Where should I complain about the insurance company for OSAGO?

Judging by the many comments that can be found on the Internet, it becomes clear that not all motorists in Russia know where to complain about the insurance company if their legal rights have been violated. And this happens both in matters of compulsory and voluntary insurance.

At the same time, people, faced with similar problems, threaten to sue and deal with negligent UK. But do not forget that for this development of events will require not only money, but also time, and, unfortunately, nerves. Therefore, consider where to complain about the insurance company, without bringing the matter to court.

First steps

Sometimes it is very easy to understand the situation. After all, the insurance company consists of employees. And if illegal actions of one of them led to the violation of the rights of the car owner, the SC itself is the first instance to complain about the insurance company. Rosgosstrakh, Reso-guarantee or any other SC must give a written response. If you received a refusal or you were not answered at all, then you need to complain further. It is better if you have a notice about sending a complaint to the insurance company.

TSB RF

Supervises the activities of auto insurers is currently the only state institution, which has the corresponding responsibilities. She also owns the function of issuing licenses to insurance companies. This organization is the Central Bank of Russia. His duties also include the installation of OSAGO tariffs and spare parts directories. The Central Bank checks the financial soundness of insurance companies. If necessary, he can suspend the license, or even withdraw it. Moreover, the Central Bank in recent years has often appointed interim management to those companies that it considers problematic.

How does it help policyholders?

It turns out that Russian insurers are completely dependent on the Central Bank. Thus, it is he who is the main authority where to complain about the insurance company, if necessary.

If you accurately and correctly formulate and forward a written claim, you will soon receive an answer and see the measures taken with regard to the insurance company. Among sanctions, the UK can expect a large fine.

FAS

The Federal Antimonopoly Service is another institution that is endowed with duties of control over insurers and one more instance where to complain about the insurance company. FAS often punishes auto insurers, if the latter violate the law, including those relating to compulsory motor TPL insurance.

Probably, most, if not all car owners, are familiar with imposing additional services of motor third-party liability. It is necessary to look through the websites about insurance, and you can find solid penalties imposed on insurers in this regard. A significant amount will have to lay out the company that will be caught selling diagnostic cards or imposing life insurance when acquiring an insurance policy.

Of course, usually in the UK they do not agree to pay a fine and try to appeal the decision in a judicial procedure. But in most cases such cases are obviously losing for them. Therefore, you still have to pay. Thus, insurance companies have a powerful incentive to ensure that it is more profitable to render services qualitatively than to constantly risk and be caught in illegal actions.

Thus, another option of where to complain about the insurance company for OSAGO, is the FAS, if there are problems in the acquisition or extension of the contract. Moreover, it is in this state institution that you should apply in case you are being forced to provide additional services when you make a car loan. At the same time, do not forget that here, as, indeed, for other instances, you need to find evidence to bring the SC to justice.

SAR

The Russian Union of Auto Insurers is a professional association of insurance companies. The main purpose of the creation of this non-profit organization was to control the activities of its participants and the implementation of insurance legislation. However, in practice, its activities turned out to be somewhat different. RSA pays compensation for those insurance companies that have their licenses revoked. This is a very effective help for many car owners. But at the same time it is worth considering that the management of the organization consists of the main persons of the largest insurance companies. Therefore, complaints can be considered by the same companies on which they are submitted.

BCC

Another organization, called the All-Russian Union of Insurers, has similar problems with the previous one. Proceeding from the main tasks, which are advertised by these organizations, it becomes clear where one can complain about the work of the insurance company. At the same time, the question arises as to how objective complaints will be considered.

Of course, they will accept them. However, there is every reason to doubt the effectiveness of such measures of influence on insurance companies. Having studied the practice, it can be concluded that complaints to state instances will be much more effective than written appeals to associations of insurance companies.

But are they helping something?

Nevertheless, it is impossible not to mention the assistance that car owners receive from professional associations of insurers. And although the main support is informational, but even it can be very effective. On the site, for example, all laws and other regulatory acts concerning the sphere of auto insurance are specified. Here you can find other useful information.

You can calculate how much the future policy of compulsory insurance will cost. Also on the site are directories, where the cost of spare parts is indicated. This will allow you to calculate the most accurate amount of money for all the details necessary for the restoration work that is required by the car after the accident.

But it is obvious that this is not the place where you should complain about the insurance company for VHI or life insurance if these services are imposed when buying a policy.

Rospotrebnadzor

Is it possible to count on the help of Rospotrebnadzor if there are controversial situations between the insurer and the insured? Based on the essence of the policy, the car owner is the consumer. That is why the authority has the right to help them. And such facts were when the organization stood up for the rights of car owners.

The Ministry of Finance, in turn, with problems with compulsory motor TPL insurance or imposing additional insurance has its own recommendations as to where to complain about the work of the insurance company. Complaints, based on these recommendations, should be submitted only to the Central Bank. At the same time, car owners can apply to Rospotrebnadzor.

If nothing helps

In addition, there is another powerful instance. This is the prosecutor's office. Its employees are obliged to react to violations of the rights and freedoms of car owners. This is the place where you can complain about the insurance company for CASCO or OSAGO. But only if there is no evidence of guilt of the company, then it is useless to go there. Evidence can be, for example, the testimony of eyewitnesses of violations. In addition to complaints on CASCO and OSAGO, you can also complain about the incorrect behavior of employees of the UK, for example, if there was a rough appeal to clients. In this case, offenders can expect a substantial administrative penalty.

Conclusion

Thus, it turns out that despite the official recommendation to complain about auto insurers only to the Central Bank of the Russian Federation, there are many instances where car owners can complain in case of violation of their rights.

When choosing where to go, proceed from what kind of violation was recorded against you. It is also desirable that the complaint be supported by evidence. Then you can not get out of insurance company.