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For those 11 years, that in Latvia exist practice of obligatory insurance of civil-law responsibility of automobile owners, the system of policies OCTA repeatedly was exposed to changes and rose in price. Nevertheless obligatory insurance continues to remain a headache for the insurance companies and to yield them losses, the newspaper “Telegraph” writes. |
According to data of the Latvian bureau of insurers of vehicles (LTAB), in first half of 2008 the volume signed OCTA awards has made 25,4 million Ls, and the size of paid indemnifications has reached 21,5 million Ls. Despite the fact that what большей parts of insurers was possible to cut down expenses and even to receive profit, as a whole branch has finished the first half of the year with losses.
The losses “put” to insurers by policies OCTA, in the first half of the year of current year are estimated in 1,8 million Ls, that almost on 300 thousand Ls more than for the similar period of last year. Obligatory deductions in fund of preventive maintenance and road accident prevention, and also in guarantee fund OCTA for first six months of this year have made 15,5 million Ls.
“In the first half of the year 2008 volumes of awards have increased by 63,6 % that is one of the most considerable приростов for last five years. In turn the gain has gross-vozmeshcheny increased by 56,9 %. The gain of the signed awards directly is connected with growth of an indicator of inflation which considerably increases year after year the sum paid возмещений. It is necessary to consider and that many insurers prepare in advance for changes in limits insurance возмещений which will come into force since 2009”, the chairman of board of the Latvian bureau of insurers of vehicles Юрис Стенгревиц speaks.
Let’s remind, that since December, 1st, 2009 in Latvia the norm of EU sharply lifting payments under policies OCTA will start to operate. Henceforth victims should pay to 2,5 million EUR (1,75 million Ls), and the size of indemnification of a material damage will grow to 500 thousand EUR (350 thousand Ls).
Moreover, already about June, 1st, 2012 and these figures will grow twice. Victims should pay to 5 million EUR (3,5 million Ls), and material damage indemnifications will make to 1 million EUR (700 thousand Ls).
Now, according to the Law on obligatory insurance of the vehicles, the driver who has suffered in failure with passengers can receive a maximum of 250 thousand Ls (on all). For the damaged property under policies OCTA it is paid no more than 70 thousand Ls.
It is simple to assume, that shortly, after preparing simplification of process of purchase and use of policy OCTA will burst also its new rise in price.
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