Beware: fake MTPL policy from Rosgosstrakh. Insurance company Rosgosstrakh wiki description of fraud Insurance company Rosgosstrakh wiki description of fraud

This story began about a month before the expiration of my MTPL policy (April 19). As usual, calls came from all kinds of insurance agents and brokers with offers to purchase compulsory motor insurance, and they already had all the necessary data - databases have long been merged and bought, this is no secret to anyone. In general, I can’t stomach telephone agents and brokers as such, and usually our dialogue ends after my question: “Where did you get my personal number, this is a violation of Federal Law No. 152 “On Personal Data.”

But this time I came across a particularly persistent agent of Rosgosstrakh (RGS), as he introduced himself, a certain Vladislav, who had been calling for about a week from the number +74995860577, with a velvety baritone, helpful and extremely polite. Initially, he introduced himself as an employee of one of the head offices of the RGS in Moscow on Pervomaiskaya Street and offered to either come to the office or deliver the policy by free courier.

After one of the conversations, she asked me to send calculations for compulsory motor liability insurance and CASCO insurance - I sent it from the address [email protected], and not ending with rgs.ru. When asked why the letter was not from corporate mail, Vladislav replied that there was a lot of correspondence and it might get lost. Also, during the conversation, Vladislav himself mentioned that “the policy can be checked for authenticity” on the official website of the Russian Union of Auto Insurers (RUA), although I did not express any concerns about possible fraud.

Since doubts had already arisen in me, I began to look for information on the Internet. It turns out that a fraudulent scheme has been in operation for at least six months - owners of MTPL policies with an expiring date receive calls from Moscow numbers (most often call centers - +7499586...), introduce themselves as agents of the RGS, immediately forcefully issue a text that they are your personal manager, personal bodyguard machines, list a list of guaranteed services and other chocolate conditions. Next, the courier brings a pink OSAGO policy with a logo, signatures and seals, visually indistinguishable from a genuine RGS policy, the buyer, with the courier, checks it by the series and form number on the official website of the RSA - and it is indeed displayed as a policy belonging to the RGS (status - “located from the insurer"). The “future personal manager” immediately calls the client back and assures that he will add it to the PCA database within two hours after payment. The client gives the money - and only after some time he discovers that the policy is fake! Most often - in the best case scenario - traffic police inspectors report this when checking documents, and in the worst case - when the victim has to pay for damages in an accident at his own expense.

So, dear policyholders, there is only one way not to buy a fake MTPL policy - BEFORE transferring money, be sure to check the authenticity of the policy - using the free RGS hotline 88002000900 or on the official RGS website in the “Checking the strict reporting form” section.

By the way, I tried several times to call the RGS Security Service and left my contact details, briefly described the situation with fake policies, talked about reputational risks, etc. The response from Security Service was zero; no one ever called back.

P.S. According to the latest information, the scammers quickly retrained recently (otherwise there is a lot of noise with the RGS!). Now they have taken out a fresh pack of fake AlfaStrakhovanie policies and are delivering them. The scheme does not change.

Anna Sineglazova

P.S. After the publication of this article, victims of these scammers contacted the editor. They united in the VKontakte group https://vk.com/club162734111 and are trying to catch these villains. About 30 victims have already been collected, they are writing statements to the police, and there are several cases filed. Only together will we be able to catch them.

©Collage by Evgeniy Vasilenko

Insurance company Rosgosstrakh wiki description of fraud

The presence of Rosgosstrakh among large insurance companies disgraces the country, the laws of the Russian Federation and the President

Having constantly insured cars under CASCO for several years, we have never accused any insurance company in the country of fraud. Payments or repairs were made by everyone, problems never arose. Therefore, once again insuring the car, we turned to Rosgosstrakh for the reason that we moved, and the Rosgosstrakh office is simply located not far from our house. We looked on the Internet, didn’t see anything bad (oh, we didn’t look well, we had to search for “Rosgosstrakh courts”) and paid 47,000 rubles for the CASCO policy. Now (March 26, 2019) we really regretted that we did not go to court immediately as soon as we saw signs of obvious fraud in the actions of the Rosgosstrakh insurance company. We honestly did what they asked, expecting legal actions on their part, but how naive we were... So, why did we accuse the Rosgosstrakh Insurance Company of fraud and decide to sue. Below is the insured event itself, our actions and the actions of other people who are more experienced in dealing with scammers.

IMPORTANT! IF YOU HAVE NOT FOUND MY TEXT ON THE INTERNET ON TIME AND STILL HAVE INSURED YOUR LIVES, PROPERTY, CARS, ETC. WITH ROSGOSSTRAKH, READ ABOUT OUR CASE AND Draw CONCLUSIONS. I HOPE YOU WILL SEE MY TEXT BEFORE YOU GET INSURED AND PAY THE MONEY.

Rosgosstrakh has no contracts, only policies. When we took out CASCO insurance for a Ford Edge car, we were given only a policy. They took 47,000 rubles.
When they start stalling and don’t tell you the terms of repairs or payments, you will rush to look for the contract and the obligations described in it; you will not find the contract, because there is none. Only the policy, where there is scant information written in small print. And - no obligations.

Employee Ekaterina, who took out insurance with us, later, when an insured event occurred, began to hide and hang up.

Insurance case. On February 11, 2019, the husband at the car wash, spitting on waiting, without washing the car, driving away, without seeing a low stone fence, tore the bumper, radiator, etc. on it. The traffic police were called, the papers were drawn up, we did everything correctly.

On February 12, documents about the incident were sent to the Rosgosstrakh Insurance Company, with the help of which we legally intended not to receive payment, but to be referred for repairs, as in fact, the repair itself.
Days flew by and nothing happened. The country celebrated February 23, our broken and dirty car was parked near the house.

Photo of our poor, never washed car

And - attention! - nothing happened! From the first days after the incident, we called them and with great difficulty got an appraiser to come to us. He eventually arrived, took a photo of the car and left without leaving any papers. True, when leaving, he advised us to constantly remind the insurance company about ourselves, hinting that if we don’t call them, nothing will be done.
Our telephone romance with them lasted until the end of February, during which time we made dozens of calls, but still, we had the car in disrepair and no one did anything.

To all our questions about the cost of the damage and further actions, about when and where the repair of the car would begin, there were excuses that the issue was supposedly being resolved, that they had 20 days to make a decision, and other nonsense.
Non-transparency of work for the client, concealment of important information about the timing of restoration repairs is a sign of fraud by the insurance company.
In the end, we finally got the service selected; they named the closest “their” service - 70 km from us! Moreover, we had to pay for the tow truck ourselves - 5,000 rubles. The insurance company Rosgosstrakh chose a service for us 70 km from our home, but they said that they did not have to pay for the tow truck.
The service employees, having accepted the car, refused to tell us the amount of damage (repairs), saying that they had internal agreements with the insurance company Rosgosstrakh not to show the client the amount of repairs.
Since March 3, our car has been in service for repairs. They delivered her there at our expense using a tow truck. And again nothing happened for days and weeks.

That is, after delaying the process of repairing the car, they wait for a complaint, and add another couple of weeks to their deadlines “for consideration.” And during this time they continue to do nothing. Also on the website of the insurance company Rosgosstrakh there is a feedback option, where the client is asked to write an appeal or complaint, the same system operates there - again time for consideration is added.
And if a client contacts them, say, through their official page on Facebook, then an extra will answer there, whose main responsibility is to suggest using that very feedback form on the site, again in order to delay the process and increase the “repair” time.

In our case, the repair was agreed upon with the service, but without paying for the bumper. Based on the fact that when we insured the car, it was “worn out”. Have you seen the photo above? Apparently the abrasion grew so much that it turned into a big injury, which at the same time infected the radiator, grille and a bunch of other things. The infection has fucking gone...
And for some reason we received this information from a service employee. The insurance company continued to hide and write back in the style: “We are working, we will definitely inform you...”
Today, March 26, 2019, after regular telephone conversations with the Rosgosstrakh insurance company, we decided, on their advice, to look into our personal account on their website, since, according to their assurances, the entire progress of the case is reflected there. We were promised that there we would see photographs of the car taken by the appraiser and repair dates, and more.
Below are two photos of our personal account from the monitor screen. We took the first photo, just in case, on March 20, 2019, six days ago, the second now, after another employee of the Rosgosstrakh company sweetly lied on the phone that everything was reflected in the personal account on the company’s website.

Photo of our personal account on the Rosgosstrakh company website March 20, 2019

Yesterday our lawyer visited the company's office and requested a number of important papers for the court.

Today we again talked on the short telephone number of Rosgosstrakh 0530 with some extras, one of whom openly stated that they can coordinate repairs as long as they want, even for eternity. The husband asked: “What - and the year too?” She proudly answered: “Yes!”

And in the evening (today) a service employee called and said that he had received a refusal from the insurance company Rosgosstrakh to pay this service for repairing our car. Just a moment! The car has been there, dismantled, since March 3rd, today is March 26th. Sent there by tow truck at our expense. The service employee said that Rosgosstrakh decided to have our car repaired at another service center. No comments.

It is clear that we need to file a lawsuit, we are filing. I won’t even talk about how much time we wasted communicating with these pseudo-insurers. We had to buy another car and have a lot of expenses for everything. Now we will have to wait again, pay a lot of our money. What kind of fucking office is this Rosgosstrakh and why did we get involved in this! Why didn’t we read on the Internet earlier that they GO TO COURT AS WELL AS A JOB AND PAY ONLY PER COURT!

Information about Rosgosstrakh on the Internet, which we should have read before getting insured there, is below

Experience of fighting Rosgosstrakh

Dear fellow victims, I bring to your attention information based on my practical experience! I sincerely hope that this information will help you in choosing a way to deal with this insurer!

Rosgosstrakh is an easy enemy to fight! No one doubts the negligence of the insurance payments of the RGS - neither the victims, nor their lawyers, nor the judges, nor the employees of the RGS themselves (which is why the latter do not particularly resist in court).

In accordance with the law “On Compulsory Motor Liability Insurance”, the insurer is obliged to inspect the damaged property and (or) organize an independent examination of it (RGS conducts the inspection, not NE) within no more than 5 working days from the date of the victim’s request, and within 30 calendar days from the date of receipt appeal is obliged to make an insurance payment to the victim or send him a reasoned refusal.

If you disagree with the amount of payment or in case of delay, contact an independent expert and go to court!

The insurer hopes that not every victim will go to court (there is no time, desire, confidence, etc.), and therefore becomes impudent, unreasonably underestimating the amount of payments (in my case, an underestimation was made by 9 times!!!).

It is now quite profitable to sue a negligent insurer, since recently, to resolve insurance disputes, both under CASCO and OSAGO (regardless of whether you apply for payment to your insurer (PVU) or the insurer of the culprit), the courts have applied the provisions of the Law “On Protection consumer rights”, which additionally allows you to take away from the insurance company in favor of the victim: a fine of 50% of the underpaid part of the insurance payment; a penalty in the amount of 1/75 of 8.25% (for each day of delay); compensation for moral damage.

Although the judicial practice of applying the Law on PPP to the resolution of insurance disputes under compulsory motor liability insurance is hotly debated, it exists in many regions of the country and is quite actively developing. Each victim can find out about the existence of such a practice in his region in the law firms of his city, where he will be told about it and shown court decisions of won cases.

Well, if there is still an opportunity to “rob” the “poor fellow” insurer for another half of the treasured amount, then why not take advantage of this opportunity? After all, usually (with insurance) everything happens the other way around!

But you need to remember, in order to qualify for a 50% fine, you must send a pre-trial claim to the Investigative Committee, attaching an independent expert opinion, and receive a refusal from the Investigative Committee. Rosgosstrakh, as a rule, provides such a refusal without delay (as they say: the RGS will not rust). We present the claim, refusal and demands for the collection of a 50% fine in court.

Winning in court is not a problem if the victim has a well-founded expert opinion. In this case, the judges do not recognize the insurer’s fraudulent calculation, considering it incompetent and unfounded.

It is better to involve a competent lawyer in all judicial and pre-trial battles, in which case a long (4-5 months) litigation will not pose any problems for you (having concluded an agreement with a lawyer, it is enough to transfer to him the documents regarding the insured event and issue a power of attorney for him for his participation in court , he will do the rest himself, without involving you in court hearings). All expenses (for an independent examination, payment for legal services, execution of a notarized power of attorney for the participation of a lawyer in court) will be reimbursed to you by the court decision by the insurance company.

Litigate, spare no effort and time - all this will eventually pay off for you with interest!

The proposal of the RGS (in the case of compulsory motor liability insurance) for repairs instead of payment deserves special words. I believe that this is another attempt by the insurer to evade responsibility to the victim. Judge for yourself:

RGS refers victims to partner car repair shops for repairs, naturally, not to official dealers. And it pays for repairs only amounts taking into account wear and tear, i.e. The victim himself pays extra for wear and tear by purchasing new parts and spare parts at his own expense. The costs of the RGS are the same as when making OSAGO payments. With the same success, the victim can receive payment and repair wherever he wants.

The point here is this: the legislation gives the insurance company a period of one month to make payments, in case of delay - a penalty, but for repairs the period is not limited - six months, a year... as long as the insurer’s conscience is enough and no penalty, respectively.

Therefore, it is better to refuse the RGS proposal for repairs and insist on payment! If you disagree with the amount of payment or its delay, contact an independent expert and go to court! And no repairs from Rosgosstrakhov partners!!!

Good luck and patience to everyone in the fight for their rights!

Below is the insurance history of Taras from Kaluga

Here is the insurance history:
On October 21, 2012, he was involved in an accident (Honda Civic 2008) and was found not guilty. The culprit is insured by Rosgosstrakh. The certificate of the accident by the traffic police officer states: “the front bumper and the front right headlight were damaged.”
On October 22, 2012, I submitted the necessary documents to the RGS, the loss was registered under number 7153274.
On October 24, 2012, the insurer inspected the car. The inspection report states: “replacement, painting of the bumper; grinding the headlight block."
On November 1, 2012, the RSG called and invited me to announce the amount of the payment. The office announced and offered to subscribe for the amount of 4179.57 rubles. For obvious reasons (painting a new bumper alone would be more expensive), I refused to approve such an amount. They promised that the amount of payment would be recalculated. They offered to repair the car at the RGS partner car service center. The repair conditions are work at the expense of the RGS, and a new bumper at my expense. He refused such a “tempting” offer.
On November 15, 2012, the “cherished” amount of 4179.57 rubles was received on my card.
On the recommendation of a lawyer, I sought an independent examination.
In the expert report, the appraiser indicated: “replacement, painting of the bumper; replacing the headlight; painting the hood." Result: 30843 rub. cost of repair + 6107 rub. loss of market value.
On November 23, 2012, I contacted the RGS with a pre-trial claim.
On December 5, 2012, I received a refusal from the RGS.
On December 10, 2012, he filed a lawsuit.
A court hearing was held on December 26, 2012. The court satisfied my claims in full, and a decision was made to recover from the RGS:
to my advantage:
underpaid insurance compensation – RUB 32,770.43;
fine - 16385.22 rubles;
expenses for paying for an independent examination, including: RUB 3,000. (determining the cost of repairs), 1000 rubles. (calculation of technical support);
expenses for legal services - 5,000 rubles;
expenses for registration of a notarized power of attorney - 200 rubles;
state duty to the local budget - 1183.11 rubles.
Rosgosstrakh filed an appeal against the court's decision. A court hearing to consider the appeal is scheduled for March 25, 2013.

And the result of the trial

17.04.2013 19:35

Today the money was transferred to my account in full! Thanks to Rosgosstrakh for stubbornly refusing to pay kindly, without fines or penalties! Such a gift from the RGS on the eve of the summer holiday season is very useful :)
Do not hesitate to sue, I highly recommend it - the process is not a burden, but the result is a joy if your interests are represented by an experienced lawyer! although, if you wish, you can handle it yourself. Patience and good luck to everyone! :)

Evgenia Vasilenko

Below is my discussion of the case with the insurance company Rosgosstrakh on Facebook. To get to the discussion page, click on the F icon or "comment"

In the near future, a new wave of “exodus” of MTPL insurers will begin from a number of regions of Russia due to the growth of fraud, predicts Rosgosstrakh General Director Dmitry Markarov (quotes from Interfax).

We are talking about several regions in which negative judicial practice flourishes and develops when considering disputes under compulsory motor liability insurance, he explained.

Fraudsters are most active in the southern regions of Russia, including Krasnodar, Rostov-on-Don, and Stavropol, insurers say. Ivanovo, Kazan, Chelyabinsk, and Volgograd are also leaders in insurance fraud.

According to Markarov, the reduction of the presence of insurers in such regions is encouraged by the passive position of regional authorities on issues of combating insurance fraud and suppressing negative judicial practice.

The Central Bank also recognizes systemic fraud in insurance. “Fraud has become a real business affair. These are not isolated cases, but a separate type of business. Unfortunately, it cannot always be called criminal, because in a number of cases the law is respected,” Deputy Chairman of the Central Bank Vladimir Chistyukhin said earlier. This causes irreparable damage to the industry, he agrees.

“Among the latest inventions of auto lawyers is the practice of maximally splitting the insurance payment into individual claims. A claim is filed against the insurer to receive the basic payment, a claim for compensation for moral damages, and a claim for a fine. Each claim is accompanied by a demand for reimbursement of representation and other legal expenses,” Markarov gave an example. Clients are also trying to transfer the consideration of the dispute from the jurisdiction of general courts to the jurisdiction of arbitration courts through the assignment of rights of claim against the MTPL insurer under an assignment agreement to a legal entity, he notes.

“There is a growing practice in which courts ignore the requirements of the law to provide the insurer with a vehicle involved in an accident for inspection. Approximately 25% of cases are considered without taking into account the fulfillment of this requirement, that is, every fourth car is not provided for inspection to the MTPL insurer that organizes the payment,” adds the general director of Rosgosstrakh.

Markarov is convinced that on a national scale, “we are talking about organized groups of fraudsters who receive tens of billions of rubles annually from insurance payments.” According to him, the rate of occurrence of insured events in compulsory motor liability insurance is gradually increasing: “If two years ago insured events occurred in 6.5% of cases, in 2016 the figure will probably be about 8%.”

If last year insurers left some regions due to the insufficiency of established tariffs and, as a result, high loss rates, Markarov recalled, now a new exodus may begin due to the spread of the practice of fraudulent payments.”

Liberalization of the tariff in compulsory motor liability insurance is impossible as long as fraudulent payments reach such proportions, Markarov believes: “Without eradicating this phenomenon, all income of unscrupulous persons will be taken into account in the mandatory tariff.”

There would be no fraudulent auto lawyers if insurers initially paid regularly for insured events, Nikolai Tyurnikov, general director of the law firm Glavstrakhcontrol, is sure: “In the meantime, I see a very high need for the services of lawyers. The share of fraud in Russia is the same as abroad - from 5 to 10%,” he says.

According to Tyurnikov, “payments in court under compulsory motor liability insurance in Russia are now not 2%, as in Europe, but 30 billion rubles. per year, for one simple reason - insurers completely underpay their clients under compulsory motor liability insurance.” What insurers now call a disaster is a natural reaction of car owners to massive violations of their rights, he believes: “The system itself was built on total underpayments - companies competed on who would pay the least to the client.”

The regional security service of the Rosgosstrakh company, together with law enforcement agencies of the Penza region, stopped the fraudulent actions of two organized criminal groups (OCGs) that specialized in filing fictitious accidents and illegally obtaining insurance compensation under compulsory motor liability insurance, according to a press release from the insurance company.

The case of the first group is already being considered by the court; for the second, more numerous group, investigative actions are still ongoing.

It was possible to identify the scammers by analyzing payment cases of the Penza branch of Rosgosstrakh. Employees of the company's regional security service noticed that the same participants and vehicles are often mentioned in various accidents. After the inspection, a representative of the company submitted an application to the Russian Ministry of Internal Affairs for the city of Penza about the fact of fraudulent activities in the field of auto insurance. During the investigation, the facts of fraud were confirmed, the report says.

According to investigative authorities, the first organized crime group, the leader of which is Penza resident Nikolai M., included 11 people. Each had their own role in staging accidents, issuing false documents, filing a lawsuit against the insurance company, and obtaining illegal compensation.

During the investigation, 19 episodes of criminal activity were identified. The attackers simulated road accidents, called traffic police officers and filled out the documents required by law. Before the cars were inspected by an expert, fraudsters caused or imitated additional mechanical damage, usually to hidden vehicle components. In this case, the inspection was carried out by an expert who had a connection with Nikolai M. The expert entered all existing and non-existent damage into the inspection report, on the basis of which the damage was assessed. With these documents, the group members applied for compensation from Rosgosstrakh, and then, having received the payment, sued the insurance company to increase the amount, adding various costs and fines to it.

According to Rosgosstrakh, all members of this criminal group have now been detained and a trial is underway.

Similar schemes for illegal enrichment at the expense of the insurer were used by the second exposed group, which was headed by a resident of the Penza region, Alexander K. During the preliminary investigation, law enforcement officers have already identified 30 members of this criminal group. The members of the organized crime group have been detained, law enforcement agencies are conducting an investigation, and the roles and degree of guilt of each are being clarified.

According to the most conservative estimates, the damage caused to Rosgosstrakh by these groups is estimated in millions of rubles. Based on the acts of two organized crime groups, criminal cases have been initiated under Part 4 of Article 159.5 of the Criminal Code of the Russian Federation (insurance fraud committed by a group of persons or on an especially large scale). Rosgosstrakh is confident that the activities of these criminal groups will receive an adequate judicial assessment, and all fraudsters will receive a fair punishment.

“We are actively fighting fraud in the field of compulsory motor liability insurance,” emphasizes Alexey Larin, director of the regional department for economic and information protection of business. – We expose many criminals and so-called auto lawyers at the stage of filing applications to the Regional Loss Settlement Center, and actively interact with law enforcement agencies. After all, the future of not only our company, but the entire insurance industry depends on how successful our fight against fraud is today.”

The website of the Russian Union of Auto Insurers contains the website addresses of all insurance companies that have a license to sell electronic compulsory motor liability insurance. Before you sign up for a policy on the site you choose, be sure to make sure that it is on this list and really belongs to the insurance company you have chosen and is not a fake.

Http://www.rgs.smart-policy.ru
A fraudulent site that illegally uses the Rosgosstrakh logo and texts of the official website, and also offers insurance products under the guise of our company.

https://eosago.nethouse.ru
On this site, they allegedly send you an MTPL policy by email and ask you to transfer money online from your bank card. Remember: to apply for electronic MTPL you must create your Personal Account on the insurance company’s website, and not send your personal documents to dubious intermediaries. If you do not issue an electronic policy, but a regular one, then it is not sent by email, but delivered on a strict reporting form.

http://rosgosstrah.online
Be careful: this is a very exact copy of the Rosgosstrakh website; some links from this page even lead to the official website of our company. The site offers to transfer payment for a pseudo-policy to an individual’s electronic wallet, which is an obvious sign of fraud. Check where you are depositing your money. Rosgosstrakh does not accept payments via electronic wallets!