The Russian Union of Motor Insurers and the traffic police failed to establish data transfer. According to estimates, insurance should have risen in price for about 100 thousand car owners in the Russian Federation.
In accordance with current regulations, all car owners in the Russian Federation are required to have a valid OSAGO policy: this document insures motor third party liability. Over the past few years, the reform of this segment of insurance has continued in the country: it is assumed that all changes will help strengthen the individualization of the “car citizen”. So, back in 2020, a norm was adopted, according to which policies should have become more expensive for certain categories of customers.
Since August 24, 2020, the list of such clients of insurance companies has included persistent traffic offenders. Here we are talking about serious and repeated violations, such as driving at a prohibiting traffic light, exceeding the speed limit by more than 60 km / h, as well as driving into the oncoming lane, all of which should be recorded by the traffic police, and not by traffic cameras.
According to approximate estimates of the Russian Union of Motor Insurers (RSA), there are approximately 100,000 such persistent traffic offenders in the country.
As Yevgeny Ufimtsev, Executive Director of the RSA, said during a meeting of the Presidential Council on Human Rights, so far the Union has not been able to establish the required data exchange with the traffic police: the agency does not send information about persistent violators of traffic rules to the insurers system, as a result, such drivers a year and a half after joining by virtue of the norm still did not start paying for policies more. He explained that the application of the rule could become a deterrent for reckless drivers on the roads.
Evgeny Ufimtsev sees the explanation for the fact that the new rules for calculating the price of an OSAGO policy have not yet come into effect is that the Ministry of Internal Affairs now faces “many tasks in terms of automation”, probably for this reason the tool necessary for transmitting PCA data has not yet been created . According to Andrei Klimenko, head of the department for ensuring law enforcement activities of the traffic police, “there are all malicious violators” in the databases of the department, but he did not specify why the information was not transferred to insurers.
According to Kommersant, citing its own source familiar with the situation, only the full name and driver’s license number are now entered into the OSAGO policy, this data is not enough to accurately identify the malicious violator of traffic rules (there is a chance to mistakenly increase the cost of insurance “to the full namesake “). Previously, it was proposed to enter passport data and the year of birth into the “autocitizen”, but no decision was made. It also takes time for the traffic police to develop a service for checking reckless drivers.
According to Andrey Klimenko, automatic verification of the presence of valid CMTPL policies with the help of cameras will also have to wait for car owners. The department is pushing for a system that will be able to dock databases to eliminate the possibility that “chain letters” will start coming to law-abiding drivers.