Russians will be able to receive CTP payments without taking into account car wear and tear.

The authorities plan to introduce a new option for CTP reimbursement. It will allow Russians to repair cars at any service station, as well as receive the full amount from the insurer for self-repair of cars. Such a bill is currently being prepared for submission to the State Duma, Izvestia has it. The document has been agreed with the Central Bank, a source familiar with the discussion told the editorial board.

Who's new: Russians will be able to receive CTP payments without taking into account car wear

This will be possible if the initial compensation was not enough for self-repair.

It is assumed that both forms of compensation, which are still in force, will remain in the law. First, the insurer will either be able to send the car for repair to the service station with which he has a contract, and independently organize the restoration of the car. Secondly— the company can pay monetary compensation to the victim. This amount will take into account the wear and tear of the car, as it still applies now: that is, the older the car, the less money the customer will receive. At the same time, the maximum percentage of wear is 50%.

And in the proposed new version, Russians will also have the right to apply for an additional payment if the first one was not enough for repairs. The victim will be able to go to any car repair shop of his choice, and then send confirmation to the insurer that the restoration of the car cost more than the amount he initially received. You will need to send the documents about the repair payment and show the repaired car. After that, the insurer will be required to pay the customer the cost of depreciation, which was deducted from the amount at the initial payment.

Under the new scheme, the victim will be able to receive an additional payment for hidden damages if any are found during the repair process, Evgeny Ufimtsev, head of the Russian Union of Motor Insurers (RSA), explained to Izvestia. According to him, due to this, the amount of compensation for customers will increase.

Read more in the exclusive Izvestia article:

Who's new: Russians will be able to receive CTP payments without taking into account car wear