Making out the contract OSAGO, many drivers perceive it as a necessity, and not as insurance, without really expecting to receive any money in the event of an insured event. This is mainly due to the bad faith of individual insurance companies that refuse to pay customers, or by all possible means reducing them to the minimum amount.
Unfortunately, it is not uncommon for customers who apply for an auto insurance policy to receive compensation at times less than the cost of repairing cars. This is largely due to the calculation of depreciation in compulsory motor TPL insurance, which is quite legal for insurance companies. According to the existing legislation, insurers have the right to calculate depreciation for OSAGO in such a way that it does not exceed 0.8 of the cost of new parts. Thus, it turns out that the insurer has the right to pay only 20% of their real value, what they use, trying to take into account the wear to the maximum.
However, if the law on OSAGO is read carefully (in the part where it is precisely the calculation of the depreciation of MTPL), it turns out that insurers do not always have the right to apply maximum coefficients. In particular, the coefficient will depend on how many years the car is insured, in which country it was manufactured and whether the damaged part was changed before (in the latter case, the calculation of depreciation for OSAGO for a particular part is made taking into account its age, not the age of the car itself).
Moreover, the law stipulates that some spare parts are paid without taking into account wear. If the insurers did not take into account this rule when calculating the refund, it turns out that they violated the law, and the client has the right to demand a higher payment in court.
Most negligent insurance companies use the fact that their clients are not familiar with the law on OSAGO and do not have the opportunity to carefully study it. If the client, after acquainting himself with the calculation of damage, shows his knowledge and asks on what basis such a high coefficient of wear was applied , it is likely that the insurance company will recount without litigation and unnecessary words. So, when contacting an insurance company, the client should behave better as an insurance specialist, even if this fact does not correspond to the truth.
When choosing an insurance company, even for compulsory insurance, one should proceed not from the minimum tariffs (now there is a special calculator on the website of almost any insurer that allows the client to independently calculate auto insurance), but from the company's rating, customer feedback and personal experience. If you choose a good insurer with a solid reputation that values its customers, then the calculation of depreciation for OSAGO will be carried out correctly and legally. In this case, the client can be calm that he will not be deceived when calculating the damage, but still do not lose vigilance - it is better to check what they write in the conclusion, before signing it. Vigilance to the client will never interfere, especially if it is a question of financial issues, such as getting an insurance payment.