Making a MTPL agreement, many drivers perceive it as a necessity, and not as insurance, not really counting on getting any money when an insured event occurs. This is mainly due to the dishonesty of individual insurance companies that refuse to pay customers or by all possible means reducing them to the minimum amount.
Unfortunately, it is not uncommon for clients applying for a motor citizen to receive reimbursement many times less than the cost of car repairs. In many respects this is facilitated by the
calculation of depreciation under compulsory motor liability insurance, used by insurance companies quite legally. According to existing legislation, insurers have the right to calculate wear and tear under OSAGO so that it does not exceed 0.8 of the cost of new parts. Thus, it turns out that the insurer has the right to pay only 20% of their real value, which they use, trying to take into account depreciation to the maximum.
However, if you read the OSAGO law carefully (in the part that describes the calculation of OSAGO depreciation), it turns out that insurers do not always have the right to apply maximum ratios. In particular, the coefficient will depend on how old the insured car is, in which country it was manufactured, and if the damaged part has not changed before (in the latter case, the calculation of CMTP wear for a specific part is made taking into account its age, and not the age of the car itself).
Moreover, the law provides that some parts are paid without taking into account wear and tear. If the insurers did not take this rule into account when calculating the reimbursement, it turns out that they have violated the law, and the client has the right to demand a larger payment in court.
Most negligent insurance companies take advantage of the fact that their customers are not familiar with the law on compulsory motor liability insurance and do not have the opportunity to carefully study it. If the client, having familiarized himself with the calculation of damage, shows his knowledge and asks on what basis such a high
depreciation rate was applied
, it is likely that the insurance company will recount without litigation and unnecessary words. So, when contacting the insurance company, the client is better to behave as a specialist in the field of insurance, even if this fact is not true.
When choosing an insurance company, even for compulsory insurance, you should proceed not from the minimum rates (now almost any insurer has a special calculator on the website that allows the client to calculate auto insurance on their own), but from the rating of the company, customer reviews and personal experience. If you choose a good insurer with a solid reputation that values its customers, then the calculation of depreciation under mandatory motor liability insurance will be carried out correctly and in accordance with the law. In this case, the client may be calm that they will not be deceived when calculating the damage, but still do not lose vigilance - it is better to check what is written in the conclusion before signing it. Vigilance to the client never hurts, especially when it comes to financial matters, such as receiving
insurance payments.