Complaint against the insurance company RGS Life. How to write a complaint to Rosgosstrakh Suggestions and complaints to Rosgosstrakh

In most cases, car enthusiasts wonder how to restore the KBM in the RSA database when drawing up an MTPL agreement. KMB (bonus-malus coefficient) is a discount for accident-free driving, which reduces the cost of the MTPL contract. The more years a car owner drives without an accident, the greater the discount. For a number of reasons, the discount in the unified RCA database may disappear. It seems difficult to restore. In fact, this is a myth; everything is very simple if you follow simple tips.

Reasons why the discount disappears

The first thing you need to do is to identify the reason for the disappearance of the discount in the unified RCA database and. If the reason is known, restoring the KBM under compulsory motor liability insurance will not be difficult.

The discount may disappear as a result of:

• Change of driver's license (the most common reason);
• Change of personal data (change of surname);
• At the end of the year, the insurance company did not provide information to the RSA;
• The insurance manager made a mistake during registration and sent incorrect data to the database (typo in personal data);
• When added to another insurance policy, agents equate discounts to the initial class and upload this information into a single database;
• The insurance company closed.

Check KBM

How to return a bonus when changing your driver's license

There are two options for restoring the bonus for accident-free driving: via the Internet, or in person at the insurance company’s office. Since the leader of the insurance market is PJSC SK Rosgosstrakh, many car owners, when losing a bonus, turn to this company.

Restoration at the office of the insurance company

If you decide to restore KBM in Rosgosstrakh, then you need to contact the central office, which is represented in the region. You will need to have the originals of the following documents with you: passport, driver's license, insurance policy (which contains the old driver's license) and write a free-form application addressed to the director.

After the application is completed, contact the secretary, provide all documents and ask to register it. Based on the results of the application, you should have an application for restoration of the KBM in the RSA (copy), with a mark of acceptance.

After accepting the application, the representative of the insurance company is obliged to change the information and notify the policyholder about changes in information in the unified RSA database.

Discount restoration via RSA

You can send an application to the insurance company for the restoration of the KBM via the Internet. To do this, you need to go to the official website of the RSA, in the “Contact the RSA” section. In this section, anyone can download the application form, fill it out and send it to the email address [email protected] for consideration. It is important to fill out all fields of the application in detail and correctly. You will need to attach a copy of your driver's license on both sides to your application.

If you need qualified assistance to restore your bonus malus in MTPL through the RSA website, you can call the free support service at 8-800-200-22-75. Competent specialists will answer all your questions and help you solve the problem with bonus restoration as soon as possible.

Restoring discounts through the website of the insurance company Rosgosstrakh

Drivers who were insured with the Rosgosstrakh insurance company can restore the KBM coefficient through the official website http://www.rgs.ru. Thanks to the site, you can not only restore your discount quickly, but also simply. All you need to do is go to the “Feedback” section and write a request. The type of appeal must be selected – “complaint against KBM under compulsory motor liability insurance”.

After this, all that remains is to correctly fill in the required fields, without which the complaint will not be sent to Rosgosstrakh. The complaint indicates the series and number of the MTPL policy. It is also important to indicate the branch in which the contract was drawn up (the name of the branch is indicated on the round seal in the lower right corner). If possible, this agreement and the driver’s license should be photographed and uploaded to a special section. After filling out all the fields, all that remains is to send the request and wait for the results of the review.

Refund of bonus when changing personal data

In practice, when a girl gets married, she takes her husband’s last name and changes all her documents: passport, car documents and driver’s license. It is not enough to change documents; you need to change the KBM coefficient in the unified RSA database and transfer the discount to new personal data.

To save the discount, you will also need to fill out an application, attach a complete package of documents and send it via the Internet, or take it in person to the representative office of the insurance company. According to the current law, the policyholder must make changes and notify the insurance company of any changes immediately. If you do everything on time, there will be no problems with discounts.

Costly mistakes

The human factor has not yet been canceled. Everyone makes mistakes, and insurance company representatives are no exception. There are a lot of clients who want to get the coveted policy. A company specialist, when filling out an application and drawing up a form, may make a mistake and incorrectly send information to the RSA database.

The best way to avoid this is to carefully check all fields on the insurance form before signing it. But if an error is discovered later, you should immediately contact the manager of the insurance company and ask to make changes. You only need to have your passport and insurance policy with you. It is important that only the policyholder can make changes under the current contract.

The insurer must provide a sample application for entering information and issue a new form with correct data. It is not allowed to make changes in your own hand on the back of the policy and certify with a seal.

No insurance company or discounts

Insurance companies are literally disappearing from the market like mushrooms. What to do if a company that has not provided information to the unified RSA database has closed down? Is it possible to restore the KBM yourself in RSA? These questions plague many motorists who find themselves in an unpleasant situation.

The main thing is not to despair and give up. Even in such a situation, it is possible to restore the KBM after replacing rights or losing a discount. The main thing is not to wait until the contract ends. To restore an earned bonus, you will need to download an application form from the RSA for the restoration of the KBM and send it through the website.

Don't expect it to be reviewed in the shortest possible time. As a rule, the RSA employee will request additional information and check the driver's statistics for the last year.

Registration without discounts

What if you received a new driver’s license, but did not have time to edit the discount in a single database? When drawing up a new contract, managers cannot independently change the information in the PCA database and are accepted for class 3 insurance (without discounts).

If a car owner changed his license, didn’t know how to restore the car insurance policy, and signed up for compulsory motor liability insurance without discounts, he can count on a refund of the overpaid insurance premium. After drawing up the contract, you need to write a request on the RSA website, wait until the information is changed, and contact the insurance company with a request to make a recalculation.

The manager of the insurance company is obliged to accept the application, check the KBM data in the database, reissue the insurance policy and prepare an order for the return of the erroneously paid amount.

To quickly solve the problem with discounts, you should keep all OSAGO forms. If you have documents for all years, you can quickly restore the discount.

You can control the discount yourself. To check, you should go to the official website of RSA, visit the “MTPL” section, which provides information for the policyholder. To check the bonus, you will need to enter personal data: full name, date of birth and driver’s license number. The KBM check is carried out within a minute. It turns out that in real time you can find out the current class using a unified system.

You need to know that the Central Bank controls the activities of insurance companies, but does not contribute to making changes to data in the unified RSA database. There is no need to write a complaint to the Central Bank if the discount has disappeared.

Even if you lost your discount several years ago, you can restore it using any convenient method listed above. At the same time, after the bonus is restored, you can send an application to the insurance company for the return of the overpaid insurance premium.

The insurance premium under a compulsory motor insurance contract is calculated based on the KBM coefficient. It is also called bonus malus. Its advantage is that in the absence of an accident, the driver is given a 5% discount, but the cost of the basic contract and bonus increases if the car owner is involved in an accident. In some situations, the driver cannot correlate changes in the OSAGO indicator and his driving history. A complaint is sent to Rosgosstrakh to clarify the reasons. If errors or inaccuracies are identified, a complaint is filed with Rosgosstrakh to restore the bonus.

What is the bonus malus coefficient?

The calculation of this indicator starts with the maximum 3rd class of possible accidents, at which the standard highest coefficient 1, which affects the amount of payments, is assigned. Changes are made depending on the number of accidents registered in the traffic police. When they were absent for the specified period, the indicator decreases by one line. If there are 1 to 4 road accidents during the year, the parameter increases.

The maximum KBM indicator brings a discount on the insurance premium up to 50%. The highest negative rate increases the parameters to 2.45%. That is, the amount of insurance more than doubles.

Section "Feedback" Rosgosstrakh

Important: Discounts are cumulative, providing careful car owners with significant financial preferences.

A citizen can independently check the KBM OSAGO on the basis of the Russian Union of Motor Insurers. In case of discrepancy between the calculation performed and the reality of compliance with driving rules, a claim is sent to Rosgosstrakh, a sample and an application to the organization are prepared according to a standard template. Each appeal is reviewed by the RSA.

Procedure for filing a complaint

Cases of filing a complaint with Rosgosstrakh

In some situations, car owners receive an agreement form in which financial indicators are entered at an inflated cost. Such a defect is eliminated and the entered values ​​are lowered. As a result, a price that is too high can be adequately reduced.

The KBM complaint established with the RGS reveals several reasons for the error:

• an error when entering bonus data by the insurance company manager;
• case of technical failure in the RSA program;
• breakdown of the unified RCA database, information is necessarily published on the main page of the official website of insurers, when agents automatically enter the average maximum indicator.

Important: One year is given to restore the KBM indicators after the policy is issued. After 12 months, the data is reset and the driver’s insurance history is formed taking into account the existing data.

Example of a complaint

Methods for reporting complaints

If an error is detected in the form sent for filling out, a complaint is filed with Rosgosstrakh or transferred to another “own” insurer:

• the document is sent in a special field on the official website of the insurance company in the “Feedback” section;
• handed over in person at the office;
• sent by courier or registered mail.

In case of a personal visit, it is imperative to get a mark on “your” copy about the date of appointment. In any case, indicate the date when it was sent to Rosgosstrakh or another insurance company.

Note: From December 1, 2015, the procedure for filing a complaint against the Investigative Committee has been simplified. It is from this date that the applicant only needs to submit a statement about the identified inaccuracies to the insurance company where the policy was issued.

What is the sample complaint against KBM under OSAGO and the application form

Unlawful cancellation complaint form

Any claim to Rosgosstrakh must be prepared taking into account the mandatory requirements for the specified data.

Their list includes:

• reason for referral;
• the amount of the proposed insurance is reported, which the insurance company planned to hide in the document;
• Attached are materials confirming the actual number of accidents.

Remember: There is no single template for such a document. The applicant himself determines what is beneficial for him to report for the revision of the MSC.

When sending to Rosgosstrakh, enter the following information:

• about the applicant’s personal data;
• the name of the insurance company is indicated;
• the duration of the contract is communicated;
• The essence of the problem that led to the cancellation of the MSC is reported in detail in free form.

In the event that a claim is filed against RGS Life (“RGS Life”), it is worth remembering that legally this organization has no relation to Rosgostrakh. If refused, a further complaint may be sent to the RSA or the Central Bank.

In the situation of using the portal of the Russian Union of Auto Insurers, the citizen’s appeal is sent in the section of the official website “Contact RSA”. For a claim to be considered, the following is required:

• fill out the official form located in this section;
• Send the finished material to the email address indicated on the page or deliver it in person.

The completed form must be personally delivered to the RSA office. It is located in Moscow, in house No. 4 on Lyusinovskaya Street.

If you receive a refusal to consider situations with a decision to file a complaint with Rosgostrakh regarding the parameters of the MTPL policy, the last step is to prepare an appeal to the Central Bank. Such an application is filled out on the official portal of this organization. All complaints sent and negative decisions received will need to be added to it.

What documents to attach

In order to file a complaint with Rosgosstrakh regarding the preparation of MTPL policy proposals, at each stage it is necessary to prepare a basic package of materials. In order not to receive a refusal from an employee of this company even at the stage of initial consideration, it includes:

• personal passport, which belongs directly to the policyholder;
• You will need to present the driver's licenses of all persons included in the policy;
• documents that confirm ownership of the vehicle;
• the list of documents must include a copy of the new form, which indicates the amount of the bonus that is erroneous from the motorist’s point of view;
• If the appeal includes a request for a refund of an overpaid insurance premium, it is required to provide details of the current account to which, if the issue is reviewed positively, the refunded overpaid amount will be transferred.

If refusals are received at each stage of referral for review of the decision to the RSA and the Central Bank, the initial set of materials is also attached. Depending on the stage, a written refusal form is added to it from the insurance company, from the RSA. For consideration, all stages of the challenge will need to be taken into account. Each time the complaint is reviewed by a new representative of the departments, who is required to immediately explain the reason for the possible error.

Important: Regardless of the outcome of the dispute, the insurance company will not reimburse the applicant for costs associated with hiring a courier, sending a registered letter, or using other forms of communication.

Options for who and where to submit a request to the Investigative Committee

During the initial application, the completed form is handed over to an authorized employee of the insurance company. This is how Rosgosstrakh Life court cases are handled.

At the moment, the RGS Life Court is losing to Rosgosstrakh, whose name was illegally used by this structure to provide insurance to citizens. When planning to complain specifically about this structure, it is important for the applicant to inform which insurance company the purchase of compulsory motor liability insurance was carried out. Due to the large number of citizen complaints about errors and unauthorized actions, it is assumed that “RGS Life” may change its legal name. According to the rules of current legislation, liability for violations committed when considering issues in court will remain.

When the applicant is fortunate enough to find himself in a controversial situation with this and other policyholders, the procedure for submitting a request to restore the size of the BMR is transferred to the authorized representative of the insurer.

On a note. According to the rules of office work, the secretary of the head or the assistant head has the right to register any incoming documents.

Often sales managers may try to accept documents. Such employees, in the absence of a proper section in the internal documentation of the structure, do not have the right to register incoming documents.

Having confirmed his authority, the representative of Rosgosstrakh:

• accepts incoming document;
• enters information about its official registration;
• makes an official copy for the applicant, which includes the incoming number, date of receipt and full name of the person who received it.

The fact of acceptance of the incoming document is recorded by the personal signature of the employee who issued it. If the deadline for consideration of the complaint is violated, the applicant can complain against the specialist, reporting a violation of the rules of document flow in organizations.

In conclusion, it is worth noting that it is recommended for every driver to monitor the bonus parameters and report violations upon receipt of the form. The cause of the error may be a system failure or human error. In the event that a complaint about a possible violation has not been filed, the earned discount will be canceled and next year will be considered when issuing an MTPL policy under those conditions that could only be challenged within 12 months.

Current legislation carefully regulates the procedure and rules of motor third party liability insurance ().

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In particular, the legislation also establishes the basic cost of purchasing such an insurance policy.

In addition, certain coefficients are provided that make it possible to receive certain discounts.

In particular, vehicle owners can receive certain discounts for accident-free driving of the vehicle.

This means that the owner of a vehicle can take out a compulsory motor liability insurance policy at a lower price if he was not at fault for the accident in the previous year. And every year the size of the discount will increase.

But in practice, there are cases when the insurance company does not take into account the accident-free driving ratio (AFR) and charges the client a higher fee.

In such a situation, the client can file a complaint and demand the MSC teachings in the implementation.

Reasons for filing complaints

As mentioned above, in practice there are cases when, for some reason, the insurance company requires the client to pay a higher cost of the MTPL policy.

A similar situation may arise in cases where the insurance company does not take into account the KBM coefficient at all.

In such a situation, the client is required to pay the base cost of the MTPL policy in the event that he can receive a certain discount.

The second case common in practice is a defect. In this case, the insurance company, when calculating the cost of the MTPL policy, takes into account the KBM coefficient, but not in full.

For example, a client may receive a 10% discount, but the insurance company only gives him a 5% discount. This is also the basis for writing a corresponding complaint.

The client can check the correctness of the calculation of the cost of the MTPL policy independently and if an error is detected, he can write a corresponding application to the insurance company and demand the return of part of the paid amount, if, of course, he has concluded the appropriate insurance agreement.

How to write

How can you write a corresponding statement? First of all, you need to know that the client can contact both the insurance company and the Russian Union of Auto Insurers (RUA).

Of course, if errors and omissions are discovered, it is advisable to first write a corresponding statement to the insurance company.

Only after receiving a written refusal from the insurance company can you safely contact the RSA.

The complaint, which is submitted directly to the insurance company, can be drawn up in any form.

Of course, some insurance companies have developed complaint forms for citizens, but a citizen can independently compile the text of the complaint.

But the text of the complaint must include the following information:

• applicant details (full name, passport details and address);
• vehicle data;
• date of contact with the insurance company;
• date of conclusion and number of the insurance policy (if, of course, the client decided to use the services of this insurance company);
• calculation of the cost of the MTPL policy according to the client’s opinion;
• the amount of the amount that must be returned (if, of course, the client has entered into an appropriate agreement with the insurance company);
• link to the relevant regulations and rules (this item can be completed at the client’s request).

If the complaint is sent to the RSA, then you must use the complaint form they have established, which is described below.

Complaints sent directly to the insurance company must be sent by certified mail, return receipt requested. It can also be delivered directly to the insurance company's office.

In this case, it is necessary to draw up 2 copies of the application, on one of which an employee of the insurance company makes a corresponding entry, which confirms the fact and time of receipt of the complaint.

Very often, clients file a complaint with Rosgosstrakh OSAGO KBM, a sample of which can be found on the Internet. This is due to the fact that it is this company that most often violates the rights of the client.

Sample complaint against KBM under OSAGO

As mentioned above, if a complaint is submitted to the RS, then the citizen must use the established form. This form can be downloaded from the company website.

At the same time, you can fill out the form not only with a pen: you can download it, enter the text of the complaint on the form, print it and sign. Both application options are acceptable.

The text of the complaint contains the following information:

• applicant's details (full name, passport details, address, contact phone number);
• name of the insurance company;
• number of the case that was opened in this company;
• insurance claim number;
• essence of the problem;
• consent to the use and development of personal data.

In the “essence of the problem” section, it is necessary to carefully describe the problem, making reference to the relevant rules and regulations. It is also necessary to indicate the driver's date of birth, as well as the driver's license number.

This is done so that in the future, when considering the complaint, the RSA can obtain information about the size of the KBM.

Below is an example of a complaint against KBM under OSAGO, which is presented to the RSA.

Where to write

As mentioned above, you must first submit a written complaint directly to the insurance company. The procedure for submitting a written complaint is indicated above.

But the complaint can also be filled out at the insurance company branch: as a rule, many insurance companies have developed complaint forms.

As a rule, the applicant receives a response from the insurance company within 5-10 days from the date of filing the complaint.

If the response received does not satisfy the applicant, he can contact the RSA. At the same time, citizens can submit a complaint not only in writing, but also electronically. According to OSAGO online complaints against KBM are submitted through the RSA website. Both options are acceptable.

In addition, citizens can independently contact the RSA. To do this, they must first clarify the days and hours during which they can contact the RSA to file a complaint about the unlawful use of the KBM.

For example, in Moscow, citizens can apply on Tuesday and Thursday, respectively from 15:00 to 18:00 and from 9:00 to 12:00. In each city you need to check the hours for reception.

You can also write a complaint to the Central Bank of the Russian Federation.

If the steps taken are unsuccessful, then the citizen can file a claim in court.

Of course, this is the most difficult procedure, since the trial can take several months, but generally the courts make decisions in favor of citizens, if, of course, the plaintiff’s demands are justified.

When drawing up a statement of claim, it is necessary to pay special attention to the relevant regulations that govern this area of ​​legal relations, since the statement of claim must comply with certain procedural requirements.

If the statement of claim has been drawn up in accordance with all legal requirements, the court will accept it for consideration and schedule a hearing. As a rule, a decision in such cases is made after several court hearings.

If the court decision does not satisfy the vehicle owner, he can appeal it. To do this, it is necessary to draw up a complaint and present it to a higher court. Of course, in this case the procedure will be delayed.

If the owner of a vehicle finds himself in a similar situation, it is advisable to seek help from a qualified and experienced specialist who can protect his rights and legitimate interests.

In particular, a qualified lawyer will draw up a legally competent claim, provide legal representation, and, if necessary, appeal the court decision to a higher court.

What documents to attach

Of course, a complaint is the basis for starting the corresponding procedure, but in addition to the complaint, it is also necessary to present a certain package of documents.

In particular, the following documents must be presented:

• applicant's passport;
• driver's license.

This is only the minimum package of documents that are necessary to consider the complaint. But in addition to these documents, others may be required.

For example, if instead of the applicant the BMR was calculated incorrectly for another driver, then in this case it is also necessary to present a copy of the passport and driver’s license of this citizen.

If the owner of the vehicle paid for and purchased a compulsory motor liability insurance policy and only after that discovered an error in calculating its cost, then in this case it is also necessary to present a copy of the insurance policy.

This is the main list of documents required to file a complaint with the RSA. If at least one of the documents is not presented, the complaint will not be considered. Accordingly, it is necessary to pay special attention to the attached documents.

If the applicant decides to draw up a statement of claim, then in addition to the above documents it is also necessary to present additional papers.

Additional papers include written responses from the insurance company and the RSA, which did not suit the applicant, as well as a copy of the statement of claim.

Registration

The submitted complaint goes through a certain registration procedure. If it was presented by mail, then it is sent first to the department that is responsible for document flow.

After this, the complaint is sent to the appropriate department, which is responsible for writing responses to citizens’ appeals.

If the complaint was submitted by the applicant himself directly to the RSA, then the relevant employee checks the complaint and the documents attached to it.

If everything was drawn up correctly, then a corresponding entry is made on the second copy of the application, which confirms the fact that the citizen’s complaint was accepted.

The statement of claim is also subject to registration. Essentially the procedure is the same. In this case, the relevant department of the court accepts the presented statement of claim and the documents attached to it, draws up a corresponding case with an individual number and sends it to the judge.

If the statement of claim was drawn up in accordance with all legal requirements, then in this case the court accepts the statement of claim for consideration.