Gap test: in half of the regions of the Russian Federation, CTP payments outstrip fees
Over the year, the amount of CTP payments increased by 12%. At the same time, in almost half of Russia's regions, the level of insurance payments exceeds the fees from the sale of policies — in some areas by more than five times. This indicates the unprofitability of Avtograzhdanki and threatens to increase the cost of policies, insurers and experts warn. The details are in the Izvestia article.
Grow big
Currently, the level of CTP payments, taking into account the cost of doing business, averages 94% in Russia. Such data is provided by the Russian Union of Motor Insurers (RSA). This figure has increased by 12% over the year. At the same time, in 43 of 89 Russian regions, the volume of insurance payments is equal to or exceeds the volume of insurance premiums.
The most significant difference between fees and payments was recorded in Ingushetia (467%), Primorsky Krai (182%), Dagestan (180%), Chechnya (165%) and Karachay-Cherkessia (157%). The top ten problem regions also include Mari El (147%), Kamchatka Krai (142%) and Khabarovsk Krai (138%), Yakutia (135%) and Khakassia (133%). In addition, the RSA notes the amount of CTP payments at the level of 100% or more in the Novosibirsk, Smolensk, Penza, Chelyabinsk, Kurgan, Arkhangelsk, Yaroslavl, Volgograd, Lipetsk, Kaliningrad, Tomsk, Irkutsk, Kaluga, Orenburg, Astrakhan, Saratov, Kursk, Amur, Kostroma regions, the Jewish Autonomous Region, and also in Buryatia, North Ossetia, Tuva, Bashkiria, Kabardino-Balkaria, Tatarstan, Mordovia, Altai, Adygea, Kalmykia, Zabaikalsky, Stavropol and Altai territories.
— In many regions, the indicators of the level of CTP payments, taking into account the costs of doing business, have actually reached or exceeded the boundary values. When the amount of payments exceeds the premiums collected, insurance becomes unprofitable, which may lead to an increase in the average premium," said Evgeny Ufimtsev, President of the RSA.
Don't bring it to court.
Since the RSA data shows the amount of CTP payments taking into account the costs of doing business, these figures include not only the payments for accidents themselves, but also the legal costs (penalties, fines, etc.) that insurers incur by losing disputes with motorists in the courts, according to the editor-in-chief of Za Rulem magazine Maxim Kadakov. Therefore, insurance companies can easily, if not completely eliminate, then at least reduce the difference between the amount of payments and the premiums received, he is sure.
— To do this, insurers simply need to avoid bringing the case to court: issue directions for car repairs, comply with the established repair deadlines, or, if this option is impossible for one reason or another, pay the victims the amount sufficient to restore the car. At the same time, it will be possible to save money on lawyers who participate in litigation on the part of insurance companies," the editor—in-chief of Za Rulem told Izvestia.
At the same time, practice shows that motorists increasingly prefer to resolve conflicts with insurance companies in the courts, Anton Shaparin, Vice-president of the National Automobile Union, is convinced.
— According to the law, contacting the financial ombudsman is a mandatory interim procedure before filing a lawsuit in disputes with insurance companies. An increase of almost 20% in the number of CTP complaints to the financial Commissioner's service indicates that more and more car owners see the solution of issues with insurance companies exclusively in the judicial sphere, — says Anton Shaparin.
Awaiting promotion
To reduce the "cash gap" in CTP, insurers need to either increase revenue from the sale of policies or reduce payments, experts say. Most likely, the situation will develop according to the first scenario, they believe.
— There is simply nowhere to reduce payments: taking into account the price guides that are completely divorced from real life, according to which the amount of CTP compensation is calculated, they have not covered the cost of restoring the car for a long time. And taking into account even "cosmetic" changes in the method of determining the cost of parts and works in these directories, an additional 7-8% increase in the amount of payments is expected, according to the insurers themselves. Therefore, there is nothing else but to increase fees," Anton Shaparin told Izvestia.
In his opinion, in the foreseeable future, we can expect further initiatives to expand the CTP tariff corridor and revise territorial coefficients, primarily for "problem" regions.
An increase in the cost of CTP is inevitable, Igor Morzharetto, an auto expert and partner at the Autostat analytical agency, is convinced. However, the level of increase in insurance prices will largely depend on whether it will be possible to launch a check on the availability of avtograzhdanka policies for drivers, he emphasizes.
— Now, according to some data, the share of motorists who do not have CTP policies is already up to 15% (the RSA claims 7-10%. — Izvestia). The introduction of a control mechanism should, along with a fine of up to 5,000 rubles for the absence of a policy, force drivers to insure their liability, as stipulated in the traffic regulations. This will increase the volume of insurance premiums and will allow you to change the balance between fees and payments for CTP. Accordingly, in this case, a significant increase in the cost of insurance will not be required," Igor Morzharetto told Izvestia.
According to RSA President Evgeny Ufimtsev, limiting excess payments, checking the availability of a valid insurance contract with traffic cameras, as well as combating fraudulent practices in this area can help reduce the loss of CTP.
The Central Bank of the Russian Federation could not promptly respond to Izvestia's request regarding the possibility of revising the CTP tariff corridor or coefficients.
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