Thursday , September 29 2022

A car with more expensive insurance if the owner has a lot of violations



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Crash with the killer = the most expensive police for the culprit

The smallest punishment is to demolish the office

The class that defines the risk not only gets a driver but a car

And car drivers who have accumulated many disorders on the road have more expensive third-party liability insurance.

This provides for a Financial Supervision Regulation for a public hearing.

A risk assessment class will get not only the driver but also the car. If it is sold, but owned by an undisciplined driver, the new owner will have to pay a more expensive policy, even if it is without disturbance.

The article was proposed to avoid fraud in insurance where the car is sold fictitiously so as not to pay expensive insurance, and then used by the previous owner, said the deputy chief of FSC Vladimir Savov. (See below).

The collapse of the killed or wounded, as well as the escape from the crime scene, is the worst offense in the Bonus-Malus system, says the Order.

They carry 19 penalty points that send the driver directly to the most risky category. That would make his policy more expensive by 400%.

The draft was adopted by the Financial Regulator in the first reading. He wants

Came into power

after debate and

most likely

to change before the final vote.

The smallest are the punitive measures of acceleration of 10-30 kilometers outside the settlement.

At the beginning of the system from January 1, 2019, all drivers, owners and cars get a basic class – eight. This means that next year, the cost of policy will be the standard, which in most companies expects to move around 300 leva.

If within 12 months the owner of the vehicle did not cause accidents in a traffic accident, next year will go to the lower class and get a discount of 10%. Then, then

violate from

the price slows down

– per 1%

years

maximum 25%

Steps that disturb traffic points on the road and cost more insurance are much steeper – from the 10th to the 12th grade, the price is added to 10%. For 30%, shelf between grades 12 and 20 is higher.

However, every year with no injuries, it will have only one bonus point. Therefore, undisciplined drivers will need years to return to standard insurance rates.

Vladimir Savov: There will be no accumulation of bonus or malus points, says the Deputy Chairman of FSC "Insurance Supervision"

– Will drivers who buy a car with many violations, Mr. Sovov?

– The draft rulebook provides for the car to be transferred with its bonus-malus class. This means that if the vehicle is damaged or damaged, it will be transferred to the Malus class. If the vehicle owner has a lot of misdemeanor, but is not charged with a particular car, the new owner will not be burdened with the owner's malice during the transfer.

– Why is this rule introduced? Do not you punish such fair drivers for other crimes?

– The bonus-malus class transfer rule is designed to limit the system bypassing the vehicle with offenses committed by the owner fictitiously transferred to another person with the same driver history, and then the old owner continues to use the car. An additional result, which should have a preventative effect, is that cars with many offenses will become difficult to sell, and their owners will still have to provide for them. All this should create a motivation for careful driving and avoiding disturbances and accidents. Moreover, given that the offenses that are starting to affect others will affect the class of cars, the owners of such cars will have the motivation to be careful about who their cars are and who do not work recklessly.

– Does the transfer principle have a less expensive class?

– The principle is the opposite. Less favorable class will apply. If a tenth-year owner purchases a car in eleven grades, grade 11 will apply when entering a third-party insurance. If he owns the twelfth grade and bought a car of the tenth or eleventh grade, his twelfth grade will be applied, even though the purchased car is smaller.

– Do any Malus or Bonus points accumulate?

– The project foresees that each violation has special points for malus. This means that, for example, whenever a speed violation occurs and this is determined by a penalty decree or table for the appropriate sanction, the number of malus points will be charged as many times.

– And when is the maximum?

– At the same time, if the minimum or maximum scale is reached, more points will not accumulate. Since the draft regulation sets a mechanism that encourages drivers to behave on the roads without risk, nor do they create artificial comfort in the accumulation of too many points, nor discourage individuals from being unable to return the lower premiums.

– Explain to the case.

– For example, if a person reaches one grade for a bonus and has been in this class for several consecutive years, he will be charged with the appropriate penalty points in the event of an accident or an administrative offense when driving a car. Accumulation is not intended to allow drivers to drive their cars in good faith and not to think that taking bonus points could drive without recklessness. Similarly, when a person reaches the 20th grade for malus, it usually takes 12 years to return to the base of the 8th grade and 19 years to reach the most privileged class 1. In case of accumulation of new points for malus, essentially Malus classes can become endless and therefore a person does not have the incentive to correct his behavior as a guide.

– How is the problem with car leasing solved?

– The project envisages that a higher bonus-malus class than that of a motor vehicle or leaseholder – a physical person registered in the vehicle registration certificate, applies if the vehicle is used under a leasing contract. For example, if the leasing vehicle is a new and basic class applied to it, but the lessee is in class 12 for Malus, then the higher class 12 will be applied at the time of insurance.

– And in a car with a lot of guides?

– In this case, the injuries sustained by each driver affect the bonus class of the car. However, if some of the drivers are owners, the insurance will also take over its own personal class if it is higher.

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