RSa - Abbreviation from words Russian Union of motorways. RS is a non-profit organization, which is a single all-Russian professional association based on the principles of unity and obligatory entry into all members, namely insurance companies that are committed to civil liability insurance ().
RCA is valid to ensure interaction and form rules for OSAGO activities. The Russian Union of Motorovshchikov was created on 8.08.2002, with the participation of forty-eight largest insurance companies in Russia in Russia. 10/14/2002 passed the procedure for the official state. registration. The union is valid on the basis of the Federal Law "On Compulsory Insurance of Civil Liability of Vehicle Owners" No. 40-FZ of April 25, 2002.
Recently, RSA takes the most active part in the guidance of the order at the OSAGO insurance market. The Union consolidates the issues of compensation and insurance claims for insurance cases, including when the insured company went bankrupt. The union is also actively developing the direction - electronic CTP, an increasing number of companies today provide this service online. About how to buy an electronic policy of OSAGO read.
The Russian Union of Motorovshchikov consists of a single state register of insurers and associations of insurers compiled by the Ministry of Finance of the Russian Federation.
What questions do RSA do?
It performs the following activity:
- engaged in ensuring the interaction of insurance companies and the creation of rules for the sale and other ACJO activities;
- has the right to submit and protect the interests of insurance companies related to the CTP;
- protects the rights of insurers to monetary compensation, if the harm of their lives, health or property was caused. Carries out payment of compensation to the victim.
- provides consulting services to members of the Union and helps to represent their interests in various authorities.
- performs a fight against fraud and unfair competition in the field of OSAGO.
What insurance companies are in the Russian Union of motorways, list?
The members of the RC are 76 insurance companies that account for 90% of the entire auto insurance market of the Russian Federation. It is constantly working on the inclusion of new and exclusion of inactive members of the association. Current list can be found
At present, the base of insurers allows you to check the procedure in different ways: by the number of the policy, by the number of the car, etc., and on the contrary - by insurance number, for example, you can find out the number of the car. There are three options for checking:
ATTENTION, the last weeks of the verification form work oh-very slowly, are loaded from the first time. This is a problem on the side of the Rs. If you want, you can try to download the forms of verification separately on their website: once, two, three, respectively.
1. Check the status of the form at its number. Check the paper or electronic policy of the OSAGO on the database of AIS RAS (Russian Union of motorways) and it is possible to find out the period of its action below.
This form for checking both paper policies and electronic policies of the XXX series bought via the Internet! Usually, electronic insurance falls into the database immediately after registration, but sometimes because of the base load it may take several days. The correct status for acting insurance is "located at the insured" (but if immediately after the purchase, the status is still "located at the insurer", then this may be normal - the agent could not have time to make changes to the database, wait a couple of days and only then be alarm) . Definitely the "bad statuses" of the OSAGO policy - it "has lost strength" (why it is that it is raised by the strength to see more about checking below) or "lost". The status is "printed by the manufacturer" means that such a form was not even transferred to the insurer.
Such a check does not give 100% confidence that you have a valid policy (after all, fraudsters could make a "duplicate" of the present form), but allows you to remove obvious fakes and stolen blanks. But to exclude "Dubli" need to check which car is insured according to your policy ...
2. Find out what car is insured by a specific form. In addition to the state person, a wine code or body number, in the results you can learn more detailed status of the form, for example, why it is not the insurance (could continue to terminate the contract or the policy could be lost in the insurance):
3. Find out the Osago Polis number according to Gosnomer, VIN or body number + Check if the driver entered into insurance. This is the check of the previous one, here according to the car you will learn in which insurance company it is insured, the policy number and its type (with limitations or unlimited). Wine check is the most complete. According to the Gosner, it is searched only if the insurer handed out this information (they do not always do it).
If the insurance with a limited list of drivers, then the system will offer to check the number and series of a driver's license, whether a certain driver in insurance is inscribed (this option appears in the second step after).
If you recently entered someone in your policy policy or made other changes to the data, then insured regulations are obliged to make changes to the RCA base within 5 days. Therefore, do not be afraid if after a couple of days the changes have not yet been displayed in the basis of AIS RCA.
The last check is also useful in checking before buying a used car. After all, the presence of two simultaneous segregates of the CTP on one VIN number (or PRS) may be a "call" that the car is "double". In this case, I also recommend (in this case there is a bad sign that the machine regularly passes in one region, then in another).
4. Help Abyssurist on OSAO 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 the CTP, then you can get a free response of a lawyer in the form below.
Since 2004, for all vehicle owners, the legislator has obliged to conclude contracts of autocarted responsibility - this gave a huge impetus to the development of auto insurance in Russia. For insurance organizations at that time, the possibility of concluding OSAGA treaties assumed high-quality access to a new level by attracting customers in the company. Satisfying the requirements for legislation, insurers were also supposed to become members of the Russian Union of Events Checkers (RSA). Only after that they could get a license and proceed to master the new sector of the insurance market.
Russian Union of Autoguechard (RSA): the main activity
The Russian Union of motorways, the basis of which constitutes a majority of Russian insurance companies, is a professional association operating throughout Russia. Its main activity is regulated by the Federal Law "OSAGO" No. 40-FZ dated April 25, 2002 and in its essence it is the only professionalization, whose activities are regulated at the legislative level. Established 08.08.2002 by the largest insurers, this Union implies compulsory membership for all insurance organizations entering into.
The main goal of the RS is aimed at ensuring normal operation and the interaction of insurers among themselves in the implementation of the law on compulsory insurance, as well as the formation of the principles and rules of professional activity of its members.
The activity of this trade record is aimed at:
- control of compliance with regulations on insurance organizationsas well as rules of professional activity;
- protection of policyholders, their legitimate interests, upon compensation for harmobtained by using cars and the implementation of the right associated with obtaining insurance compensation;
- performance, ensuring and protecting the legal rights of members of the organization in government bodies and other various organizations on mandatory insurance;
- consultative and information work on a single understanding and application of mandatory insurance standards and preparing explanations for incoming requests;
- use and filling out information resources in order to ensure publicly available to data on the ECAO and Insurance Treaties, insurers and policyholders in compliance with the requirements for information protection and personal data;
- coordination of the activities of PSA Member Insurers to combat fraudsters and unlawful activities in the field of auto insurance.
The Russian Union of Motorovshchikov is the largest non-profit union of insurance companies whose portfolio is more than 90% of the total auto insurance market in our country.
Insurance companies - existing members and observers of RS
Membership in the RSA is governed by the Rules of Professional Activities approved by the Presidium. The Union includes existing members and observer members., the main difference between which is the availability of licenses for the implementation of the CTP.
Insurance company applying to membership should meet the following requirements:
- availability of at least 2 years in voluntary insuring motor risks, for example, the GEA (DSAGO), including complete support of concluded contracts and losses settlement;
- compliance with the norms of insurance legislation;
- recognition and action within the framework of the Rs Charter;
- accession to Agreementproviding for a direct loss settlement;
- the presence of a license is asha (for valid members).
To make a decision on joining the Union of New Insurance Organizations, it is necessary to provide an appropriate application, as well as the rules set in paragraph 3.2 of the rules. When taking a new member, the consent of the remaining participants is not required.
Information about all participants, their contacts and the existing license can be obtained on the information website https://www.autoins.ru/. At this time, 82 actual members with OSAGA licration, as well as 10 observer members consist of 82 observers.
What you need to know the insurer?
- call employees of the competent authorities to the scene(in the absence of their direct number, you can call 02 or 112);
- make a blank notice issued by the insurer (It should be issued on the site of an accident, since the signatures of both participants are necessary).
Design of accident
The legislator also fastened. This method can be used only while implementing the following requirements:
- no more than 2 cars;
- the presence of existing CPU polisms;
- causing only property harm;
- lack of a dispute about guilt;
- the amount of damage from the victim not more than 50 thousand rubles.
In the case of the participants of the forms concluded before 02.08.2014, the payout restriction without a call is 25 thousand rubles.
Get paid within the framework of the CTP agreement is possible only if there is a perpetrator. In cases where the guilty person was disappeared, it should be informed about the traffic police about the accident. As soon as it is found, will not be difficult and get compensation.
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 major cities (Moscow, St. Petersburg, Kazan, etc.) and the branch network. In essence, the branches perform the same functions as the central office.
The branch is not an independent legal entity, its activities are aimed at representing the interests and their protection outside the location of the head office. All branches operate on the basis of the situation and are necessarily enshrined in the Charter of Yul.
Where to apply for the receipt of insurance compensation
Insureders are given the full right to contact the branch not only to conclude a policy or make changes to it, but also to receive compensation and send a claim. In the absence of representatives of the insurer in the region, with whom it was concluded, to obtain a refund to another insurer authorized to payments on behalf of your company.
Information on the insurer branches in all regions or their authorized representatives is obliged to provide at the time of the transfer of the OSAGO.
How to contact in the RSA?
Created to comply with and ensure the uniform execution of the norms of the OSAGO legislation, the Union works with appeals and complaints related to.
After the introduction of a unified system of AIS storing information of the CBM in practice, many have repaid discountswhich have accumulated since 2004. The main causes of incorrectly unloaded data:
- errors made by the insurer employees when data enters;
- changing in / y (new data was not reported to the insurer and are not properly submitted to the Treaty);
- failure when unloading information in AIS.
Car owners When insuring their vehicles, they certainly heard references to such an organization as RC. This organization operates in accordance with the Federal Law "On OSAGO" No. 40-FZ. What is this union, and what does it have to do with auto insurance? Reply to these questions in this article.
Field of activity
The main purpose of the Russian Union of Motor Shovers (RSA) is to ensure the interaction of insurance companies among themselves and protecting the professional interests of their members. The organization operates in all regions of the Russian Federation, the principles of its work are governed by the Law "On OSAGO", and membership in this union is a prerequisite for all insurers that implement citizens insurance policies.
The task of Rs includes:
- the implementation of controlling functions (employees of the Association are followed how conscientiously observe the common norms and rules of insurance activities);
- protection of the legal rights of the organization's member insurers (submission of their interests in the authorities and other places related to the areas of the CCAMA);
- information and advisory work (clarification of citizens of the main norms and principles of compulsory insurance, raising the level of awareness of the population about what is asset is and for which it is necessary);
- creation and maintenance of various kinds of information bases and resources that store data on policyholders, IC, vehicles, etc., and ensuring the confidentiality of these information;
- coordination of the efforts of the insurance companies of the RSA members to counter fraudulent and any other illegal activity in the field of auto insurance.
History of creation
The Russian Union of Motorovshchikov 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 was a state registration and received the right to officially exercise its activities under Federal Law No. 40 " About CCAGO. "
RSa became the first association that was obtained by the corresponding status of the PC (professional association of insurers) with the support of the insurance supervision department (one of the departments of the Ministry of Finance). And if it is now difficult to challenge the leading role of the RSA in the market of domestic auto insurance, then at the time of the organization of the organization existed great concerns about the fact that there will be a serious competitive struggle for the right to receive the status of posses between the associations.
In particular, one of the regional associations of insurers also tried to knock out such status, motivating this by the fact that in the Federal Law No. 40 uses the definition "one", which is not equal to the concept of "the only one". However, this attempt was unsuccessful, which, according to specialists, led to some monopolization of the market.
Terms of entry
The procedure for adopting new participants and features of membership in the RSA is defined in the Special Regulations approved by the Presidium of the Organization. Membership in the Association is two species: the actual and rights of the observer. The fundamental difference between them is that real members have a license for insurance activities in the field of OSAGO, and there are no observers.
To the SC, who wanted to enter the Union, RSA makes a number of requirements:
- experience in the related field of voluntary insurance of vehicles (CASCO) or civil liability of TC owners (DSAO) for at least 2 years (under such experience implies the availability of valid insurance agreements with clients, as well as recorded cases of settlement of insurance situations);
- the willingness to comply with existing insurance legislation, the charter of the RSA and the consent to the implementation of the norms adopted by the RSA management bodies;
- signing an agreement on direct damages.
The SK, who wants to join the Association, must prepare and provide a complete package of necessary documents (the list can be found on the RSA website).
At the moment, the following amount of membership fees is defined:
- 0.5% of the CSTAR fees for the SC, which are part of the RSA rule (but not less than 6.25 million and not more than 13.5 million rubles);
- 0.4% of the OSAGA fees for the SC, which are included in the PSA Presidium (but at least 500 thousand and not more than 6 million rubles);
- 0.3% of the OSAGA fees for all other members of the Union (but at least 25 thousand and no more than 2.25 million rubles);
Contacts
To appeal to the RC for any questions and problems (compensatory payments, illegal actions by the insurer, detection of cases of fraud or counterfeit policy, etc.) you can use the following methods.
Find out how much the electronic policy of the CTP will cost for you and in which insurance companies you can buy in your area:
The official website of the RCA was registered in 2002 together with the creation of the organization of the Russian Union of motorways. The main activity of the RC is the interaction of insurers, government agencies, car owners and other stakeholders in ensuring the current legislation in the field of compulsory autocarted liability insurance (OSAGO).
The need to create RSA and its basic information resource, the official site was due to the introduction of the Law on the territory of the Russian Federation, which provides compulsory insurance of autocarted responsibility for all drivers. At the time of base, 48 insurance companies of the Russian Federation facilitated as part of the RC. In the process of conducting activities, this figure varied depending on the number of firms leading work in the field of OSAGO.
Especially relevant, the official website of the RC has become since 2017, when insurance companies selling "auto-trap" were obliged to develop and implement tools on their official sites, allowing clients to remotely acquire E-OSAGO electronic policies online. From this point on, the Russian Union of Motorovshchikov took over the responsibility of the guaranteed sale of E-Osago to any motorist. Systems that allow this to carry out the names of the Unified Agent and E-Garant.
E-guarantor on the official website of the RS
As mentioned above, the E-Garant system was made for the guaranteed implementation of the mandatory motorway without exception to customers. The reason for this was the fact that often insurance companies were denied the sale of an electronic policy to the Client, explaining the situation with technical difficulties.
The introduction of the E-Garant system solved most of the problems of Internet users experiencing problems with the online acquisition of insurance. It is implemented as follows:
- The client enters the official website of any company or, allowing to calculate the cost of the policy on all insurance companies.
- Enters all the information necessary to calculate the cost of insurance.
- Further, the insurance company offers the client to buy E-Osago at a calculated value, or if for some reason can not sell the policy at the moment, displays a link to go to the E-Garant system.
- On the official website of the RS, after entering the number of the TCP and the regional operation region, the E-Garant is forcibly prescribed an insurance company that will sell 100 percent.
- At the bottom of the page will be placed a button to go to the official website of the appointed insurance company and making insurance.
In more detail about the purchase of OSAO in the E-guarantor system is written in.
Checking KBM online
The coefficient of Bonus Malus is perhaps the main correction indicator affecting the final cost of the policy. It is calculated individually for each driver based on the history of the accident of his driving. So, for the driver, has recently been repeatedly falling into an accident in its fault, the cost of CTP will be significantly higher than for a more accurate car owner with a trouble-free history. The calculation of the KBM is based on special and. Read more about calculating this coefficient in manual mode, read the link above.
It is much easier to learn your current CBM on the official RS website by making an online request to a constantly updated database:
- Go to the CBM check page - dkbm-web.autoins.ru/dkbm-web-1.0/kbm.htm.
- Fill in the required fields: surname, name, patronymic, date of birth, as well as a series and driver's license number.
- After sending the form, the specified data will be tested on the basis of the RCA, after which it will be derived by the KBM.
How to check the authenticity of the OSAGO policy on the Rs site
With the ubiquitous spread of electronic policies, E-Osago, there were cases of fake insurance. To eliminate the possibility of getting into the hands of fraudsters, you need to adhere to one simple rule - use official sites of insurance companies to purchase. In addition, you can use sites - the so-called online calculators, which calculate the cost of CTP according to the same official companies. In the list of third-party reliable services we can note:
All these sites work on the HTTPS protected protocol and use a single principle: the user expects the CTP immediately for all insurance companies, after which it can go to the official website of the insurance company and acquire E-Osago at a calculated price.
After the user passed all the stages of the purchase of the policy, you can check its authenticity. Here we will come in handy a RS site again.
OSAGO authentication by series and policy number
- Go to https://dkbm-web.autoins.ru/dkbm-web-1.0/bsostate.htm.
- Write the policy number (only numbers can be).
- Click the Search button.
If successful on the page will be shown information about the search policy. Otherwise, the service will give an error indicating the reason.
How to check which car is inscribed in the policy of Osago
- Go to the psa of https://dkbm-web.autoins.ru/dkbm-web-1.0/osagovehicle.htm.
- Specify a series of form, for example, XXX, SCC, MMM, KKK, Herone or BBB.
- Enter the policy number (only numbers can be).
- Set the date to check the information.
- After sending the form on the page there will be information about the car, which is entered into insurance, the series and number of which you indicated.
Checking insurance by car number
- Follow the link https://dkbm-web.autoins.ru/dkbm-web-1.0/policy.htm.
- Specify the car number.
- If possible, specify the VIN and the chassis number.
- Click the Search button.
- The result of the inspection will be a confirmation or refutation of insurance in the car with the specified civil number.
The process of all listed checks listed above is more deployed.
Calculation of the cost of spare parts when repairing the OSAGO on the website of the RS
Another useful function of the official website of the RC is the possibility of calculating the cost of spare parts that are required to carry out the insurance restoration of the car on the CTP.
- Go to the Prices.autoins.ru/priceautoparts/ page.
- Specify the date, region, the name of the brand of the car and the articula of the desired spare parts.
- Next, enter the verification code and click the Send Inquiry button.