pension states and others social funds. For example, increasing the minimum wage by only three hundred (300) rubles from 7,500 to 7,800 from July 1, 2017 will entail expenses in the amount of about 6.74 billion rubles, some of which will have to be borrowed from the federal budget.

The total amount to be paid will be: 89,250 rubles. The tax for all vehicle owners is paid in accordance with the tax order sent by the tax authority to individuals, vehicle owners (clause

3 tbsp. 363 Tax Code of the Russian Federation). Common mistakes when establishing a benefit Option 1: A preferential disability group is assigned, but the tax office sends a notification with the full tax amount.

What to do: Contact the Federal Tax Service at your place of residence with documents establishing your right to the benefit. The inspector will recalculate from the moment the benefit came into force.

But no more than for the last three tax years. Option 2: A notification was received with an error in tax calculation.

For property that is not registered with you. What to do: Present to the Federal Tax Service documents that confirm the theft, sale, liquidation, disposal of the vehicle.

In what case can a disabled person receive benefits under compulsory motor liability insurance? In accordance with the law, disabled people have the right to receive benefits under compulsory motor liability insurance. For this, it is important to fulfill the following conditions: 1) a person with a disability must have a vehicle that must meet his medical requirements.

He must use this machine himself. If it is impossible to fulfill this condition (for example, we are talking about a disabled child), then his legal representative may be driving; 2) a maximum of two people can drive a car together with a driver who has a disability (or his legal representative).

Keep in mind that car insurance benefits provide coverage of 50% of the cost of insurance. Only the amount written in the insurance policy is taken into account.

And the insurance premiums themselves must be paid without delay.

New bills awaiting consideration in the State Duma provide for the establishment at the federal level of benefits for this category of citizens. Disabled people of groups 1, 2, 3 People with disabilities are (first on the list of applicants) to receive benefits when purchasing a policy.

What discount on compulsory motor insurance is provided for disabled people? 50% of the cost of the policy is returned from the federal budget, subject to the provision of all necessary documentation to local authorities social protection.

Federal Law of December 25, 2008 N 281-FZ) In order for compensation to be provided, it is necessary to collect and provide the following set of documents:

Photocopy of passport (main and registration);
Statement;
Certificate of disability;
OSAGO policy;
Receipt for payment of the insurance contract;
Medical certificate confirming the need to use the vehicle;

This is a list of basic documents, however, just in case, you should check the full list with the insurance company in your city, as they may require additional certificates to process compensation.

A disabled person who has had an incident stipulated in the insurance contract, or who wants to receive compensation for an issued policy, must contact the social authorities with a package of certain documents. They must confirm that the vehicle belongs to him and is used in accordance with regulations. Full list required papers:

Contacting local social authorities. You can find out which organization is responsible for compensation for insured events from the insurer or department social assistance. The appeal is submitted in the form of an official statement, it must indicate brief information about an accident or the act of signing insurance papers.
A document confirming payment of the insurance premium. This must be a receipt certified by the insurance company for cash or non-cash payment. Until insurance premiums are paid, the policy is considered invalid.
OSAGO insurance policy.
Documents confirming that the vehicle belongs to the applicant. The car must be registered to the disabled person or the person responsible for him.
Car passport.
Identity document of the applicant (passport, driver's license).

In certain cases provided for by the legislation of the Russian Federation, monetary compensation for costs is provided. This is only permissible in case of car repairs, and not after issuing an MTPL policy.

When starting to repair a car for a 2nd degree disabled person, be sure to take into account the following points:

whether the cost of repairs does not exceed the amount according to the European protocol (it is equal to 50 thousand rubles);
whether the insured event does not exceed the maximum budget for compulsory motor liability insurance (400 thousand rubles);
where the repair organization is located relative to the place of the accident or the place of residence of the disabled person (distance is calculated in kilometers).

If the amounts specified in the first and second cases are exceeded, the disabled person has the right to refuse compensation through repairs. In case of excess, the car owner will have to pay from his own budget, which not everyone can afford.

The amount according to the European protocol is assigned if the insurance is less than it. If the amount of MTPL coverage exceeds 50 thousand rubles, then a disabled person can file a petition only if the total amount of repairs exceeds 400 thousand rubles.

The legislative act of the Russian Federation regarding insurance cases states that when insurance funds are directed to non-target needs, the state has the right to confiscate them in full. This applies to both local authorities that distribute compensation and the disabled themselves.

If they used the subsidies received not for repairs, but for other purposes, it would be legal to return all the money spent. You can use funds at your own discretion only in the cases specified above.

The last reason to refuse repair services and take money for your own use is dissatisfaction with the service center that carries out the repairs. It must meet the following requirements:

carry out repairs within 30 calendar days from the moment a disabled client contacts him;
have a license to repair used cars;
be at a convenient distance from the disabled person.

“Convenient” is considered to be a distance of no more than 50 km either from the scene of the accident or from the place of residence of the person with a disability. If it is located at a greater distance, moving a disabled person to his vehicle and inspecting its condition before and after repair will be difficult. This is a sufficient basis to demand compensation.

Exceeding the repair period applies to all repair cases. Regardless of whether the vehicle was severely or slightly damaged, it must be returned within the period specified above.

Otherwise, the disabled person is considered to have limited mobility. He may demand monetary compensation already on the 31st day.

Before this, you must provide evidence that the repair service did not fulfill its obligations within the specified period, and also notify the repair service about the decision taken.

READ ALSO: Is it necessary to change the OSAGO policy when replacing a driver’s license?

Watch a video about benefits for people with disabilities.

The payment of funds cannot exceed the amount of insurance, although in some cases local governments can legally overstep this rule and provide greater benefits. The rule on the amount of payments applies more to the disabled person himself: he has no right to demand more than what is indicated, the decision to increase compensation is made only by a person authorized by social authorities.

List of required documents

Benefits when applying for compulsory motor liability insurance are not provided for all pensioners. Must belong to a preferential group. Compensation is calculated according to a special scheme. In 2018, there are no discounts on insurance for the second category of citizens. Before this, an applicant of retirement age can count on compensation for a third or half of the cost of the policy.

And if the budget for motor third party liability insurance does not cover benefits for pensioners, then when disabled people apply for compulsory motor insurance, the discount applies. They are compensated for part of the amount they pay when fulfilling the requirements of the legislative act on compulsory motor liability insurance.

Attention! So, those pensioners who have disabilities are entitled to receive insurance discounts in 2018. They are provided with benefits in the form of compensation.

Features of provision compensation payment under MTPL insurance as a benefit for pensioners with disabilities in 2018:

Half of the amount paid under OSAGO is returned.
Having pensioner status is not enough to receive benefits. The amount of the insurance premium, taking into account the discount, is calculated for persons who have a confirmed disability.
The presence of groups 1, 2, 3 is the basis for providing compensation.
The amount of the discount depends on the cost of the policy.
Relief is granted no more often than once a year.

Almost all articles talk about typical methods for calculating the price of a policy. It uses a complex, multi-level formula. But on most insurance websites, clients have access to calculators that calculate according to the standards included in the program.

Parameters that are taken into account:

age of the motorist;
the applicant's driving experience;
vehicle engine power;
vehicle category;
the number and type of violations of the applicant;
car age;
total insurance experience and number of contracts in a particular company;
accident-free driving period;
the amount of the insurance premium, which depends on the region of residence.

For reference! Bonus “malus” is a coefficient that characterizes the driver’s driving experience and accident-free period. Its good performance guarantees the applicant discounts when applying for insurance. The indicator is assigned not to the vehicle, but to the driver.

The document on compulsory MTPL insurance has certain rules for execution. IN in this case for disabled people they are not very different from ordinary citizens of the Russian Federation.

Let's take a closer look at how to obtain an MTPL policy:

The owner of the vehicle contacts the insurance company.
Writes a corresponding application for issuing an MTPL policy.
If necessary, the car undergoes a technical inspection.
All are attached to the application Required documents.
If a citizen is disabled, he provides the appropriate identification.
Next, the insurance policy is paid for and received.

As a rule, when taking out an insurance policy for disabled people, there is a significant discount, which often reaches 50% of the total amount of compulsory motor liability insurance.

Conditions for providing compensation

Benefits under compulsory motor liability insurance for disabled people of group 3, as well as for groups 1 and 2, are issued by local social protection institutions.

But to confirm that you have met these parameters, you must submit a complete package of the following documentation:

Statement on behalf of the disabled motorist himself.
An application from a legal representative, if the first point is not fulfilled, is brought only with a notarized power of attorney.
Photocopies of the completed pages of the passport, if necessary - a representative.
Certificate with a medical report confirming the assignment of a disability group.
Permission to drive a vehicle from a medical and social examination.
A valid MTPL policy.
Documentation for the car, including registration certificates, registration certificate stating that this car Suitable for use by a disabled person, detailed statement on the suitability of the vehicle.

A similar list of documentation is required from citizens and families with disabled children. For combat veterans, a similar package of documents is provided, but there are no requirements regarding the technical adaptability of the car.

Benefits under compulsory motor liability insurance for disabled people of group 2, as well as representatives of other disability groups, are received after registration of insurance, if they have provided the documents and certificates listed above.

But we note that the procedure for purchasing a policy is carried out on the basis of general rules: the client contacts the selected insurer with a personal visit or using online requests, and a package of required documents is provided.

Even in a remote format, provision of scanned copies of documentation is provided. The direct conclusion of an insurance contract is made during a personal visit to the institution.

Payment is also made in a convenient way: in cash or by bank transfer at a bank branch, through a terminal or a bank’s virtual account.

After this, the motorist receives the policy itself and its accompanying documentation (a copy of the contract, etc.).

Benefits when applying for the groups listed above are provided if you have previously applied to the relevant local government organization (for example, social security institutions).

To do this, you need to write an application according to the sample. In a statement in mandatory indicated suitable way receiving compensation - transferring funds to a bank card or delivering cash.

Absolutely all motorists also have the opportunity to receive benefits directly when applying for the next MTPL policy.

To do this, you must be a regular customer of the company and not be the cause of any accidents that occur over a long period of time.

Each client is assigned a coefficient; upon first purchase it is 1, but with each year of accident-free driving it can be reduced by 0.05.

Such privileges are provided by many insurers to reward exemplary drivers and expand the base of regular customers.

The availability of such benefits should be checked with each insurance company you apply to.

Because the legislation does not provide for this, but practice shows the opposite, that in some cases you can retain your benefits if you purchased an expired policy.

It should be noted that insurers even offer such incentives in order to regularly expand the base of regular customers and constantly attract new motorists.

Disabled people of any disability group - I, II or III, by law, are entitled to certain benefits, including a discount when purchasing a compulsory motor liability insurance policy. That is, the degree of disability is not taken into account. The amount of the discount will depend on the decision of the regional authorities, therefore, in each constituent entity of the Russian Federation, inquiries should be made with the Administration or Social Security Department.

Preferential categories of persons are subject to conditions, compliance with which guarantees receipt of benefits. Requirements for applicants are also established at the discretion of the regional authorities, but in most municipalities the following conditions apply for receiving compensation for part of the costs of compulsory motor liability insurance:

Reimbursement of part of the cost of the policy can be issued only after full payment of compulsory motor liability insurance; it is impossible to receive funds in advance (when applying for compensation, you will need to present the purchased insurance policy);
the amount of the benefit does not depend on the applicant’s disability group, disabled people of the 1st, 2nd and 3rd groups will receive exactly 50% of the cost of the policy as compensation;
The vehicle can be used not only by a disabled person, but also by 1-2 other people (but no more);
a car can be driven not only by the disabled person himself, the person applying for the benefit, but by an authorized person (in cases where the disabled person himself does not have a driver’s license due to lack of physical ability transport management);
If a disabled person needs a car because he cannot move independently, or musculoskeletal disorders create difficulties when moving, this fact must be confirmed by providing a medical and social examination report.

If parents are raising a child with disabilities who needs to be transported by car, the mother or father is also given a benefit when paying for compulsory motor insurance. Like adult applicants, a disabled child will need to prepare a medical and social examination report.

The applicant on behalf of the child can be a parent, adoptive parent, guardian or trustee who has a driver's license and who will actually drive the vehicle. The amount of compensation will be 50% of the cost of the insurance policy.

To date, the legislation does not indicate the need to provide benefits for paying for an MTPL insurance policy to combat veterans. However, a bill is currently being developed, after which the benefit will still apply. This is due to the fact that payment under compulsory motor liability insurance exceeds the amount of insurance payments in case of damage to the health of drivers and the car by 50 times.

The benefit for paying compulsory motor insurance for labor veterans is not approved at the federal level, so it is valid only in those regions where the budget allows for the payment of compensation. You can find out about the availability of benefits for labor veterans at the office of the insurance company or from the USZN authorities.

When applying for compensation after purchasing compulsory motor liability insurance, you must have the following documents with you:

applicant's passport;
a valid MTPL policy for which compensation is due;
receipt for payment of the policy (for non-cash payments);
conclusion of a medical and social examination on assignment of a disabled group;
a certificate giving the right to a benefit (a labor veteran’s card, for example);
a certificate from the hospital confirming the need to use a car for transportation;
general power of attorney for vehicle management (if available);
documents on the ownership of the car, on registration of the car with the traffic police;
technical certificate proving the suitability of the car for transporting a disabled person;
a conclusion on the serviceability of the equipment installed in the car to create conditions for a disabled person to drive a car.

READ ALSO: Buy OSAGO in Ingosstrakh. OSAGO calculator

Question No. 1: Is it possible to obtain compensation after purchasing an MTPL insurance policy through a proxy?

At the same time, there are provisions for a disabled child additional features. For example, the amount of maternity capital, starting from 2016, can be used to pay for services and goods for the adaptation of such a child to society.

Pensions for disabled people of groups 1, 2, 3 from January 1, 2018 In the pension policy of Russia, there are two types of disability pensions:

insurance pension for disabled pensioners;
social pension for disabled pensioners.

An insurance pension is assigned when a disabled pensioner has insurance experience. In situations where there is no length of service, the disabled pensioner is assigned a social pension.

The size of the first type pension (insurance) is determined by a number of pension indicators, which are different for each citizen recognized as disabled. At the same time, there is one fixed pension indicator in the composition general structure pensions.

When applying for compensation, the following documents are required:

Application for compensation from the person entitled to compensation or his representative. If the application is submitted by a representative, his authority must be confirmed by a notarized power of attorney.
Passport and a copy of the main pages of the passport. In case of registration of compensation by power of attorney, it is necessary to provide passports and their copies for both the person entitled to compensation and those not his representative.
Certificate from the Bureau of Medical and Social Expertise. The certificate must indicate the disability group and the reasons for making the decision regarding disability.
Help from medical organization indicating the need to use a vehicle (copy of the individual rehabilitation program for a disabled person).
OSAGO policy.
Payment document confirming payment of the MTPL insurance premium. This can be a receipt (for cash payment), payment order(for non-cash payment), any other document confirming the fact of payment.
Registration documents for the car (documents confirming ownership of the car).
A technical certificate, on the basis of which one can draw a conclusion about the possibility of using a car for the movement of a disabled person.
Conclusion on the serviceability of additional equipment intended for a disabled person to drive a car independently (if such equipment is available).

Each of these values has its own impact on the cost of your policy. I propose to consider each separately.

Basic tariff.

However, there are still ways to reduce the cost of compulsory motor liability insurance, but it is calculated separately for each driver of the vehicle. Are there any discounts for pensioners on MTPL? Calculation and accrual of discounts when obtaining insurance is carried out once a year. The following parameters are taken into account:

The driver's experience and age.
The calculation is based on the following principle: the greater the age and experience, the greater the discount.
The amount of the discount is also affected by the power of the engine installed on your vehicle.
The type of insurance has a significant impact on the price.

So, we found out that the law does not provide benefits for motor vehicle insurance to pensioners; 50% compensation is provided only to people with disabilities. But regional authorities or specific insurance companies can offer discounts and preferential rates. Carefully study the acts of local authorities and the offers of auto insurers.

To confirm your right to the benefit, prepare a package of documents:

Russian passport;
driver license;
pension book;
previous MTPL policy;
inspection certificate.

Question: Are there any benefits when taking out a compulsory motor insurance policy for a pensioner with more than 40 years of driving experience? A driver of respectable age and with extensive driving experience can only rely on his own strength. Study the offers of insurance companies and find those that offer discounts to pensioners. Carefully check the calculations made by the insurance agent by contacting Special attention on KV and KBM.

In all other cases, the victim will be compensated for damages in in kind, i.e.

The car will be repaired at a service station.

To receive the monetary compensation (compensation) required by law, you must adhere to step by step instructions written below. Step #1. We inform the insurance company about the occurrence insured event.

Get compensation and benefits

There are legitimate reasons for refusing to pay compensation under compulsory motor liability insurance. This may be one of the following reasons:

incomplete package of documents;
counterfeit papers;
cancellation of the benefit of the corresponding category;
the application was submitted after the deadline.

Question 1: Can someone else get a discount on compulsory motor insurance instead of a disabled person? Answer: Refer to Art. 17 Federal Law No. 40, it states that the disabled person himself and his legal representative can receive compensation in the amount of 50% for the vehicle, which is due to the applicant for medical reasons.

Question 2: Do combat veterans and labor veterans have a discount on compulsory motor liability insurance? Answer: In 2018, the list of benefits for veterans does not include a corresponding relaxation. They can receive a discount on the policy on a general basis for accident-free driving.

Question 3: If the refusal to provide compensation is unfounded, what steps can I take? Answer: Complain to higher management. You can also file a lawsuit.

By clicking on the button, you consent to the processing of your personal data and agree to the personal data processing policy.

In 2017, the President of the Russian Federation signed a Federal Law, which specifies the need to provide insurance compensation in material form instead of cash payments. This is argued by the fact that vehicles of privileged categories of the population (in particular disabled people) require special intervention, since such vehicles are equipped with additional technical means.

The refund procedure is as follows:

recording a traffic accident;
collection of all documents indicating the circumstances of the accident;
handing over the vehicle for inspection to a specialist;
calculating estimates of future repair costs;
collecting and sending documents to the insurer with a request to issue compensation for damage.

When the social security authority makes a decision not in favor of a disabled driver of group 2, it is obliged to provide him with a written refusal to pay compensation within 10 days from the date of acceptance of the appeal. The reason for refusal may be one of the following:

numerous gross traffic violations;
able to drive the car alcohol intoxication;
deliberate concealment of the presence of technical malfunctions of the vehicle.

One of the most common reasons refusal to pay is due to incorrect documentation of the accident. Immediately after the accident, the driver must immediately call the traffic police and not move the car until the traffic inspector arrives.

What to do in this case

If a payment is refused, you need to pay attention to the letter from the social service. The procedure for challenging the decision must be described there.

Most effective way protect your rights - contact the prosecutor's office. You can also file a lawsuit against the social service department that refused payment, but suing a government agency is not easy. Therefore, it is best to write a statement to the local prosecutor's office.

Federal Law No. 40 provides for the possibility of a disabled person receiving payments in cash equivalent. For example, the cost of car repairs exceeds the limits according to the European protocol or compulsory motor liability insurance (50 and 400 thousand rubles, respectively). Thus, the car is considered beyond repair, since the owner is unable to pay the shortfall.

Another reason for applying for insurance payment in kind is damage not to the car, but to other property. If the driver died or received severe injuries, the insurer is also obliged to pay compensation. Disabled people of group 2 can demand monetary compensation no more than once in a three-year period.

Many citizens are interested in the question of whether disabled people are entitled to monetary compensation when applying for compulsory motor liability insurance, and what needs to be done to receive it. This issue is regulated by the provisions of Article 17 of the Federal Law “On Compulsory Insurance...”. As a result, disabled people, including disabled children, who own cars for medical reasons are entitled to compensation.

Its amount is 50% of the paid insurance premium in accordance with the terms of the insurance contract.

Moreover, in Moscow, until recently, the amount of compensation was 50% of the amount of the insurance premium, but not more than 1980 rubles. Payments of compensation were made from the city budget. The basis for the payments was the order of the Moscow government dated November 3, 2004 No. 2202-RP and dated April 27, 2005 No. 699-RP.

However, these regulations lost force on the basis of Moscow government decree No. 743-PP dated November 10, 2015.

Under what conditions is it paid?

Compensation is paid subject to the use of the car by a person who is entitled to receive such compensation. Two drivers can apply for payments at the same time. The main condition for providing MTPL compensation to disabled people who purchased a technical device with personal savings is the presence of medical indications for the provision of special transport.

Such conclusions are usually issued by branches of the Federal Institution “Main Bureau of ITU...”.

Another reason is the traffic police’s mark in the vehicle’s registration certificate (PTS) indicating that the vehicle was issued by executive authorities.

Compensation for compulsory motor vehicle liability insurance for disabled people is a measure social support disabled people and at the same time the only benefit under compulsory insurance contracts for civil liability of car owners. The rules for providing compensation are determined by Article 17 of the Federal Law of April 25, 2002 No. 40-FZ “On compulsory insurance of civil liability of vehicle owners.”

Conditions for providing compensation

Compensation is provided to disabled people of groups 1, 2, 3, as well as disabled children.

To receive compensation, a number of conditions must be met:

Motor vehicles must be provided to them for medical reasons, which must be prescribed in the individual rehabilitation program (IRP) of the disabled person.
The car must be used by the person entitled to compensation, and it can also be used by no more than two other drivers. If we are talking about a disabled child, then the car can be used by his legal representative.

The amount of compensation for disabled people is 50% of the cost of the MTPL insurance policy. Moreover, the disabled person (his legal representative) must pay for the policy himself, and only then apply for compensation.

Compensation is paid by regional authorities, which receive funds from the federal budget.

Persons entitled to it should apply for compensation to local social welfare authorities.

Documents required to process compensation.

When applying for compensation, the following documents are required:

Application for compensation from the person entitled to compensation or his representative. If the application is submitted by a representative, his authority must be confirmed by a notarized power of attorney.
Passport and a copy of the main pages of the passport. In case of registration of compensation by power of attorney, it is necessary to provide passports and their copies for both the person entitled to compensation and those not his representative.
Certificate from the Bureau of Medical and Social Expertise. The certificate must indicate the disability group and the reasons for making the decision regarding disability.
A certificate from a medical organization indicating the need to use a vehicle (a copy of the individual rehabilitation program for a disabled person).
OSAGO policy.
Payment document confirming payment of the MTPL insurance premium. This can be a receipt (for cash payment), a payment order (for non-cash payment), or any other document confirming the fact of payment.
Registration documents for the car (documents confirming ownership of the car).
A technical certificate, on the basis of which one can draw a conclusion about the possibility of using a car for the movement of a disabled person.
Conclusion on the serviceability of additional equipment intended for a disabled person to drive a car independently (if such equipment is available).

Is it possible to replace repairs with cash payment?

Cases when the right to replace repairs arises (in in case of an accident) payment of monetary compensation are strictly regulated in the legislation of the Russian Federation.

These are the cases:

a car cannot be restored after an accident;
the cost of car repairs exceeds the established payment limit. And the limits are as follows: no more than 50 thousand rubles under the European protocol and no more than 400 thousand rubles under the compulsory motor liability insurance policy.
cases when it was not the car, but other property that was damaged
a case where the driver of a car died in an accident or suffered harm to health (severe or medium degree severity).

Answers to common questions

Question #1: For what period can a disabled person receive MTPL compensation? Is it possible to get the last three years at once?

Answer: Unfortunately, compensation can only be obtained for this year, accordingly, it is important to apply for it in time this year. On this issue there is a letter from the Ministry of Labor and Social Protection of the Russian Federation dated January 17, 2013 No. 13-7/56.

Question #2: How long does it take for a disabled person to apply for compensation under compulsory motor liability insurance for 2017?

Question #3: Is it possible to receive compensation if a car is used for a disabled child, but the IRP does not contain a phrase about medical indications for providing a vehicle?

Answer: Until there is a corresponding entry in the IPR, you will not be able to receive compensation. But parents of a disabled child have the right to make such an entry (get it made) in the IPR every right. On this issue there is a Letter from the Ministry of Labor of Russia dated September 15, 2015 No. 13-5/B-1367, which directly states that specialists medical institution has the right to enter into the IPR a conclusion on the existence of medical indications for a disabled child to purchase a car at his own expense (other permitted sources).

Purchasing an MTPL policy is a mandatory action for all vehicle owners in the Russian Federation. In the event of emergency situations that can lead to damage to property of citizens and harm to their health, an agreement concluded with an insurance company allows them to compensate for losses without using their own funds.

On average, the cost of the policy, depending on the performance of the vehicle and the region of registration, will cost the car owner from 10 to 15 thousand rubles. The legislation of the Russian Federation provides for benefits under compulsory motor liability insurance, the provision of which has separate categories citizens of the country.

Regulatory framework for providing benefits

The legislative framework regulating the possibility of providing benefits when taking out an insurance policy, consisting of discounts on its payment, is Federal Law No. 40 “On Compulsory Insurance ...”, adopted in 2002 and undergone some changes in 2016.

Regarding the possibility of obtaining benefits in the text of the law, the following can be noted:

The legislative act does not contain precise wording on the right of certain categories of citizens to provide benefits for paying for an insurance policy;
The text of the law notes that persons with any disability group, regardless of age (that is, disabled children can also take advantage of this right) can count on discounts upon concluding an agreement with an insurance company;
State financing of the possibility of providing benefits is carried out by transferring funds from the federal budget to the local budget;
The principle of providing benefits for persons with disabilities is the possibility of receiving 50% of the amount spent when purchasing a compulsory motor liability insurance policy after the person having such a right applies to the social protection authority;
Persons with extensive driving experience have the opportunity to receive discounts when purchasing insurance. Also, certain benefits may be provided to citizens for accident-free driving;
The legislative act provides for the opportunity for local authorities (subject to the availability of funds in the regional budget for compensation) to expand the established list of benefits defined by federal law.

Categories of beneficiaries

Benefits for disabled people

In most areas, in order for a disabled person to be able to receive compensation for part of the money spent, the following conditions must be met:

The vehicle must be necessary for a disabled person for medical reasons. For example, a citizen of Russia has a musculoskeletal disorder, as a result of which difficulties arise in moving him or there is no such possibility at all. Moreover, confirmation of such a fact should be expressed exclusively in the relevant conclusions of a special medical commission;
The vehicle for which an application for benefit is being applied must be driven either personally by the disabled person or by his representative (this is permitted if the beneficiary is unable to drive or does not have a driving license);
In addition to the disabled person, no more than two people can drive a car;
The amount of benefits established for disabled people of groups 1-3 is the same - half of the funds spent by the person;
Receiving funds for compensation is possible only after paying for the insurance policy - no money is allocated in advance. In addition, the provision of the purchased policy is one of mandatory procedures to receive benefits.

Benefits for disabled children

Children having documentary confirmation disabilities, if they need cars for transportation, like adults, they have the right to receive such benefits.

As in the case of disability of persons over 18 years of age, it is necessary to provide a medical report on impairments that impede the ability to move independently or that there are restrictions.

Since a disabled child, due to his minority, will not be able to independently drive a car, the purchase of an insurance policy is carried out by his legal representative, who has a driver’s license. The amount of compensation paid is 50% of the amount spent on insurance.

Are benefits possible for pensioners?

On this moment for pensioners of the Russian Federation, any provision of benefits is not established by legislative acts, and this situation will remain in 2018. On the other hand, persons who are pensioners may fall under a different category of persons who will qualify for discounts - due to long experience as a motorist or complete absence any violations of the rules traffic, accidents involving it or the creation of emergency situations.

In addition, pensioners in many regions of our country have the right to receive payment benefits transport tax– from 50% of its value to complete liberation, depending on the vehicle engine size and other indicators.

Benefits for combat veterans

For the current year, legislative acts do not provide for the provision of benefits to combat veterans. However, based on the fact that the amount that this category of people spends on insurance is 50 times higher than what they receive as compensation for damage caused to vehicles and the health of citizens, a bill has already been developed that will allow them to use such a benefit.

Benefits for labor veterans

In certain regions of our country, if funds are available, local budget Labor veterans can also apply for a similar benefit. Moreover, the amount of compensation can also differ significantly - to obtain information, you can consult either the social protection authority or directly the insurance company where the compulsory motor liability insurance policy will be issued.

Discounts for driving experience and accident-free driving

Certain categories of drivers who have been driving vehicles for a long time and, as a result, purchase an insurance policy, are entitled to receive discounts upon subsequent registration. In addition, such a discount can increase significantly if throughout the entire driving experience there have been no traffic violations or accidents caused by the motorist.

In the event that due to his fault, damage was caused to other persons or vehicles, the cost of obtaining insurance may, on the contrary, be increased. All information relating to citizens who have the right to drive a vehicle is stored in a common database, and when applying for insurance and paying for it, all related factors and indicators will be taken into account.

You can obtain reliable information about belonging to any of the groups and categories of the population that are entitled to receive benefits or discounts under compulsory motor liability insurance in a given region by visiting the official website of the Russian Union of Auto Insurers.

List of required documents

An application for use of the benefit must be submitted either directly by the person entitled to it or by his authorized representative (guardian, close relative). If there are no grounds for representing the rights of the beneficiary, it is necessary to issue a power of attorney signed by a notary practicing in the Russian Federation.

In order to be able to receive compensation due to membership in preferential category, you will need to provide next list documents:

The applicant's original passport and copies of all completed pages of the document;
ITU certificate is a document that is issued after passing a medical commission and the result is a record of the person’s limitations, due to which a disability group is assigned (if the disabled person is a minor, the group is not indicated);
A certificate from a medical institution, which indicates the need to use a vehicle for the movement of a person with a disability;
A valid insurance policy for which the applicant intends to receive monetary compensation;
A receipt indicating payment for the vehicle or payment order (if the funds were transferred by bank transfer);
Documents evidencing vehicle registration, ownership, general power of attorney for management, etc.;
A special technical certificate that confirms the possibility of using the vehicle for the movement of a disabled person;
Conclusions on the serviceability of special technical means with which the car was additionally equipped so that a person with disabilities has the right to drive a car independently;
Direct application from the person entitled to the benefit, or from his legal representative (if there are documentary grounds);

If the application is submitted on behalf of a person who has another basis for receiving benefits (labor veteran, etc.), then a certificate of the technical condition of the vehicle will not be required.

Parameters affecting the cost of compulsory motor liability insurance

When calculating the cost of an issued MTPL policy, in addition to belonging to a certain category of persons who have benefits in a given region of the Russian Federation, the following factors are also taken into account:

A coefficient that takes into account the territory within which the vehicle is driven. Since in more populated cities the probability of accidents is much higher, the value of the coefficient will be greater;
The value of the coefficient, which is called “Class Bonus Malus” (KBM), is an indicator that takes into account the number and amount of payments that were made by the motorist in previous periods. Accordingly, the more such payments there are, the lower the value of the coefficient and the total cost of insurance will be;
The presence of emergencies or accidents that occurred due to the fault of the person concluding the insurance contract;
Coefficient of age and experience of the driver. This indicator is of decisive importance for insurance companies due to the fact that younger and inexperienced drivers are more likely to become involved in an accident - thus the insurance company takes into account the share of risk. A separate feature is that driving experience begins to be calculated from the moment you obtain a driving license.

So, to receive benefits for paying compulsory motor insurance, a motorist who has such a basis will need to contact the social authorities. protection with a corresponding application and an attached package of documents. This action must be completed before December 10 of the current year, otherwise the refund may be refused.

The civil liability insurance procedure is mandatory for all vehicle owners in Russia. A document that can confirm the presence of this type insurance is a compulsory motor liability insurance policy.

Installed executive bodies authorities of the Russian Federation. The cost of the document is determined individually for each specific case by adding various to the basic tariffs. Certain groups of people are provided with MTPL benefits for accident-free driving.

Basic conditions

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

It's fast and FOR FREE!

Benefits under compulsory motor liability insurance are provided in accordance with current legislation - the main provisions of liability insurance are regulated by Federal Law No. 40. It is worth paying special attention to the fact that benefits cover no more than 50% the cost of the insurance policy. The document itself must be paid for established by contract on time and without delay.

Depending on local laws, benefits may cover the full amount of insurance for some individuals. Their registration is carried out by special bodies responsible for ensuring social protection of the population.

To receive the benefit, the interested car owner must contact the relevant authorities and provide the following documents:

passport of a citizen of the Russian Federation (or any other document with which government officials can verify the identity of the applicant);
statement;
papers that confirm the applicant’s right to use the vehicle;
compulsory insurance policy;
receipt of payment of the insurance premium under the agreement;
technical passport of the car.

It is worth noting that in order to receive benefits for the current year, you must submit an application and attached documents no later than the beginning of December, and after consideration of the application, compensation can be received at your place of residence

Normative base

The insurance procedure under MTPL has a number of basic rules.

Among them, the following are especially worth highlighting:

the insurance system can provide insurance for damage caused to the life or health of the injured person, as well as his property as a result of a road accident;
the formal amount of compensation is established at the level of legislative authorities;
Every owner who plans to drive their car on the territory of the Russian Federation must take out an appropriate insurance policy;
the use of vehicles for which a binding agreement has not been concluded is strictly prohibited;
a person’s participation in road accidents before concluding a contract under compulsory motor liability insurance automatically increases the cost of the policy, which, in turn, should motivate drivers to drive more safely in the future.

When purchasing, receiving as a gift or transferring to operational management, a compulsory motor liability insurance agreement must be drawn up for the vehicle. Insurance must be provided within 10 days from the moment of purchasing the car. Do not forget that the presence of an appropriate agreement is a prerequisite for the subsequent registration of the car with the State Traffic Safety Inspectorate.

Active regulations define only a few cases and groups of vehicles for which compulsory insurance is not provided.

Among them we can highlight the following means movement:

with a maximum speed that does not exceed 20 km per hour;
motorcycles, tractors and construction equipment with a volume of no more than 50 cubic centimeters;
vehicles owned by the Russian Army or government agencies(except for transport that is used exclusively for business needs);
cars that were registered outside the Russian Federation and insured by specially authorized bodies of other countries;
trailers owned by individuals with less than 8 seats;
vehicles on tracks.

Only one insurance policy can be purchased for one car - this also applies to the privileged category of persons. The insured person can be the owner of the car or any other person. Additional protection, which can help cover losses exceeding the maximum under compulsory motor liability insurance, is issued voluntarily.

If an uninsured car is involved in a traffic accident, its driver must independently compensate for the full amount of damage caused. This rule is regulated by civil law. At the same time, the amount of compensation cannot be less than that established by the rules of compulsory insurance.

Main features

To whom are provided

This type of benefit can be provided to pensioners and disabled people if the following conditions are met:

in the case of disabled people different groups the car can be used by them or their legal representatives;
no more than 2 drivers are allowed to drive;
A citizen of the Russian Federation must provide a full package of documents confirming the person’s disability or belonging to pensioners.

Funds for such payments are allocated from the federal budget. At the federal level, compensation is provided for two groups of disabled people: for persons with disabilities under the age of 18 years and for other disabled people with health and physical conditions.

It is worth noting that Federal Law No. 40 does not provide for such compensation for labor veterans. Combat veterans also receive compensation on an individual basis. Local governments must independently establish social payments and benefits for other categories.

Design scheme

Benefits under compulsory motor liability insurance in 2019 are issued upon submission of the following list of documents to local social protection authorities:

photocopies of all pages of the passport;
a certificate confirming the right to receive benefits;
MTPL insurance policy and document payment receipt;
a medical certificate with the results of an examination allowing people with disabilities to drive a car;
copy of PTS;
statement.

After submitting all documents and the corresponding application, it will be reviewed by employees of the social protection service, after which the insured person will be able to count on compensation. To obtain up-to-date information about whether it is possible to return part of the amount spent on insurance, the insured person can personally contact any branch of the insurance company or write an email.

Additional papers

Benefits under compulsory motor liability insurance for disabled people of groups 2 and 3 are issued on the basis of the following documents:

an application in writing (the paper can be left by the official representative of the disabled person if there is a notarized power of attorney);
representative's passport with copies of all main pages;
certificate from the place of passage medical examination indicating the disability group;
a certificate from a medical institution confirming the need to use a special vehicle;
technical certificate, which may indicate that the vehicle belongs to special group vehicles in which people with disabilities can move independently;
conclusion on the serviceability of additional equipment, if installed in the vehicle.

What is important to remember about MTPL benefits

Compensation of insurance premiums

Local authorities may independently establish insurance compensation for various groups citizens. The main condition for this is the absence of contradictions in relation to the current federal legislation. Some coefficients can compensate for the cost of insurance, for example, bonus-malus or regional.

The following can also receive preferential compensation under the policy:

regular clients of the insurance organization - up to 5% ;
participants of special promotional campaigns;
persons who filled out the questionnaire without the slightest error, providing the most honest information.

Impact of odds

When insuring a car, adjustment factors may affect the final cost of the contract.

At the moment, there are several similar indicators:

CT	, which can affect both the increase and decrease in the cost of the policy. The territory is determined based on the place of permanent registration of the car owner. It is worth noting that on average in Russia this figure does not exceed 2.1.
KBM	This coefficient directly depends on the presence or absence of emergency situations in the period before the execution of the relevant contract. The car owner can be assigned 1 of 15 classes. For every year of accident-free driving, the discount increases.
KO	The coefficient is established if the insured person has not provided actual information on the number of persons who can drive a car. In this case, the cost of the insurance policy will increase by 1.8 times. This indicator is equal to 1 if a list of drivers allowed to drive is provided.
PIC	For younger people 22 years old the coefficient is set to 1.8. This is due to the inexperience of the driver.
KM	Installed for cars whose power exceeds 150 horsepower. The cost of the agreement increases by 1.6 times. For drivers of vehicles with a power of up to 50 horsepower, a coefficient of 0.6 is set.
KPR	Coefficient established if available. Cannot be higher than 1.16.
KP	A short-term policy with a validity period of 20 days. Such a document can be issued only in cases where the owner of the car needs to obtain state registration. The coefficient of such a policy is 0.2.
KN	Penalties for the provision by the insured person of knowingly false information, which may reduce the overall cost of the agreement. In this case, the cost of the policy increases by 1.5 times.

It is worth noting that odds are automatically lost if the driver is involved in a traffic accident due to his own fault.

Recovery

Before restoring benefits, you first need to know where to turn on this issue. In order for the insured person to take advantage of all available benefits, it is necessary to provide it to the insurance company, for example, to Rosgosstrakh medical certificate confirming the presence of disability.

The commission may establish disability:

on 1 year– for groups 2 and 3;
on 2 years– for 1 group;
before reaching adulthood - for children;
no statute of limitations.

In the latter case, reinstatement of the benefit is not required. It is enough to submit a package of documents every year that can confirm the costs of purchasing the policy. Before reinstating a disability benefit for a certain period, you must obtain a certificate of disability extension from the authorized commission.

To undergo the inspection procedure you must:

get a referral from a doctor;
collect documents;
undergo examination - this procedure can be carried out at home if the insured person finds it difficult to move without assistance.

The MTPL benefit is provided every year when a policy is concluded.

If, in the process of drawing up a contract, insurance company employees do not take into account, for whatever reason, the bonus-malus coefficient, which gives the right to a significant discount under the agreement, then the owner of the vehicle or his authorized representative must:

check the value of the coefficient independently - this can be done by sending a corresponding request on the website of the Russian Union of Motor Insurers;
write a claim addressed to the management of the insurance company;
If a response to the claim is not received or it does not satisfy the requirement of the insured person, then the company’s client can file a claim with the highest court authorities.

The use of irrelevant coefficients when drawing up an insurance contract may result in the deprivation of the insurance company’s license to carry out the relevant activities. That is why the problem with the coefficients can be resolved directly with the authorized employees of the company.

It is worth noting that the payment of benefits and other compensation does not in any way affect the procedure for purchasing an insurance policy

Discounts for disabled people and pensioners

Preferential payments to disabled people and pensioners under compulsory motor liability insurance are regulated by Article 17 Federal Law №40.

The main provisions of the document are as follows:

disabled people, including children, who are owners of special vehicles can receive a discount of up to 50% from the paid insurance premium under the compulsory insurance contract:
local governments receive powers to pay benefits from federal executive authorities;
In addition to the disabled driver, 2 more persons can drive the vehicle - in this case, insurance is purchased in full and only after that the insured person can count on compensation amounting to half of the total cost of the agreement.

The policy can be issued either in the traditional way, by visiting the office of the institution, or by issuing an electronic policy via the Internet on the insurance company’s website.

The pros and cons of purchasing OSAGO in Euroset are considered.