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ОСТАточный принцип
It is indicative, that the statement it is made while one of the main themes of conversations between motorists still has prompt and constant increase of cost “обязаловки”. Nevertheless, as ascertains Стенгревиц, last year in this kind of insurance insurers have suffered losses in 5,6 million латов. It more than in 2006 when they have lost 4,3 million латов. He has added, that, most likely, insurers will raise the prices of policies, for otherwise someone from them can go bankrupt for to cover losses ОСТА at the expense of other kinds of insurance there is all more difficult.
Explaining a gain of losses OCTA in 2007, Стенгревиц has specified, that the increase in volume of the written out awards this year has made 45,1 % while paid compensation have increased by 48,1 %. Thus the difference between awards and возмещениями does not exceed 4,3 million латов (in favour of insurers) from which almost it is necessary to give 3 million to Fund of preventive maintenance of road accident and in guarantee fund OCTA. Besides, many millions are paid to overcautious persons.
*Зачем to be reinsured? *
It is clear, that if the tanker with oil its reinsurance somewhere in solid London office is quite pertinent is insured. But, it is asked, what for to reinsure risks of the owner of old “golf”? Perhaps, on it it would be necessary to save?
As Elena Alfeeva has explained to “Hour” the vice-president of company BTA, reinsurances on ОСТА demand specifications. And business not in whim, and that theoretically any Latvian motorist can make failure in the countries of the European economic zone, in many of which of a limit возмещений does not exist at all.
The largest compensation on OCTA has been registered till now in France where as a result of road accident in a tunnel the lorry has lighted up and 39 persons were lost. Then insurers had to fork up on 100 million euro – in comparison with this sum cumulative losses of all our insurers will seem children’s babble.
According to Алфеевой, now in Latvia the limit on indemnification of damages of vehicles makes 100 thousand euro, a damage for health – 350 thousand. But after the transition period termination in 2012 it will reach the minimum lath in EU. It is 1 and 5 million euro accordingly. It is natural, that all it will not promote in any way to policy reduction in price.
In other countries insurers on this kind of insurance too do not earn or earn it is not enough, and basically it is a way of attraction of clients. In Latvia insurance OCTA offer 9 of 11 companies of insurance of risks.