Why Dorothy Car Insurance
In 2011, car owners have repeatedly noticed the increase in the value of OSAGO and are very concerned about this. At the same time, a new price increase is expected. What is the reason for this?
According to the Russian Union of Motor Insurers,The increase in insurance tariffs, which occurred in July 2011, was quite expected. At the same time, the companies consider the growth of tariffs to be insufficient and are preparing for new changes.
According to the current legislation,The government can adjust the tariffs for compulsory motor TPL insurance once every 6 months. At the same time, car owners, who often use the on-line calculator, note only two cases of price increases for the last 8 years of the OSAGO Act. The Russian fleet has changed greatly over the years, in fact, its renovation took place. Consequently, the average size of insurance payments for iron increased. In addition, inflation has led to an increase in the prices of spare parts and the cost of the norm-hour for the service station.
The volume of vehicles sold annuallyincreases by 30-40%, but the road infrastructure remains the same. Consumer lending is in the growth stage, so a lot of young drivers with a very low level of training sit behind the wheel of the car. All this contributed to the growth of accidents on the roads, therefore, led to the loss of insurers for OSAGO.
Recently, the volume of obligations of insurersincreased. The gap between the obligations of companies and the volume of insurance coverage, in the opinion of the representatives of the RSA, could be smoothed out only by adjusting tariffs and their coefficients. In the past, car owners who used and OSAGO, noted a dangerous trend. Over the past year, 26 companies left the market, and in eight years the ranks of the RAR were significantly weakened, as the Union left 60 companies. Most of the insurers declared themselves bankrupt, because the growth rate of payments significantly exceeded the growth rate of premiums.
Consequently, such an unpleasant price increase forpolicies of OSAGO was necessary. If this did not happen, the market would have a more deplorable picture. According to insurance companies, it will be possible to speak about any effect of new tariffs only next year, when all car owners will have time to re-arrange policies. At the same time, the participants of the RSA note that the only adjustment of tariffs and tariff rates will not be enough. If companies decide to increase the limits of insurance claims, this will lead to a new increase in prices for insurance policies.
