Compulsory Insurance Of Civil Liability Of Vehicle Owners

Original Language Title: Об обязательном страховании гражданской ответственности владельцев транспортных средств

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                      RUSSIAN FEDERATION FEDERAL ACT Obobâzatel′nom insurance otvetstvennostivladel′cev vehicles Passed GosudarstvennojDumoj April 3, 2002 year Approved SovetomFederacii 10 April 2002 (as restated.  Federal law dated June 23, 2003  N 77-FZ collection zakonodatel′stvaRossijskoj Federation, 2003, N 26, art.
2566; Federal law dated December 29, 2004 N 199-FZ-collection of laws of the Russian Federation, 2005, N 1, art. 25;
Federal law dated July 21, 2005 N 103-FZ-collection of laws of the Russian Federation, 2005, N 30, art. 3114;
Federal law dated November 25, 2006 N 192-FZ-collection of laws of the Russian Federation, 2006, no. 48, art. 4942;
Federal law dated December 30, 2006  (N) 266-FZ-collection of laws of the Russian Federation, 2007, N 1, art. 29;
Federal law dated December 1, 2007 N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, St. 6067;
Federal law dated July 23, 2008 N 160-FZ-collection of laws of the Russian Federation, 2008, no. 30, art. 3616;
Federal law dated December 25, 2008  N 281-FZ-collection of laws of the Russian Federation, 2008, no. 52, art.  6236;
Federal law dated December 30, 2008  N 309-FZ-collection of laws of the Russian Federation, 2009, N 1, art. 17;
Federal law dated February 28, 2009 N 30-FZ-collection of laws of the Russian Federation, 2009, N 9, art. 1045;
Federal law dated December 27, 2009  N 344-FZ-collection of laws of the Russian Federation, 2009, no. 52, art. 6420;
Federal law dated December 27, 2009  N 362-FZ-collection of laws of the Russian Federation, 2009, no. 52, art. 6438;
Federal law dated February 1, 2010 N-3 FZ-collection of laws of the Russian Federation, 2010, N 6, art. 565;
Federal law dated April 22, 2010  N 65-FZ-collection of laws of the Russian Federation, 2010, N 17, art. 1988;
Federal law dated December 28, 2010  N 392-FZ-collection of laws of the Russian Federation, 2011, N 1, art.  4;
Federal law dated February 7, 2011  N 4-FZ-collection of laws of the Russian Federation, 2011, N 7, art. 901;
Federal law dated July 1, 2011 N 170-FZ-collection of laws of the Russian Federation, 2011, N 27, art. 3881;
Federal law dated July 11, 2011 N 200-FZ-collection of laws of the Russian Federation, 2011, N 29, art. 4291;
June 14, 2012 federal law N 78-FZ-collection of laws of the Russian Federation, 2012, N 25, art. 3268;
Federal law dated July 28, 2012 N 130-FZ-collection of laws of the Russian Federation, 2012, N 31, art. 4319;
Federal law dated July 28, 2012 N 131-FZ-collection of laws of the Russian Federation, 2012, N 31, art.  4320;
Federal law dated May 7, 2013  N 104-FZ-collection of laws of the Russian Federation, 2013, no. 19, art. 2331;
Federal law dated July 23, 2013 N 251-FZ-collection of laws of the Russian Federation, 2013, N 30, art.  4084;
Federal law dated July 21, 2014 N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224;
Federal law dated November 4, 2014  N 344-FZ-collection of laws of the Russian Federation, 2014, (N) 45, St.  6154;
Federal law dated November 28, 2015 N 349-FZ-collection of laws of the Russian Federation, 2015, N, St. ) in order to protect the rights of victims to reparation for the injury caused to their life, health or property when using vehicles other persons, this federal law defines legal, economic and organizational foundations of compulsory insurance of civil liability of vehicle owners (hereinafter compulsory insurance), as well as on the territory of the Russian Federation civil liability insurance for motor vehicles owners in the international systems graždanskojotvetstvennosti insurance for motor vehicles owners is a member of the Professional Association of insurers, acting in accordance with this federal law (hereinafter referred to as the international insurance system) (as amended by the Federal law dated July 21, 2014
N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224). Chapter i. Obŝiepoloženiâ Article 1. Osnovnyeponâtiâ for the purposes of this federal law uses the following concepts: TransportMeans device designed for the carriage by road of persons, goods or equipment installed on it;
     ispol′zovanietransportnogo means the operation of the vehicle, associated with his movement within the highways (road traffic), as well as the adjacent iprednaznačennyh vehicles (in the courtyards, in residential areas, stoânkahtransportnyh means, petrol stations and other territories). Maintenance of equipment installed on the vehicle and is not directly associated with the participation of the vehicle in road traffic, is not using the vehicle;
     transportnogosredstva owner-the owner of the vehicle, and possession of takželico transport sredstvomna the right of economic conducting or the right of operative administration or on other lawful grounds (right of lease, power of Attorney for the right to drive a vehicle, the disposal of the relevant body for transfer that person vehicle, etc.).  The vehicle owner is not the person driving the vehicle in the performance of their official duties or employment, including on the basis of the employment or civil law contract with the owner or any other owner of the vehicle;
     the driver is a person who drives the vehicle. When driving training driver training is considered to be a person;
     an aggrieved person, the life, health or property which was damaged vehicle interference when a person, including a pedestrian, the driver of the vehicle and the injured passenger vehicle-party accident (except for persons recognized as victims in accordance with the Federal law "on compulsory insurance of civil liability of perevozčikaza damage to life, health or property of passengers and on compensation for such harm caused during the transport of passengers by underground") (as restated by federal law 1 dekabrâ2007 N 306-FZ-collection of laws of the Russian Federation , 2007, no. 49, St.  6067; Federal law dated 14 June 2012, 2011.  N 78-FZ-collection of laws of the Russian Federation, 2012, N 25, art.
3268);
     place of residence (location) of the victim-defined in accordance with the civil zakonodatel′stvommesto of residence of a citizen or location of a legal entity recognized by the victims;
     obâzatel′nogostrahovaniâ Treaty of civil liability of vehicle owners (hereinafter referred to as the contract of obligatory insurance) is an insurance contract under which the insurer undertakes for the due fee contract (strahovuûpremiû) when provided for in the treaty event (strahovogoslučaâ) to compensate the victims caused by this event, vredih life, health iliimuŝestvu (perform an insurance indemnity) within a certain contract amount (sum insured).  Compulsory insurance contract is concluded in the manner and under the conditions prescribed by this federal law and is public;
     the insured person who enters into a contract of compulsory insurance contract with the insurer;
     the insurer-insurance organization that is entitled to carry out compulsory civil liability insurance of owners of motor vehicles in accordance with the resolution (license) issued by the vustanovlennom laws of the Russian Federation (as amended by the Federal law dated July 23, 2013 N 251-FZ-collection of laws of the Russian Federation, 2013, no. 30, art. 4084);
     insurance-civil liability of a car owner for damage to life, health or property of victims when using the vehicle, entailing, in accordance with the contract of compulsory insurance of the insurer's obligation to carry out insurance payment (as amended by the Federal law of December 1, 2007 N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, p. 6067);
     insurance rates-price rates established in accordance with this federal law applied by insurers when determining insurance premium under the contract of compulsory insurance and consisting of base rates and ratios;
     compensation payments, which are carried out in accordance with this federal law in cases where the insurance benefit under the contract of compulsory insurance or reimbursement to an insurer, has a direct compensation for damages in accordance with the agreement on direct damages, concluded in accordance with article 26-1 this Federal′nogozakona to indemnity cannot be implemented (as amended by the Federal law dated July 21, 2014  N 223-FZ collection

the legislation of the Russian Federation, 2014, N 30, art. 4224);
     representative of the insurer in the constituent entities of the Russian Federation (hereinafter referred to as the representative of the insurer)-a separate subdivision of the insurer (branch) in the constituent entities of the Russian Federation, vypolnâûŝeev provided by civil law limits the authority of the insurer claims victims on insurance claims and (or) direct damages, as well as for their implementation, or another insurer, joined agreement on direct damages and in osnovaniizaklûčennogo with the insurer of the Treaty powers claims victims on insurance claims and to implement them on behalf and for the account of the insurer , zastrahovavšego civil liability of the person who has caused harm, and (or) the Authority claims for direct damages and for the implementation of the vyplatot name and for the account of the insurer, zastrahovavšego civil liability of the victim (as amended by the Federal law dated July 21, 2014.  N 223-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 30, art. 4224);
     direct compensation-compensation for damage caused to the victim, exercised in accordance with the nastoâŝimFederal′nym Act, the insurer who has insured civil liability of the victim-the owner of the vehicle (paragraph added by Federal′nymzakonom December 1, 2007  N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, St.
6067; in red.  Federal law dated February 1, 2010  N 3-FZ-collection of laws of the Russian Federation, 2010, N 6, art.
565);
     direction of repair-the document confirming the right of the victim to the refurbishment of its transportnogosredstva on selected victims in agreement with the insurer service stations from a number of service stations with which the insurer contracts that establish the obligation of service stations to carry out refurbishment of vehicle injured and the insurer's obligation to pay for the repair vsčet insurance payment (paragraph added by federal law from 21 iûlâ2014 N 223-FZ-collection of laws of the Russian Federation , 2014, N 30, art. 4224);
     uregulirovanietrebovanij arising in connection with insurance in the international insurance systems, claims of victims, national associations of insurance companies from other countries and other participants in the international insurance systems insurance claims arising from traffic accidents injury vehicles owners, whose responsibility is insured in the international insurance systems, and if as a result of this review, no decision on refusal, insurance payments, as well as reimbursement to the person or persons which, in accordance with this federal law, the requirements of the international insurance systems, rules of professional activities Professional Association strahovŝikovosuŝestvili the insurance payment (paragraph added by federal law from July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224). Article 2. The legislation of the Russian Federation on obâzatel′nomstrahovanii of civil liability of vehicle owners 1. the legislation of the Russian Federation on compulsory insurance of civil liability of owners of vehicles consists of the Civil Code of the Russian Federation, this federal law and other federal laws and issued in accordance therewith other normative legal acts of the Russian Federation.
     2. If an international treaty of the Russian Federation stipulates other rules than those predusmotrenynastoâŝim federal law, rules of the international treaty shall apply.
 
     Article 3. Osnovnyeprincipy Basic compulsory insurance principamiobâzatel′nogo insurance are: garantiâvozmeŝeniâ for damage caused to life, health or property of victims, within the limits established by this federal law;
     universal and mandatory insurance of civil liability of owners of vehicles;
     nedopustimost′ispol′zovaniâ on the territory of the Russian Federation vehicles whose owners have not executed the present Federal law obligation on its civil liability insurance;
     èkonomičeskaâzainteresovannost′ vehicle owners in improving road safety.
 
     Chapter II. Iporâdok obâzatel′nogostrahovaniâ implementation conditions Article 4. Obâzannost′vladel′cev vehicle strahovaniûgraždanskoj responsibilities 1. Vehicle owners are required to under the conditions and in accordance with this federal law and kotoryeustanovleny in accordance with it, to insure the risk of its civil liability that may occur as a result of the injury to the life, health or property of other persons when using vehicles (as amended by the Federal law of December 1, 2007 N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, p. 6067).
     Obligation on insurance of civil responsibility extends to all of the owners in the territory of the Russian Federation vehicles, except as provided in paragraphs 3 and 4 of this article.
     2. in the event of vehicle ownership (acquisition of ownership, in economic management or operative management and so on) the owner of a vehicle is obliged to insure their civil liability before the registration of the vehicle, but not later than ten days after the emergence of the right vladeniâim (in red.  Federal zakonaot July 1, 2011  N 170-FZ-collection of laws of the Russian Federation, 2011, N 27, art. 3881). 3. Responsibility for liability insurance does not cover: (a) the owners) transportnyhsredstv, maximum konstruktivnaâskorost′ which is no more than 20 kilometers per hour;
     b) of vehicles for which their technical characteristics is not subject to the provisions of the legislation of the Russian Federation for admission of vehicles in road traffic kučastiû on the territory of the Russian Federation;
     in sredstvVooružennyh) forces of the Russian Federation, other troops, military formations and organs, which provide for military service, except for buses, cars and trailers, other vehicles are used to provide economic deâtel′nostiVooružennyh forces of the Russian Federation, other troops, military formations and organs (as amended by the Federal law dated June 23, 2003 N 77-FZ collection zakonodatel′stvaRossijskoj Federation, 2003, N 26 , art.
2566);
     g) vehicles registered in foreign countries, esligraždanskaâ the responsibility of the owners of such vehicles is insured by the international systems security (as amended by the Federal law of December 1, 2007  N 306-FZ-Sobraniezakonodatel′stva Russian Federation, 2007, no. 49, St.  6067; Federal law dated July 21, 2014 N 223-FZ collection zakonodatel′stvaRossijskoj Federation, 2014, N 30, art.
4224);
     d) belonging to citizens of trailers for passenger cars (sub-item (e) was introduced by the Federal law of December 1, 2007  N 306-FZ-Sobraniezakonodatel′stva Russian Federation, 2007, no. 49, St. 6067);
     e) vehicles not having wheeled engines (vehicles, vkonstrukcii which tracked, semi-tracked, toboggan iinye nekolesnye propellers), and trailers for them (subpoint "f" was introduced by the Federal law of 21 iûlâ2014 N 223-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 30, art. 4224).
     4. the duty of the postrahovaniû civil liability does not apply to the owner of the vehicle, whose risk of liability is insured in accordance with this federal law by another person (the insured).
     5. the owners of the vehicles to insure their civil otvetstvennost′v accordance with this federal law, mogutdopolnitel′no in the voluntary form to carry out insufficient insurance insurance compulsory insurance payments for full reparation for damage caused to life, health or property of victims, as well as in the case of non-liability insurance compulsory insurance risk (paragraph 2 of article 6nastoâŝego of the Federal law).
     6. the owners of the vehicles, the risk of liability which is not insured in the compulsory and/or voluntary insurance shall compensate for the damage caused to the life, health or property of victims, in accordance with civil law.  When ètomvred caused to life or health of the victim shall be compensated in the amount not less than the dimensions defined in accordance with article 12 hereof, and pravilamukazannoj articles (as amended by the Federal law dated July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224). persons narušivšieustanovlennye this federal law requirements on civil liability obâzatel′nomstrahovanii

owners of vehicles shall bear responsibility in accordance with the legislation of the Russian Federation.
     7. the obligation of insurance of civil liability of owners of trailers to vehicles, except citizens owned trailers for passenger cars is executed through the conclusion of the contract of compulsory insurance, envisaging the possibility of upravleniâtransportnym means the trailer to it, information about what is entered in the insurance policy of compulsory insurance (item 7 was introduced from Federal′nymzakonom July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224). Article 5. Pravilaobâzatel′nogo insurance 1. How to implement certain this federal law and other federal laws the rights and obligations of the parties under the Treaty obâzatel′nogostrahovaniâ establishes 0Central′nym Bank of the Russian Federation (hereinafter-the Bank of Russia) in the rules of compulsory insurance (in red.  Federal law dated July 23, 2013  N 251-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4084). 2. The rules of compulsory insurance, along with other provisions include the following provisions: (a)) the order of the conclusion, alteration, extension, early termination of a contract of compulsory insurance;
     b) order uplatystrahovoj award;
     in action) a list of persons in the implementation of compulsory insurance, including upon the occurrence of an insured event;
     g) procedure to determine the size of recoverable damages and implementation of insurance payments (as amended by the Federal law dated July 21, 2014 N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224);
     d) razrešeniâsporov order on compulsory insurance.
     3. the rules of compulsory insurance also may contain provisions of this federal law and other federal laws that define the terms of a contract of compulsory insurance.
     (Article 5 as amended by the Federal law of December 1, 2007 N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, p. 6067) article 6. Insurance and Ob″ektobâzatel′nogo insurance risk 1. The object of compulsory insurance is a property interest, the associated sriskom the vehicle owner civil liability for obligations arising from harm to life, health and property of victims when using the vehicle on the territory of the Russian Federation.
     2. the insured risk include compulsory insurance civil liability for the obligations specified in paragraph 1 of this article, except liability arising from: a) causing harm when using a vehicle than that specified in the contract of compulsory insurance;
     b) harm or pričineniâmoral′nogo duty of reparation of profits;
     in) harm interference when vehicles during competitions, tests or training ride in specially designated areas;
     g) zagrâzneniâokružaûŝej Wednesday (as amended by the Federal law of December 30, 2008  N 309-FZ-collection of laws of the Russian Federation, 2009, N 1, art. 17);
     d) causing vredavozdejstviem cargo, if the risk of such liability is subject to compulsory insurance in accordance with the law on the appropriate form of compulsory insurance;
     e) causing harm to life and health of employees in the performance of their duties, if the damage shall be compensated in accordance with the law on the appropriate form of compulsory insurance or compulsory social insurance;
     f) duty to reimburse the employer for damages caused by injury to the employee;
     w) causing harm driver managed imtransportnomu and trailer to it being their cargo on them equipment and inomuimuŝestvu (in red.  Federal law dated December 1, 2007  N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, St. 6067);
     and) causing harm during the loading of the cargo on the vehicle or the unloading (as restated by federal law 1dekabrâ, 2007.  N 306-FZ-Sobraniezakonodatel′stva Russian Federation, 2007, no. 49, St. 6067);
     the antique iliuničtoženiâ) damage and other unique items and buildings with historical and cultural value of precious metals and precious and semi-precious stones, cash, securities, objects of a religious nature, as well as proizvedenijnauki, literature and art, and other objects of intellectual property;
     l) (Podpunkt"l" lost effect on the grounds of the Federal law dated July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224) m) causing vredažizni, health, property of passažirovpri their transport if the damage shall be compensated in accordance with the legislation of the Russian Federation on compulsory insurance of civil otvetstvennostiperevozčika for damage to life, health, imuŝestvupassažirov (item "m" was introduced by the Federal law of June 14, 2012  N 78-FZ-collection of laws of the Russian Federation, 2012, N 25, art. 3268). in case of a civil liability of owners of vehicles in the cases referred to in this paragraph the injury shall be compensated in accordance with the legislation of the Russian Federation.
 
     Article 7. Strahovaâsumma the insured amount, business which the insurer upon occurrence of each insured event (regardless of their number during the period of validity of the contract of obligatory insurance) obâzuetsâvozmestit′ injured the damage caused, is: a) in part compensation for harm caused to life or health of each injured, no more than 500 thousand rubles (as amended by the Federal law dated July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224);
     b) reparation, pričinennogoimuŝestvu of each injured, 400 tysâčrublej (in red.  Federal zakonaot N 223-FZ of July 21, 2014-meeting zakonodatel′stvaRossijskoj Federation, 2014, N 30, art. 4224);
     ) (Podpunkt"v" lost effect on the grounds of the Federal law dated July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224) (article 7 in red.  Federal law dated December 1, 2007  N 306-FZ-Sobraniezakonodatel′stva Russian Federation, 2007, no. 49, St. 6067) article 8. Regulirovaniestrahovyh tariffs for compulsory insurance 1. Regulation of insurance rates for compulsory insurance is performed through the identification of Bank Russiaв accordance with this federal law (economically) actuarially justifiable limits base rates insurance rates (the minimum and maximum values, expressed in LCY) and the coefficients of insurance rates, requirements to the structure of insurance rates, as well as their application by insurers when determining insurance premium under the contract of compulsory insurance.
     The percentage of insurance premiums directly intended for the implementation of insurance and compensation may not be less than 80 percent of the insurance premium.
     2. Insurance rates poobâzatel′nomu insurance and structure insurance tariffs are determined by the insurers with the requirements established by the Bank of Russia, in accordance with paragraph 1 of this article.
     3. the period of validity of the tariff ustanovlennyhstrahovyh cannot be less than one year.
     Izmeneniestrahovyh tariffs shall not entail a change in insurance premiums paid by the insured in force at the moment of payment of insurance rates, under a contract of compulsory insurance during the period of its validity.  If, in accordance with the rules of compulsory insurance, the insurer may require the insured person to the payment of the insurance premium commensurate with the increased risk, the size of the additional insurance premium paid is determined by the applicable at the time of its payment of insurance rates.
     4. Full or partial compensation for some categories of policyholders paid or payable by them strahovyhpremij by raising insurance rates for other categories of insured persons are not allowed.
     5. Annual statistics on compulsory insurance, including data on the amount collected and strahovyhpremij of insurance payments on the amount claimed and settled insurance claims, insurance payments on the Russian Federation and constituent entities of the Russian Federation, as well as on the level of loss of compulsory insurance are subject to official publication by the Bank of Russia.
     (Article 8 as amended.  Federal law dated July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224) article 9. Bazovyestavki and insurance rates factors 1. Insurance tarifysostoât of base rates and ratios.
Insurance premiums on contracts for compulsory insurance are calculated by insurers as a work base rates and insurance rates in accordance with the rules for use of insurers insurance tariffs for compulsory insurance in determining insurance premium under the contract of compulsory insurance, established by the Bank of Russia

accordance with article 8 of the present Federal Act (as amended by the Federal law dated July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224). Basic stavkistrahovyh tariffs are established depending on technical specifications, design features and destination of vehicles that significantly affect the likelihood of harm in their use and the potential size of the damage caused.
     2. The ratios included in insurance rates, determined by: a) the territory of priority use of the vehicle, kotoraâopredelâetsâ for individuals on the basis of the place of residence of the owner of a vehicle specified in the passport of the vehicle or the vehicle registration certificate or the passport for legal entities, their branches or representative offices-at the place of location of a legal entity, or egofiliala is specified in the founding document of a legal entity (in red.  Federal law dated July 21, 2014 N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224);
     b) presence or absence of insurance payments made by insurers in prior periods in the implementation of compulsory insurance of civil liability of owners of the vehicle and, in the case of compulsory insurance of priograničennom use of the vehicle, providing driving only specified insured drivers, the presence or absence of insurance payments made by insurers in prior periods in the implementation of compulsory liability strahovaniâgraždanskoj each of these drivers;
     ) tehničeskihharakteristik vehicles;
     in-1) availability in the contract of compulsory insurance terms, envisaging the possibility of driving a vehicle with a trailer to it ("b-1" was introduced by the Federal law dated July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224);
     g) sezonnogoispol′zovaniâ vehicles;
     d) other significant impact on the amount of insurance risk circumstances.
     (Item 2 in red.  Federal law dated 1dekabrâ, 2007.  N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, St. 6067) 2-1. In cases of compulsory civil liability insurance of citizens using the imtransportnye-owned funds, insurance rates are also factors, taking into account, predusmotrenoli the contract of compulsory insurance, that condition to the management transportnymsredstvom admitted only the insured drivers, and if such a condition stipulated their driving experience, age (para 2-1 was introduced by the Federal law of December 1, 2007 N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49 , art. 6067). 3. In addition to the rates established in accordance with paragraph 2 of this article, insurance rates provides the coefficients which are used for compulsory insurance of civil liability of vehicle owners: strahovŝikuzavedomo reporting false information about requested circumstances affecting the insurance premium under the contract of compulsory insurance, causing her payment to a lesser sum to the amount which would have been paid if the message the owners of vehicles of reliable information;
     umyšlennosodejstvovavših occurrence of the insured event or an increase in the related loss or knowingly have distorted the circumstances of the insured event in order to increase insurance payments;
     caused harm with circumstances which became the basis of the presentation of the subrogation claim (article 14 hereof).
     The coefficients indicated in this clause apply insurers when concluding or renewing the contract of compulsory insurance for the year following the period in which the insurer became aware of offences specified in this article of action (inaction).
     4. the maximum amount of insurance premium under the contract of compulsory insurance may not exceed three times the size of the underlying insurance tariff rates, adjusted to take into account the territory of preferential use of the vehicle, and when applying the coefficients established in accordance with paragraph 3 of this article, its size five.
     5. Insurance rates may further provide for basic rates and (or) the applicable insurers in the implementation of compulsory insurance of owners of graždanskojotvetstvennosti vehicles registered in foreign countries and temporarily employed on the territory of the Russian Federation (as amended by the Federal law dated July 21, 2014 N 223-FZ collection zakonodatel′stvaRossijskoj Federation, 2014, N 30, art. 4224).
     6. insurers may not apply the base rates, ratios insurance rates, structure, insurance rates, which do not conform to the requirements established by the Bank of Russia, in accordance with article 8 hereof.
Established in accordance with this federal law insurance rates are required for use by insurers in respect of each insured.
     The control over correctness of calculation of premiums insurers under contracts of compulsory insurance shall be made by the Bank of Russia.
     (Item 6 in red.  Federal law dated July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224) article 10. Srokdejstviâ the contract of compulsory insurance 1. The term undertakes compulsory insurance is one year, for isklûčeniemslučaev, for which this article provides other terms of this agreement.
     (Second paragraph of utratilsilu on the basis of the Federal law of December 1, 2007  N 306-FZ collection zakonodatel′stvaRossijskoj Federation, 2007, no. 49, St. 6067) 2. Owners of vehicles registered in foreign countries and temporarily employed on the territory of the Russian Federation, conclude contracts of compulsory insurance for the entire duration of the temporary use of such vehicles, but not less than 5 days (as amended by the Federal law of December 1, 2007  N 306-FZ-Sobraniezakonodatel′stva Russian Federation, 2007, no. 49, St. 6067). 3. Vladelectransportnogo funds may contract of compulsory insurance to no more than 20 days in the absence of the documents referred to in subparagraph punkta3 "e" of article 15 of this federal law, in the case of: (a)) priobreteniâtransportnogo (purchase, inheritance, gift and the like) for the journey to mesturegistracii vehicle. The owner of the transport sredstvado his registration is obliged to conclude a contract of compulsory insurance for one year in accordance with the provisions of paragraph 1 nastoâŝejstat′i;
     b) journey to the place of the technical inspection of the vehicle, a repeat of the technical inspection of the vehicle.
     (Para 3 as amended.  Federal law dated July 28, 2012  N 131-FZ-Sobraniezakonodatel′stva Russian Federation, 2012, N 31, art. 4320) 4. In case of early termination of a contract of compulsory insurance in cases stipulated by the rules of compulsory insurance, the insurer shall return the insured portion of the insurance premium in the amount of the share of the insurance premium, dedicated to the implementation of insurance payments and the unexpired term of the contract of compulsory insurance or unexpired term seasonal use of the vehicle (item 4 was introduced by the Federal law dated July 21, 2014 N 223-FZ-collection of laws of the Russian Federation , 2014, N 30, art. 4224). Article 11. Dejstviâstrahovatelej and victims upon occurrence of an insured event 1. If the insured is a party to the accident, he is obliged to inform the other participants specified accident upon request information on the contract of compulsory insurance, which insured civil liability of owners of this vehicle.
     Also, paragraph Predusmotrennaânastoâŝim duty on the driver, Manager of the vehicle in the absence of the insured.
     2. Regarding cases of pričineniâvreda when using a vehicle that may entail civil liability of the insured, he is obliged to notify the insurer within the prescribed compulsory insurance contract term and defined it in a way.
     When the strahovatel′do meet the requirements of victims of reparation for harm suffered must notify the insurer and to act in accordance with egoukazaniâmi, if strahovatelûpred″âvlen claim, privleč′strahovŝika to participate in the case. Otherwise, the insurer shall be pravovydvinut′ with respect to the requirement of insurance payment objections that he had with respect to claims for compensation for harm caused.
     3. If the victim intends to use svoimpravom on the insurance payment, he shall at the earliest opportunity notify the insurer about insurance event occurrence and within the time prescribed by the rules of compulsory insurance, to send the insurer a statement of insurance benefit and documents

compulsory insurance rules (as amended by the Federal law dated July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224). 4. In the case of harm to the life of the injured in a traffic accident, the provisions of this federal law relating to victims, applied to persons who, in accordance with this federal law shall be entitled to reparation in the event of the death of the victim (beneficiaries) (as amended by the Federal law dated July 21, 2014 N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224).
     5. To solve the question of the implementation of the indemnity insurer accepts documents of transportnomproisšestvii, decorated by police, except in the case provided for in article 11-1 of the present Federal Act (paragraph 5 was introduced by the Federal law of December 1, 2007  N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, St. 6067; in red. Federal law dated February 7, 2011  N 4-FZ-collection of laws of the Russian Federation, 2011, N 7, art. 901; Federal law dated July 21, 2014 N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224). 6. Oformleniedokumentov on road accident can be carried out in the presence of the arriving according to party accident insurer or a representative of the insurer (paragraph 6 was introduced by the Federal law of December 1, 2007  N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, St. 6067). 7. Voditelipričastnyh to road accident vehicles fill the forms of notices about the accident issued by insurers. drivers informed policyholders about the accident and filling in blanks of such notices (item 7 was introduced by the Federal law of December 1, 2007  N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, St. 6067). 8. (Item 8 of the Act of December 1, 2007 vvedenFederal′nym N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, St.  6067; lost effect on the grounds of the Federal′nogozakona of July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224) 9. (Item 9 of the Act of December 1, 2007 vvedenFederal′nym N 306-FZ-Sobraniezakonodatel′stva Russian Federation, 2007, no. 49, St.  6067; lost effect on the grounds of the Federal′nogozakona of July 21, 2014 N 223-FZ collection zakonodatel′stvaRossijskoj Federation, 2014, N 30, art. 4224) 10. (Paragraph added by federal law 10 1 dekabrâ2007 N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, St.  6067; lost effect on the grounds of the Federal′nogozakona of July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224) 11. (Para. 11 of the Act of December 1, 2007 vvedenFederal′nym N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, St.  6067; lost effect on the grounds of the Federal′nogozakona of July 21, 2014 N 223-FZ collection zakonodatel′stvaRossijskoj Federation, 2014, N 30, art. 4224) article 11-1. Oformleniedokumentov on traffic accident without the participation of the authorized police officers 1. Oformleniedokumentov on traffic accident without the participation of the authorized policiiosuŝestvlâetsâ employees in the manner prescribed by the Bank of Russia, in case of presence of the following circumstances: (a) at the same time) as a result of accident damage only to the vehicles referred to in subparagraph b of this paragraph;
     b) traffic transportnoeproisšestvie occurred as a result of the interaction (collision) two vehicles (including vehicles with trailers), the civil liability of owners of which are insured in accordance with this federal law;
     obstoâtel′stvapričineniâ) harm due to damage vehicles in a traffic accident, the nature and the list of visible damage vehicles cause no differences participants in a traffic accident and fixed in the notification of the accident, whose form is full of drivers involved in traffic accident vehicles in accordance with the rules of compulsory insurance.
     2. In the case of processing of documents about an accident without the participation of the authorized police officers form notice of traffic accident, filled in duplicate drivers involved in traffic accident vehicles, is sent to these drivers the insurance on home insurers, their civic responsibility within five working days from the date of the accident. The victim sends the insurer, zastrahovavšemu its civic responsibility, your copy of completed form together a notice of accident together with the statement on direct damages.
     3. In the case of processing of documents about an accident without the participation of the authorized police officers vehicle owners involved in a road accident, at the request of the insurers mentioned in paragraph 2 of this article, shall be obliged to submit the vehicles for inspection, and (or) independent technical expertise within five working days of receipt of such request.
     To enable inspection and (or) independent technical expertise of vehicles involved in a traffic accident in case of dokumentovo traffic accident without the participation of the police upolnomočennyhna the owners of these vehicles without the consent in writing of the insurers mentioned in paragraph 2 of this article shall not proceed with the repair or disposal before the expiration of 15 calendar days, except for non-working holidays from the date of the accident.
     4. In the case of processing of documents about an accident without the participation of the authorized officers of the police of the amount of indemnity payable to the victim for harm caused to his vehicle cannot exceed 50 thousand rubles.
     5. In the case of processing of documents about the accident, which occurred in the territories of the cities of federal importance Moscow, St.-Petersburg, Moscow Oblast, Leningrad oblast, without the participation of Commissioners on police tosotrudnikov size limit of indemnity under paragraph 4 of this article shall not apply and the indemnity shall be paid to the victim within the insurance amount established in subparagraph b of article 7 of this federal law, with the proviso that the insurer data on the circumstances of the injury to a vehicle in a traffic accident which are recorded with the help of technical means of control, to ensure the nekorrektiruemuû registration information (photos or videos of vehicles and their injuries at the scene of an accident, as well as data captured using navigation tools that operate using GLONASS or GLONASS, together with other global satellite navigation systems).
     6. In the case of processing of documents about an accident without the participation of the authorized police officers to the insurer must be provided with data on the circumstances of the injury to a vehicle in a traffic accident, which are fixed by technical means of control, to ensure the nekorrektiruemuû registration information (photos or videos of vehicles and their injuries at the scene of an accident, as well as data captured using navigation tools that operate using GLONASS or GLONASS, together with other global satellite navigation systems).
     7. Requirements for technical means of verification, composition information on a traffic accident and the procedure for the submission of such information to the insurer, providing receipt by the insurer information about nekorrektiruemoj road accident, shall be established by the Government of the Russian Federation.
     8. a victim who received insurance compensation under this article shall not have the right to impose additional requirements to the insurer for compensation for harm caused to his vehicle in a traffic accident, which are furnished in accordance with this article.
     The victim has the right to apply to the insurer who has insured civil liability of persons, pričinivšegovred, with a demand for compensation for harm caused to life or health, following the presentation of the claim for insurance indemnity and the victim did not know at the time of presentation trebovaniâo compensation for harm caused to his vehicle.
     (Article 11-1 of the Act of July 21, 2014 vvedenaFederal′nym  N 223-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N

30, art. 4224, para 6 comes into force from January 1, 2019 year) article 12. Opredelenierazmera insurance payment and order eeosuŝestvleniâ 1. The victim has the right to present a claim to the insurer for damages caused to the life, health or property when using the vehicle within the limits of the sum insured, established by this federal law, by requiring the insurer statements of insurance payment or direct damages and the documents stipulated by the rules of compulsory insurance.
     Statement of strahovojvyplate in respect of an injury to the life or health of the victim shall be sent to the insurer, zastrahovavšemu civil liability of the person who has caused harm. Statement of insurance payment in respect of an injury to the property of the victim shall be sent to the insurer, zastrahovavšemu civil liability of the person who has caused harm, and in cases stipulated by paragraph 1 of article 14-1 of this federal law, the insurer, zastrahovavšemu civil liability of the victim is sent a statement of direct damages.
     Statement of the victim, requiring insurance payment or direct damages in respect of an injury to his life, health or property when using the vehicle, with attached documents envisaged by the rules of compulsory insurance shall be communicated to the insurer on the location of the insurer or the insurer's representative, an authorized insurer in consideration of the demands of the victim and the implementation of insurance payments or direct damages.
     Location ipočtovye address of the insurer, as well as all representatives of the insurer, means of communication with them and their working time information must be indicated in the list of the representatives of the insurer an application to the insurance policy.
     In the absence of documents certifying the fact of occurrence and size of recoverable injury insurer insurer within three working days from the date of their receipt by mail and by personal address to the insurer on the day of treatment, a statement about insurance payment or direct damages shall notify the victim with the full list of missing and (or) misfiled documents.
     Exchange of documents required for insurance indemnity to verify their completeness according to the wishes of the victim may be in electronic form, which does not osvoboždaetpoterpevšego from submitting documents to the insurer in writing of insurance payment on the location of the insurer the insurer's ilipredstavitelâ. The insurer shall ensure that the applicant's request, sent in electronic form, and give a response within the time period agreed to by the applicant with the insurer, but not later than within three working days from the specified dnâpostupleniâ treatment.
     The insurer is not vpravetrebovat′ from the victim to the submission of documents not covered by compulsory insurance rules.
     2. Insurance payment owed to the victim for damage to his health from traffic transportnogoproisšestviâ, is carried out in accordance with this federal law, costs associated with restoring the health of the victim, and they lost earnings (income) in respect of an injury to health as a result of a traffic accident.
     Indemnity for damage to health in the part of the reimbursement of the necessary costs of restoring the health of a victim is carried out by the insurer on the basis of documents issued by the police and confirming the accident and medical documents submitted by medical organizations, who provided medical assistance to the victim in connection with the insured event, specifying the nature and the extent of the damage to the health of the victim. Amount of indemnity in part compensation for necessary expenses to restore the health of the victim shall be determined in accordance with the regulations and in accordance with the procedure established by the Government of the Russian Federation, depending on the nature and extent of the damage to the health of the victim within the insured amount established by subparagraph a"stat′i" 7 of this federal law.
     Information about the number of the insurance policy and name of insurer, zastrahovavšego civil liability of a car owner guilty of a traffic accident, reported a pedestrian injured in this accident, or to his representative on the day of the Police Department, whose officers were processing documents of such an accident.
     3. After enjoyment at pursuant to paragraph 2 of this article, the insurance indemnity to the victim for damage to his health insurer advanced insurance payment is carried out in the following case: a) if the results of the medical examination or study undertaken including institutions of forensic expertise in the production of administrative offence, criminal proceedings, as well as on the treatment of the victim, found that the nature and extent of damage to the health of the victim correspond to larger size of indemnity than originally was determined on the basis of the standards established by the Government of the Russian Federation. The size of the additional ongoing insurance compensation is determined by insurer as the difference between the amount payable fixed amount corresponding to the nature of the injury victim on them èkspertnomuzaklûčeniû, and previously carried out, in accordance with paragraph 2 of this article, an insurance payment for causing harm to the victim;
     b) if vsledstvievreda caused to health of the injured in a traffic accident, according to the results of a medical social examination established the victim disablement or category "child-invalid". The size of the additional ongoing insurance compensation is determined by insurer as the difference between the amount payable, the relevant specified in the opinion of the medico-social assessment of disability group or category "child-invalid" under regulations established by the Government of the Russian Federation, and has previously carried out, in accordance with paragraph 2 of this article, insurance payments for damage caused to the health of injured ,
     4. In case the victim incurred additional costs for treatment and restoration of damaged in a traffic accident victim's health (medical rehabilitation costs, acquisition lekarstvennyhpreparatov, prosthetics, Orthotics, outsider care, spa treatment and other expenses) and the lost victims in respect of an injury to his health as a result of a traffic accident earnings (earnings) exceeded the victim carried out in accordance with paragraphs 2 and 3 of this article of indemnity the insurer reimburses these costs and lost earnings (income) when podtverždeniitogo that the victim in need of these types of assistance, as well as in the documentary evidence of the size of the lost earnings (income), which the victim had or definitely could have at the time of occurrence of the insured event.  The size of the work being carried out in accordance with this paragraph, the indemnity is determined by insurer as the difference between the lost victims earnings (income), as well as additional costs sufficiently documents provided for compulsory insurance rules, and the total amount in accordance with paragraphs 2 and 3 of this article, an insurance payout for personal injury to the victim.
     5. Insurance payment in part of the reimbursement of lost earnings (income) the victim is carried out in a lump sum or in any other manner prescribed by the rules of compulsory insurance.
     The cumulative amount of indemnity for injury to health, organized in accordance with punktami2-4 of the present article, shall not exceed the sum laid down in subparagraph "a" of article 7 of this federal law.
     Indemnity zapričinenie injury victim is carried out by the victim or persons who are representatives of the injured and power to obtain insurance payment certified by appropriately.
     6. in the event of the death of the victim the right to compensation for damage are eligible in accordance with civil legislation on compensation in the event of death, in the absence of such persons, spouse, parents, children injured, citizens, whose victim was a dependent, eslion did not have an independent income (beneficiaries).
     7. the amount of the insurance indemnity for the injury caused to the victim's life is: 475 thousand rubles-paid to beneficiaries specified in paragraph 6 of this article;
     no more than 25 thousand rubles in funeral costs-those who have incurred such expenses.
     8. the insurer in 15 calendar days, except for non-working holidays, from the date of the adoption of the first statement of insurance payment in part compensation for harm suffered by the victim as a result of insured event, prinimaetzaâvleniâ on

insurance compensation and compulsory insurance rules documents from other beneficiaries.  Within five calendar days, except for non-working holidays, after the end of the specified period of accepting applications from persons who have the right to compensation in case of death, the insurer carries on an insurance indemnity.
     Indemnity the amount of which is set to second paragraph of paragraph 7 of this article, shall be distributed equally among those entitled to compensation in the event of the death of the victim.
Insurance payment in part compensation for harm caused to the victim, shall be carried out at a time.
     A person entitled to compensation in the event of the death of the victim as a result of an insured event and gave the insurer a requirement of insurance payment after the insurance payment to the insured event was distributed among the persons entitled to compensation in the event of the death of the victim has the right to demand from these persons return pričitaûŝejsâv accordance with this federal law part of the indemnity or claim compensation from the persons , injuring the life of the victim as a result of the insured event in accordance with civil law.
     9. the victim or beneficiary is obliged to provide the insurer with all documents and evidence, as well as all known information, confirming the amount and nature of harm caused to life or health of the victim.
     10. If damage to property in order to clarify the circumstances of the injury and determine the size of recoverable damages the victim, intending to exercise its right of indemnity or direct damages, within five working days from the date of filing of the statement of insurance payment and of the annexed Regulations in accordance with compulsory insurance documents must submit a damaged vehicle or its residues for inspection and (or) independent technical expertise carried out in accordance with the provisions of article 12-1 of this federal law, other property for inspection and (or) independent expertise (assessment) carried out in the manner prescribed by the legislation of the Russian Federation, taking into account the peculiarities stipulated by this federal law.
     If inspection and (or) independent technical expertise, independent appraisal (evaluation) submitted by victims of the damaged vehicle, other property or its residues do not allow certainty the existence of an insured event and determine the amount of damages recoverable under the contract of compulsory insurance, the insurer shall, within 10 working days from the date of submission of the statement of insurance indemnity to the victims have the right to inspect the vehicle that property of the injured have suffered harm, and (or) at its own expense, arrange and pay for an independent technical expertise in respect of the vehicle in accordance with the provisions of article 12-1 of the present Federal law. The owner of the vehicle on which the property of the injured have suffered harm, must submit a ètotransportnoe means at the request of the insurer.
     If the nature or specifics of the damaged vehicle, other assets isklûčaûtego insight for inspection and independent technical expertise, independent expertise (assessment) at the location of the insurer and/or expert (for example, damage to the vehicle, excluding its participation in road traffic), this ukazyvaetsâv statement and the inspection and independent technical expertise, independent appraisal (evaluation) are held at the location of the damaged property within a period of not more than five working days from the date of submission of the application for insurance indemnity and annexed in
accordance with the rules of compulsory insurance documents.
     11. The insurer is obliged to inspect the damaged vehicle, other property or its remnants and (or) to organize their independent technical expertise, independent expertise (assessment) within a period of not more than five working days from the date of submission of the victims of the damaged property for examination and to acquaint the victim with the results of the inspection and independent technical expertise, independent expertise (assessment), unless otherwise agreed upon by the insurer with the victim. Independent technical expertise or independent appraisal (evaluation) is organised by the insurer in case of detection of contradictions and meždupoterpevšim by the insurer regarding the nature and the list of visible damage to property and (or) the circumstances of the injury, in connection with damage to property as a result of a traffic accident.
     In slučaenepredstavleniâ to the victims of the damaged property or its residues for inspection and (or) independent technical expertise, independent expertise (assessment) in the agreed date the insurer the insurer agrees with the injured novuûdatu examination and (or) independent technical expertise, independent expertise (assessment) of the damaged property or its residues. In the event of default by the victims and punktami10 installed 13 of this article, the requirement to submit damaged property or its residues for inspection and (or) independent technical expertise, independent expertise (assessment) the period of time for taking a decision on insurance indemnity by the insurer as determined in accordance with paragraph 21 of this article may be extended by a period not exceeding the number of days between the date of submission to the victims of the damaged property or its residues and agreed with the victim date of examination and (or) independent technical expertise independent examination (evaluation), but not more than 20 calendar days, except for non-working holidays.
     Dogovoromobâzatel′nogo insurance may provide for different time frame within which the insurer shall arrive dlâosmotra and (or) independent technical expertise, independent expertise (assessment) of the damaged property or its residues in case of holding them in remote, remote or sparsely populated areas.
     12. In the case of eslipo the results of the inspection of damaged property insurer or its residues, the insurer and the victim have agreed on the amount of insurance payment and nenastaivaût on the establishment of an independent technical expertise or independent expertise (assessment) of the damaged property or its residues examination is not carried out.
     13. If the insurer posleprovedennogo inspection of the damaged property or its residues, the insurer and the victim have not agreed on the amount of indemnity, the insurer shall arrange for an independent technical expertise, independent expertise (assessment), and the victim to damaged property or its remnants for an independent technical expertise, independent expertise (assessment).
     If the insurer neosmotrel damaged property or its remnants and (or) not organized an independent technical expertise, independent expertise (assessment) of the damaged property or its remnants within the prescribed period, paragraph 11 of this article, the victim may apply on their own for technical expertise or expertise (assessment). In this case the results independently organized victims of independent technical expertise, independent expertise (assessment) is accepted by the insurer to determine the size of insurance benefit.
     14. Stoimost′nezavisimoj technical expertise, independent expertise (assessment), on the basis of which the insurance payment is included in the damages recoverable by the insurer under the contract of compulsory insurance.
     15. Reparation for the injury caused by a vehicle of the victim, can be carried out by the Organization and pay for restoring repair of damaged vehicle injured at service stations, which selected the victims in agreement with the insurer in accordance with the rules of compulsory insurance and the insurer with whom the contract (reimbursement of damage in kind);
     by issuing the amount of indemnity to insured (beneficiary) in the box office of the insurer or the insurance payment amount enumeration on the victim's bank account (beneficiary) (cash or non-cash).
     If ustrahovŝika the contract maintenance, the choice of method of redress performs the victim.
     16. Reparation for the injury caused by a vehicle property of a victim is carried out in the manner prescribed by the third subparagraph of paragraph 15 of this article.
     17. In the case of performance of the obligation of the insurer to organize and pay for the refurbishment of the vehicle in the manner prescribed by the second paragraph of paragraph 15 of this article, the victim in the statement of insurance payment or direct damages points to reparation for the injury caused by his vehicle, in kind, and the takževyražaet consent to the possible increase in terms of restoring repair of a vehicle with regard to the objective circumstances, including availability and repair technology of components (details and units).

     Within 20 calendar days, except for non-working holidays, from the date of receipt of the application for insurance indemnity, which indicates about compensation of damage pričinennogotransportnomu means, in kind, the insurer shall issue the victim the direction for repairs, which indicates service station, where it will be repaired and the vehicle which the insurer will pay for the refurbishment of vehicle injured.
     Victim vpravevybrat′ service station of the proposed insurer list of service stations with which the insurer contracts.  The list of service stations with which the insurer contracts, the insurer is placed on his official website in the information and telecommunication network "Internet" and is kept up-to-date.
     The procedure for dealing with the identified hidden damage to the vehicle, vyzvannymistrahovym case is determined by a maintenance agreed upon with the insurer and the victim and ukazyvaetsâstanciej maintenance when receiving the vehicle injured in direction for repairs or other document issued by the victim.
     Order payment uregulirovaniâvoprosov repair, not related to the insured event shall be determined maintenance in consultation with victims and indicated a maintenance in a document issued by the victim when receiving the vehicle for repair.
     Towards the repair of the insurer indicated possible surcharges paid by service stations to victims for refurbishment on the basis of the second paragraph of paragraph 19 of the present articles.
     The insurer's obligation to organize and pay for the refurbishment of vehicle injured had taken on the basis of the second paragraph of paragraph 15 nastoâŝejstat′i are considered executed by the insurer adequately since the victim repaired vehicle used.
     Responsibility for failure to comply with a maintenance period transfer of the victim of the repaired vehicle, as well as for breach of other obligations under the restorative repair vehicle victim bears the insurer issuing the direction for repairs.
     The provisions of this federal law relating to the implementation of the insurance payment, apply to the performance of the insurer to implement reparation for the injury caused by the vehicle, the victim, in the manner prescribed by the second paragraph of paragraph 15 of this article, unless otherwise stipulated by this federal law and follows from the nature of such relationships.
     18. the amount of damages recoverable in causing harm to the property of the victim is determined by: a) in the case of polnojgibeli property of the victim in the amount of the actual value of the property on the date the insurance case minus cost of good leftovers.  Under the total loss refers to cases in which repair damaged property is not possible or the cost of repair of the damaged property is equal to the value of the property at the date of occurrence of the insured event or exceeds the specified value;
     b) in slučaepovreždeniâ property of the victim in the amount of the expenses necessary to bring the property to the condition it was in before the moment of occurrence of the insured event.
     19. To the vpodpunkte "b" paragraph 18 of this article costs also include the cost of materials and spare parts needed for repair, the cost of the work involved with this repair.
     Expenditures for spare parts (including in the case of compensation in the manner specified by the second paragraph of paragraph 15 of this article) shall be determined taking into account the wear and tear of components (parts, components and assemblies), to be replaced with the restorative repair. While these components (parts, assemblies and units) may not accrue more than 50 per cent depreciation of their value.
     Namaterialy costs and spare parts necessary to repair the vehicle, the cost of such repair works and the cost of godnyhostatkov defined in the order, established by the Bank of Russia.
     20. Strahovŝikotkazyvaet victim in insurance payment or part thereof, if repair of the damaged property or disposing of its surpluses carried out prior to the insurer and (or) independent technical expertise, independent expertise (assessment) of the damaged property in accordance with the requirements of this article, do not allow certainty the existence of an insured event and the amount of damages recoverable under the contract of compulsory insurance.
     21. during the 20kalendarnyh days, except for non-working holidays, from the day of acceptance of the victim's statements about insurance payment or direct damages and enclosed documents stipulated by the rules of compulsory insurance, the insurer is obliged to pay indemnity to the victim or to give him a chance to repair the vehicle, indicating the duration of repair or send the victim a motivated denial of insurance payment.
     When nesoblûdeniisroka implementation of indemnity or compensation in kind per each day of delay, the insurer pays the victim a penalty (a fine) in razmereodnogo per cent of defined in accordance with this federal law the amount of the insurance payment on the referring to the damage caused to each victim.
     Failure to observe the period of refusal motivated victim referral insurance benefit for each day of delay, the insurer pays the victim money in the form of financial penalties in the amount of 0.05% of the sum insured by this federal law to mean harm to each victim.
     Under this paragraph penalty (a fine) or the amount of financial sanctions for failure to comply with a term or term payments insurance directions victim motivated by denying insurance benefit shall be paid to the victim on the basis of the application submitted to them for claims such penalties (fines) or the amount of such financial sanctions, which specifies the form of payment (cash or non-cash), as well as bank account details, for which such a penalty (a fine) or the amount of such financial penalties to be paid in case of selecting injured cashless forms of payment When the insurer does not have the right to demand additional documents fortheir payment.
     Zasoblûdeniem insurers control the order of indemnity payment shall be made by the Bank of Russia. In the event of non-compliance with the insurance period the insurer vyplatyili direction motivated the refusal of the Bank of Russia issues a precept to the insurer need fulfilment of obligations established by this article.
     To fully determine the size of recoverable under the contract of compulsory insurance injury insurer according the victim may exercise a portion of the indemnity that corresponds in fact to a particular part of the harm.
     22. when all the parties to the accident held responsible for damages, insurers implement insurance reimbursement payments for injury suffered as a result of this accident, taking into account the established court guilt persons civil liability which they insured.
     Strahovŝikiosuŝestvlâût insurance payment as reimbursement to the harm caused to the victim by several persons, in proportion to the degree of fault Court installed persons civil liability which they insured. When the victim is entitled to make a claim for insurance indemnity caused by the vredalûbomu of the insurers who insured civil liability of persons causing harm.
     Insurer vozmestivšij damage caused by several persons jointly, shall have a right of recourse provided for in civil law.
     If the guilt of the participants of the accident has not been established by the Court, to insure their civil liability insurers established by this federal law bear responsibility for reparation, pričinennogov from such accident, in equal shares.
     23. a person vozmestivšee the victim harm caused as a result of insured event, has the right to claim kstrahovŝiku that insured civil liability of the victim, in an amount determined in accordance with this federal law, within the paid amount. Implementation perešedšegoprava requirements shall be carried out in accordance with the legislation of the Russian Federation in compliance with the provisions of this Federal Act governing the relationship between the victim and the insurer.
     From the face, pričinivšegovred, may be charged an amount equal to part of the requirement, the remaining unsatisfied in accordance with this federal law.
     24. The relations between the meždupoterpevšim and the insurer regarding the implementation of the direct damages shall apply by analogy the rules established by this federal law to relations between victims and the insurer regarding the implementation of the insurance

payments. The relevant provisions apply insofar as not otherwise stipulated by this federal law and follows from the nature of such relationships.
     25. the insurer is released from its obligation to pay indemnity in the cases provided for by law and (or) the contract of obligatory insurance.   Cases envisaged in paragraphs 1 and 2 of article 14 hereof, the insurer may not be a ground for refusing payment of insurance premium, or to delay its implementation.
     (Art. 12 in red.  Federal law dated July 21, 2014  N 223-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 30, art. 4224) article 12-1. An independent technical review of the vehicle 1. In order to establish the circumstances of the injury, the vehicle establishment of vehicle damage and their causes, technology, methods, and the cost of its refurbishment of an independent technical expertise.
     2. Nezavisimaâtehničeskaâ examination is carried out according to the rules approved by the Bank of Russia.
     3. independent technical examination is carried out using a single methodology for determining the level of expenditure on refurbishment, in respect of the damaged vehicle, approved by the Central Bank of Russia and includes, inter alia: (a)) order rasčetarazmera the cost of materials, parts, work involving refurbishment;
     b) the procedure for calculating the size of wear must be replaced of components (parts, assemblies, aggregates), including the range of components (parts, assemblies, aggregates) that in calculating the cost of refurbishment is set to zero wear;
     in good rasčetastoimosti) residues in case of total loss of the vehicle;
     g) spravočnyedannye on the annual runs of vehicles;
     d) porâdokformirovaniâ and approval of handbooks average cost of spare parts, materials and normočasa work in determining the costs of refurbishment in respect of the damaged vehicle, taking into account the established boundaries of regional commodity markets (economic regions).
     4. independent technical expertise of vehicles is carried out by a technician or expert organization in the State of at least one expert technique.
     Requirements kèkspertam-techniques, including their professional certification requirements, grounds for its cancellation, the procedure of maintenance of the State Register of experts-tehnikovustanavlivaûtsâ authorized by the Government of the Russian Federation Federal Executive authority.
     5. experts-tehnikinesut responsible for the inaccuracy of the results of their independent technical expertise of vehicles.   Losses caused by an expert technician due to submission of false results of independent technical expertise shall be compensated by an expert technician in full.
     6. judicial èkspertizatransportnogo funds assigned in accordance with the legislation of the Russian Federation in order to determine the amount of the insurance payment to the victim and (or) the cost of repair of the vehicle within the contract of compulsory insurance, shall be carried out in accordance with a uniform methodology for determining the level of expenditure on refurbishment, in respect of the damaged vehicle, approved by the Bank of Russia, and subject to the provisions of this article.
     (Article 12-1 of the Act of July 21, 2014 vvedenaFederal′nym  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224) article 13.  (Repealed under federal zakonaot July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224) article 14. Pravoregressnogo requirements of the insurer to the person pričinivšemuvred 1. To the insurer, the insurer pays the insurance indemnity, goes right to the demands of the injured person, causing damage in the amount produced by the victim of indemnity if: (a) the person was umyslaukazannogo), due to injury to the life or health of the victim;
     b) damage was caused by that person while driving while intoxicated (alcohol, drugs or other);
     the said person) neimelo the right to management of a transportation vehicle, in which they have been injured;
     g) the person has fled from the accident scene;
     d) the person is not included in the contract of compulsory insurance as the person authorized to manage the vehicle (at the conclusion of the contract of compulsory insurance as a condition of using the vehicle only specified in the contract of obligatory insurance of drivers);
     e) insurance slučajnastupil when using the vehicle by that person during the period not covered by compulsory insurance contract (at the conclusion of the contract of compulsory insurance as a condition of using the vehicle for the period provided for by the contract of obligatory insurance);
     f) this person in case of documents about an accident without the participation of the upolnomočennyhna the police officers sent to the insurer, zastrahovavšemu its civic responsibility, together with the copy of the completed victim Blanca notice of road transportnomproisšestvii within five working days from the date of the accident;
     w) until the expiration of the 15kalendarnyh non-business days, except holidays, from the day of the accident the person in case of documents about an accident without the participation of the upolnomočennyhna the police officers started to repair or disposal of the vehicle for which they have been injured, and (or) not provided at the request of the insurer, the vehicle for inspection, and (or) independent technical expertise;
     and the insured event momentnastupleniâ) expired diagnostic card that contains information about the vehicle the mandatory requirements of the safety of vehicles, taxi, bus or lorry, designed and equipped for the carriage of passengers, with the number of seats more than eight (kromemesta driver), a specialized vehicle designed and equipped for the transport of dangerous goods.
     2. the insurer is entitled recourse in the amount produced the insurance payment to the operator who issued the inspection diagnostic card that contains information about the vehicle the mandatory requirements of the safety of vehicles, if the insurance event occurs due to failure of the vehicle and such a failure might have been found or identified at the time of this inspection technical inspection by the operator, but the details have not been made in diagnostic card.
     3. the insurer shall vpravetrebovat′ of persons referred to in paragraphs 1 and 2 of this article, the reimbursement of expenses incurred in the insured event under consideration.
     4. the provisions of this article shall apply to cases of compensation for harm caused to property of the injured in a traffic accident, the insurer, the insurance on home his civil responsibility, taking into account the peculiarities stipulated by article 14-1 of this federal law.
     (Article 14 as amended.  Federal law dated July 21, 2014.  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224) article 14-1. Prâmoevozmeŝenie damages 1. The victim raises a demand for compensation for harm caused to his property, the insurer who has insured civil liability of the victim, in the case of the following circumstances: (a) at the same time) as a result of accident damage only to the vehicles referred to in subparagraph b of this paragraph;
     b) traffic transportnoeproisšestvie occurred as a result of the interaction (collision) two vehicles (including vehicles with trailers), the civil liability of owners of which are insured in accordance with this federal law.
     (Item 1 in red.  Federal law dated July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224) 2. Kotoryjzastrahoval civil liability insurer, the victim, is assessing the circumstances of the accident, as set out in the notice of a traffic accident, and on the basis of dokumentovosuŝestvlâet the victim on his demand compensation in accordance with the rules of compulsory insurance.
     3. the realization of the right to direct damages does not limit the pravopoterpevšego to contact the insurer who has insured civil liability of the person who has caused harm, with a demand for compensation for harm caused to life or health, which arose after a claim for direct damages and about which the victim did not know at the time of presentation of the claim (as amended by the Federal law dated July 21, 2014 N 223-FZ-collection of laws of the Russian Federation , 2014, N 30, art.
4224).

     4. the insurer, kotoryjzastrahoval civil liability the victim realizes the compensation pričinennogoimuŝestvu the victim, on behalf of the insurer, which zastrahovalgraždanskuû the liability of the person causing the damage (direct damages), in accordance with article 26-1 hereof agreement on direct damages in an amount determined in accordance with article 12 hereof.
     Against the insurer who has insured civil liability of the victim, upon presentation to it direct damages provisions of this federal law established for the insurer, which brought a statement of insurance payment.
     (Item 4 in red.  Federal law dated July 21, 2014  N 223-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 30, art. 4224) 5. Insurer kotoryjzastrahoval civil liability of the person who has caused harm, shall be obliged to compensate the strahovojvyplaty account under the contract of compulsory insurance, the insurer has direct damages reimbursed them the victim, in accordance with article 26-1 nastoâŝegoFederal′nogo of the law on the direct compensation agreement (as amended by the Federal law dated July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224). 6. If the insurer, zastrahovavšego civil liability of the person who has caused harm, from the agreement on direct damages or in respect of such insurer in accordance with the laws of the Russianfederation procedures applied at deleo bankruptcy, or in case of withdrawal he license for insurance activity of the insurer fulfills the direct damages, shall be entitled to demand from the Professional Association of insurers the implementation of compensation in the amount established by the agreement on direct damages in accordance with article 26-1nastoâŝego federal law (as amended by the Federal law dated July 21, 2014 N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224). 7. Insurer kotoryjzastrahoval civil liability of the person who has caused harm, and reimbursed the expense of indemnity under the contract of compulsory insurance, the insurer has direct damages reimbursed them poterpevšemuvred, provided for in article 14 of the present Federal law cases has the right to request the person who caused the damage in the amount reimbursed the victim harm (para. 7 of Federal′nymzakonom July 21, 2014 introduced  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224). 8. Professional Association of insurers, which reimbursed on account of compensation for dogovoruobâzatel′nogo insurance the insurer has direct damages reimbursed the victim, provided for in article 14 of the present Federal law cases has the right to request the person who has caused harm, harm to the victim the reimbursed $ (para 8 introduced Federal′nymzakonom of July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art.
4224). 9. The victim, imeûŝijv accordance with this federal law, the right to bring a claim for pričinennogoego property harm directly to the insurer who has insured civil liability of a victim, in the case of such insurer in accordance with the legislation of the Russian Federation procedures applied in the bankruptcy case, or in case of withdrawal he had licenses for conducting the insurance activity imposes the requirement for insurance indemnity insurer kotoryjzastrahoval civil liability of persons , injuring (item 9 was introduced by the Federal law dated July 21, 2014  N 223-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 30, art. 4224) (article 14-1 of the Act of December 1, 2007 vvedenaFederal′nym N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, p. 6067) article 15. Porâdokosuŝestvleniâ compulsory insurance 1. Compulsory insurance is performed by the owners of the vehicles through the conclusion of compulsory insurance contracts with insurers, which specify the means of transport, the civil liability of owners of which is insured.
     2. a contract of compulsory insurance is the owner of the vehicle, the persons referred to them in the contract of compulsory insurance, or an unlimited number of persons admitted driving vladel′cemk in accordance with the terms of the Treaty of obâzatel′nogostrahovaniâ, as well as other persons using the vehicle legally.
     3. In order to conclude a contract of compulsory insurance, the policyholder submits the following documents: (a) the insurer) statement ozaklûčenii compulsory insurance;
     b) passport or other identity document (if the policyholder is a natural person);
     in) the certificate of the State registraciiûridičeskogo person (if the insured is a legal person);
     g) document of registration transportnogosredstva issued by the body responsible for the registration of the vehicle (passport, certificate of vehicle oregistracii vehicle technical passport or technical card or similar documents);
     d) driver's license or a copy of the driving licence of the person authorized to manage transportnymsredstvom (if dogovorobâzatel′nogo is insurance provided that driving allowed only certain persons);
     e) diagnostičeskaâkarta containing information about the vehicle vehicle safety mandatory requirements (except if in accordance with the legislation in the field of technical inspection of vehicles, the vehicle is not subject to tehničeskomuosmotru or it is not required or the order and frequency of inspection shall be established by the Government of the Russian Federation, or periodicity of technical inspections of such vehicle shall be six months, as well as cases under paragraph 3 of article 10 hereof) (sub-item "e" introduced from July 1, 2011 Federal′nymzakonom N 170-FZ-collection of laws of the Russian Federation, 2011, N 27, art. 3881; as amended by the Federal law of26 July 2012 N 130-FZ collection zakonodatel′stvaRossijskoj Federation, 2012, N 31, p. 4319).
     4. under the agreement of storonstrahovatel′ may provide copies of the documents required for the conclusion of the contract of obligatory insurance. In the cases provided for by the rules of compulsory insurance, the said documents may be submitted in the form of electronic documents.  If the conclusion of the contract of compulsory insurance in the form of an electronic document providing the insured of the documents referred to in subparagraphs "b"-"e" paragraph 3 of this article shall not be required.  Insurers gain access to the information contained in those instruments, through the exchange of information in electronic form with the relevant bodies and organizations (as amended by the Federal law dated July 1, 2011  N 170-FZ-Sobraniezakonodatel′stva Russian Federation, 2011, N 27, art.  3881; Federal law dated July 21, 2014 N 223-FZ collection zakonodatel′stvaRossijskoj Federation, 2014, N 30, art.
4224). 5. At the conclusion of the contract of compulsory strahovaniâvladelec a vehicle registered in a foreign State and used temporarily on the territory of the Russian Federation, introduced the documents provided by the podpunktami"b", "g", "d" paragraph 3 of this article, as well as one of the documents referred to in subparagraph "e" paragraph 3 of this article, ilidokument on the conduct of the technical examination, issued in inostrannomgosudarstve and recognized in the Russian Federation in accordance with international dogovoromRossijskoj Federation (in red.  Federal law dated July 1, 2011  N 170-FZ-collection of laws of the Russian Federation, 2011, N 27, art. 3881). 6. Vladel′cytransportnyh means used by dlâperevozok passengers on regular routes messages to inform passengers about their rights and duties, vytekaûŝihiz contract of compulsory insurance in accordance with the requirements established by the federal′nymorganom of executive power in the field of transport.
     6-1. (paragraph 6-1 vvedenFederal′nym Act of July 1, 2011 N 170-FZ-collection of laws of the Russian Federation, 2011, N 27, art.  3881; lost effect on the grounds of the Federal′nogozakona of July 28, 2012  N 131-FZ-collection of laws of the Russian Federation, 2012, N 31, art. 4320) 7. At the conclusion of the contract of obligatory insurance, the insurer presents to the insured an insurance policy is a document certifying the implementation of obâzatel′nogostrahovaniâ, or gives to a person who applies to him at the conclusion of the contract of compulsory insurance, reasoned refusal in writing about the impossibility of conclusion of such a treaty, as takžeinformiruet the Bank of Russia and the Professional Association of insurers. the insurer not later than one working day from the day of conclusion of the contract of compulsory insurance makes the information referred to in the statement of

the conclusion of the contract of compulsory insurance and (or) presented at the conclusion of this Treaty, the automated information system of compulsory insurance, established in accordance with article 30 of the present Federal′nogozakona.  Blank insurance compulsory insurance is a document of accountability.
     In the case of compulsory insurance agreement in electronic form to the insured shall be sent to the strahovojpolis in the form of an electronic document.
     (Paragraph 7 as amended.  Federal law dated July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224) 7-1. The insurer provides control over the use of forms of compulsory insurance policies insurance insurance brokers and insurance agents and is responsible for their unauthorized use.    For the purposes of this federal law, unauthorized use of forms of insurance compulsory insurance of ponimaetsâvozmezdnaâ or donation of cleaner or completed form insurance vladel′cutransportnogo funds without reflection in the prescribed manner the fact that the conclusion of the contract of compulsory insurance and takžeiskaženie submitted to the insurer information about terms and conditions of the contract of compulsory insurance, reflected in the form of an insurance policy, passed to the policyholder.
     In the event of harm to life, health or property of the victim by the owner of the vehicle, compulsory insurance of civil liability which certified insurance compulsory insurance, which is to elevate the form used, the insurer, which belonged to this form of insurance policy, is obliged to pay at their own expense compensation expense compensation of harm to the victim in an amount determined in accordance with article 12 hereof, except the theft of blank insurance compulsory insurance provided that prior to the date of occurrence of the insured event, the insurer, insurance broker or insurance agent contacted the competent authorities with a statement about the theft of forms.  Payment of the said compensation is carried out in the manner prescribed by this federal law for the implementation of insurance payments.
Accessory Blanca insurance compulsory insurance of the insurer is confirmed by the Professional Association of insurers in accordance with the rules of professional conduct set forth in article 1, subparagraph p"punkta" 26 of this federal law.
     Incomplete and/or late listing insurer insurance premiums received by an insurance broker or insurance agent does not relieve the insurer from the necessity of fulfillment of obligations under a contract of compulsory insurance, including in cases of unauthorized use of forms of insurance compulsory insurance.
     Within the amount of the compensation paid by the insurer to the victim pursuant to this paragraph, and takžeponesennyh costs of examination requirements injured the insurer has the right requirements to the person responsible for the unauthorized use of Blanca insurance compulsory insurance of the insurer.
     (Item 7-1 vvedenFederal′nym Act of July 21, 2014  N 223-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 30, art. 4224) 7-2. Compulsory insurance contract may byt′sostavlen in the form of an electronic document, taking into account the peculiarities stipulated by this federal law.
     Create and napravleniestrahovatelem statements to the insurer to conclude a contract of compulsory insurance in the form of an electronic document made using the official website of the insurer in the field of information and telecommunications network "Internet".
If this specified the insurer's official website can be used as an information system for the exchange of information in electronic form between the insurer and the policyholder, who is the operator of this informacionnojsistemy, and the Professional Association of insurers, non-operator of the automated information system of compulsory insurance, established in accordance with article 30 of this federal law.    List of information provided by the insured with the use of the official website of the insurer in the information and telecommunication network "Internet" when creating the statement on the conclusion of the contract of compulsory insurance in the form of an electronic document is determined by the rules of compulsory insurance.
     Access to the official website of the insurer in the information and telecommunication network "Internet" for an action under this paragraph may osuŝestvlât′sâs using a unified system of identification and authentication.
     The insurance agreement may be concluded in the form of an electronic document if the facts provided by the insured do not correspond to the data contained in the automated information system of compulsory insurance, established in accordance with article 30 of this federal law.
     In the implementation of compulsory insurance statement to conclude a contract of compulsory insurance in electronic form sent to the insurer and signed a simple èlektronnojpodpis′û of the policyholder who is a natural person or a reinforced qualified electronic signature of the policyholder who is a legal person in accordance with the requirements of the Federal law of April 6, 2011 year N 63-FZ "on electronic signatures", recognized electronic document equivalent to document on paper, signed a handwritten signature. (ed. Federal′nogozakona from November 28, 2015  (N) 349-FZ-collection of laws of the Russian Federation, 2015, N, St. ).
     After payment of insurance premium by the insured under the contract of compulsory insurance, the insurer shall send to the insured an insurance policy that you created using the automated information system of compulsory insurance, established in accordance with article 30 of this federal law, in the form of an electronic document signed by the enhanced qualified electronic signature of insurer in compliance with the requirements of the Federal law of April 6, 2011 year N 63-FZ "on electronic signatures". At the same time the insured an insurance policy in the form of an electronic document the insurer contributes information to conclude a contract of compulsory insurance in an automated information system of compulsory insurance, established in accordance with article 30 of this federal law.
     (Item 7-2 vvedenFederal′nym Act of July 21, 2014  N 223-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 30, art. 4224) 8. During the period of validity of the contract of obligatory insurance, the policyholder is obliged to immediately notify in written form the insurer about the change of the particulars in the Declaration on the conclusion of the contract of compulsory insurance.
     9. upon receipt of the policyholder information messages specified in the statement on the conclusion of the dogovoraobâzatel′nogo insurance and (or) provided at the conclusion of the contract, the insurer makes changes in the compulsory insurance policy insurance and compulsory insurance information system vavtomatizirovannuû based on sostat′ej 30 hereof, no later than five working days sdaty changes in the compulsory insurance (insurance policy.  The Federal law from 1 July, 2011.  N 170-FZ-collection of laws of the Russian Federation, 2011, N 27, art. 3881;
Federal law dated July 21, 2014 N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224). 10. Upon termination of the contract of obligatory insurance, the insurer provides the policyholder with information on the number and nature of insurance cases of insurance payouts and about upcoming insurance payments, the duration of insurance under consideration and unresolved claims of victims on insurance claims and other information on insurance during the period of validity of the contract of compulsory insurance (hereinafter-information on insurance).
Information about insurance are provided by insurers for free in writing and entered into the automated information system of compulsory insurance, established in accordance with article 30 of this federal law (as amended by the Federal law dated July 1, 2011  N 170-FZ-collection of laws of the Russian Federation, 2011, N 27, art. 3881). Information about insurance are provided by the owner of the vehicle to the insurer when the implementation of compulsory insurance in subsequent periods and taken into account when calculating insurance premium by the insurer under the contract of compulsory insurance.
     10-1. When concluding a contract of compulsory insurance for purposes of calculating insurance premiums and validate data on the presence or absence of insurance payments, as well as verification of passing the technical inspection of the insurer uses the information contained in the automated information system of compulsory insurance, established in accordance with article 30 of this federal law and the information contained in the unified automated information system technical inspection.
Conclusion of a contract of compulsory insurance without vneseniâsvedenij

about insurance in the automated information system of compulsory insurance, established in accordance with article 30 hereof, and verify that the submitted by the policyholder information contained in an automated information system obâzatel′nogostrahovaniâ and the unified automated information system technical inspection information is prohibited (para 10-1 was introduced by the Federal law dated July 1, 2011 N 170-FZ-collection of laws of the Russian Federation, 2011, N 27, art. 3881; as amended by the Federal law dated July 21, 2014 N 223-FZ-collection of laws of the Russian Federation , 2014, N 30, art. 4224). 11. Bank Rossiiustanavlivaûtsâ application form for concluding a contract of compulsory insurance, insurance compulsory insurance form and the form of the instrument contains informationabout insurance (as amended by the Federal law dated July 23, 2008 N160-FZ-collection of laws of the Russian Federation, 2008, no. 30, art. 3616; federal law dated July 23, 2013  N 251-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4084). Requirements for using electronic documents and the procedure for the exchange of information in electronic form between the insured, injured (beneficiary) and the insurer priosuŝestvlenii compulsory insurance, in particular recognition of information in electronic form, signed by a simple electronic signature, electronic document equivalent to document on paper, podpisannomusobstvennoručnoj signature, shall be established by the Bank of Russia in compliance with the requirements of the Federal law dated August 7, 2001 N 115-FZ "on counteracting the legalization (laundering) of proceeds received by criminal way and terrorism financing "and the Federal law of April 6, 2011 year N63-FZ" on electronic signatures "(paragraph added by Federal zakonomot July 21, 2014  N 223-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 30, art. 4224) (article 15 as amended.  Federal law dated December 1, 2007  N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, St. 6067) article 16. Obâzatel′noestrahovanie with limited use of vehicles 1. Vladel′cytransportnyh means the right to enter into contracts of compulsory insurance in view of the limited use of vehicles under their ownership or possession (in red.  Federal law dated December 1, 2007  N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, St.
6067). Ograničennymispol′zovaniem vehicles owned or owned by citizens, recognized driving only specified strahovatelemvoditelâmi and (or) sezonnoeispol′zovanie vehicles for a period of three months or more in a calendar year (paragraph added by federal law from December 1, 2007  N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, St. 6067). Ograničennymispol′zovaniem vehicles owned or owned by legal entities, recognized their seasonal use, in particular ispol′zovaniesnegouboročnyh, agricultural, irrigation and other special vehicles for six months or longer in kalendarnomgodu (paragraph added by federal law N 306-FZ of December 1, 2007-collection of laws of the Russian Federation, 2007, no. 49, p. 6067).
     About ukazannyhobstoâtel′stvah the owner of the vehicle may declare in writing to the insurer when concluding a contract of compulsory insurance.  In this case, the premium under the contract of compulsory insurance, which takes into account the limited use of a vehicle is determined using coefficients provided for insurance tarifamii responsive driving experience, age and other personal data of drivers admitted manage vehicle and (or) provided for compulsory insurance contract period for its use (paragraph 2 of article 9 hereof).
     2. in the implementation of compulsory insurance in view of the limited use of a vehicle in the insurance policy identifies the drivers admitted to driving, including on the basis of relevant power of Attorney and (or) the Treaty's compulsory insurance period of its use.
     3. the period of validity of the contract of compulsory insurance, taking into account the limited use of a vehicle, the insured shall immediately notify the insurer in writing about the transfer of driving sredstvomvoditelâm, not specified in the insurance policy as admitted to driving a vehicle, and (or) to increase the period of its use beyond the period specified in the contract of obligatory insurance.  When you receive this message, the insurer makes the appropriate changes in the insurance policy.  In doing so, the insurer may require the payment of additional premium in accordance with insurance compulsory insurance rates commensurate with the increased risk.
 
     Article 16-1. Features of consideration of disputes on contracts of compulsory insurance 1. Before filing the lawsuit, kstrahovŝiku contains the requirement to perform the insurance compensation, the victim must obratit′sâk the insurer a statement requiring strahovojvyplate or direct damages, with attached thereto documents envisaged by the rules of compulsory insurance.
     In the event of a disagreement between the victim and the insurer regarding the execution of the last of its obligations under the contract of compulsory insurance to the insurer prior to the bringing of the claim, resulting from nonperformance or improper performance of obligations under the contract of compulsory insurance, the disagreement of the victim with a size undertaken by the insurer indemnity the victim sends the claim to the insurer that include documents you want attached to it and justify the claim of the victim, which is subject to review by the insurer within five calendar days except for the non-working holidays, sodnâ income.  During this period the insurer must satisfy the expressed requirement victims due performance of obligations under the contract of compulsory insurance or send a motivated refusal to meet such a requirement.
     2. Associated with the nonperformance or improper performance by the insurer's obligations under the contract of compulsory insurance of rights and legitimate interests of individuals who are injured or insurers are subject to protection in accordance with the law of the Russian Federation, dated February 7, 1992 N 2300-I "Ozaŝite of the rights of consumers" in the part not regulated by this federal law. The proper execution of the insurer under the contract of compulsory insurance of svoihobâzatel′stv recognized insurance payment or issuance of that repaired vehicle used in the manner and within the period prescribed by this federal law.
     3. In responding to the Court of claims victim-physical person follow indemnity court charges with insurer for failure to comply with the requirements of the victim voluntarily fined 50 per cent of the difference between the cumulative size of insurance benefit is determined by the Court, and the amount of indemnity, the insurer carried out voluntarily.
     4. If nesoblûdeniisroka return the insurance premium in cases stipulated by the rules of compulsory insurance, the insurer pays the insured-person penalty (a fine) in the amount of one percent of the insurance premium under the contract of compulsory insurance for each day of default but not exceeding the amount of the insurance premium for such a treaty.
     5. Strahovŝikosvoboždaetsâ from the obligation of payment of forfeit (fines), the amount of the financial penalties and (or) fine, the insurer's esliobâzatel′stva were executed in the manner and within the period kotoryeustanovleny this federal law, as well as if the insurer proves that the violation of the terms has occurred due to force majeure or due to the fault of the victim.
     6. General razmerneustojki (penalty), the amount of the financial penalties to be paid to the victim-an individual may not exceed the sum insured by type of injury, prescribed by this federal law.
     7. the insurer more recoverable not provided for in this federal law and associated with the conclusion, modification, execution and/or termination of contracts of compulsory insurance penalty (fine), the amount of financial sanctions, a fine.
     8. Responsibility for fulfillment of obligations under the contract of compulsory insurance concluded insurance agent or insurance broker shall be borne by the insurer.
     (Article 16-1 vvedenaFederal′nym Act of July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224, second paragraph of paragraph 1 shall be valid till July 1, 2017 year) article 17. Kompensaciistrahovyh bonuses under the contract of compulsory insurance 1. Persons with disabilities (including children with disabilities), with vehicles in accordance with medical conditions, or their legal representatives shall be compensated at the rate of 50 per cent of their paid insurance premium podogovoru compulsory insurance (as amended by the Federal law of December 1, 2007  N 306-FZ-Sobraniezakonodatel′stva Russian Federation, 2007, no. 49, St. 6067).

     The specified compensation is subject to the use of the vehicle by a person entitled to such compensation, and along with nimne more than two drivers (paragraph added by federal law N 306-FZ of December 1, 2007-collection of laws of the Russian Federation, 2007, no. 49, p. 6067).
     Kompensaciistrahovyh the contract of compulsory insurance premiums âvlâûtsârashodnym commitment of the Russian Federation (in red.  Federal zakonaot December 29, 2004  N 199-FZ-collection of laws of the Russian Federation, 2005, N 1, p. 25).
     Russian Federaciâperedaet bodies of State power of constituent entities of the Russian Federation the powers to pay compensation to disabled insurance premiums obâzatel′nogostrahovaniâ Treaty established by this article (paragraph vvedenFederal′nym of the Act of December 29, 2004  N 199-FZ-collection of laws of the Russian Federation, 2005, N 1, art. 25.) for the transferred authority to provide such measures of social podderžkipredusmatrivaûtsâ in the federal budget in the form of subsidies (paragraph added by federal law N 199-FZ of December 29, 2004-collection of laws of the Russian Federation, 2005, N 1, p. 25; in Ed. Federal′nogozakona from May 7, 2013  N 104-FZ-collection of laws of the Russian Federation, 2013, no. 19, art. 2331). Amount of funds provided for by the budget of the Russian Federation, is determined on the basis of the number of persons who have the right to such measures of social support, as well as the size of the insurance premiums, calculated in accordance with this federal law (paragraph added by federal law from December 29, 2004  N 199-FZ-collection of laws of the Russian Federation, 2005, N 1, p. 25).
     Subvenciizačislâûtsâ in accordance with the established for the execution of the federal budget on account of the budgets of the Federation sub″ektovRossijskoj (paragraph added by federal law from December 29, 2004 N 199-FZ-collection of laws of the Russian Federation, 2005, N1, art. 25).
     Porâdokrashodovaniâ and accounting funds for provision of subsidies shall be established by the Government of the Russian Federation (paragraph added by federal law from December 29, 2004  N 199-FZ-collection of laws of the Russian Federation, 2005, N 1, p. 25).
     Organygosudarstvennoj authorities of subjects of the Russian Federation are quarterly with the Federal Executive Body, performing a unified State financial, credit, denežnojpolitiki, report about expenditure of subventions provided showing the number of persons entitled to social support measures specified categories of recipients, and takžes showing expenditures.     In case you need additional reports shall be submitted in accordance with the procedure determined by the Government of the Russian Federation (paragraph added by federal law from December 29, 2004  N 199-FZ-collection of laws of the Russian Federation, 2005, N 1, art. 25). these powers are targeted and can not byt′ispol′zovany to other purposes (paragraph added by federal law from December 29, 2004  N 199-FZ-collection of laws of the Russian Federation, 2005, N 1, art. 25.) in the case of the use of funds for the purposes not authorized federal body of executive power shall have the right to carry out the recovery of such funds in the manner prescribed by the legislation of the Russian Federation (paragraph added by federal law N 199-FZ of December 29, 2004-collection of laws of the Russian Federation, 2005, N 1, p. 25).
     Zarashodovaniem control is carried out by the federal executive body charged with the function of kontrolûi supervision in the fiscal sphere, the federal body of executive power executing control functions inadzoru in healthcare and social development, audit Chamber of the Russian Federation (paragraph added by federal law from December 29, 2004  N 199-FZ-collection of laws of the Russian Federation, 2005, N 1, art. 25.) Organygosudarstvennoj authorities of subjects of the Russian Federation shall have the right to confer the laws of constituent entities of the Russian Federation, bodies of local self-government, municipalities and settlements urban districts the authority to pay compensation to disabled insurance premiums under a contract of compulsory insurance established by this article (paragraph added by federal law from December 25, 2008  N 281-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6236). 2. State authorities of the constituent entities of the Russian Federation and bodies of local self-government within its competence has the right to establish full or partial compensation insurance premiums for contracts of compulsory insurance of other categories of citizens.   Sources of financing and the provision of ukazannyhkompensacij shall be determined in accordance with normative legal acts of the constituent entities of the Russian Federation and the normative legal acts of local self-government bodies.
 
     Chapter III. Compensatory payments (the name in red.  Federal law dated July 21, 2005  N 103-FZ-collection of laws of the Russian Federation, 2005, N 30, art. 3114) article 18. The right targeted at achieving compensatory payments 1. Compensation for harm caused to life or health of the victim, shall be carried out in cases where the insurance payment on obâzatel′nomustrahovaniû may not be carried out owing to: (a)) introduction in respect of the insurer in accordance with the legislation of the Russian Federation procedures vdele on bankruptcy (in red.  Federal law dated July 21, 2014.  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224);
     b insurer license revocation) on osuŝestvleniestrahovoj activities;
     in the suspense) the person responsible for the damage caused to the victim;
     g) absence of dogovoraobâzatel′nogo insurance by which the insured civil liability of injuring persons due to non-observance of the established hereby Federal′nymzakonom duty on insurance.
     2. Compensation for harm caused to property of a victim is carried out in cases where the insurance payment for compulsory insurance cannot be carried out owing to: (a)) introduction in respect of the insurer in accordance with the legislation of the Russian Federation procedures applicable bankruptcy vdele (as amended by the Federal law dated July 21, 2014  N 223-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 30, art. 4224);
     b) insurer Republic license revocation of insurance activity.
     2-1. sčetvozmeŝeniâ compensation insurer, has direct damages through insurance payments shall be carried out in accordance with paragraph 6 of article 14-1 of this federal law (paragraph 2-1 was introduced by the Federal law dated July 21, 2014 N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224).
     3. On the territory of the Russian Federation inostrannyegraždane, stateless persons and foreign legal entities imeûtpravo to receive compensation payments on an equal footing with citizens of the Russian Federation and Russian legal entities (in red.  Federal law dated December 1, 2007  N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, St. 6067). 4. (Utratilsilu, paragraph 4 on the basis of the Federal law of December 1, 2007  N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, St. 6067) 5. (Utratilsilu, paragraph 5 on the basis of the Federal law of December 1, 2007  N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, St. 6067) 6. The claim of the injured party or on demand of the insurer which direct damages, on the implementation of the compensation may be brought within three years (in red.  Federal law July 2014 of19 g.  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224) (article 18 as amended.  Federal law dated July 21, 2005.  N 103-FZ-collection of laws of the Russian Federation, 2005, N 30, art. 3114) article 19. Payment 1 Osuŝestvleniekompensacionnyh. Compensation payments are carried out by the Professional Association of insurers, acting on the basis of constitutive documents and in accordance with this federal law, according to the requirements of persons entitled to receive them.
     To consider claims for compensation, to carry out compensatory payments and implement the right provided for in article 20 of this federal law, can force insurers at the expense of the Professional Association of insurers on the basis of concluded contracts with him.
     The relations between the meždupoterpevšim and the Professional Association of insurers over reimbursements by analogy apply the rules established by the legislation of the Russian Federation for the relationship between the beneficiary and the insurer under the contract of compulsory insurance.   The relationship between Professional Association of insurers and the insurer making the direct damages or the insurer who has insured civil liability of the person who has caused harm, by analogy apply the rules established by the legislation of the Russian Federation for the relations between the insurer, making direct damages and the insurer of the person liable, the insurance on home pričinivšegovred.

     The relevant provisions apply insofar as not otherwise stipulated by this federal law and follows from the nature of such relationships.
     2. Kompensacionnyevyplaty installed: in part compensation for harm caused to life or health of each sufferer, up to 500 thousand roubles, taking into account the requirements of paragraph 7 of article 12 hereof;
     in part compensation for harm caused to property of each injured, in the amount not exceeding 400 thousand rubles.
     At that, these compensatory payments reduced by an amount equal to the amount produced by the insurer and (or) charge of injury face a partial reparation.
     3. Prior to the presentation to the unification of insurers claim that contains the requirement on the implementation of the compensation, the victim must apply to the interconnection of insurers with a statement requiring the compensation payment, with attached documents to him, the list of which is determined by the rules of compulsory insurance.
     4. The Professional Association of insurers examines the application of the victim on the implementation of the compensation and the enclosed documents within 20 calendar days, except for non-working holidays, from the date of their receipt. Within the specified period of the Professional Association of insurers is required to pay a compensatory payment to the victim by listing the amounts of compensation to the victim's bank account or to send him a reasoned refusal in such payment.
     5. the provisions of article 12, paragraph 15 abzacavtorogo of this federal law on the Organization and pay for the refurbishment of damaged vehicle at the expense of the insurance indemnity shall not apply to relations on the exercise of the Professional Association of insurers for compensation payments.
     (Article 19 in red.  Federal law dated July 21, 2014  N 223-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 30, art.  4224) article 20. Vzyskaniesumm compensatory payments 1. Summakompensacionnoj payments made by the victim in accordance with subparagraphs "b" and "d" paragraph article 18 hereof, shall be collected in accordance with the recourse on the suit of the Professional Association of insurers with the person responsible for the damage caused to the victim (in red.  Federal law dated July 21, 2005  N 103-FZ-collection of laws of the Russian Federation, 2005, N 30, art. 3114). Professional′noeob″edinenie insurers also have the right to demand from a specific person reimbursable for the consideration of the demands of the injured on the compensation payment.
     2. Within the amount kompensacionnojvyplaty, produced the victim pursuant to subparagraphs a and b of paragraph 1 and paragraph 2 of article 18 hereof, to unite the insurers goes right to claim indemnity for compulsory insurance, which the victim has to the insurer (in red.  Federal law dated July 21, 2005 N 103-FZ collection zakonodatel′stvaRossijskoj Federation, 2005, N 30, art. 3114). 3. Within summykompensacionnoj, osuŝestvlennojv payments under paragraph 2-1 article 18 hereof, to unite the insurers goes right to claim compensation by insurance payments on a contract of compulsory insurance, which in accordance with the agreement on direct damages provided for in article 26-1 hereof, the insurer fulfills the direct damages has to the insurer, zastrahovavšemu civil liability of the person who has caused harm (para. 3 of the Act of July 21, 2014 vvedenFederal′nym N 223-FZ-collection of laws of the Russian Federation , 2014, N 30, art. 4224). Chapter IV. Insurers Article 21. Insurers 1. The insurer must have in each subject of the Russian Federation a representative authorized to review claims of victims on insurance claims and prâmomvozmeŝenii damages, as well as insurance payments and direct damages. Service on the conclusion of contracts of compulsory insurance shall be provided in any separate unit of insurer (branch) (as restated.  Federal law dated July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224). 2. Insurers must be members of the Professional Association of insurers, acting in accordance with this federal law.  If the insurer's withdrawal or expulsion from the Professional Association of insurers of the Professional Association of insurers within one working day shall notify the Bank of Russia (as amended by the Federal law dated July 21, 2014 N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224).
     3. Requirement to the insurance organization seeking permission (license) for the implementation of compulsory insurance of civil liability of vehicle owners, is this strahovojorganizacii not less than two years of experience in the implementation of the insurance operations of vehicles or civil otvetstvennostiih owners.
     Insurers and their representatives must be adapted to the performance of its functions the premises and have access to the automated information system of compulsory insurance, established in accordance with article 30 of this federal law (as amended by the Federal law dated July 21, 2014 N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224).
     4. the insurer maintains a log of compulsory insurance contracts accounting, Journal of accounting losses and prematurely terminated contracts of compulsory insurance, compulsory insurance contracts accounting log taken reinsurance accounting log losses on contracts of compulsory insurance inward reinsurance contracts, the accounting history compulsory insurance contracts transferred in reinsurance, reinsurers share log in ubytkahpo contracts of compulsory insurance in reinsurance, and represents the data these logs in the Professional Association of insurers in order prescribed by the rules of professional activity. Within five working days from the date of revocation of the license for conducting insurance exclusion or voluntary withdrawal of the Professional Association of insurers, the insurer is obliged to transfer the specified logs, as well as unused forms insurance compulsory insurance of the Professional Association of insurers (item 4 was introduced by the Federal law of December 1, 2007 N 306-FZ-Sobraniezakonodatel′stva Russian Federation, 2007, no. 49, p. 6067; as amended by the Federal law of19 July 2014 N 223-FZ collection zakonodatel′stvaRossijskoj Federation , 2014, N 30, art. 4224). 5. (Para. 5 of the Act of December 1, 2007 vvedenFederal′nym N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, St.  6067; lost effect on the grounds of the Federal′nogozakona of July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224) 6. (Para. 6 of the Act of December 1, 2007 vvedenFederal′nym N 306-FZ-Sobraniezakonodatel′stva Russian Federation, 2007, no. 49, St.  6067; lost effect on the grounds of the Federal′nogozakona of July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224) 7. (Para. 7 of the Act of December 1, 2007 vvedenFederal′nym N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, St.  6067; lost effect on the grounds of the Federal′nogozakona of July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224) article 22. Osobennostiosuŝestvleniâ poobâzatel′nomu operations insurance insurers 1. Obâzatel′nogostrahovaniâ Contracting Organization and advertising services specific insurers poobâzatel′nomu insurance on the premises and in the territories occupied by the State authorities of the Russian Federation, bodies of State power of the constituent entities of the Russian Federation and bodies of local self-government shall be prohibited.
     2. If the implementation of the obâzatel′nogostrahovaniâ the difference between income and expenditure of the insurer for the pervyjkvartal, half a year, nine months, calendar year (accounting period) exceeds 5 per cent of these revenues, the excess shall be sent to the insurer on the formation of a reserve for insurance reimbursement for the implementation of insurance payments and direct damages in subsequent periods (stabilization allowances for compulsory insurance) until the reserve data less than 10 per cent of the amount of reserve developments but undeclared losses, sformirovannogostrahovŝikom for the implementation of compulsory insurance premiums (reserve occurred, but undeclared losses on compulsory insurance) at the end of the reporting period (in the redaction of Federal′nogozakona from February 28, 2009  N 30-FZ-collection of laws of the Russian Federation, 2009, N 9, art. 1045). 3. In the implementation of compulsory insurance insurers contribute from premiums on compulsory insurance contracts in the Professional Association of insurers:

     for financial provision for compensation payments stipulated in subparagraphs a and b punkta1, paragraphs 2 and 2-1 article 18 hereof (reserve guarantees);
     for financial provision for compensation payments made in accordance with subparagraphs "in" i"g" of paragraph 1 of article 18 hereof (the current compensation reserve).
     Strahovŝikovv guarantees and reserve contributions reserve current compensation payments are recognized strahovŝikovi running costs are included in the financial result on compulsory insurance.
     Minimum guarantee reserve and razmeryotčislenij reserve current compensation shall be established in accordance with the structure of insurance rates. The final size of the deductions to the reserve guarantees and reserve current compensation payments is determined by insurer including extra-pay for the minimum contributions set by the Professional Association of insurers of insurers in the regulation of professional activities on the basis of sufficiency of the guarantees and reserve reserve current compensation payments for the financial security of the relevant compensation payments, the insurer's financial strength and (or) other factors significantly affect the likelihood of implementing compensatory payments and their possible volume.
     (Para 3 as amended.  Federal law dated July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224) Article 23.  (Repealed based on Federal′nogozakona from December 1, 2007  N 306-FZ collection zakonodatel′stvaRossijskoj Federation, 2007, no. 49, St. 6067) Chapter v. Professional Association of insurers Article 24. Professional Association of insurers 1. Professional Association of insurers is a non-profit organization representing a single all-Russian professional association founded naprincipe compulsory membership of insurers and acts in order to ensure their collaboration and the formation of rules of professional activities in the implementation of compulsory insurance as well as in order to ensure the carrying out of technical inspection of vehicles in accordance with the legislation in the field of technical inspection of vehicles (as amended by the Federal law dated July 1, 2011  N 170-FZ-collection of laws of the Russian Federation, 2011, N 27, art. 3881). 2. Professional′noeob″edinenie insurers acquire their status from the day of making the details of the Bank of Russia in the register of associations of the subjects of the insurance business as a professional association of insurers (as amended by the Federal law dated July 23, 2013  N 251-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4084). Professional′noeob″edinenie insurers created and shall act in accordance with the provisions of the legislation of the Russian Federation provided to associations (unions).
These provisions shall apply, taking into account established by this federal law features of the status of the Professional Association of insurers.
     3. insurers ' Professional′noeob″edinenie is open to the entry of new members.
     Učreditel′nyedokumenty professional association must contain a provision of the agreement of the members of the professional′nogoob″edineniâ of the insurance companies that meet the requirements in accordance with the founding documents of the Professional Association for members of the Professional Association.
     Upravleniâprofessional′nogo bodies of Association of insurers shall be formed in accordance with the legislation of the Russian Federation, constituent documents professional′nogoob″edineniâ insurers, on the principles of equal rights of its members on a mission to the upravleniâprofessional′nogo electoral associations of insurers and the participation of the Division Association (paragraph added by federal law from July 21, 2014 N 223-FZ collection zakonodatel′stvaRossijskoj Federation, 2014, N 30, art. 4224).
     4. Supervision of compliance with the Professional Association of insurers requirements legislation in the field of vehicle inspection is carried out by the Bank of Russia in accordance with the established procedure (item 4 was introduced by the Federal law dated July 23, 2013  N 251-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4084). Article 25. Ipolnomočiâ features professional association of insurers 1. Professional′noeob″edinenie insurers: s) obespečivaetvzaimodejstvie of its members when carrying out compulsory insurance, develops and establishes the mandatory professional association and its členovpravila professional activity and monitors their observance;
     b) is izaŝiŝaet in the organs of State power, local self-government bodies, other bodies and organizations of interest related to the implementation of the Professional Association members of compulsory insurance;
     in) carries out compensatory payments and sets dimensions otčislenijstrahovŝikov in reserve guarantees and reserve current compensation payments in accordance with the founding documents of professional associations and the requirements of this federal law, as well as the right to claim under article 20 nastoâŝegoFederal′nogo Act (as amended by the Federal law dated July 21, 2014 N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224);
     in-1) organizuetobespečenie its members forms, insurance compulsory insurance and forms used in the implementation of operations in the framework of insurance meždunarodnyhsistem insurance, monitors the specified forms and places on its official website in the information and telecommunication network "Internet" received from its members, information on the number of forms of insurance policies, aimed at the subdivisions of the insurer (branches) of each of the constituent entities of the Russian Federation ("-1" was introduced by the Federal law of December 28, 2010 N 392-FZ-collection of laws of the Russian Federation , 2011, N 1, art.  4; in red.
Federal law dated July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224);
     in-2) informs the vehicle owners on the procedure of registration of documents about an accident without the involvement of NATO Police Commissioners, in accordance with article 11-1 of this federal law (podpunkt"v -2" was introduced by the Federal law dated July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224);
     in-3) represents for the requirements of owners of vehicles, poterpevšihinformaciû of a valid contract of compulsory insurance in respect of specified in trebovaniilica, the room of such contract and the insurer with whom he concluded (subparagraph "b-3" was introduced by the Federal law dated July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224);
     g) compensates for missing part of assets on the transfer of the insurance portfolio with funds intended for the implementation of the compensation, in accordance with the Federal law of October 26, 2002 N 127-FZ "on Insolvency (bankruptcy)";
     g-1) takes place in accordance with the legislation in the field of vehicle inspection accreditation inspection, operators shall maintain a register of accredited operators technical inspection (subparagraph "g-1" entered Federal′nymzakonom of July 1, 2011  N 170-FZ-collection of laws of the Russian Federation, 2011, N 27, art. 3881);
     g-2) (Podpunkt"g -2" was introduced by the Federal law dated July 1, 2011 N 170-FZ-collection of laws of the Russian Federation, 2011, N 27, art. 3881; abrogated under the Federal Act of26 July 2012 N 130-FZ collection zakonodatel′stvaRossijskoj Federation, 2012, N 31, p. 4319) d) exercise any other functions provided for legal aktamiPravitel′stva the Russian Federation, normative acts of the Bank of Russia by the founding documents of the Professional Association in accordance with its purposes and objectives (as amended by the Federal law dated July 21, 2014 N 223- FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224). (para 1 as amended.  Federal law dated April 22, 2010  N 65-FZ-collection of laws of the Russian Federation, 2010, N17, art. 1988) 2. Professional′noeob″edinenie insurers shall have the right to: create anduse information systems containing information on compulsory insurance, insurance in the international insurance systems, including information on contracts of compulsory insurance and insurance cases, personal data about strahovatelâh and victims, established by the legislation of the Russian Federation requirements for the protection of information with restricted access (in red.  Federal law dated July 11, 2011 N 200-FZ collection zakonodatel′stvaRossijskoj Federation, 2011, N 29, art. 4291;
Federal law dated July 21, 2014 N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224);
     osuŝestvlât′zaŝitu in court the interests of členovprofessional′nogo associations related to their implementation of the compulsory insurance;
     osuŝestvlât′vozložennye in accordance with

the legislation of the Russian Federation informacionnomui functions of the organizational-technical support of the implementation of this federal law, including the functions of sdeâtel′nost′û members of the professional′nogoob″edineniâ in the international insurance systems (in red.  Federal′nogozakona from December 1, 2007  N 306-FZ-Sobraniezakonodatel′stva Russian Federation, 2007, no. 49, St. 6067);
     osuŝestvlât′vozložennye in accordance with the legislation of the Russian Federation and the international insurance systems funkciinacional′nogo Association of insurers, implementing operations in the international insurance systems (paragraph added by federal law from July 21, 2014  N223-FZ-collection of laws of the Russian Federation, 2014, N 30, art.
4224). Professional′noeob″edinenie insurers may perform other prescribed documents egoučreditel′nymi activities in accordance with the objectives of the present Federal′nymzakonom.
     Professional′noeob″edinenie can carry out commercial activities only insofar as this is dostiženiûcelej for which it was created, and relevant to these objectives.
     In accordance with the legislation in the field of vehicle inspection is the Professional Association of insurers shall verify the compliance of applicants for accreditation and monitoring of technical inspection operators on compliance and accreditation rules for tehničeskogoosmotra (paragraph added by federal law from July 1, 2011  N 170-FZ-collection of laws of the Russian Federation, 2011, N 27, art.
3881). Article 26. Pravilaprofessional′noj activity 1. Professional ob″edineniemstrahovŝikov establishes rules for mandatory professional association and its members and contain: (a) requirements) order iuslovij the consideration of the members of the Professional Association of the victims ' claims on insurance claims under contracts of compulsory insurance concluded by other members of the professional community, the procedure and conditions for the implementation of the insurance payments;
     b) terms and conditions of the implementation of the Professional Association for compensation payments, including priority meet these requirements in the event of insufficient funds of the professional community, and the modalities for distribution among its members responsibility for obligations of the Professional Association relating to the implementation of the compensatory payments (as amended by the Federal law dated July 21, 2014 N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224);
     b-1) terms and conditions of the direct damages (subparagraph "b-1" was introduced by the Federal law of December 1, 2007  N 306-FZ collection zakonodatel′stvaRossijskoj Federation, 2007, no. 49, St.
6067;  in red.  Federal law dated July 21, 2014  N 223-FZ collection zakonodatel′stvaRossijskoj Federation, 2014, N 30, art.
4224);
     in) the mode of financing of the compensatory payments to members of professional associations, measures to monitor the intended use of the funds concerned, conduct of the Professional Association of accounting for transactions with funds for compensation payments;
     in-1) actions of members of the Professional Association of insurers and their registration documents for the transfer of the insurance portfolio, as well as additional conditions and characteristics of the transfer of an insurance portfolio, including choice of insurer, to receive the insurance portfolio when applying measures to prevent bankruptcy of the insurer and in the course of the procedures applied in the bankruptcy case of the insurer, determine the size of the order and payment of the insurer, insurance portfolio kotoromuperedan, the corresponding remuneration (subparagraph "b-1" was introduced by the Federal law of December 1, 2007  N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, St. 6067; in red. The Federal law of April, 2010 ot22.  N 65-FZ-collection of laws of the Russian Federation, 2010, N 17, art. 1988);
     g) the creation and use of information systems professional association providing information of restricted access, as well as the protection of information in these systems (as amended by the Federal law dated July 11, 2011  N 200-FZ-collection of laws of the Russian Federation, 2011, N 29, art. 4291);
     d) porâdkavstupleniâ in the Professional Association of new members and the withdrawal or expulsion of members;
     e) conditions and procedures for the formation of a professional association and expenditure on objectives other than funding for compensation payments, including the allocation of costs, fees and contributions among its members;
     f) kvalifikaciirabotnikov;
     w) documentation, pravilvedeniâ accounting and reporting;
     and) protect involving compulsory insurance policyholders and rights of victims, including some of their complaints to members of professional associations;
     k) procedures for conducting audits of members of professional associations for compulsory insurance and their compliance with established rules, including the establishment of a monitoring body and the order of seeing the results of those checks to the other members of the professional community, as well as requirements on ensuring transparency of information to carry out such inspections;
     l) sanctions and other measures against členamprofessional′nogo associations, their dolžnostnyhlic and employees, how to apply and account for such sanctions and other measures, as well as monitoring ihispolneniem;
     m) settlement of disputes between members of the Professional Association, encountered when considering a member of the Professional Association of the victims ' claims and implementation of insurance payments on obligatory insurance contracts concluded by other Member Professional Association, as well as other issues of professional deâtel′nostipo compulsory insurance;
     n) Professional Association of insurers and its members in the international insurance systems in accordance with paragraph 9 of article 31 of the Federal law (as amended by the Federal law dated July 21, 2014 N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224);
     about) how to define the contributions insurers reserve safeguards and current reserve kompensacionnyhvyplat (as amended by the Federal law dated July 21, 2014 N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224);
     p) accounting, storage, destruction and transfer of forms of insurance policies ("n" inducted Federal′nymzakonom from December 1, 2007  N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, St. 6067);
     r) establishing the percentage reward for concluding a contract of compulsory insurance from insurance premiums paid by the insured under a contract of compulsory insurance, the business expenses of the insurer for the implementation of obâzatel′nogostrahovaniâ (in red.  Federal Law 27 December 2009 N 362-FZ-collection of laws of the Russian Federation, 2009, no. 52, art. 6438);
     c) order ipredostavleniâ the log of compulsory insurance contracts, contracts of coinsurance, the log loss and prematurely terminated contracts of insurance, coinsurance (paragraph "c" was introduced by the Federal law of April 22, 2010  N 65-FZ-collection of laws of the Russian Federation, 2010, N 17, art. 1988);
     t) porâdkaobespečeniâ members of the Professional Association of insurers of insurance compulsory forms strahovaniâi forms used in operations on strahovaniûv the international systems of insurance, the use of these forms and the establishment of a number of treaties concluded by the compulsory insurance in the form of electronic documents, depending on financial stability and solvency of members of the Professional Association of insurers, as well as the fulfilment of the conditions of membership in the merger of insurers ("t" introduced from Federal′nymzakonom December 28, 2010  N 392-FZ-collection of laws of the Russian Federation, 2011, N1, art.  4;  in red. Federal law dated July 21, 2014 N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art.
4224);
     u) implementation of the insurer's representative, zastrahovavšego civil liability of the victim, the Authority claims of victims of direct damages and implementation of direct damages on behalf of and at the expense of the sending of the insurer ("y" was introduced by the Federal law dated July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224);
     s) relationships with insurance agents and insurance brokers, performing as a member of the Professional Association of insurers insurance insurance polisovobâzatel′nogo registration (paragraph "f" was introduced by the Federal law dated July 21, 2014  N 223-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 30, art. 4224);
     x) relationship of the members of the Professional Association of insurers with maintenance ("x" was introduced by the Federal zakonomot July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224);
     TS) Organization contracting obâzatel′nogostrahovaniâ

in the form of electronic documents (paragraph "c" was introduced by the Federal law dated July 21, 2014  N 223-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 30, art. 4224);
     h) other rules of professional activities, the establishment of which is related to address members of the Professional Association of insurers within the competence of the Professional Association of insurers ("h" put Federal′nymzakonom of July 21, 2014  N 223-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 30, art. 4224.) 1-1. Requirements specified in sub-clauses "a"-"d", "h"-"TS" paragraph 1 of this article shall be established and modified by the Professional Association of insurers on the harmonization of sBankom Russia, inyepredusmotrennye paragraph 1 of this article the requirements-Professional Association of insurers subject to notification of the Bank of Russia in accordance with the established procedure.
     Pravilaprofessional′noj activity and made in these regulations, the change does not take effect before the date of their agreement with the Bank of Russia. Amendments made to the regulation of professions and isn't resulting in changes in the composition and scope of the rights and responsibilities of the Professional Association of insurers, the insurers, policyholders, victims, beneficiaries and other persons who do not require the approval of the Bank of Russia and presented in order of notification.
     (Paragraph 1-1 was introduced by the Federal law of December 1, 2007  N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, St.  6067; in red.  Federal law dated July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224) 2. If the installed rules insurers professional′nymob″edineniem professional activities violate the rights of other persons, including the victims, policyholders, insurers, non-professional association, the person whose rights have been violated, iBank Russia has the right to lodge a complaint about the acceptance of these rules as invalid or a claim ovnesenii changes (as amended by the Federal law dated July 23, 2013  N 251-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4084). persons whose rights have been violated, has the right to demand from the Professional Association of insurers reimbursing suffered losses.
     3. The Professional Association of insurers places affecting the interests, rights and obâzannostistrahovatelej and (or) victims retrieved from the rules of professional activities, taking into account the amendment on its official website in the information and telecommunication network "Internet" (paragraph 3 was introduced by the Federal law dated July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224). Article 26-1. Legacyabout direct damages 1. Prâmomvozmeŝenii loss agreement is concluded between the members of the Professional Association of insurers and the Professional Association of insurers.   This agreement defines the order and conditions of settlements between the insurer, making direct damages and the insurer who has insured civil liability of persons, pričinivšegovred, as well as between the insurer, making direct damages or the insurer who has insured civil liability of the victim, and the Professional Association of insurers in cases stipulated by article 14-1 of this federal law.
     The performance of the obligations of the insurer, zastrahovavšego civil liability of the person who has caused harm, before the insurer making the direct damages, in the case provided for in paragraph 5 of article 14-1 of this federal law may be exercised through indemnity the amount paid in damages for each requirement of the victim and (or) on the basis of the number of satisfied requirements during the reporting period, average amounts of insurance payments under ssoglašeniem on direct damages.
     Soglašeniûo requirements for direct damages, settlements between insurers, as well as the peculiarities of accounting transactions related to direct damages, shall be established by the Bank of Russia.
     2. The founding documents of the Professional Association of insurers must be provided that the accession to the agreement on direct damages, entered into between the Professional Association of insurers and all its members, is a sine qua non of membership in a professional organization uniting insurance underwriters.
     (Article 26-1 vvedenaFederal′nym Act of December 1, 2007 N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, St.  6067; in red.  Federal law dated July 21, 2014.  N 223-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 30, art. 4224) article 27. Obâzannost′professional′nogo Association for the implementation of the compensatory payments 1. The founding documents of the professional association must be his responsibility for the implementation of this federal law, compensation payments and against členovprofessional′nogo Association-their subsidiary liability for the obligations of the concerned professional associations.
     2. Claims for compensation, provided by subparagraphs a and b of paragraph 1, paragraphs 2 and 2-1 article 18 hereof shall be treated as a professional association of insurers at the expense of means to members of the Professional Association of insurers in the reserve guarantees, as well as funds derived from the sale of the Professional Association of insurers claim under paragraphs 2 and 3 of article 20 hereof.
     The victims ' demands for compensation, provided by subparagraphs "b" and "d" paragraph article 18 hereof shall be treated as a professional association of insurers at the expense of means to members of the Professional Association of insurers under paragraph 3 of article 22 hereof current reserve compensation payments, as well as funds derived from the sale of the Professional Association of insurers claim under paragraph 1 of article 20 hereof.
     With insufficient means to members of the Professional Association of insurers from the reserve guarantees, claims for compensation, provided by subparagraphs a and b of paragraph 1, paragraphs 2 and 2-1 article 18 hereof shall be treated as a professional association of insurers at the expense of funds under paragraph 3 of article 22 hereof current reserve compensation payments, as well as funds derived from the sale of the Professional Association of insurers claim under paragraph 1 of article 20 hereof.
     With insufficient means to members of the Professional Association of insurers of the current reserve of the compensation claims of victims for compensation, provided by subparagraphs "in" i"g" of paragraph 1 of article 18 hereof shall be treated as a professional association of insurers at the expense of funds under paragraph 3 of article 22 of the present Federal law reserve guarantees, as well as funds derived from the sale of the Professional Association of insurers claim under paragraphs 2 and 3 of article 20 hereof.
     (Item 2 in red.  Federal law dated July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224) 3. (Utratilsilu, paragraph 3, on the basis of the Federal law dated July 21, 2014  N 223-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 30, art. 4224) article 28. Imuŝestvoprofessional′nogo Association of insurers 1. Property Professional Association of insurers is formed by: property passed professional reunification by its founders in accordance with the memorandum of Association professional association;
     entrance fees, membership dues, contributions, and other mandatory payments paid in professional association by its members in accordance with the rules of professional associations;
     proceeds from the realization of the rights requirements set out in article 20 of this federal law;
     fees for accreditation of operators of the technical inspection provided for in accordance with the legislation in the field of technical inspection of vehicles;
     voluntary contributions from other sources.
     Property Professional Association of insurers can be used only in the cycling applications for which it was created the Professional Association.
     (Para 1 as amended by the Federal law dated July 1, 2011 N 170-FZ-collection of laws of the Russian Federation, 2011, N 27, art. 3881)
     2. Funds intended for the financing of compensation payments, and tools that make up the Foundation of current liabilities, other assets obosoblâûtsâot Professional Association (as amended by the Federal law dated July 21, 2014 N223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224).
     When the funds intended for the financing of the compensation provided for in subparagraphs a and b

paragraph 1, paragraphs 2 and 2-1 article 18 hereof, are separated from the nafinansirovanie funds for compensation payments on other grounds (in red.  Federal law dated July 21, 2005  N 103-FZ-collection of laws of the Russian Federation, 2005, N 30, art. 3114; Federal law dated July 21, 2014  N 223-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 30, art. 4224). Funds intended for the financing of compensation payments, and tools that make up the Fund current obligations are reflected on the balance sheet of the professional associations and maintained separate records.  Dlârasčetov on activities related to the implementation of each of these types of compensation payments, professional association opens a separate bankovskijsčet (in red.  Federal zakonaot N 223-FZ of July 21, 2014-collection of laws of the Russian Federation, 2014, N 30, art. 4224). The funds intended for the financing of the compensation cannot be levied on the obligations of the Professional Association of insurers, if the occurrence of such obligations not related to the implementation of compulsory insurance compensation payments (paragraph added by federal law from June 14, 2012  N 78-FZ-collection of laws of the Russian Federation, 2012, N 25, art. 3268). 2. (Item 2-1 vvedenFederal′nym Act of December 1, 2007 N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, St.  6067; lost effect on the grounds of the Federal′nogozakona of July 21, 2014 N 223-FZ collection zakonodatel′stvaRossijskoj Federation, 2014, N 30, art. 4224) 3. Investirovanievremenno free tools professional association is based on the diversification, recovery, liquidity pribyl′nostii solely for the purpose of preservation and growth of these funds.
     Free cash Razmeŝenievremenno Professional Association of insurers allowed in credit organizations whose asset size is 50 or more billion rubles and (or) the amount of funds raised from individuals on the basis of agreements of bank deposit and bank account contracts is 10 or more billion rubles.  Not permitted placement of temporarily free funds Professional Association of insurers in credit institutions under direct or indirect kontrolemčlenov professional associations, except credit institutions, shares (shares in the Charter capital) kotoryhprinadležat Russian Federation or Russia's Bank rate, which allows to determine the decisions specified credit institutions on matters within the competence of the general meeting of their founders (participants) (as amended by the Federal law dated July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224). 4. Professional′noeob″edinenie insurers maintains statistics on the implementation of the compensatory payments containing including the largest reserve safeguards and current compensation reserve obinvesticionnom resulting from placing funds on reserves data by them strahovŝikamisummah, of the amounts derived from the sale of rights under article 20 hereof, on the performance of data provision for the implementation of the compensation and submits the information to the Bank of Russia (as amended by the Federal law dated July 21, 2014 N 223-FZ-collection of laws of the Russian Federation , 2014, N 30, art. 4224). 5. Funds received from the sale of the Professional Association of the rights requirements set out in article 20 of this federal law, shall be sent to fund compensation payments.
     6. annual accounting (financial) statements of the Professional Association of insurers audit podležitobâzatel′nomu (in red.  Federal′nogozakona of July 21, 2014  N 223-FZ collection zakonodatel′stvaRossijskoj Federation, 2014, N 30, art.
4224). Auditorskaâorganizaciâ and the terms and conditions of the contract, which is obliged to conclude with her professional association of insurers approved by the general meeting of members of insurers ' professional′nogoob″edineniâ (as amended by the Federal law dated July 21, 2014  N 223-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 30, art.  4224; Federal law dated November 4, 2014 N 344-FZ collection zakonodatel′stvaRossijskoj Federation, 2014, (N) 45, St.
6154). 7. Annual report, annual accounting (financial) statements of the Professional Association of insurers together with the Auditors ' report thereon within one month after their approval by the general meeting of members of the Professional Association of insurers are subject to annual informacionnotelekommunikacionnoj published in the Internet. This publication information transferable Professional Association of insurers in Bank of Russia (as amended by the Federal law dated July 21, 2014  N 223-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 30, art. 4224;  Federal law dated 4noâbrâ 2014 N 344-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, (N) 45, St. 6154). Article 29. Iinye contributions compulsory payments of members of the Professional Association Size, order uplatyčlenami Professional Association of insurers of assessments, contributions and other mandatory payments in the Professional Association establishes a common sobraniemčlenov Professional Association in accordance with this federal law, other legal aktamiRossijskoj of the Federation and the constituent instruments of the Professional Association.   For the implementation of the insurers insurance within the framework of the international insurance systems the founding documents of the Professional Association of insurers may be a different procedure for fixing and paying the mandatory contributions (in red.  Federal law dated December 1, 2007  N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, St. 6067). Chapter VI. Final provisions Article 30. Communication 1. Organyispolnitel′noj the Russian Federation authorities, executive bodies of the constituent entities of the Russian Federation, bodies of local self-government, the Bank of Russia, organizations and citizens must provide, free of charge, upon request of the insurers and their professional association information held by them, in respect of which the requirement of ensuring its confidentiality and associated with insurance claims, insurance compulsory insurance within the framework of international insurance schemes or events that the grounds for claims for compensation (as amended by the Federal law dated July 11, 2011 N 200-FL- Collection of laws of the Russian Federation, 2011, N 29, art. 4291;
Federal law dated July 21, 2014 N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224). Interior delposredstvom electronic interaction provide insurers, professional unite insurers on their requests are required to implement the provisions of this Federal Act, information about driving licences of persons admitted to the management of vehicles, vehicle registration and recorded by the police traffic accidents (as amended by the Federal law dated July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224). insurers and their professional association must follow the laws of the Russian Federation protection modes, the mode of information processing, which they receive Yves against which established the requirement of ensuring its confidentiality and its use, as if their violation rests under the legislation of the Russian Federation (in red.  Federal law dated July 11, 2011  N 200-FZ-Sobraniezakonodatel′stva Russian Federation, 2011, N 29, art. 4291). 2. (Utratilsilu, paragraph 2 on the basis of the Federal law dated July 21, 2014  N 223-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 30, art. 4224) 3. For vozmožnostizaklûčeniâ information management contract of compulsory insurance in the form of an electronic document, to provide for compensation payments, direct damages, application, included in insurance rates and provided for in subparagraph b of paragraph 2 of article 9 hereof, the economic analysis obosnovannostistrahovyh tariffs, interaction with insurers who had insurance of land transport means with the victims, the monitoring of the implementation of compulsory insurance, and the other provisions of this federal law creates an automated information system of compulsory insurance , contains information on contracts of compulsory insurance and insurance cases, vehicles and their owners, statistical data and other necessary information about the mandatory insurance (as restated by federal law 1 iûlâ2011 N 170-FZ-collection of laws of the Russian Federation, 2011, N 27, art.  3881; Federal law dated July 21, 2014 N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art.
4224).

     The information contained in the information system, access is free, with the exception of information with restricted access.    Information of restricted access is available to the public authorities, the Bank of Russia, insurers and their professional associations and other bodies and organizations in accordance with their competence, as defined by the legislation of the Russian Federation, and in the prescribed manner for them (as amended by the Federal law dated July 11, 2011 N 200-FZ-collection of laws of the Russian Federation, 2011, N 29, art. 4291;  Federal law dated July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224). the composition of the State authorities and organizations connected to the information system, lists of the information provided by the mandatory authorities, insurers, other persons for inclusion in the information system, the procedure for providing users with the information contained in it, as well as organyi the organization responsible for the collection and processing of such information shall be approved by the Government of the Russian Federation (as amended by the Federal law dated July 11, 2011
N 200-FZ-collection of laws of the Russian Federation, 2011, N 29, art.  4291; Federal law dated July 21, 2014 N 223-FZ collection zakonodatel′stvaRossijskoj Federation, 2014, N 30, art.
4224). The operator of an automated information system of compulsory insurance, organizing and/or conducting processing formed in nejsvedenij, is the Professional Association of insurers (paragraph added by federal law N 170-FZ dated July 1, 2011-collection of zakonodatel′stvaRossijskoj Federation, 2011, N 27, art. 3881).
     Operatoravtomatizirovannoj compulsory information system strahovaniâosuŝestvlâet the following (paragraph added by federal law from July 1, 2011  N 170-FZ-collection of laws of the Russian Federation, 2011, N 27, art. 3881): organizes and (or) carries out processing of personal data generated in automated provide compulsory insurance in accordance with the legislation of the Russian Federation in the field of personal data in order to ensure the implementation of the provisions of this Federal Act (paragraph added by federal law from July 1, 2011  N 170-FZ collection zakonodatel′stvaRossijskoj Federation, 2011, N 27, art.
3881);
     takes the necessary organisational and technical measures to protect personal data against unauthorized or accidental access, destruction, modification, blocking, copying, dissemination of personal data as well as from other unlawful acts (paragraph added by federal law iûlâ2011 1 g.  N 170-FZ-collection of laws of the Russian Federation, 2011, N 27, art. 3881);
     exercise other powers relating to the achievement of the objective of creating automated information sistemyobâzatel′nogo insurance (paragraph added by federal law from July 1, 2011  N 170-FZ-Sobraniezakonodatel′stva Russian Federation, 2011, N 27, art. 3881). 3-1. Persons intending to enter into dogovorobâzatel′nogo insurance, is granted free access to, inter alia, to: (a)) oprimenâemyh information insurers insurance tariffs, allowing specified in this paragraph the persons compare the size of the insurance premium under the contract of compulsory insurance in a reminder mail when it's opinions from any of the insurers;
     b) obutračennyh information, stolen, stolen and on other forms of insurance compulsory insurance, not intended for authorized use;
     in) information necessary to determine the coefficient, which is included in insurance rates and subparagraph b of paragraph 2 of article 9 of the present Federal′nogozakona, in calculating insurance premium under the contract of compulsory insurance.
     (Para. 3-vvedenFederal′nym Act of 1 July 21, 2014  N 223-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 30, art. 4224) 3-2. Victims and other participants of traffic accident data on the availability of valid contract of compulsory insurance in respect of certain persons and (or) vehicle, about such a treaty, as well as the insurer, with whom he is contracted.
     Vpis′mennoj on request form the citizens, organizations, public authorities and local self-government bodies of the Professional Association of insurers within 30kalendarnyh days from the moment of receipt of such a request provides information on compulsory insurance, insurance in the international insurance systems that do not contain personal data.
     (Para. 3-vvedenFederal′nym Act of 2 July 21, 2014  N 223-FZ collection zakonodatel′stvaRossijskoj Federation, 2014, N 30, art. 4224) 4. The order of the interaction of an automated information system of compulsory insurance and unified automated information system technical inspection, established in accordance with the legislation in the field of technical inspection of vehicles, shall be established by the Federal Executive Body authorized by the Government of the Russian Federation (paragraph vvedenFederal′nym of the Act of 4 July 1, 2011  N 170-FZ-collection of laws of the Russian Federation, 2011, N 27, art. 3881). 5. Exchange of information with the direct damages is carried out in an automated information system of direct damages, which is part of the automated information system of compulsory insurance and contains information about insurance cases, vehicles, their owners, drivers of vehicles, contracts for compulsory insurance, insurers, and other information necessary for the Organization of settlements between insurers in accordance with the agreement on direct damages (stat′â26-1 hereof).
     Collection and processing of information generated in the automated information system of direct damages, settlement organization meždustrahovŝikami in accordance with the agreement on direct damages, other necessary for the implementation of the provisions of this Federal Act dejstviâosuŝestvlâet a specific professional association of insurers of legal person in accordance with the delegated functions and powers of the Professional Association of insurers.
     (Para. 5 of the Act of July 1, 2011 vvedenFederal′nym N 170-FZ-collection of laws of the Russian Federation, 2011, N 27, art. 3881)
     6. The insured for concluding a contract of compulsory insurance or making changes must provide their personal data, the personal data of sobstvennikatransportnogo, and case concluded a contract of compulsory insurance provides driving specified insured drivers, personal details of each of such drivers.
     Victim ilivygodopriobretatel′ to receive the insurance payment or direct damages under the contract of compulsory insurance must provide their personal data and, in the case of injury of the victim's life insurance beneficiary is obliged to provide personal data it knows other beneficiaries.
     (Para. 6 of the Act of July 21, 2014 vvedenFederal′nym  N 223-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 30, art. 4224) 7. The composition of the personal data, the obligation to provide which paragraph 6 of this article shall be determined by this federal law, compulsory insurance and rules adopted in accordance with them forms: and) declarations ozaklûčenii the contract of compulsory insurance;
     b) insurance compulsory insurance of civil liability of owners of vehicles;
     in) a document containing information on insurance of civil liability of owners of vehicles under the contract of compulsory insurance;
     g) odorožno accident;
     d) help odorožno accident.
     (Item 7 was introduced by the Federal law dated July 21, 2014.  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224) 8. The insurer shall not provide personal data vpravetrebovat′ not stipulated by this federal law and adopted in accordance with the normative and legal acts, normative acts of the Bank of Russia.
     The consent of the subject of personal data processing by the operator of an automated information system of compulsory insurance is not required.
     (Item 8 was introduced by the Federal law dated July 21, 2014.  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224) article 31. international insurance system 1. In the case of temporary use of a vehicle registered in the territory of the Russian Federation on the territory of a foreign State, the international insurance system, the owner of such vehicle shall be obliged to insure the risk of its graždanskojotvetstvennosti for liabilities arising from harm to life, limb or imuŝestvupoterpevših when using the vehicle in the territory of a specified foreign country, nasrok temporary use of a vehicle, but not less than 15 days čemna, by concluding with the insurer included in the list indicated in paragraph 5 of this article of the Treaty

insurance of civil liability of vehicle owners in the international insurance systems (as amended by the Federal law dated July 21, 2014 N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224).
     2. the terms and conditions on which in the international systems of insurance effected insurance of civil liability of owners of vehicles registered in the territory of a foreign State and temporarily employed on the territory of the Russian Federation shall be governed by the laws of the Russian Federation of the insurance regulations of BankaRossii, as well as the rules of professional conduct adopted by the Professional Association of insurers in accordance spunktom this article 9 (as amended by the Federal law dated July 23, 2013 N 251-FZ-Sobraniezakonodatel′stva Russian Federation , 2013, N 30, art.  4084; Federal law dated July 21, 2014 N 223-FZ collection zakonodatel′stvaRossijskoj Federation, 2014, N 30, art.
4224). 3. The conditions under which international insurance systems is carried out by insurance of civil liability of owners of vehicles registered in the Russian Federation and temporarily employed on the territory of a foreign State are established by the Professional Association of insurers in insurance rules in the international insurance systems in accordance with the requirements and rules of such international systems (as amended by the Federal law dated July 21, 2014
N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224). 4. Coordination of the participation of the Professional Association of insurers in the international insurance systems is carried out by the Bank of Russia (as restated by federal law 23iûlâ, 2013.  N 251-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4084). 5. The insurer is entitled to undertake insurance operations in the international insurance systems, if the insurer is included in the list of insurers, insurance osuŝestvlâûŝihoperacii insurance ramkahmeždunarodnyh. Maintenance of the specified list is the Professional Association of insurers (item 5 was introduced by the Federal law dated July 21, 2014
N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224). 6. For inclusion in the list of insurers carrying on insurance operations as part of the international systems of insurance, the insurer shall: a be členomprofessional′nogo insurers ' Association);
     b) sootvetstvovat′trebovaniâm established by the Professional Association of insurers in the regulation of professional activities in accordance with the rules of international insurance systems;
     in) to contribute to the Fund current obligations formed a professional association of insurers under spunktom 10 of this article, payment in the amount equivalent to 500 thousand euros at the exchange rate established by the Bank of Russia on the day of payment.
     (Item 6 was introduced by the Federal law dated July 21, 2014.  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224) 7. Information about insurers, included in the list of insurers carrying on insurance operations in the international insurance systems are forwarded to the Bank of Russia within 30 calendar days from the date of inclusion of the insurer in the list (item 7 was introduced by the Federal law dated July 21, 2014  N 223-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 30, art. 4224). 8. Professional′noeob″edinenie insurers is obliged to post the list of insurers carrying on insurance operations in the international insurance systems, telecommunications and information network "Internet" (para. 8 was introduced by the Federal law dated July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224). 9. The activities of the Professional Association of insurers and its members in the international insurance systems regulated by this federal law, other federal laws, regulations and insurance systems established in accordance with the Professional Association of insurers, professional activity rules contain requirements for: (a)) how to enable the insurer to the list of insurers carrying on insurance operations in the international insurance systems, and exceptions to the insurer from ukazannogoperečnâ;
     b) contributions and their payment by insurers in the Professional Association of insurers, the formation and use of the Fund current obligations;
     in) limit (minimum and maximum) size insurance rates and their application in determining insurance premium structure of insurance rates, including the proportion of the insurance premium, which is designed to pay for insurance in the international insurance systems, as well as the procedure of payment of insurance premium;
     g) strahovŝikovdlâ their inclusion in the list of insurers carrying on insurance operations in the international insurance systems;
     d) organizations involved in settlement of claims arising from insurance in the international insurance systems on the territory of the Russian Federation;
     (e)) the conclusion of the strahovŝikamidogovorov insurance in the international insurance systems, as well as advertising the services of specific insurers and (or) persons acting on their behalf, in the international insurance systems;
     f) of the rules of the settlement of claims arising from insurance in the international insurance systems.
     (Item 9 of the Act of July 21, 2014 vvedenFederal′nym  N 223-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 30, art. 4224) 10. In order to carry out financial obligations before the international insurance systems Professional Association of insurers forms the Fund current obligations (paragraph 10 was introduced by the Federal law dated July 21, 2014  N 223-FZ collection zakonodatel′stvaRossijskoj Federation, 2014, N 30, art.
4224) (article 31 in red.  Federal law dated December 1, 2007  N 306-FZ-Sobraniezakonodatel′stva Russian Federation, 2007, no. 49, St. 6067) article 32. Control zaispolneniem owners insurance sredstvobâzannosti vehicles 1. Vladel′camitransportnyh performance monitoring tools established by this federal law insurance responsibilities carried out by the police when registering iosuŝestvlenii other of its powers in monitoring compliance with traffic regulations, as well as normative legal acts in the field of road safety. Voditel′transportnogo funds must carry insurance compulsory insurance and pass it to test police officers authorized in accordance with the legislation of the Russian Federation (as restated by federal law from February 7, 2011 N 4-FZ-collection of laws of the Russian Federation, 2011, N 7, art. 901; federal law dated July 1, 2011  N 170-FZ-collection of laws of the Russian Federation, 2011, N 27, art. 3881). Customs authorities exercise control over the execution of the owners of the vehicles established by this federal law responsibilities of its civil liability insurance when entering vehicles in the Russian Federation, as well as for the execution of the obligations established by article 31, paragraph 1 of the present Federal′nogozakona when moving vehicles from the Russian Federation to other countries that use international insurance system (paragraph added by federal law from December 30, 2006  (N) 266-FZ-collection of laws of the Russian Federation, 2007, N 1, art. 29;
in red. Federal law dated December 1, 2007 N 306-FZ-collection of laws of the Russian Federation, 2007, no. 49, St. 6067). 2. (Para. 2 abrogated under the Federal law of December 30, 2006  (N) 266-FZ-collection of laws of the Russian Federation, 2007, N 1, art. 29) 3. On the territory of the Russian Federation prohibits use of vehicles whose owners have not executed the present Federal law obligation on insurance its liability.    Registration of the specified transportnyhsredstv is not performed (as amended by the Federal law dated July 1, 2011  N 170-FZ-collection of laws of the Russian Federation, 2011, N 27, art. 3881). Article 33. The vstupleniiv force of this federal law 1. NastoâŝijFederal′nyj this law enters in force from July 1, 2003 onwards, with the exception of the provisions for which in accordance with this article provides for the entry into force of other deadlines.
     2. the provisions of nastoâŝegoFederal′nogo of the Act, referred to in the creation of the Professional Association of insurers and the conditions of issue of strahovŝikamrazrešenij (licenses) for the implementation of compulsory insurance of civil liability of owners of vehicles, shall enter into force from the day of official publication of this federal law.
     3. Paragraphs 1 and 2 of article 21 of this federal law shall enter into force from July 1, 2003 year.
     4. Chapter III and article 27 of this federal law shall enter into force from July 1, 2004 year.
     5. during the period January 1, 2010 year on December 31, 2012 year if implementation of compulsory

insurance for the difference between income and expenditure of the insurer during the reporting period exceeds 5 per cent of these revenues, the excess shall be sent to the insurer on the formation of the stabilization reserve for compulsory insurance to achieve the data reserve limit, calculated as the sum of the 10 per cent reserve occurred, but undeclared losses on compulsory insurance at the end of the otčetnogoperioda and the positive difference between the size of the stabilization reserve for compulsory insurance as of December 31, 2009 year 10 per cent reserve developments but undeclared ubytkovpo compulsory insurance as of December 31, 2009 year, multiplied by the number of remaining until December 31, 2012 year quarters and divided by 12 (para 5 introduced Federal′nymzakonom from February 28, 2009  N 30-FZ-collection of laws of the Russian Federation, 2009, N 9, art. 1045). 6. In case of exceeding the reserve razmerastabilizacionnogo on compulsory insurance, formed on March 31, 2010 year and for subsequent reporting periods to December 31, 2012 year, over specified in paragraph 5 of this article, the ultimate size of the insurer causes the size of the stabilization reserve for compulsory insurance in accordance with specified size limit (paragraph 6 added by federal law from February 28, 2009
N 30-FZ-collection of laws of the Russian Federation, 2009, N 9, art. 1045). 7. If the specified 2 selected article 22 hereof stabilization allowances for compulsory insurance on December 31, 2012 year will exceed 10 per cent of the size of the reserve had occurred, but undeclared losses on insurer obâzatel′nomustrahovaniû leads its size in accordance with ukazannojveličinoj (item 7 was introduced by the Federal law dated February 28, 2009 N 30-FZ-collection of laws of the Russianfederation, 2009, N 9, p. 1045).
 
     Article 34. Privedenienormativnyh legal acts in matching with this federal law PrezidentuRossijskoj of the Federation and the Government of the Russian Federation to bring its normative legal acts of the terminology with this federal law.
 
     Kremlin, Moscow April 25, 2002 N 40-FZ
 
 








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