RSA is an abbreviation of the words Russian Union of Motor Insurers. PCA is a non-profit organization that is a single all-Russian professional association based on the principles of unity and the mandatory entry of all members, namely, insurance companies that are engaged in compulsory civil liability insurance ().
RSA operates to ensure interaction and form rules for OSAGO activities. The Russian Union of Motor Insurers was established on August 8, 2002 with the participation of forty-eight largest insurance companies in Russia. 10/14/2002 passed the procedure of the official state. registration. The Association operates on the basis of the Federal Law "On Compulsory Insurance of Civil Liability of Vehicle Owners" No. 40-FZ dated April 25, 2002.
Recently, RAMI has been taking the most active part in restoring order in the OSAGO insurance market. The Union settles the issues of compensation and insurance claims for insured events, including when the insured company went bankrupt. The association is also actively developing the direction - electronic OSAGO, an increasing number of companies already provide this service online. Read about how to buy an electronic OSAGO policy.
The Russian Union of Motor Insurers is included in the unified State Register of Insurers and Associations of Insurers, compiled by the Ministry of Finance of the Russian Federation.
What issues does the RSA deal with?
It carries out the following activities:
- is engaged in ensuring the interaction of insurance companies and the creation of rules for the sale and other activities on OSAGO;
- has the right to represent and protect the interests of insurance companies associated with OSAGO;
- protects the rights of policyholders to monetary compensation if their life, health or property has been harmed. Provides compensation to victims.
- provides advisory services to members of the union and helps to represent their interests in various authorities.
- carries out the fight against fraud and unfair competition in the field of OSAGO.
Which insurance companies are members of the Russian Union of Motor Insurers, list?
RAMI members are 76 insurance companies, which account for 90% of the entire auto insurance market of the Russian Federation. Work is constantly being carried out to include new and exclude inactive members of the association. An up-to-date list can be found
Today, the database of insurers allows you to check OSAGO in different ways: by policy number, by car number, etc. And vice versa - by the insurance number, for example, you can find out the car number. There are three verification options:
Attention, the last weeks of the verification forms have been working o-o-very slowly, they are not loaded the first time. This is a problem on the RSA side. If you want, you can try to download the verification forms individually on their website: one , two , three , respectively.
1. Checking the status of the form by its number. You can check the paper or electronic OSAGO policy in the database of the AIS RSA (Russian Union of Motor Insurers) and find out its validity period below.
This form is for checking both paper policies and electronic policies of the XXX series purchased via the Internet! Usually, e-insurance enters the database immediately after registration, but sometimes, due to the workload of the database, this can take several days. The correct status for valid insurance is “is with the insured” (but if immediately after the purchase the status is still “is with the insurer”, then this may be normal - the agent might not have had time to make changes to the database, wait a couple of days and only then sound the alarm) . Definitely “bad statuses” of the OSAGO policy are “lost” (why exactly it has become invalid can be seen in more detail by checking below) or “lost”. The status "printed by the manufacturer" means that such a form was not even transferred to the insurer.
Such a check does not give 100% certainty that you have a valid policy in front of you (after all, fraudsters could make a “duplicate” of this form), but it allows you to reject obvious fakes and stolen forms. But in order to exclude “doubles”, you need to check which car is insured under your policy ...
2. Find out which car is insured according to a certain form. In addition to the license plate, VIN code or body number, the results show a more detailed status of the form, for example, why exactly the insurance is not valid (the contract could have been terminated ahead of schedule or the insurance policy could have been lost):
3. Find out the OSAGO policy number by state number, VIN or body number + check if the driver is included in the insurance. This check is the reverse of the previous one, here, according to the car, you will find out which insurance company it is insured with, the policy number and its type (limited or unlimited). The VIN check is the most complete. It is searched by license plate only if this information was transferred by the insurer (they do not always do this).
If the insurance is with a limited list of drivers, then the system will offer to check whether a certain driver is included in the insurance by the number and series of the driver's license (this option appears on the second step after).
If you recently added someone to your OSAGO policy or made other changes to the data, then according to the standards, insurance companies are required to make changes to the PCA database within 5 days. Therefore, do not be alarmed if after a couple of days the changes have not yet been displayed in the AIS SAR database.
The last check is also useful for checking a used car before buying. After all, the presence of two simultaneously valid OSAGO policies on one VIN number (or GRP) can be a “bell” that a car is a “double”. In this case, I also recommend (in this case, a bad sign is that the car regularly undergoes MOT in one region, then in another).
4. Assistance of a car lawyer on OSAGO issues:
If you are faced with the fact that your policy, judging by the database, is fake or you have other legal issues related to OSAGO, then you can get a free lawyer's answer in the form below.
Since 2004, the legislator has obliged all vehicle owners to conclude auto civil liability agreements - this gave a huge impetus to the development of auto insurance in Russia. For insurance organizations at that time, the possibility of concluding OSAGO agreements assumed a qualitative breakthrough to a new level by attracting customers to the company. Having satisfied the requirements imposed by the legislation, insurers also had to become members of the Russian Union of Motor Insurers (RSA). Only after that they could get a license and start developing a new sector of the insurance market.
Russian Union of Motor Insurers (RSA): main activity
The Russian Union of Motor Insurers, which is based on the majority of Russian insurance companies, is a professional association operating throughout Russia. Its main activity is regulated by the Federal Law "On OSAGO" No. 40-FZ of April 25, 2002, and in essence this is the only trade union whose activities are regulated at the legislative level. Established on 08/08/2002 by the largest insurers, this union implies mandatory membership for all insurance organizations that enter into.
The main goal of the PCA is aimed at ensuring the normal operation and interaction of insurers with each other in the implementation of the law on compulsory insurance, as well as the formation of principles and rules for the professional activities of its members.
The activity of this trade union is aimed at:
- control over compliance with the rules on insurance companies, as well as the rules of professional activity;
- protection of policyholders, their legitimate interests, in case of compensation for harm received when using cars, and exercising the right associated with obtaining insurance compensation;
- representation, provision and protection of the legal rights of members of the organization in state bodies and other various organizations on issues of compulsory insurance;
- carrying out advisory and information work on a common understanding and application of the rules on compulsory insurance and preparing clarifications for incoming requests;
- the use and filling of information resources in order to ensure public access to data on OSAGO contracts and insured events, insurers and policyholders in compliance with the requirements for the protection of information and personal data;
- coordination of the activities of insurers-members of the RAMI in the fight against fraud and illegal activities in the field of auto insurance.
The Russian Union of Auto Insurers is the largest non-profit association of insurance companies, whose portfolio accounts for more than 90% of the total auto insurance market in our country.
Insurance companies - current members and observers of the RAMI
Membership in the RAMI is regulated by the Rules of professional activity approved by the Presidium. The union consists of current members and observer members, the main difference between which is the availability of a license for the implementation of OSAGO.
An insurance company applying for membership must meet the following requirements:
- at least 2 years of experience in voluntary insurance of motor risks, for example, DGO (DSAGO), including full support of concluded contracts and settlement of losses;
- compliance with insurance laws;
- recognition and operation within the framework of the Charter of the RSA;
- accession to an agreement providing for direct settlement of losses;
- possession of an OSAGO license(for full members).
In order to make a decision on joining the union of new insurance organizations, it is necessary to provide an appropriate application, as well as the package of documents established in clause 3.2 of the Rules. When accepting a new member, the consent of the other members is not required.
Information about all participants, their contacts and the availability of a valid license can be obtained on the information site https://www.autoins.ru/. At present, the RSA has 82 full members with a license under OSAGO, as well as 10 observer members.
What does an insurer need to know?
- call the competent authorities to the scene(if their direct number is not available, you can call 02 or 112);
- issue a notification form issued by the insurer(it should be drawn up at the scene of the accident, as the signatures of both participants are required).
Registration of an accident
The legislator also fixed. This method can be used only if the following requirements are met simultaneously:
- no more than 2 cars;
- availability of valid OSAGO policies;
- causing only property damage;
- lack of a dispute about guilt;
- the amount of damage to the victim is not more than 50 thousand rubles.
If the participants have forms concluded before 08/02/2014, the restriction on payment without calling the traffic police is 25 thousand rubles.
It is possible to receive payment under the OSAGO agreement only if there is a culprit. In cases where the perpetrator has fled, it is imperative to report the accident to the traffic police. Once it is found, it will not be difficult to get a refund.
How to photograph the scene of an accident
Branches and representative offices of insurers
All insurance companies have a central office, which, as a rule, is located in large cities (Moscow, St. Petersburg, Kazan, etc.) and a branch network. In essence, branches perform the same functions as the central office.
The branch is not an independent legal entity, its activities are aimed at representing interests and protecting them outside the location of the head office. All branches carry out their activities on the basis of the regulation and are mandatory enshrined in the charter of the legal entity.
Where to apply for insurance compensation
Policyholders have full right to apply to the branch not only to conclude a policy or make changes to it, but also to receive compensation and file a claim. If there are no representatives of the insurer with whom it is concluded in the region, you should contact another insurer authorized to make payments on behalf of your company to receive compensation.
Information about the branches of the insurer in all regions or about their authorized representatives must be provided at the time of transfer of OSAGO.
How to apply to RSA?
Created to comply with and ensure uniform implementation of OSAGO legislation, the union works with appeals and complaints related to.
After the introduction of a unified AIS system for storing KBM information, in practice, many discounts were reset to zero that have been accumulating since 2004. The main reasons for incorrectly uploaded data:
- errors made by the insurer's employees when entering data;
- change in / from (new data were not reported to the insurer and were not properly entered into the contract);
- failure to upload information to the AIS.
When insuring their vehicles, car owners have probably heard references to such an organization as the PCA. This organization operates in accordance with the Federal Law "On OSAGO" No. 40-FZ. What is this association, and what does it have to do with auto insurance? We will answer these questions in this article.
Field of activity
The main purpose of the Russian Union of Motor Insurers (RSA) is to ensure the interaction of insurance companies with each other and to protect the professional interests of its members. The organization operates in all regions of the Russian Federation, the principles of its work are regulated by the law "On OSAGO", and membership in this union is a prerequisite for all insurers selling OSAGO insurance policies to citizens.
The tasks of the RSA include:
- implementation of supervisory functions (the association's employees monitor how conscientiously the insurance companies comply with the generally established norms and rules of insurance activities);
- protection of the legal rights of insurers-members of the organization (representation of their interests in government bodies and other places related to the CMTPL sphere);
- information and advisory work (explaining to citizens the basic norms and principles of compulsory insurance, raising the level of awareness of the population about what OSAGO is and why it is needed);
- creation and maintenance of various kinds of information bases and resources that store data on insurers, insurance companies, vehicles, etc., and ensuring the confidentiality of this information;
- coordinating the efforts of insurance companies-members of the PCA to counteract fraudulent and any other illegal activities in the field of auto insurance.
History of creation
The Russian Union of Motor Insurers was founded on August 8, 2002 with the participation of 48 insurance organizations (most of them were large Moscow companies), and already on October 14 of the same year, the association passed state registration and received the right to officially carry out its activities under Federal Law No. 40 " About OSAGO.
RAMI became the first association to receive the appropriate status of PIC (Professional Association of Insurers) with the support of the Department of Insurance Supervision (one of the subdivisions of the Ministry of Finance). And if now it is difficult to challenge the leading role of the PCA in the domestic auto insurance market, then at the time of the organization's creation there were great fears that there would be a serious competition between the associations operating in those days for the right to obtain PIC status.
In particular, one of the regional associations of insurers also tried to knock out such a status for itself, citing the fact that Federal Law No. 40 uses the definition “single”, which is not at all equal to the concept of “single”. However, this attempt was unsuccessful, which, according to experts, led to some monopolization of the market.
Entry conditions
The procedure for accepting new participants and the specifics of membership in the RAMI are determined in a special regulation approved by the Presidium of the organization. Membership in the association is of two types: actual and observer rights. The fundamental difference between them is that full members have a license for insurance activities in the field of OSAGO, while observers do not.
To the UK, wishing to join the union, the PCA imposes a number of requirements:
- experience in the related field of voluntary vehicle insurance (CASCO) or civil liability of vehicle owners (DSAGO) for at least 2 years (such experience implies the existence of valid insurance agreements with customers, as well as recorded cases of settlement of insurance situations);
- readiness to comply with the current insurance legislation, the charter of the RAMI and consent to the implementation of the norms adopted by the RAMI management bodies;
- signing an agreement on direct indemnification.
An IC wishing to join the association must prepare and submit a complete package of required documents (the list can be found on the RAMI website).
At the moment, the following amount of membership fees is determined:
- 0.5% of the CMTPL fees for insurance companies that are members of the Board of the RAMI (but not less than 6.25 million and not more than 13.5 million rubles);
- 0.4% of the fees for OSAGO for insurance companies included in the presidium of the RAMI (but not less than 500 thousand and not more than 6 million rubles);
- 0.3% of the fees for OSAGO for all other members of the union (but not less than 25 thousand and not more than 2.25 million rubles);
Contacts
To contact the PCA with any questions and problems (compensation payments, illegal actions on the part of the insurer, detection of cases of fraud or forgery of OSAGO policies, etc.), you can use the following methods.
Find out how much an electronic OSAGO policy will cost for you and which insurance companies you can buy it in your region:
The official website of the PCA was registered in 2002 along with the creation of the Russian Union of Motor Insurers organization itself. The main activity of the PCA is the interaction of insurers, government agencies, car owners and other interested parties in ensuring the current legislation in the field of compulsory motor third party liability insurance (OSAGO).
The need to create the PCA and its main information resource, the official website, was due to the introduction on the territory of the Russian Federation on July 1, 2003 of a law providing for compulsory motor third party liability insurance for all drivers. At the time of its foundation, RAMI included 48 insurance companies of the Russian Federation. In the process of doing business, this figure changed depending on the number of companies working in the field of OSAGO.
The official website of the PCA has become especially relevant since 2017, when insurance companies selling “auto-citizenship” were required to develop and implement on their official websites a toolkit that allows customers to remotely purchase e-OSAGO electronic policies online. From that moment on, the Russian Union of Motor Insurers took on the responsibility of guaranteeing the sale of e-OSAGO to any motorist. The systems that allow this to be done are called the Single Agent and E-Garant.
E-Garant on the official website of the PCA
As mentioned above, the E-Garant system was made to guarantee the implementation of compulsory auto insurance to all customers without exception. The reason for this was the fact that often insurance companies refused to sell an electronic policy to a client, explaining the situation with technical difficulties.
The introduction of the E-Garant system has solved most of the problems of Internet users who experience problems with purchasing insurance online. It is implemented as follows:
- The client visits the official website of a company or, which allows you to calculate the cost of the policy for all insurance companies.
- Enters all the information needed to calculate the cost of insurance.
- Further, the insurance company offers the client to buy e-OSAGO at the calculated cost, or, if for some reason it cannot sell the policy at the moment, displays a link to go to the E-Garant system.
- On the official website of the PCA, after entering the PTS number and the region of operation of the vehicle, E-Garant forcibly appoints an insurance company that will 100% sell the policy.
- At the bottom of the page there will be a button to go to the official website of the designated insurance company and apply for insurance.
More details about buying OSAGO in the E-guarantor system are written in.
Checking KBM online
The bonus-malus ratio is perhaps the main adjustment indicator that affects the final cost of the policy. It is calculated individually for each driver based on the accident history of his driving. So, for a driver who has recently repeatedly got into an accident through his own fault, the cost of OSAGO will be much higher than for a more accurate car owner with an accident-free history. The calculation of KBM takes place according to a special and. Read more about the calculation of this coefficient in manual mode at the link above.
It is much easier to find out your current KBM on the official website of the PCA by making an online request to a constantly updated database:
- Go to the KBM check page — dkbm-web.autoins.ru/dkbm-web-1.0/kbm.htm.
- Fill in the required fields: last name, first name, patronymic, date of birth, as well as the series and number of the driver's license.
- After submitting the form, the specified data will be checked against the PCA database, after which the KBM will be displayed to you.
How to check the authenticity of the issued OSAGO policy on the PCA website
With the ubiquity of e-OSAGO electronic policies, cases of fake insurance have become more frequent. To exclude the possibility of falling into the hands of fraudsters, you must adhere to one simple rule - use the official websites of insurance companies for purchases. In addition, you can use sites - the so-called online calculators that calculate the cost of OSAGO for the same official companies. In the list of third-party reliable services, we can note:
All these sites operate under the secure https protocol and use a single principle: the user calculates the cost of OSAGO for all insurance companies at once, after which he can go to the official website of the insurance company and purchase e-OSAGO at the calculated price.
After the user has gone through all the stages of buying a policy, you can check its authenticity. This is where the PCA website comes in handy again.
OSAGO authentication by series and policy number
- Go to the page https://dkbm-web.autoins.ru/dkbm-web-1.0/bsostate.htm.
- Write the policy number (can only be numbers).
- Click the "Search" button.
If successful, the page will display information about the policy you are looking for. Otherwise, the service will issue an error indicating the reason.
How to check which car is included in the OSAGO policy
- Go to the PCA page https://dkbm-web.autoins.ru/dkbm-web-1.0/osagovehicle.htm.
- Specify the series of the form, for example, XXX, CCC, MMM, KKK, EEE or BBB.
- Enter the policy number (can only be numbers).
- Set the date for which you want to check the information.
- After submitting the form, the page will display information about the car that is included in the insurance, the series and number of which you have indicated.
Checking the availability of insurance by car number
- Follow the link https://dkbm-web.autoins.ru/dkbm-web-1.0/policy.htm.
- Enter the vehicle number.
- If possible, please provide the VIN and chassis number.
- Click the "Search" button.
- The result of the check will be a confirmation or refutation of the availability of insurance for a car with the specified state license plate.
The process of all the checks listed above is more detailed.
Calculation of the cost of spare parts for repairs under OSAGO on the PCA website
Another useful function of the official website of the PCA is the ability to calculate the cost of spare parts that are required for the insurance restoration of a car under OSAGO.
- Go to prices.autoins.ru/priceAutoParts/.
- Specify the date, region, brand name of the car and the article number of the required spare part.
- Next, enter the verification code and click the "Submit Request" button.