Auto lawyer names three tricks of toxic insurers to understate MTPL claims

Auto lawyer Lev Voropaev named three tricks of toxic insurers to undercut payouts under Compulsory Motor Third Party Liability Insurance (CMTPL).

"Some insurance companies in the application form for reimbursement already immediately print a check mark that the citizen requires only a monetary payment," he told Gazeta Ru.

The expert also said that another scheme of insurers is to submit to the applicant for signature a document with many difficult to fulfill conditions.

In addition, he said, insurers, citing the lack of contracts with car service centers, can issue written refusals to repair to the victims.

"If a person agrees to a monetary payment, he will receive a single method of calculation, taking into account the depreciation of only 25-30% of the real cost of repair and cut off the way to recover the full market value in court, as well as compensation for moral damages," - concluded Voropaev.

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Earlier, December 25, the head of the All-Russian Union of Insurers (VSS) Evgeny Ufimtsev said that in 2025, the insurance community will discuss with government agencies to increase the limit of payments for CMTPL insurance. For example, in terms of increasing the payout for damage to life and health - up to 2 million rubles.