RUSSIAN FEDERATION

FEDERAL LAW

Mandatory civil insurance

ownership of vehicles

Adopted by the State Duma 3 April 2002

Approved by the Federation Council April 10, 2002

(reed. Federal Act of 23 June 2003 N 77-FZ

The legislation of the Russian Federation, 2003, N 26, st.

2566; Federal Act of December 29, 2004 N 199-FZ-Assembly

Russian Federation Federation, 2005, N 1, st. 25;

Federal Law of 21 July 2005 N 103-FZ -

Collection

Russian Federation Federation, 2005, N 30, st. 3114;

Federal Act of 25 November 2006 N 192-F -Collection

Russian Federation Federation, 2006, N 48, st. 4942;

Federal Act of 30 December 2006 N 266-FZ - Collection

Russian Federation Federation, 2007, N 1, st. 29;

Federal Act of 1 December 2007 N 306-FZ Meeting

Russian Federation Federation, 2007, N 49, st. 6067;

Federal Law of July 23 2008 N 160-FZ- -Collection

Russian Federation Federation, 2008, N 30, st. 3616;

Federal Act of 25 December 2008 N 281-FZ -

To

Russian Federation Federation, 2008, N 52, st. 6236;

Federal Act of 30 December 2008 N 309-FZ -

Federation Federation, 2009, N 1, st. 17;

Federal Act of 28 February 2009 N 30-FZ- To

Russian Federation Federation, 2009, N 9, st. 1045;

Federal Act of 27 December 2009 N 344-FZ- -Collection

Russian Federation Federation, 2009, N 52, st. 6420;

Federal Act of 27 December 2009 N 362 - Collection

Russian Federation Federation, 2009, N 52, st. 6438;

Federal Law From 1 February 2010 N 3-FZ - To

Russian Federation Federation, 2010, N 6, st. 565;

Federal Act of 22 2010 d N 65-FP - Collection

Russian Federation Federation, 2010, N 17, st. 1988;

Federal Act of 28 December 2010 d N 392-FZ -Meeting

Russian Federation Federation, 2011, N 1, st. 4;

Federal Law From 7 February 2011 N 4-FZ - To

Russian Federation Federation, 2011, N 7, st. 901;

Federal Law From 1 July 2011 N 170-FZ -

To

Russian Federation Federation, 2011, N 27, st. 3881;

Federal Law of 11 July 2011 N 200-FZ -Collection

Russian Federation Federation, 2011, N 29, st. 4291;

Federal Law of June 2012 N 78-FZ- -Collection

Federation Federation, 2012, N 25, st. 3268;

Federal Law of 28 July 2012 N 130-FZ - To

Russian Federation Federation, 2012, N 31, st. 4319;

Federal Law of 28 July 2012 N 131-FZ -Collection

Russian legislation Federation, 2012, N 31, st. 4320;

Federal Law of 7 May 2013 N 104-FZ- To

Russian Federation Federation, 2013, N 19, st. 2331;

Federal Law of 23 July d N 251-FZ - Collection

Russian Federation, 2013, N 30, st. 4084;

Federal Law of July 2014 N 223-FZ -Collection

Russian Federation Federation, 2014, N 30, st. 4224;

Federal Law from 4 November N 344-FZ- -Collection

Russian Federation Federation, 2014, N 45, st. 6154;

Federal Act of 28 November 2015 N 349-FZ -Collection

Russian legislation, 2015, N, st. )

Reparations for Reparations for

caused their life, health, or property

transport other persons, by this Federal Law

legal, economic and bases

mandatory civil owner liability

vehicles (remainder-mandatory insurance),

Insurance Federation

civil liability of transport in

International liability insurance framework

transport

professional insurers, in

compliance with this Federal Law (hereinafter referred to as international)

insurance systems). Federal Act of 21 July 2014.

N 223-FZ-Russian Federation Law Assembly, 2014, N

30, article 4224).

Chapter I. General provisions

Article 1: Concepts

For the Federal

Key Concepts:

a vehicle - for

transport by road of people, goods or equipment installed

on it;

use of the vehicle - operating

vehicle, related road traffic

(road traffic), as well as its adjacent and intended

for the movement of vehicles (yards, in )

arrays, on vehicles, gas stations, and

other Territories). Operation of equipment, installed on

transport and not directly related

transport road traffic is not

vehicle usage;

owner of the vehicle - owner

funds, and the person owning the vehicle in law

business or operational

other legal ( lease, power of attorney

right

shipping tool, appropriate

o this

like). Not the owner of the person

transport

service or labor duties,

labor or Civil-legal with owner or

other vehicle owner;

driver- the person control the vehicle. On

training control by the driver

learning face;

The victim is the person, life, or property of which was

injured when a vehicle is used by another person,

in number of a pedestrian, the driver of the vehicle

harming, , and passenger

incident ( face exception

recognized victims in accordance with Federal Law " About

mandatory carrier liability insurance for

causing harm to life, health, property of passengers and order

compensation for such damage, for passengers

') (to the red. Federal Act of 1 December 2007 N

306-FZ-Legislative Assembly of the Russian Federation Federation, 2007, N

49, st. 6067; Federal Act of 14 June 2012. N 78-FZ-

Russian legislation collection, 2012, N 25, st.

3268);

place of residence

defined in compliance with civilian law

of a citizen or location of the legal person

recognized victims

Mandatory liability insurance

transport (hereafter - Mandatory

insurance) - insurance contract

undertakes for conditional pay (insurance premium) to

occurrence of contract event (insurance case)

refund to victims caused by this event injury

life, health or property (implement insurance payment) in

The

limits of of the sum of the amount (insured value). Contract

mandatory insurance is in and in conditions

which are provided by by Federal Law, and is

public;

insurer- who has the with contract

mandatory insurance;

insurer- insurer to the right

implement compulsory liability insurance

transport matches with permission

(license), issued in accordance with Russian legislation

Federation order (rev. Federal Law of 23 July 2013 N

251-FZ-Legislative Assembly of the Russian Federation Federation, 2013,

30, art. 4084);

of the liability

owner of the transport for causing life harm,

health or property of victims when using transport

funds entailing to matches with

mandatory insurance company insurer to implement

insurance payment (to the red. Federal Act of 1 December 2007

N 306-FZ-Russian Federation Law Assembly, 2007, N

49, art. 6067);

- price rates, in

compliance with Federal by law

Contract

mandatory insurance and the base rates

factors;

compensation payments-payments in

compliance with Federal in cases if

insurance or

compensation for the insurer, to make direct damages to

compliance with a direct compensation agreement for a prisoner

in conformity with Article 26-1 of this Federal Law, in

(in

Federal Law of July 2014 N 223-FZ -Collection

Russian legislation, 2014, N 30, article 4224;

insurer in of the Federation

(remainder of the insurer)- standalone

Insurer (branch) in the constituent entity of the Russian Federation, executing in

authority limits

claims

payments for and (or) directly damages,   

implementation or other insurer that has joined the agreement

for direct damages and executing on the basis of a prisoner

with contract requests

victims of insurance benefits and their implementation of and

at the expense of the insurer, the civil liability

damage, , (or)

claims for direct damages and payments from

and for the insurer's account

responsibility of the victim (to the right. Federal Act of 21 July

2014 N 223-FZ-Assembly of Russian Legislation,

2014, N 30, article 4224);

direct damages - damages to the property

victim being executed according to this Federal

underwriter, insured civilian

victim - of the owner of the

(Paragraph is introduced by the Federal Act of December 1, 2007). N 306-FZ-

Russian legislation meeting, 2007, N 49, st.

6067; in red. Federal Act of 1 February 2010 N 3-FZ-

Russian Law Assembly Federation, 2010, N 6, st.

565);

heading to - , confirming the

victim for the refurbishment of his vehicle

on of the selected victim by agreement with the station underwriter

technical of number of technical

services, with insurers contracts,

installing Maintenance Maintenance Station

repair Repair Repair

injured and the responsibility of the insurer to pay this repair to account

insurance payout (paragraph introduced by Federal Law of July 21, 2014

g. N223-FZ-Assembly of Laws of the Russian Federation, 2014,

N 30, article 4224);

settlement of insurance requirements

in coverage of international insurance systems-

demands of victims, national associations

Other Countries and Other

the result

Transport

RoadHarm

funds, whom is insured

international insurance, and, if

review not decided on failure, implementing insurance

payments, as well as cost recovery to persons

compliance with Federal requirements

international insurance, rules

activities of professional associations of insurers implemented

insurance payment (Paragraph introduced by Federal Act of 21

July 2014 g. N 223-FZ - Collection Russian

Federation, 2014, N 30, st. 4224).

Article 2: THE RUSSIAN FEDERATION

compulsory civil insurance

ownership of vehicles

1. The Russian Mandatory Legislation

Insurance of Civil owners of Transport

includes from the Civil Russian Federation

true Federal laws, Federal

according to them other legal legal

Russian Federation.

2. If international of the Federation

has different rules, than those that are provided for

Federal law applies the rules of the international treaty.

Article 3: Basic principles of compulsory insurance

The basic principles of compulsory insurance are:

guarantee of damage, caused life, health, or

victims, limits,

Federal Law;

universality and civil insurance

responsibilities of vehicle owners;

invalid use of in Russian

Federation vehicles

installed by the Federal duty

liability insurance;

economic interest of owners

means to improve road safety.

Chapter II: Modalities and order of implementation

required insurance

Article 4: Duties of owners of vehicles by

liability insurance

1. transport

order, of which are set by the current Federal

compliance with it, to insure the risk of civilian

responsibility, that may be due to

harm to the life, healthy or other person's property when using

vehicles (to the red. Federal Act of 1 December 2007

g. N 306-FZ-Assembly of Russian legislation, 2007,

N 49, st. 6067).

Duty on public of responsibility

propagates all territories

Russian Federation of Vehicles, except Cases

covered by paragraphs 3 and 4 of this article.

2. car ownership

(acquisition of in property, receipts in economic

or quick control of this owner

transport of must insure its civil

responsibility before registration of transport but not

later than ten days after ownership title arose

(Ind. Federal Act of 1 July 2011 N 170-FZ-Assembly

Laws of the Russian Federation, 2011, (...) (...)

3. Civil liability insurance not

applies to owners:

(a) vehicles, maximum design speed

which is no more than 20 kilometers per hour

b) transport

characteristics do not extend to

Russian Federation about vehicles allowed to participate in

Road traffic on the territory of the Russian Federation;

in the Russian Federation's Armed Forces vehicles

other troops, formations and in

military service, except for buses, cars

automobiles and trailers other vehicles

used to provide business activities of the Armed

Russian Federation forces, other troops,

organs (under Ed.) Federal Act of 23 June 2003 N 77-FZ -

The legislation of the Russian Federation, 2003, N 26, st.

2566);

g) vehicles registered in foreign

states, if the civilian liability of owners

vehicles insured in of the international system

insurance (ed.) The Federal Act of 1 December 2007 2007 N

306-FZ -Collection of Russian legislation, 2007, N

49, st. 6067; of the Federal Act of July 21, 2014. N 223-FZ-

Legislation of the Russian Federation, 2014, N 30, st.

4224);

d of Trailers of to passenger cars

(Subparagraph "d" by Federal Law 1 December 2007 g. N

306-FZ -Collection of Russian legislation, 2007, N

49, art. 6067);

(e) transports wheelers

(s whose design has been applied tracked,

semi-tracked, , and other non-wheelers), , and trailers to

is the Federal Act of July 21, 2014 . N

223-FZ -Collection of Russian legislation, 2014, N

30, article 4224).

4. The responsibility for liability insurance for the liability of is not

propagates owner of transport tools, risk

responsibility of which is insured in matches with

Federal law by another person (insurer).

5. Transport owners

civil responsibility according to this Federal

law, may additionally voluntary form

insurance < <

mandatory insurance for for full compensation for

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case of responsibility, for insurance

risk mandatory insurance (Art. 6, para. 2

Federal Law).

6. Owners of vehicles, risk of liability

which is not insured in the form of mandatory and (or) voluntary)

insurance, repays damage, life, health

victims, matches with civilian

legislation. In this case, harm, caused by life or health

victims, to be compensated in the dimensions of at least the size,

defined in accordance with Article 12 of this Federal

law, , and by the rules of the said article. Federal Law

dated July 21, 2014. N 223-FZ-Legislative Assembly of the Russian Federation

Federation, 2014, N 30, st. 4224).

Persons who have violated the Federal Federal

mandatory liability insurance

Owners

correspondence with the legislation of the Russian Federation.

7. The liability of the liability insurance

Owners vehicles with the exception

owned trailers cars cars,

is executed by of the

binding agreement

insurance that provides management capability

with its trailer, information about the insurance

mandatory insurance policy (item 7 introduced by Federal Law

dated July 21, 2014. N 223-FZ-Legislative Assembly of the Russian Federation

Federation, 2014, N 30, st. 4224).

Article 5: Mandatory insurance rules

1. The implementation of Federal

law and other federal laws and duties

for the required insurance policy is set to 0central

Bank of Russian (hereinafter- - Bank of Russia in

mandatory insurance coverage Federal Act of 23 July

2013 N 251-FZ-Assembly of Russian legislation,

2013, N 30, article 4084).

2. The Insurance Other

Mandatory Rules

clauses include:

(a) the order, changes, extensions, early

termination of the compulsory insurance contract

b) the payment order of the insurance premium;

in the action list of mandatory

insurance, including when an insurance event occurs;

g reorder for refunable

insurer and of the insurance payment

Federal Law of July 2014 N 223-FZ -Collection

Russian legislation, 2014, N 30, article 4224;

d) The procedure for resolving mandatory insurance disputes.

3. insurance rules

containing of the position of the Federal and others

federal laws that specify for a requiredclause

insurance.

(Article 5 Federal Act of 1 December 2007 N

306-FZ-Legislative Assembly of the Russian Federation Federation, 2007, N

49, art. 6067)

Article 6: Mandatory insurance and insurance risk

1. The property of the mandatory insurance is property

interests, related to the owner's risk of civil liability

transport on obligations,

due to

damage to life, healthy or victims

using of the transport in in the Russian

Federation.

2. Insurance risk for mandatory insurance is

Civil liability

specified in 1 1 except in

liability arising from:

(a) harming of different transport

tools, the required

insurance;

b) causing moral damage or

to recover lost profits;

in) harming when using vehicles

competitions, testing or in in

assigned to this location;

g) pollution of the environment Federal Act of the Russian Federation

30 December 2008 N 309-FZ-Legislative Assembly of Russian

Federation, 2009, N 1, article 17);

d) harming the impact of the goods transported, if risk

such responsibility subject to insurance in

compliance with

insurance;

(e) harming of life

work duties, if this is bad for

required insurance or social

insurance;

duties to compensate the employer for damages,

harming the employee;

(s) of causing the to the driver

tool and its trailer, to be transported by them, installed

with their equipment and other property (to the red. Federal Law

from 1 December 2007 N 306-FZ - Legislation

Russian Federation, 2007, N 49, Art. 6067);

and) harming in loading on

tool or its unloading (Ind. Federal Act of 1 December

2007 N 30306-FZ-Assembly of Russian Legislation,

2007, N 49, Art. 6067);

to damage or destroy antique and other unique

items, buildings and historical and cultural

value, of products from precious metals and

precious stones, money, security, items

religious characters, as well as works of science, literature, and

art, other objects of intellectual property;

l

dated July 21, 2014. N 223-FZ-Legislative Assembly of the Russian Federation

Federations, 2014, N 30, art. 4224)

m) hurt life, health, property of passengers at

transport, if this harm is to be compensated in accordance with

Russian Federation's compulsory insurance law

civil responsibility of the carrier for harming life,

health, passengers ' properties ( Fed

Law of 14 June 2012 N 78-FZ-Legislative Assembly

Russian Federation, 2012, N 25, st. (...) (...)

When owners

damages to matches

Russian legislation.

Article 7. Insurance sum

Insurance amount within which the insurer on the attack

each insurance case (regardless of the number in of the duration

required insurance

action ) undertakes to refund

injured is:

(a) in parts of damages, to life or health

every of the victim, 500 ( )

Federal Law of July 2014 N 223-FZ -Collection

Russian legislation, 2014, N 30, article 4224;

b) in reparations for the damage, to the property of each

victim, 400 thousand rubles (in red). Federal Act of

July 2014 g. N 223-FZ - Collection

Federation, 2014, N 30, article 4224);

in) (Subitem "in" has expired under Federal Law

dated July 21, 2014. N 223-FZ-Legislative Assembly of the Russian Federation

Federations, 2014, N 30, art. 4224)

(Article 7 to red. Federal Act of 1 December 2007 N

306-FZ -Collection of Russian legislation, 2007, N

49, art. 6067)

Article 8: Regulation of Insurance Tariffs by Mandatory

insurance

1. Control tariffs required

insurance is implemented by setting up Bank of Russia in

compliance with Federal is current

(economic) legitimate limits

insurance tariffs (

and maximum values

expressed in rubles) and insurance tariff rates, requirements

tariffs, and usage

Contract

mandatory insurance.

The share of the insurance premium, directly for

implementing insurance and compensation payments, may not

less than 80% of the premium.

2. Mandatory Insurance tariffs and

insurance tariffs are determined by insurers with requirements

Bank of Russia according to

1

articles.

3. Installed insurance rates cannot expire

less than one year.

Changing insurance tariffs does not change

insurance premium, prepaid by the insured

tariffs, bound

torque

insurance during its lifetime. If in matches

insurer rules right

for an additional insurance premiums proportional

increase risk, an additional premium

premium is determined by the current insurance payment

tariffs.

4. Full or partial partial categories

Insured or payable insurance premiums

Categories

insured persons are not allowed.

5. Annual statistics Mandatory

insurance, including premiums collected for and

made insurance payments,

and

solved insurance cases, insurance premiums

Russian Federation and constituent entities of the Russian Federation,

about coverage

official publication by the Bank of Russia.

(Article 8 Ed. Federal Act of 21 July 2014. N

223-FZ-Legislative Assembly of the Russian Federation Federation, 2014,

30, article 4224)

Article 9: Base rates and insurance rates

1. Insurance rates are composed of base rates and coefficires.

Insurance Premium

as backend

tariffs s

mandatory insurance

Insurance

Contract

mandatory insurance, Russian

compliance with article 8 of this Federal Law

Federal Law of July 2014 N 223-FZ -Collection

Laws of the Russian Federation, 2014, N 30, Art. 4224).

Base rates on insurance rates are fixed by

from technical features, and

transport vehicles

probability of harming

potential harm caused.

2. Rates, in in of the tariffs,

set depending on:

(a) territory of the transport

means, that is defined for physical persons based on

owner of the transport of the specified in

transport or registration certificate

vehicle or citizen's passport, for legal

faces, branches or

legal person, of its branch or representative office specified in

The

constituent legal of the legal Federal

Act of July 21, 2014. N 223-FZ - Collection

Russian Federation, 2014, N 30, article 4224);

b) the or absence of payments

insurers in the preceding periods of implementation

mandatory civil owner liability

of the vehicle, in mandatory

Insurance when limited use of the vehicle,

providing control of transport only

specified drivers drivers, or no

insurance payments made by insurers in before

periods mandatory civil insurance

responsibilities of each of these drivers;

in) Vehicle Technical Specifications

-1) presence in of the condition insurance contract

which provides the ability to control the vehicle

trailer to (Subparagraph 1 (a) was introduced by Federal Law 21

July 2014 g. N 223-FZ - Collection Russian

Federation, 2014, N 30, article 4224);

Seasonal use of vehicles;

other an insurance risk

circumstances.

(Item 2 in Federal Act of 1 December 2007 N

306-FZ-Legislative Assembly of the Russian Federation Federation, 2007, N

49, art. 6067)

2-1. CivilMandatory Insurance

responsibility of citizens using their own transport

funds, insurance tariffs also set coefficis,

case-sensitive, covered by insurance

condition that to control the vehicle

only specified insurer drivers, and, if is

provided, driving qualifying age, (para. 2-1

The Federal Act of 1 December 2007 N 306-FZ Meeting

Laws of the Russian Federation, 2007, N 49, article 6067).

3. In addition to the ratios established according to paragraph

2 articles, tariffs are provided

factors, used for insurance

civil liability of vehicle owners:

reporting false information about requested

circumstances that affect

mandatory insurance,

less than amount that would have been paid

Transport

details;

an intentionally promoting or

increase related

circumstances of the insurance case

insurance benefit;

-causing the s

Recourse requirement (Article 14

Federal Law).

The factors apply

insurers when entering or extending of the binding contract

insurance for the year, next time in which the insurer

became

actions (omissions).

4. Max Contract

mandatory insurance may be greater than three times the size

base tariff rates

territory of the priority of the vehicle,

paragraph 3 of this article is a five-fold size.

5. The tariffs may be additionally provided

base rates and (or) factors, applied by insurers under

Implementing Mandatory Civil Liability Insurance

owners of vehicles registered in

States and Russian

Federations (to the red. Federal Act of 21 July 2014. N 223-FZ-

Legislation of the Russian Federation, 2014, N 30, st.

4224).

6. Insurers not right to use base

premium rates, tariffs, not

corresponding requirements, by the Bank of in

compliance with 8 of the Federal of the law.

Installed in Federal by law

insurance tariffs for insurers

relation to each insured person.

Control for the estimate for insurers

insurance

prizes

Russia.

(Item 6 in . Federal Act of 21 July 2014. N

223-FZ-Legislative Assembly of the Russian Federation Federation, 2014,

30, article 4224)

Article 10: Mandatory Insurance Contract term

1. The period of validity of the compulsory insurance contract is

one year, except in cases for which

The

has a different expiration date for the contract.

(Paragraph 2 has expired from the Federal Act

1 December 2007 N 30306-FZ-Legislation Assembly of the Russian Federation

Federations, 2007, N 49, art. 6067)

2. vehicles, registered in

foreign states and in

Russian Federation, conclude required insurance contracts

for the lifetime of these vehicles

but not less than 5 days Federal Act of 1 December

2007 N 30306-FZ-Assembly of Russian Legislation,

2007, N 49, 100 6067).

3. The owner of the vehicle has the right to sign

mandatory insurance days

missing documents referred to in article 15, paragraph 3 (e)

true Federal Law, in the case of:

(a) Purchase of a vehicle (purchase, inheritance,

acceptance in a gift and the like) to follow to the place of registration

vehicle. The owner of the vehicle before

his registration is required to make a binding insurance

for one year according to paragraph 1 of this article;

check-out

transport tools, technical examinations

vehicle.

(Item 3. The Federal Act of 28 July 2012 N

131-FZ -Collection of Russian legislation, 2012, N

31, art. 4320)

4. pre-term termination

required

insurance in cases of required

insurance, insurer returns the part of the insurance

premium rate for the premium rate for

and unexpired

}

contract activity or expired

seasonal use of the transport ( 4)

Federal Law of July 2014 N 223-FZ -Collection

Laws of the Russian Federation, 2014, N 30, Art. 4224).

Article 11. Insured and Victims Actions

an insurance event

1. In , if is a participant

accident, is required to report

members of the incident requirement

contract of insurance, for which is insured

civil ownership of of this transport

funds.

The current paragraph is assigned

also on the driver who controls the vehicle in the absence

insurer.

2. On Cases of Damage Caused by the Use of of the Transport

funds that can

civilian

liability of the insurer, to tell underwriter in

insurance contract and

The

defined by this contract in a way.

The insured person before the claims of the victims

to compensate for the damage must warn

insurer and acted in in accordance with its instructions,

case, if insurer is sued, attract the insurer to

to participate in the case. Otherwise, the insurer has the right to nominate

for an objection claim,

The

had in relation to claims for damages.

3. If the victim intends to use his or her right to

insurance payout,

insurer in

insurance rules insurance rules, direct

insurer and Documents

insurance rules (in Ed.

Federal Law of July 2014 N 223-FZ -Collection

Laws of the Russian Federation, 2014, N 30, Art. 4224).

4. causing harm to the victim's life

road incident of the position

Federal Act, on victims, applies to persons

which according to this Federal Law have permission

Reparation in

(benefits) (in the red. Federal Act of July 21,

g. N223-FZ-Assembly of Laws of the Russian Federation, 2014,

N 30, article 4224).

5. For the implementation of an insurance payment

Insurer accepts car accident documents

themed Police

exception of case,

Federal Law (

December 2007 N 306-FZ- Meeting of the Russian

Federation, 2007, N 49, st. 6067; in red. Federal Act of 7

February 2011 N 4-FZ - Collection Russian

Federation, 2011, N 7, st. 901; Federal Act of 21 July 2014

g. N223-FZ-Assembly of Laws of the Russian Federation, 2014,

N 30, article 4224).

6. Decoration of the accident documents

Insurer accident

insurer (item 6 introduced by Federal Law 1

December 2007 N 306-FZ- Meeting of the Russian

Federations, 2007, N 49, st. 6067).

7. Drivers of the involved to the incident

transport fill

notification forms

accidents reported by Insurers. Drivers

bet for the road transport

incidents and completion of such notification forms ( 7 )

Fed by Law 1 December 2007 N 306-FZ-Assembly

Laws of the Russian Federation, 2007, N 49, article 6067).

8. (Paragraph 8 was introduced by the Federal Act of 1 December 2007. N

306-FZ-Legislative Assembly of the Russian Federation Federation, 2007, N

49, st. 6067; lost power under Federal Act No. 21

July 2014 g. N 223-FZ - Collection Russian

Federations, 2014, N 30, art. 4224)

9. (Paragraph 9 was introduced by the Federal Act of 1 December 2007. N

306-FZ -Collection of Russian legislation, 2007, N

49, st. 6067; lost power under Federal Act No. 21

July 2014 g. N 223-FZ - Collection

Federations, 2014, N 30, art. 4224)

10. (Paragraph 10 was introduced by the Federal Act of 1 December 2007).

N 306-FZ-Russian Federation Law Assembly, 2007, N

49, st. 6067; lost power under Federal Act No. 21

July 2014 g. N 223-FZ - Collection Russian

Federations, 2014, N 30, art. 4224)

11. (Paragraph 11 was introduced by the Federal Act of 1 December 2007 .

N 306-FZ-Russian Federation Law Assembly, 2007, N

49, st. 6067; lost power under Federal Act No. 21

July 2014 g. N 223-FZ - Collection

Federations, 2014, N 30, art. 4224)

Article 11-1: Presentation of Road Documents

incidents without Delegate to

Police

1. Decoration of the accident documents

without police officers involved

in Order, by the Bank of in

at the same time:

(a) crash

caused only to vehicles specified in of "b"

true;

b) an accident

interaction (collision) of two transports (including

transport trailers

whose owners are insured

true Federal Law;

in the circumstances of the harming of

transport road-transport

incidents, nature and list of visible transport injuries

Road Participants

incidents in on the road transport

Incident, form filled by drivers

transport incident

in

compliance with the mandatory insurance rules.

2. Road-Transport

incidents without Delegate to Police

accident notification form, filled in

two instances of drivers involved

vehicle accidents, chauffe these drivers

insurers, who have insurance for their liability, in

5 days of the Road Transport

incidents. The victim sends to the insurer,

civic responsibility, instance of

completed accident notification form

along with the statement for direct damages.

3. Road-Transport

incidents without Delegate to Police

owners of vehicles involved in road transport

incident, at the request of insurers specified in 2

real articles, must submit s

checkout tools and (or) technical

expertise within five working days for

requirements.

For the option for (or) independent

technical of the transport

accident, if paperwork

accident

police officers ' owner of specified vehicles without

written in writing in

paragraph 2 of this article should not start with

garbage disposal before 15 days, for exceptions

Blackout Holiday days, Road Transport

incidents.

4. Road-Transport

incidents without Delegate to Police

amount of insurance payment, due to the victim

compensation for damage to his vehicle cannot

to exceed 50,000 rubles.

5. Road-Transport

incidents, in the city territories

Moscow, St Petersburg, Moscow region

Leningradsky area, without the participation of authorized personnel

police size limit

point 4 of this article, not is used by and

provided to the victim in amount

7 of the Federal

law, for

circumstances harming transport in

Incident

fixed with technical controls

incorrectable registration of information (photo- or

video

accidents and data reported

using navigation tools with

GLONASS GLONASS GLONASS GLONASS Other

Global Navigation Satellite Systems).

6. Road-Transport

incidents without Delegate to Police

insurers must be

harming of the transport

{ \cs6\f1\cf6\lang1024}Road crash{ \cs6\f1\cf6\lang1024

}

technical control control

information registration (photo or video recording of vehicles

and their injuries on the crash site,

also data, captured with using navigation tools

GLONASS or

GLONASS with Other Global Satellite Navigation

systems).

7. Technical Controls, Requirements

and incidents

view of information to the underwriter

receive by the insurer

accident, set by By the government

Russian Federation.

8.

true article, cannot supress the insurer

compensation for transport

vehicle accident, documents

which is decorated in accordance with this article.

The victim has the writer

insured the civil liability of the person who caused the injury,

Reparation

health, arose after the claim for the insurance payment

and about which the victim was not aware at the time of presentation of the requirement

compensation for damage caused to his vehicle.

(Article 11-1 was introduced by Federal Law of July 21, 2014 N

223-FZ -Collection of Russian legislation, 2014, N

30, article 4224, para. 6, effective 1 January 2019)

Article 12: Determine Spayout Size and

order of implementation

1. The victim has the right to submit the request to

compensation for damage to his life or property

with of the vehicle in in the range of the insurance

sum, ByFederal by law, by

Claim Insurer Claim or direct

and damages of documents

mandatory insurance.

An insurance payment in with causing damage

the life or of the victim is forwarded to by the insurer,

insured the liability of the person who caused

harm. An insurance claim in with causing damage

property of the victim is forwarded to the insurer,

civil liability of the person who caused the injury, in cases

paragraph 1 14-1 Federal

law, underwriter, insure civil liability

victim, direct damages claim.

victim's requirement of insurance

payment or direct damages due to causing damage

his life, health, or property when using transport

tools, with enclosed documents, rules

mandatory insurance, redirects to

insurer of the insurer

approved insurer's requirements

victim and or direct

damages compensation.

Insurer's location and mailing addresses and all

representatives of underwriter, communication tools and

their work time must specified in the list of representatives

The

insurer that is an application to the insurance policy.

insufficiency

Reparations

Insurer, Insurer for three business days

receive them by mail, and on personal contact with an insurer in

{ \cs6\f1\cf6\lang1024 } { \cs6\f1\cf6\lang1024

} or{ \cs6\f1\cf6\lang1024

} Reimburse

damages must report this to the victim with full

lists of missing and/or misspelled documents.

Exchange for

testing can

to be implemented in electronic form, which does not release the victim

from

insurance payment by location of underwriter or representative

The

insurer. Insurer required to provide handling

applicant, sent in

response to him within the deadline, agreed by by the applicant

with an insurer, but not later than three working days from the arrival date

referenced address.

An insurer is not entitled to require the victim

documents not covered by the mandatory insurance rules.

2. Insurance payments due to the victim

damage to his health as a result of an accident,

is implemented according to by the Federal

costs, related

victim, and lost (revenue) in

causing harm to the result of road transport

incidents.

Insurance payment causing health in to

health restoration

victim is implemented by an insurer

issued

supporting incident an incident, , and

medical documents submitted by medical organizations

victim links

insurance case, with nature of and degree of damage

health of the victim. Reparation Part Sizes

necessary

Victim's

is determined by standards in order,

set by the Government of the Russian Federation, dependencies

nature and extent of victim's health damage in

insurance amount set by article 7

Federal law.

and Policy

insurer who insure civil liability of the owner

transport of the tool, of the road transport

incidents, reported to a pedestrian,

accident or his delegate in

in Police Department

documents about such an accident.

3. After implementation in 2 of this

insurance payment to the victim causing

healthy by the insurer

payment in the following case:

(a)

or

research, in institutions

Forensic

misdemeanor, criminal, and

also on the victim, is set,

degree of health damage victim

insurance premium size

rules, By the Russian

Federation. An additional of the insurance payment

defined by as difference difference to

sum, corresponding to the nature of the damage

health of the victim by expert opinion submitted to them

and previously performed according to paragraph 2 of this

insurance premium for causing harm to victim's health;

b) if due to injury to the health of the victim in

result of an Incident,

medico-social expertise victim set group

disability or category "disabled child". Size additionally

insurer is defined by as

difference between payable to sum of specified

in medical and social expertise for disability group or

category "disabled child" on standards

Government of the Russian Federation and earlier in

compliance with paragraph 2 of this insurer for

causing harm to victim's health

4. In the case, if the incurred additional

costs of treatment and repair in

victim's health accident (expense

for medical rehabilitation, purchase of drugs,

prosthetics, orthotics, outsiders

health-resort and other and lost

injured due to harming of his health

road incident (revenue) exceeded

sum of victim to 2 and 3

true insurance premium article, underwriter reimbures

expenses and lost earnings (income) when confirming, that

victim needed

Documentary Lost

(income) that the victim had or could definitely

The

of the occurrence of the case. Size in

compliance with this of the insurer is defined

insurer as difference between lost earning

(income), also additional expenses, confirmed

documents that are required

insurance, , and total in matches

paragraphs 2 and 3 of this article of the infliction of

harm to the health of the victim.

5. The part of the part of the loss

victim of earnings (income) is performed at one time or in

is a different order established by the mandatory insurance rules.

The aggregate of the infliction

Health of the victim carried out in accordance with paragraphs 2-4

this article may not exceed the insured value of

Article 7, subparagraph (a), of this Federal Law.

Insurance payment for causing injury to

to the victim or

victims and

insurance payouts are properly certified.

6. In the event of the death of the victim reparation

have the right matches with

legislation to compensate for the death of the breadwinner,

if there are no such spouses, parents, children

nationals with a dependent victim if it is not

had its own income (beneficiaries).

7. Causing lifetime harm

victim:

475,000 rubles-beneficiaries listed in 6

true article;

no more than 25 cost offset  

burial-persons who have incurred such expenses.

8. Insurer for 15 calendar days, for except

non-working holiday days, from the day of the first declaration

insurance payout in Reparations for Lifting, Lifting

injured as a result of an insurance event, accepts the

insurance Mandatory rules

insurance against other beneficiaries. In current

five calendar days, except non-working days,

after accepting statements from persons with

right to compensation in case of death of victim, insurer

makes an insurance payment.

Insurance payment whose size is set to

second

point 7 of this article, is distributed equally to

eligible for damages in of the victim's death.

Insurance Paid in Reparations for the Reparation of Life

victim, is a one-time event.

The person who has the entitlement in of death

victim in and

requirement after

insurance case was distributed

victim, right to require from these persons to return due in

matches with Federal of the insurance law

payment or to demand compensation for from the person

damage by life to the victim

The

insurance case, in accordance with civil law.

9. The victim or must provide

insurer all documents and evidence, all

known information, of the nature of the injury

resulting from the life or health of the victim.

10. harming property in to get

harming and sizing

Reparations by victim, intentional

use with or direct

damages, within five days

insurance payout claims and accompanying payments according to

required document insurance rules to submit

damaged vehicle or its remains for

(or) independent technical expertise, in inorder,

Article 12-1 of this Federal Other

property to examine and (or) independent (estimate)

in order, by Russian

Federation with

Federal law.

In , if and (or) technical

expertise, independent expertise (estimate)

damaged vehicle, other properties

or allows to install presence

insurance case and

compensation under the insurance contract for to find

specified insurer circumstances in

submission to the victim of payment

is right to examine a vehicle when using

property of the victim was injured, and (or)

organize and pay for technical

expertise for this transport in order,

The

article 12-1 of this Federal Law. Owner

transport property

victim was injured, obliged to represent this transport

the tool at the request of the insurer.

In , if the nature of the or feature

damaged vehicle, other property excludes

view to examine and technical expertise,

independent expertise (estimates) by location of the underwriter

(or) expert (For example, corrupted transport

excluding its participation in road traffic), this is indicated in

statements and specified inspection and independent technical expertise,

peer-review (estimate) location

damaged property for no more than five working days

insurance day and

compliance with required document insurance rules.

11. Insurer is required to examine the transport

tool, other property, or its remains and (or) organize

independent technical expertise, independent expertise (assessment)

days days days  view

injured damaged

victim with results technical

expertise, independent expertise (estimates) if different

agreed by the insurer with injured. Independent Technical

forensics or independent (estimate)

insurer in case of inconsistencies between the victims and

insurer of the character and of the list of visible damage

and (or) circumstances of harming in

road-transport

incidents.

If a damaged property is not provided to the victim

or (or) technical

expertise, independent expertise (estimate) in

insurer negotiates with the injured new date

examinations and (or) independent technical expertise, independent

expertise (estimates) of damaged property or its balances. On

this in case of default by the victim's failure 10 and

13 this article of duty to supply damaged property

or its (or) technical

expertise, independent expertise (estimate) commit time

insurer of payment, in

compliance with paragraph 21 of this article may be extended

period not to exceed number of days view date

victim damaged or

agreed with victim (or) independent

technical expertise, independent expertise (estimate), but not

more than calendar days,

public holidays.

insurancecan

other terms within which the insurer is required to arrive for inspection

and (or) independent technical expertise, independent expertise

(estimates) damaged property or

in hard to reach, remote

or

locations.

12. In the event that the result of the insurer

examine damaged property or

victim agrees on size of insurance payout and do not insist

to organize independent technical expertise or independent

Expertise (estimate) damaged

analysis is not performed.

13. If after inspection by the insurer of the damaged

property or its reminers and did not reach

consent repayments, must

organize independent expertise, independent

expertise (estimate), victim- to present damaged

property or its remains for the independent technical

expertise, independent expertise (assessments).

If the insurer has not examined damaged or

balances and (or) have not organized an independent technical expertise,

independent expertise (estimate) damaged or

victim has the right to self technical

Expertise or expertise (estimation). results

self-organized independent technical

expertise, independent expertise (estimates)

The

insurer to determine the amount of the premium.

14. Independent technical expertise, independent

expertise (estimates) based on insurance

payment, included in damages, to be compensated

The

insurer under the compulsory insurance contract.

15. Reparation of damage, to the transport

victim, can be implemented

Repairs

Repairs

damaged transport of the station

technical service, selected by victims

with to with rules

required insurance

contract (compensation for damage done in kind);

by issuing insurer to

(beneficiary) in the counter or of the sum

insurance payment on bank of the victim

(beneficiary) (cash or non-cash).

If an insurer has a contract with the station

technical maintenance, option for

implements the victim.

16. Redress for non-transportations

property of the victim, in order,

The

paragraph of third paragraph 15 of this article.

17. of the performance obligation

organization and Repair Repair Repair

in order, paragraph second

15

true article victim in an insurance payment or

direct damages indicates damages for damages

caused his vehicle, in kind, and also expresses

agree to a possible extension of the repair time of the repair

vehicle due to objective circumstances, in

Volume of Technology and

{ \cs6\f1\cf6\lang1024

(parts, nodes, and aggregates).

20 calendar days

holidays, from the day of receipt of an application for an insurance payment,

which contains an indication of compensation for damage caused to the transport

tool, in kind, insurer gives the victim to

repair, which specifies the maintenance station, on

which will be repaired by his vehicle

insurer pays for Repair of Vehicle

victim.

The victim has the right to select the service

from of the list offered by

services that the insurer has contracts with. Inventory

service with by an insurer

treaties are signed, hosted by the official

Information-Telecommunications

Internet

The

is current.

How Issues -related issues

hidden vehicle damage caused by insurance

case, is determined by service

agreement with insurer and with injured and specified by station

technical transport

victim in or in otherwise

The

that is issued to the victim.

How to settle repair pay issues, not related

with insurance case, -determined by technical

service agreement with the victim and is specified by the station

maintenance in a document that is issued to the victim

receipt of a vehicle for repair.

In the direction, by the insurer specifies

size of the maintenance station

injured for reparative repair based on paragraph 2

para. 19 of this article.

Underwriter and Payment

reconstruction of the victim's repair

adopted by paragraph 2 of paragraph 15 of this article,

is considered to be the insurer from

receipt by the victim of the repaired vehicle.

The liability for technical failure

target for

repaired

vehicle, as well as other commitments

Repair Repair Repair of Victim's Transport

is the insurer that issued the repair direction.

The Federal PROVISIONS

insurance

insurer Reparation Reparation

caused transport of the victim in order,

paragraph 2 of this article, if other

not provided by this Federal Law and from

The

creature of such a relationship.

18. Reparations for refunds on

causing harm to the property of the victim is defined:

(a) in the event of a total loss of property of the victim- in

real property value per day of the insurance

case minus the cost of today balances. Below full

damaged

unable to cost damaged

Property value or

exceeds the specified cost;

b) in the event of damage to the victim in

expenses required for to status, in

The

of which it was before the time when the insurance occurred.

19. By the of this

expenses also include and parts,

necessary for restoration repair, on

work associated with this repair.

Expense spare parts ( in

compensation for harm caused in order, paragraph

second paragraph 15 of this article) is determined with wear

parts of (parts and of aggregates)

replace with repair .

parts (parts, nodes and may not

depreciate over 50 per cent of their cost.

Material and spare parts costs required for

restoration of the vehicle's repair costs

payment for work-related repair and the cost of the usable balances

The

is defined in the order established by the Bank of Russia.

20. Insurer denies the victim the insurance benefit or

parts of it if repair of damaged property or dispose of it

balances carried out before the underwriter and/or the insurer

independent technical expertise, independent expertise (assessments)

damaged property in requirements

Articles, allow to install for the insurance

and damages, to

mandatory insurance.

21. Within 20 calendar days, for no-down

festive days, from to the address of the statement

victim of insurance or direct damages

appended rules

mandatory insurance, insurer required to make insurance

payment to the victim or Repair

vehicle with Repairs or Extend

victim is not motivated to pay an insurance payment.

If of the insurer or

compensation for damage caused in kind by insurer every

delay rate is paid to the aggrium (foam) in the size of one

percentage of the specified with Federal

damage

each victim.

victim's target

insurer payment for each

day delay paid to the victim money

financial penalty percent of from

true federal insurance law by type of caused

harm to each victim.

The current penalty (foam) or amount

financial penalty if implementation of insurance

payment or expiration time for the victim

insurance premium paid to victim based on submitted

statements about the payment of such (s) or

financial sanction that specifies the form of calculation (cash

or non-cash), as well as bank details,

penalty or amount of such financial penalty must be

paid in case of a choice of non-cash non-cash settlement, by

this insurer is not entitled to require additional documents for them

payment.

Control of compliance by the order of implementation

insurance payments are executed by the Bank of Russia.

Insurer compliance with insurance maturity or

The Bank of Russia's [ [ reasoned refusal]] throws to the insurer

requirement to perform duties, installed

true article.

full refunded

mandatory insurance contract for the statement

victim has the right to make the part of the payment,

The

corresponding actual part of the specified harm.

22. If all road users

recognized responsible for for damage, insurers

implement insurance in Reparations for

} road-transport

incidents, with ed by the judge's

whose civil liability is insured by them.

Insurers make insurance payment in ReimburAccount

harm to the victim multiple individuals,

guilt-based degree of guilt, civil liability

The

they are insured for. will have the right to produce

claim for injury to any from

insurers, Civil liability

causing harm.

Insurer, Harm, Shared

several individuals, has the right of recourse,

civil law.

If the degree of guilt of the road transport

Court not determined, their civil

Insurers

Federal law duty to compensate for harm caused in

result of such incident, in

shares.

23. A person who has placed the victim the damage in

outcome of an insurance case, has the right to claim the insurer,

which has insured the civil liability of the victim, in

size, defined in Federal

the law, within the amount paid. Implementing a Pass

is implemented in with by law

Russian Federation

Federal Act Regulating Between

The

insurer.

An amount in the amountcan be recovered from the person who caused the injury

part of the requirement, remaining unsatisfied in with

true Federal Law.

24. The relationship between the victim and by the insurer

direct damages

rules set by this Federal Law for relationships

between the victim and the insurer regarding the implementation of insurance

payments. The relevant provisions are applied to the extent, because

not otherwise provided by this Federal Law and

The

creature of such a relationship.

25. The liability is exempt from

insurance payment in cases (or)

The

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} insurance

contract . Cases of

paragraphs 1 and 2 of article 14 of this Federal Law, may not

is a reason for an insurer to refuse an insurance payment

Or to delay its implementation.

(Article 12 to the red. Federal Act of 21 July 2014 N

223-FZ -Collection of Russian legislation, 2014, N

30, article 4224)

Article 12-1: Independent technical expertise

of the vehicle

1. For the cause of hurting

transport tool, corrupted

and of their causes, technologies, and

reconstruction technical

expertise.

2. An independent technical expertise is performed according to the rules

approved by the Bank of Russia.

3. The technical forensics

using the

Repair Repair in of Transport

means, that is approved by in

:

(a)

outcost

parts, payment for repair work;

b resizable recharting

parts (parts, nodes, aggregates), in

component item (parts, nodes, aggregates),

which Repair Repair

set to zero wear value;

in) the order in which the value of the remains is calculated in

vehicle crash;

g annual Transport

;

d order of the s

cost of parts, and

Repair cost repair in

relation of the Transport

regional commodity markets (economic

regions).

4. Technical Transport Transport

is conducted by an expert, technician or expert organization,

in the state of at least one expert technician.

Expert-Expert Requirements, including Requirements

performance evaluation, foundation annulment, order

Maintenance of the State Register of Expert Equipment

Federation Russian Federation

The

executive branch.

5. Expert techniques are responsible for unreliability

Expertise

transport . The loss, of the expert-technique

due to of the Results

technical expertise, recoverable by an expert-technique in

full volume.

6. Vehicle forensics, assigned in

matches with Russian goals

(or)

cost Repair of Repair Repair in

insurance contract

compliance with the cost

Repair Repair in of Transport

funds, approved by the Bank of Russia, and by

true article.

(Article 12-1 was introduced by Federal Law of July 21, 2014. N

223-FZ-Legislative Assembly of the Russian Federation Federation, 2014,

30, article 4224)

Article 13: (Uspent force on the basis of the Federal Act

July 21, 2014. N 223-FZ- Meeting of Russian legislation

Federations, 2014, N 30, art. 4224)

Article 14. Right of recourse by insurer to person,

causing the injury

1. To insurer who paid the insurance compensation, passes

right to request the victim to cause harm in

incurred benefit of the benefit if:

(a) due to the intent of the specified person was caused life

or health of the victim;

b) the damage was caused by by the control

transport (Alcohol,

drug or other);

in) the specified person did not have the right control of transport

the means by which they were injured;

g) the of the road-transport

incidents;

d) specified bound

insurance as a person committed to the transport

condition of use of a vehicle only given in

mandatory insurance policy for drivers);

(e) An insurance case occurred using the specified person

transport of the period

mandatory insurance (under binding contract

insurance with condition on the transport in

mandatory insurance period);

accident

Police not directed to an insurer,

civil liability, instance of full

victim of accident notification form in

5 days of the Road Transport

incidents;

(s) Until 15 calendar days, except no-service days

festive days, of the incident

specified person

accident

Police Repair or Recycled

vehicle using which it was

damage, and (or) request

vehicle to check and (or) independent

technical expertise;

and) expired when the insured event occurred

diagnostic map for conformance

transport mandatory security requirements

transport , a taxi, bus or

car, for on

passengers, with more than eight seats (excluding space

for of the driver), of the vehicle of the vehicle,

designed and equipped for the transport of dangerous goods.

2. Insurer has the right to bring the Congress requirement in

size of insurance payout to technical

checkout of the map containing

transport requirement requirements

vehicle safety, if the insurance is

due of the transport and

malfunction detected or detected at the time of the

technical of the technical check,

information about it was not included in the diagnostic card.

3. Insurer is entitled to require the persons referred to in paragraphs 1 and

2 of this article, costs, incurred by

The

consideration of an insurance case.

4. The Articles

compensation for damage to the victim's property in

road-transport of incident, insurer, insured

civic responsibility, with considerations

Article 14-1 of this Federal Law.

(Article 14 in . Federal Act of 21 July 2014. N

223-FZ-Legislative Assembly of the Russian Federation Federation, 2014,

30, article 4224)

Article 14-1. Direct damages

1. The victim reclaims reparation for

caused property, , insures

civil responsibility of victim, in presence

at the same time:

(a) crash

caused only to vehicles specified in of "b"

true;

b) an accident

interaction (collision) of two transports (including

transport trailers

whose owners are insured

true Federal Law.

(Item 1 in Ed. Federal Act of 21 July 2014. N

223-FZ-Legislative Assembly of the Russian Federation Federation, 2014,

30, article 4224)

2. Insurer, who insure civil liability

victim, assessing the circumstances of the road transport

incidents of in on the road transport

incidents, and based on submitted documents

injured by his request for damages in matches

rules for compulsory insurance.

3. right damages damages

limits the victim's right to apply to the insurer

insured the civil liability of the person who caused the damage, c

about Reparations of harm, to life or health,

which occurred after reparations

damages and of which did not know at the time of the presentation

requirements (reed. Federal Act of 21 July 2014. N 223-FZ

Russian Law Assembly of the Russian Federation, 2014,

4224).

4. Insurer, who insure civil liability

victim, implements compensation for damage to property

victim, on behalf of insurer who insure civil

responsibility of person, causing damage (performs direct

compensation for damages), according to Article 26-1

true Federal of the agreement on reparations

damages in the size of in with

true Federal Law.

In the insurer's insurer's civilian

victim, in

damages direct

true Federal Law, in

The

insurer to whom an application for insurance payment is made.

(Item 4. The Federal Act of July 2014 N

223-FZ -Collection of Russian legislation, 2014, N

30, article 4224)

5. Insurer, who insure civil liability

person who causes harm to compensate for insurance benefit

required insurance contract for the insurer

direct damages, refunded to the victim in

compliance with Article 26-1 of this Federal

The

law is an agreement on direct compensation of damages. Federal

of July 21 2014 N 223-FZ-Legislative Assembly

Russian Federation, 2014, N 30, est. 4224).

6. of the insurer exception

civil liability of the person who caused the injury from the agreement

o damages of or in

Insurer under Russian legislation

procedures applied to bankruptcy or in case of revocation

it licenses to carry out insurance insurer,

direct damages, right to require

professional Implementation ers

compensation payment in the size, set by

direct damages in accordance with Article 26-1 of the present

Federal law (under the rule of law) Federal Act of 21 July 2014.

N 223-FZ-Russian Federation Law Assembly, 2014, N

30, article 4224).

7. Insurer, who insure civil liability

person, causing damage, and compensated for the insurance benefit on

insurance contract for the insurer

direct damages, recovered to victims, in

Article 14 of this Federal Law

has requirement

refunnable to the victim (paragraph 7 introduced by Federal Law

dated July 21, 2014. N 223-FZ-Legislative Assembly of the Russian Federation

Federation, 2014, N 30, st. 4224).

8. Professional insurers association

reimbursed by contract compensation required

insurance, for direct damages,

victim damage

true Federal laws has permission

person causing harm in the size of the recovered victim

(para. 8 was introduced by Federal Law of July 21, 2014). N 223-FZ-

Russian legislation meeting, 2014, N 30, st.

4224).

9. The victim, who is present in accordance with this Federal

right to claim for compensation caused

damage property directly to the underwriter,

civil responsibility for the victim, in

ratio of such insurer in to by law

Russian procedures of bankruptcy procedures

or if < of the insurance license

activity presents payment requirement

insurer, who insure civil liability of the person

harming (Paragraph 9 was introduced by Federal Law of July 21

2014 N 223-FZ-Assembly of Russian Legislation,

2014, N 30, 100 4224).

(Article 14-1 was introduced by Federal Law of 1 December 2007 g.

N 306-FZ-Russian Federation Law Assembly, 2007, N

49, art. 6067)

Article 15. Mandatory insurance arrangements

1. Required owners

transport by with contracts insurer

mandatory insurance, in transport

tools, Civil Who Owners

insured.

2. The Insurance coverage of the insurance contract

owner of the vehicle, persons specified in contract

mandatory insurance, , or for an unlimited number

persons approved by the owner to manage the transport in

compliance with of the required insurance contract

other persons, who use transport

reason.

3. For of the insurance contract

policyholder submits the following documents to the insurer:

(a) Statement of compulsory insurance contract

b) passport or different the identity document (if

insurer is a natural person);

in the public registration of legal

person (if the insured is a legal person);

g car registration

body registrating the vehicle (passport)

transport means, certificate of transport registration

tools, technical ticket or

similar documents);

d) driver's or copy of the driver

Vehicle Control Certificate

(in the case, if a required insurance contract is enclosed in

condition, that to only

defined persons);

e) a diagnostic map that contains compliance information

transport mandatory security requirements

vehicles (unless in accordance with

legislation in technical vehicles

vehicle not subject to technical inspection or

not required, or order

technical examinations set By the Government

Russian Federation, or frequency of technical

examination of such vehicle is six months, a

Federal Law) (Subparagraph (e) is introduced by Federal Law of 1

July 2011 N 170-FZ - Collection

Federation, 2011, N 27, st. 3881; in red. Federal Law of 28

July 2012 N 130-FZ - Collection

Federation, 2012, N 31, article 4319).

4. By agreement of the parties the insured has the right to present copies

documents, required for of the binding contract

insurance. rules of the required

insurance, referenced documents can

e-mails. If you are concluding a required contract

insurance in view provisioning

insurer of documents referred to in subparagraphs (b)-(e) of paragraph 3

real articles, not are required. Insurers get

details, in documents, by

information in the form with authorities

organizations (to the red. The Federal Act of July 2011 N

170-FZ -Collection of Russian legislation, 2011, N

27, st. 3881; of the Federal Act of 21 July 2014. N 223-FZ-

Legislation of the Russian Federation, 2014, N 30, st.

4224).

5. At , the owner's contract conclusion

transport of the tool, registered in

State and Tempore in the Russian

Federation, present the documents referred to in sub-paragraphs "b",

"g", "d" of paragraph 3 of this article, and one of the documents

of paragraph 3 (e) of this article or document

technical inspection issued in a foreign state

and matches

international of the treaty of the Russian Federation Federal

The law of July 1, 2011 N 170-FZ - Legislation

Russian Federation, 2011, N 27, Art. (...) (...)

6. Owners of vehicles, for transport

passengers regular messages

inform passengers of their rights and obligations stemming from

mandatory insurance policy, according to requirements

by the federal executive branch

transport.

6-1. (Paragraph 6-1 was introduced by the Federal Law of 1 July 2011. N

170-FZ-Legislative Assembly of Russian Federation Federation, 2011, N

27, st. 3881; expired under Federal Act No. 28

July 2012 N 131-FZ - Collection of the Russian

Federation, 2012, N 31, article 4320

7. of the Insurance Property

Insurer presents the insurer of the policy, that is

required insurance document

or gives the person to

mandatory insurance, reasoned written denial

that the contract cannot be concluded, which also informs

The Bank of Russia and the professional association of insurers. Insurer

Later one contract

mandatory insurance contributes information specified in the statement

and (or)

submitted when entering this contract, in an automated

information system required insurance, generated in

compliance with Article 30 of this Federal Law. Blanca

insurance policy of mandatory insurance is

strong reporting.

In the case of a compulsory insurance contract in

electronic document is sent to policyholder in

form of an electronic document.

(Item 7 in . Federal Act of 21 July 2014. N

223-FZ-Legislative Assembly of the Russian Federation Federation, 2014,

30, article 4224)

7-1. The insurance control

insurance insurance policies Insurance coverage

brokers and insurance agents and

unauthorized use. For targets

Federal Law Unauthorized Use of Forms

insurance of the mandatory insurance policy is the exchange rate

or grant of pure or form-filled

insurance policy to the owner of the vehicle without reflection in

installed of the contract

insurance, and distortion of information to the insurer

{ \cs6\f1\cf6\lang1024}Mandatory Insurance Policy{ \cs6\f1\cf6\lang1024

}

The

insurance policy that was passed to the policyholder.

hurt life, health or property

victim owner of vehicle required

Civil of whom is certified

insurance insurance policy of insurance, of which

unauthorised use, underwriter for

given insurance form of the policy, must pay for the account

native compensation

matches

Article 12 of this Federal Law, exception

Theft of Insurance Insurance Forms

condition that before of the case of the underwriter

insurance broker or insurance delegate

with about the theft of preprinted forms. Payment of specified

in order,

The

Federal law for the payment of the payment.

Insurance Policy Form Mandatory Insurance Property

professional

insurers compliance with professional

activities under paragraph 1

26

true Federal Law.

Incomplete and (or) untimely insurer

insurance premium, received by insurance broker or insurance

agent, does not exempt from the

obligations under the compulsory insurance contract, in

unauthorized

unauthorized usage

mandatory insurance policy.

In the of the compensation paid by the insurer

victim under this paragraph, as well as incurred

costs per review of victim's underwriter

right requirement to person, responsible for unauthorized

using the insurance policy insurance form

The

belonging to the insurer.

(Paragraph 7-1 was introduced by Federal Law of 21 July 2014 N

223-FZ -Collection of Russian legislation, 2014, N

30, article 4224)

7-2. The compulsory insurance contract can be written in

electronic document with -sensitive features installed

true Federal Law.

Creating and directing the insurer to the insurer

concluding a required insurance contract in online

document is implemented with

Insurer in the Information and Telecommunications Internet .

this official can

use as of the system's

exchange in form between the insurer,

insurer, operator of this information system, and

professional union of insurers,

operator

automated of Mandatory

insurance created in matches 30

Federal of the law. List of information provided

policyholder using

Information and Telecommunications Internet

{ \cs6\f1\cf6\lang1024 } Insurance{ \cs6\f1\cf6\lang1024

}

{ \cs6\f1\cf6\lang1024

}

electronic of document, is determined by required

insurance.

Insurer

Internet Information and Telecommunications for committing

actions referred to in this paragraph can be performed with

using a single authentication and authentication system.

The insurance contract cannot be entered as an electronic

document, if provided by the insurer, not

correspond to information, in automated

information insurance system created in

matches Article 30 of this Federal Law.

The insurance declaration

contract for mandatory insurance in electronic form,

addressed to insurer and signed simple electronic signature

insurer-physical or qualified

electronic person's legal

compliance with requirements of the Federal Act of April 6, 2011

Year N 663-FZ "About ", is recognized as an

document, equivalent to on the paper

signed handwritten signature. (to the red. Federal Law

from 28 November 2015 N 349-FZ - Legislation

Russian Federation, 2015, N, st. ).

After the insured premium

mandatory insurance insurer directs

insurance policy created with automated

information insurance system created in

article 30 of this Federal Law,

e-document, of the enhanced qualified

insurer Requirements

Federal Act of 6 April 2011 N 63-FZ " On electronic

signature. " At the same time with the insurer

policy in the form of an electronic document insurer makes

contract for mandatory insurance in automated

information system required insurance, generated in

matches Article 30 of this Federal Law.

(Item 7-2 is introduced by Federal Law of 21 July 2014 N

223-FZ -Collection of Russian legislation, 2014, N

30, article 4224)

8. coverage of the insurance

insured immediately must report in writing

insurer

conclusion of the compulsory insurance contract.

9. receipt of from insurer

details in a declaration of a required contract

insurance and (or) provided when concluding this contract

changes mandatory

insurance, and an automated information system

required insurance, created in accordance with Article 30

true Federal Law, no later than five working days from a date

making changes to the mandatory insurance policy (in

Federal Act of 1 July 2011 N 170-FZ -

To

Russian Federation Federation, 2011, N 27, st. 3881;

Federal Law of July 2014 N 223-FZ -Collection

Laws of the Russian Federation, 2014, N 30, Art. 4224).

10. End of Insurance

insurer provides and

nature of s cases,

insurance and benefits,

insurance duration, about and

unresolved claims by victims of and

other insurance

Actions

mandatory insurance (further insurance information about insurance).

Insurance is provided by the insurers for free in

written form, and in

information system required insurance, generated in

compliance with article 30 of this Federal Law

Federal Law July 2011 N 170-FZ -

To

Laws of the Russian Federation, 2011, (...) (...)

Insurance information

motor vehicle when implementing required

insurance in subsequent periods and accounts for the insurer at

to calculate the insurance premium under the compulsory insurance contract.

10-1.

and Check for Availability Information

}

absence of insurance payments, and of passing

technical examination uses information contained in

in an automated Information

insurance, created in with

Federal Law, and unified

The

automated technical exam.

Conclusion of the Mandatory Insurance Agreement without Information

o insurance in an information system

mandatory insurance, created according to Article 30

Federal laws, , and compliance checks

Information

in

mandatory insurance information system

and in a single automated system

information checkout is not allowed (Federal Act No. 10-1)

Act of July 1, 2011 N 170-FZ - Legislation

Russian Federation, 2011, N 27, st. 3881; in red. Federal

Act of July 21, 2014. N 223-FZ - Collection

Russian Federation, 2014, N 30, est. 4224).

11. The Bank of Russia is set up the form of a statement of opinion

.

mandatory insurance, insurance form of the policy

mandatory insurance and form of document that contains information about

insurance (ed.) Federal Act of 23 July 2008 N 160-FZ

Russian Law Assembly, 2008, N 30, st.

3616; Federal Act of 23 July 2013 N 251-FZ-Assembly

Russian legislation, 2013, N 30, sect. 4084).

Requirements for Documents and Order

<

injured (beneficiary) and insurer on implementation

mandatory insurance, recognition of information in in

electronic form, signed

electronic document, equivalent to in paper

media, signed by a handwritten signature, is installed

Bank of Russia with compliance with the Federal Law of

Aug 2001 N 115-FZ " legalization

(Laundering) Proceeds of Crime and Financing

Terrorism "and the Federal Law of April 6, 2011 N. 63-FZ" About

electronic signature " (paragraph was introduced by Federal Law from 21 July

2014 N 223-FZ-Assembly of Russian Legislation,

2014, N 30, 100 4224).

(Article 15 to the red. Federal Act of 1 December 2007 N

306-FZ-Legislative Assembly of the Russian Federation Federation, 2007, N

49, art. 6067)

Article 16. Mandatory insurance with limited

vehicles

1. Owners of vehicles have the right to conclude contracts

mandatory insurance with limited

vehicles, in their property or

(in ed. The Federal Law of 1 December 2007 N 306-FZ-

Russian legislation meeting, 2007, N 49, st.

6067).

Limited use of vehicles

in property of or in ownership

drivers only

and (or) seasonal vehicle use for three

and more months in the calendar (Paragraph , Federal

Law of December 1, 2007 N 30306-FZ-Law Assembly

Russian Federation, 2007, N 49, Art. 6067).

Limited use of vehicles

in property of or in ownership of legal entities, is recognized

seasonal use, in in particular, the use of snowplow,

agricultural, polypid, and other special

in for six months and more months in a calendar year (paragraph

was introduced by the Federal Act of December 1, 2007. N 306-FZ-Assembly

Laws of the Russian Federation, 2007, N 49, article 6067).

About the specified circumstances owner of the vehicle

right in writing form

mandatory insurance policy. In this case, the insurance premium

insurance contract

limited use of a vehicle, determined by

use of factors, of insurance tariffs, and

driving seniority, age, and other personal data

drivers, approved vehicles, and (or)

foreseen by the insurance contract

Use (Article 9, paragraph 2 of this Federal Law).

2. of the mandatory insurance

limited transport in insurance

drivers, approved for transport

, including based on the appropriate power of attorney, and

(or) contract of insurance period

to use it.

3. action of the insurance contract

limited use of the vehicle

insurer is required immediately in in writing to report

Insurer for the transfer of driving to drivers,

not specified in insurance policy as committed to control

transport

use beyond the period specified in required

insurance.

corresponding changes to the insurance policy. this underwriter

compliance with insurance tariffs by mandatory insurance

proportional to increased risk.

Article 16-1: Features of the consideration of disputes by treaty

required insurance

1. Before presenting claim against underwriter containing request

to implement an insurance benefit, the victim is required to address

insurer with claim for insurance benefit

or direct damages, with documents

The

required insurance rules.

The difference between and the insurer

relative to the last contract commitment

mandatory insurance before to underwriter

of of

or

liabilities of the binding insurance, dissent

victim with insurer insurer

payment to the insurer sends the claim to the insurer with documents,

appended it

to be considered by the for

calendar days, except public holidays, from the day

receipts. must

satisfaction victim request

performance compliance or

send a motivated rejection of this requirement.

2. Related Failure by or Improper

insurer of insurance

rights and legitimate interests of natural persons, victims

or

Russian Federation of 7 February 1992 N 2300-I " On the Protection of Rights

consumers in parts, not of Federal

law. Due performance by an insurer of its obligations

insurance

insurance or repaid

Tools in and in dates

Federal law.

3. satisfaction of for the victim

The

physical person about the insurance payout is looking for

with an underwriter in voluntary requirements

affected penalty of fifty percent of the difference between

aggregate repayments, by the court, , and

size of insurance of payment, by the insurer in

ex gratia.

4. On failure to return an insurance premium in cases,

provided insurance rules of insurance, underwriter

paid to policyholder- person (foam) in

one percent from

mandatory insurance for every day of delay, but is not

more

the size of the premium for such a contract.

5. The insurer is exempt from the penalty payment

(penalties), financial penalty and/or fine, if obligations

Insurers were performed in order and within the time frame set

true Federal Law, and if the insurer proves that

violation due to force

guilt of a victim.

6. The total size of the penalty (s), of the financial penalty,

which is to be paid to a physical person, not may

exceed of the damage,

The

specified by this Federal Law.

7. No insurer

true Federal and related with

change, execution and (or) treaties

mandatory insurance (foam), amount

sanctions, fine.

8. performance of

mandatory insurance, by the insurance agent or

The

insurance broker, is the insurer.

(Article 16-1 was introduced by Federal Law of July 21, 2014. N

223-FZ-Legislative Assembly of the Russian Federation Federation, 2014,

30, article 4224, paragraph 2 of paragraph 2 is valid until 1 July 2017)

Article 17. Reimbursement of insurance premiums by contract

required insurance

1. Disabled ( number of disabled children)

In

or their legal provides compensation in

size 50% of premiums paid by them by contract

mandatory insurance (red). Federal Act of 1 December

2007 N 30306-FZ-Assembly of Russian Legislation,

2007, N 49, 100 6067).

The specified compensation is provided when the condition

use of a vehicle by a person, eligible for such

compensation, and with with no more than two drivers (paragraph

was introduced by the Federal Act of December 1, 2007. N 306-FZ-Assembly

Laws of the Russian Federation, 2007, N 49, article 6067).

Reparations for contract

insurance is a expense obligation of the Russian Federation

(Ind. of the Federal Act of 29 December 2004 N 199-FZ

Russian Federation Law Assembly, 2005, N 1, st. 25).

Russian Federation passes state authorities

Subjects of the Russian Federation on the Payment of Disabled Persons

compensation for insurance premiums under the compulsory insurance,

set of this article (paragraph is introduced by Federal Law

of 29 December 2004 N 199-FZ - Legislation

Russian Federation, 2005, N 1, st. 25).

Tools on implementation of

providing these social support measures are provided

in federal budget

Act of December 29, 2004 N 199-FZ-Legislative Assembly

Russian Federation, 2005, N 1, st. 25; to the red. Federal Law

dated May 7, 2013 N 104-FZ-Assembly Russian

Federation, 2013, N 19, st. 2331).

The amount of funds, for the budget of

Federation, is determined by the numbers of are entitled

specified social support measures, and size of insurance

awards, calculated in accordance with this Federal Law

(Paragraph introduced by Federal Act of December 29, 2004) N 199-FZ-

Russian Federation Law Assembly, 2005, N 1, st. 25).

Subvention is credited in

federal budget to account for budgets of subjects of the Russian

Federation (Paragraph introduced by Federal Act of December 29, 2004) N

199-FZ-Russian Law Assembly, 2005, N 1,

25).

How How Granting

subventions set By the Russian Federation

(Paragraph introduced by Federal Act of December 29, 2004) N 199-FZ-

Russian Federation Law Assembly, 2005, N 1, st. 25).

State authorities of the Russian Federation

quarterly representing in the executive

Power on One Public Financial,

credit, monetary policy, spending report provided

subventions with specifying the number of individuals eligible for the specified measures

social support, recipient categories, and

amount of incurred expenses. need

additional data is order,

Russian Federation Russian Federation (paragraph was entered)

Federal Act of December 29, 2004 N 199-FZ- To

Laws of the Russian Federation, 2005, N 1, article 25).

targets

nature and cannot be used for other purposes (paragraph entered

Federal Act of December 29, 2004 N 199-FZ- To

Laws of the Russian Federation, 2005, N 1, article 25).

Destination Assignment

federal executive

to recover the specified in order, installed

Russian Federation (Paragraph introduced by Federal

Act of December 29, 2004 N 199-FZ-Legislative Assembly

Russian Federation, 2005, N 1, st. 25).

Control of spending is implemented by

executive authority exercising control functions and

oversight in the financial-budget area, by the body

executive authority exercising control and supervision

Health and Social Development, Honorable

Russian Federation (paragraph introduced by the Federal

December 2004 N 199-FZ- Meeting of Russian legislation

Federation, 2005, N 1, article 25).

State authorities of the Russian Federation

may give laws of the Russian Federation

local settlements, municipalities and

city districts Reparations

insurance insurance contract

set by this article (paragraph introduced by the Federal by law

from 25 December 2008 N 281-FZ - Legislation

Russian Federation, 2008, N 52, article 6236).

2. Russian authorities

Federation and local

permission to set full or partial compensation

insurance Insurance

categories of citizens. Sources and Order

providing of these compensations are defined according to

Regulatory Legal Acts of the Russian Federation

normative legal acts of local governments.

Chapter III: Compensatory payments

(name in red. The Federal Act of July 21, 2005 N

103-FZ-Legislative Assembly of Russian Federation , 2005,

30, art. 3114)

Article 18. Right to receive compensation payments

1. Compensation Reparations of Reparation

{ \cs6\f1\cf6\lang1024

}

cases, if insurance on mandatory insurance not

can be implemented due to:

(a) Introduction for the insurer in matches

Russian Federation law of procedures applicable in the case

about bankruptcy (in . Federal Act of 21 July 2014. N

223-FZ-Legislative Assembly of the Russian Federation Federation, 2014,

30, article 4224);

b comment for the insurer to implement an insurance

Activity;

in the) notorless of the person for caused

injured;

g) absence of the required insurance contract,

Civil liability of the detriment

due to non-performance of by this Federal Law

responsibility for insurance.

2. Compensation Reparations of Reparation

damage to the property of the victim is provided if

insurance payment

due to:

(a) Introduction for the insurer in matches

Russian Federation law of procedures applicable in the case

bankruptcy. The Federal Act of July 21, N

223-FZ -Collection of Russian legislation, 2014, N

30, article 4224);

b comment for the insurer to implement an insurance

activity.

2-1. Compensatory payment to

which has made direct damages to the insurance of the payment,

in with article 14, paragraph 6, of this

Federal Law (paragraph 2-1 Federal

July 2014 g. N 223-FZ - Collection

Federation, 2014, N 30, st. 4224).

3. The Russian Federations of Foreign Citizens

stateless and foreign legal entities have the

receipt of compensation on the same basis as citizens of the Russian

Federation and Russian legal entities (in Federal

Law of December 1, 2007 N 30306-FZ-Law Assembly

Russian Federation, 2007, N 49, Art. 6067).

4. (Paragraph 4 is no more effective under the Federal Act of 1.

December 2007 N 306-FZ- Meeting of the Russian

Federations, 2007, N 49, art. 6067)

5. (Paragraph 5 is no more effective under the Federal Act of 1.

December 2007 N 306-FZ- Meeting of the Russian

Federations, 2007, N 49, art. 6067)

6. requirement of the or of the insurer

direct damages,

compensation payment can be made within three years (in

Federal Act of 21 July 2014. N 223-FZ -

Laws of the Russian Federation, 2014, N 30, Art. 4224).

(Article 18 Ed. Federal Act of 21 July 2005 N

103-FZ-Legislative Assembly of Russian Federation , 2005,

30, art. 3114)

Article 19. Implementation of compensation payments

1. Compensatory payments are professional

union of insurers acting on the base

documents and according to this Federal

The

claims that have the right to receive them.

Treat requests for benefits

implement compensation and to implement

requirement, Federal

law, can insurers in effect professional

Insurers ' associations based on their contracts.

Relations between the victim and professional association

surers compensation by analogy

rules,

Federation for Relationships between the and Insurer

of the insurance contract . Relationships

professional insurer and underwriter

which made direct damages, or the insurer

insured the civil liability of the person who caused the damage,

analogies rules, set by

Russian Federation for between by the insurer,

direct damages, , and insurer

insurance against the civil liability of the person who caused the injury.

The position applies to

not otherwise provided by this Federal Law and

The

creature of such a relationship.

2. Compensatory payments are installed:

for damages, for the life of or health

every victim, not more than 500,000 rubles with

requirements of paragraph 7 of Article 12 of this Federal Law;

in parts of damages, each

The average size of the victim is 400,000 rubles ($1,250).

The specified compensation decreases

sum, equals the sum of the insurer and (or)

responsible for of the partial compensation

harm.

3. professional union

claim, requirement

compensation of payment, victim

professional association of insurers with a statement that contains

request for compensation payment, with

documents whose list is required by the rules

insurance.

4. Professional insurers

victim's application for compensation payment

documents appended to it in calendar days,

Elimination of a Holiday Holiday, of the receipt.

duration of specified professional union for insurers

must perform compensation for victim

list of compensation on bank

victim or send him in this

payment.

5. Paragraph of the second paragraph of the second paragraph of 12 of the present

Federal Law and Repair

repair of the insurance transport account

professional insurers compensation

payments.

(Article 19 in. Federal Act of 21 July 2014 N

223-FZ -Collection of Russian legislation, 2014, N

30, article 4224)

Article 20. Recovery of compensation amounts

1. Amount of compensation paid to the victim

Article 18 paragraph 1

Federal of the law, in in the [ [ regression]

professional association of insurers with of the person, of the responsible

for the harm caused to the victim (ed.) Federal Act of 21

July 2005 N 103-FOs - Collection of the Russian

Federation, 2005, N 30, article 3114).

Professional Association Insurers also

require from given for incurred expenses

Consider the victim's claim for compensation.

2. The amount of the compensation payment

victim according to the "a" and "

1

2 Federal

professional union of insurers passes

mandatory insurance requirements,

victim has an insurer to the insurer. Federal Act of

July 2005 N 103-FZ - Collection

Federation, 2005, N 30, article 3114).

3. Within the scope of the compensation payment,

matches with 2-1 Federal

law, professional insurers navigates

eligibility requirement for contract

mandatory insurance, , which according to theagreement

direct damages, provided by Article 26-1 of this

Federal Law, Insurer, which has implemented direct compensation

damages, has for insurer,

Liability of the person who caused the injury (point 3, Federal)

The law of July 21, 2014. N 223-FZ - Legislation

Russian Federation, 2014, N 30, est. 4224).

Chapter IV: Insurers

Article 21. Insurers

1. The insurer must have in of each subject

Federation of Your Representative, Authorized

victims payments and direct reimbursement

damages,

and

damages. Service on the conclusion of the required contracts

Insurance must be given in any standalone

subdivision of the insurer (branch) (in the red. Federal Act of

July 21, 2014. N 223-FZ- Meeting of Russian legislation

Federation, 2014, N 30, st. 4224).

2. Insurers should be members of professional

consolidating of insurers, acting according to this

Federal law. In the event of an insurer's withdrawal or exception from

professional insurers ' union professional

merger of insurers within one business day notification

This is the Bank of Russia. Federal Act of 21 July 2014.

N 223-FZ-Russian Federation Law Assembly, 2014, N

30, article 4224).

3. The requirement for the organization's insurance requirement

requesting for permission (license)

mandatory Civil owners

vehicles, is this insurance organization

Insurance of vehicles or civil liability

owners.

Insurers and must dispose in

and

access to automated information system

insurance, created by with

Federal law (under the rule of law) Federal Act of 21 July 2014.

N 223-FZ-Russian Federation Law Assembly, 2014, N

30, article 4224).

4. The insurer keeps

mandatory insurance, log

and premats

avoided insurance accounts

insurances

contracts accepted in reinsurance,

damages on insurance

accepted in reinsurance, Mandatory law log

insurance, transferred in reinsurance, share

reinsurers on compulsory insurance contracts,

passed in reinsurance, and represents

logs in the professional union of the insurers in the order

set rules for professional activity. In current

five days from for the license

insurance, exceptions or voluntary out of

professional insurers

pass specified logs,

insurance insurance policies in professional

merger of insurers (item 4 by Federal Law from 1

December 2007 N 306-FZ-Legislative Assembly

Federation, 2007, N 49, st. 6067; in red. Federal Act of 21

July 2014 g. N 223-FZ - Collection

Federation, 2014, N 30, st. 4224).

5. (Paragraph 5 was introduced by the Federal Act of 1 December 2007. N

306-FZ-Legislative Assembly of the Russian Federation Federation, 2007, N

49, st. 6067; lost power under Federal Act No. 21

July 2014 g. N 223-FZ - Collection Russian

Federations, 2014, N 30, art. 4224)

6. (Paragraph 6 was introduced by the Federal Act of 1 December 2007. N

306-FZ -Collection of Russian legislation, 2007, N

49, st. 6067; lost power under Federal Act No. 21

July 2014 g. N 223-FZ - Collection

Federations, 2014, N 30, art. 4224)

7. (Paragraph 7 was introduced by the Federal Act of 1 December 2007. N

306-FZ-Legislative Assembly of the Russian Federation Federation, 2007, N

49, st. 6067; lost power under Federal Act No. 21

July 2014 g. N 223-FZ - Collection Russian

Federations, 2014, N 30, art. 4224)

Article 22: Insurers of operations

mandatory insurance

1. Organize mandatory insurance contracts

and placement of service advertisements for specific insurers mandatory

insurance in and on territories occupied by organs

public of the Russian Federation

State authorities of the Russian Federation

local government is not allowed.

2. In the case, if the mandatory insurance is implemented

between revenue and Insurer's expenses for the first quarter

, 9 months, calendar (period reported period)

greater than 5 percent from revenue, checksum

is being sent by the insurer to form of the reserve for

compensation for expenses for insurance payments and direct

recover damages in subsequent periods (stabilization reserve

mandatory insurance)

, 10 percent of the Reserve

losses occurring but not claimed by an insurer

to implement insurance payment mandatory insurance

( , but unclaimed loss

insurance) at the end of the reporting period. Federal Law

from 28 February 2009 N 30-FZ - Legislation

Russian Federation, 2009, N 9, article 1045).

3. of the insurance company

deductions from premiums

mandatory insurance in professional union

insurers:

for financial compensation benefits

point 1 (a) and (b), paragraphs 2 and 2-1

Article 18 of this Federal Law (the guarantee reserve);

for financial compensation benefits

produced by "in" and "g" of paragraph 1 of Article

18 of this Federal Law (Reserve of the current compensation

payments.

Insurers in and Current

compensation payments are recognized as current insurers ' and

Mandatory

Mandatory

insurance.

Minimum Unallocations in and reserves

current compensation payments are set in matches

Insurance tariff structure. Total deductions in reserve

guarantees and for the current compensation for is defined

insurer

Minimal for royalties

insurers, of professional union

insurers in professional activity

and reserves adequacy

current compensation for security

corresponding compensation payments,   financial  

insurer and (or) other factors

probabilities for compensation and possible

length.

(Item 3 in . Federal Act of 21 July 2014. N

223-FZ-Legislative Assembly of the Russian Federation Federation, 2014,

30, article 4224)

Article 23. (Uspent force on the basis of the Federal Act

1 December 2007 N 30306-FZ-Legislation Assembly of the Russian Federation

Federations, 2007, N 49, art. 6067)

Chapter V. Professional Association of Insurers

Article 24. Professional Association of Insurers

1. Professional insurers association is

non-commercial organization is one

all-Russian professional association based on the principle

mandatory membership and for in

ensuring rules

professional activity required

insurance, also to provide technical

inspecting vehicles according to in

transport (in .

Federal Law July 2011 N 170-FZ -

To

Laws of the Russian Federation, 2011, (...) (...)

2. Professional unification of insurers acquires its own

status of from Bank of the Russian Federation

Bank of the Russian Federation

associations of insurance entities as professional

union insurers (in Ed. Federal Act of 23 July

2013 N 251-FZ-Assembly of Russian legislation,

2013, N 30, article 4084).

Professional Association Insurers

works according to Russian

Federation, for associations (unions).

The specified locations are used with for given

Federal by law of the professionalstatus

federation of insurers.

3. Professional Association of Insurers is Public

to join new members.

The

professional union documents must

contain clause for union membership consent

of the insurer

Requirements that

professional union members

occupational group.

Manage Professional Insurers

formed in order, by Russian legislation

Federations, constituent documents of a professional association

insurers,

representation in professional elections

consolidating insurers and participation in managing this union

(Paragraph introduced by Federal Law of July 21, 2014 N 223-FZ

Legislation of the Russian Federation, 2014, N 30, st.

4224).

4. professional

requirements in

transport Russia

' s order (item 4 by Federal Law 23

July 2013 N 251-FZ - The legislature

Federation, 2013, N 30, st. 4084).

Article 25. Professional Functions and Powers

of insurers

1. Professional Association of Insurers:

a) enables its members to interact with the implementation

Mandatory insurance, designs and

mandatory for professional association and its members

professional activities and their compliance;

b) represents and protects the authorities in the authorities

local governments, other bodies

interests, related members

members

union of the mandatory insurance;

in) performs compensation

deductions of insurers to reserve and current

compensation payments in accordance with constituent documents

professional union and requirements

Federal Law, and also implements requirements

20 of this Federal Law's article

Federal Law of July 2014 N 223-FZ -Collection

Russian legislation, 2014, N 30, article 4224;

(-1) organizes its members ' members' insurance forms

insurance policies and forms used by

implementing insurance operations within the framework of international systems

insurance, performs control

forms and post

information-telecommunications Internet received from

its members information about policies for the policies,

in standalone insurer (branches)

of each of the constituent entities of the Russian Federation (sub-paragraph was entered

Fed by Law 28 December 2010. N 392-FZ-Assembly

Russian legislation, 2011, N 1, st. 4; to the red.

Federal Law of July 2014 N 223-FZ -Collection

Russian legislation, 2014, N 30, article 4224;

-2) informs the transport owners of

incident

delegate to police officers according to

Article 11-1 of this Federal Law ("v-2" entered

Fed by Law July 2014 N 223-FZ -Collection

Russian legislation, 2014, N 30, article 4224;

3) Requirements

tools, victims about of the contract

mandatory insurance against a specified person,

number of the contract and of the insurer

(subpara. "-3" ) was introduced by the Federal Law of July 21, 2014. N

223-FZ-Legislative Assembly of the Russian Federation Federation, 2014,

30, article 4224);

g compensates for the share share

insurance for account

compensation payments, according to Federal

Law dated October 26, 2002 N 1127-FZ " On insolvency

(bankruptcy) ";

h-1) performs according to the law in the area

technical inspection of vehicles accreditation of operators

technical checkups, maintain ( list ofoperators

technical inspection (G-1 subitem introduced by Federal Law

1 July 2011 N 170-FZ-Law Assembly of the Russian Federation

Federation, 2011, N 27, st. 3881);

h-2) (Sub-item "G-2" introduced by Federal Act of 1 July 2011

g. N 170-FZ-Legislative Assembly of the Russian Federation, 2011,

N27, st. 3881; lost power under Federal Act No. 28

July 2012 N 130-FZ - Collection

Federation, 2012, N 31, article 4319)

d performs other features, normative

legal acts of the Government of the Russian Federation, normative

acts of the Bank of Russia by the constituent of the professional

associations in goals (in  Ed.

Federal Law of July 2014 N 223-FZ -Collection

Laws of the Russian Federation, 2014, N 30, Art. 4224).

(Item 1. Federal Act of 22 April 2010 N

65-FZ-Legislative Assembly of the Russian Federation, 2010, N 17,

(1988)

2. Professional association of insurers to the right:

create and use information systems

about insurance, insurance

international insurance systems, including information about contracts

mandatory insurance and insurance cases, personal data

about Insured and Victims, with

Russian protection requirements

restricted access information (reed. Federal Act of 11

July 2011 N 200-FZ - Collection

Federation, 2011, N 29, article 4291;

Federal Act of 21 July 2014. N

223-FZ-Legislative Assembly of the Russian Federation Federation, 2014,

30, article 4224);

Protect members in the professional court

joins, related with required

insurance;

Russian Federation Law for Information and

implementation of the implementation

Federal Law, including Activities Related to Activities

members of a professional association within the framework of international systems

insurance (ed.) The Federal Act of 1 December 2007 2007 N

306-FZ -Collection of Russian legislation, 2007, N

49, art. 6067);

Russian legislation and international requirements

Insurance coverage of the national insurer union function,

operatorinsurance

(Paragraph ) was introduced by the Federal Act of July 21, 2014. N 223-FZ-

Russian legislation meeting, 2014, N 30, st.

4224).

Professional Association of Insurers Right to

other of its constituent documents ' activities in

matches the objectives defined by this Federal Law.

Professional union can perform commercial

activity only insofar as it serves the purpose,

for which it has been created and its corresponding objectives.

in technical

examine transport professional union

insurers are implementing Claimants

set accreditation requirements and activity

technical conformance

accreditation requirements and technical inspection rules

(paragraph is introduced by the Federal Act July 1, 2011). N 170-FZ-

Russian Law Assembly, 2011, N 27, st.

3881).

Article 26. Professional Rules

1. Professional , the insurers merge

rules, mandatory for

members and Containing Requirements:

(a) the order and conditions of members of the professional

payments

mandatory insurance contracts, for other members

professional union, order of and implementation

provident benefits;

B and professional

uniting compensation payments, in numbers

Requirements

of the professional of the union, , and order

{ \cs6\f1\cf6\lang1024 } { \cs6\f1\cf6\lang1024

}

professional union, related implementation

compensation payments (to the red. Federal Act of 21 July 2014

g. N223-FZ-Assembly of Laws of the Russian Federation, 2014,

N 30, article 4224);

B-1 of the direct damages agreement (subitem

"B-1" was introduced by the Federal Law of December 1, 2007. N 306-FZ

The legislation of the Russian Federation, 2007, N 49, st.

6067; to red. Federal Act of 21 July 2014. N 223-FZ

Legislation of the Russian Federation, 2014, N 30, st.

4224);

in the funding of compensation members

professional union, control for target

using matching tools,

professional federation on operations

intended for compensation payments;

1) Join members

Insurers and Decorating to Insurance Property

portfolio, additional conditions and features of the transfer

insurance portfolio, in for the insurer

passed to insurance portfolio, when using alert measures

bankruptcy of the insurer and during procedures used in

bankruptcy of underwriter, order of and payment

insurer, to which the insurance portfolio corresponds to

compensation (a < 1 " ) Federal by law of 1

December 2007 N 306-FZ- Meeting of the Russian

Federation, 2007, N 49, st. 6067; in red. Federal Act of 22

April 2010 N 65-FZ - Collection Russian

Federation, 2010, N 17, art. 1988);

g) creating and using systems

professional association containing limited information

access, (in  Ed.

Federal Law of July 2011 N 200-FZ -Collection

Russian legislation, 2011, N 29, article 4291)

d of order's professional new

members and exits or exceptions to membership;

(e) and spending

professional goals other than finance

compensation payments, in distribution

corresponding costs, payments, , between

members;

employee qualifications

(s) of documentation, record-keeping rules and reporting

and) -related rights

insured and victims, including order of

complaints against members of a professional association;

s members

professional union binding and

rules, in creation

and on the results

other members of the union's

information for

such checks;

L sanctions and other measures against members of the professional

union, of their officials and employees, order of application, and

{ \b}

{ \b

}

{ \b

}

{ \b}

m disputes between members

union, generated

one from members

professional victims

implementing insurance on required

insurance, by by another member

joins and other professional activities by

mandatory insurance;

n) activity of the professional federation of insurers and

its members as part of international insurance schemes in accordance

with 9 of the Federal of the law (ed.)

Federal Law of July 2014 N 223-FZ -Collection

Russian legislation, 2014, N 30, article 4224;

o insurers

and reserves for the current compensation payments (to the red reserve).

Federal Law of July 2014 N 223-FZ -Collection

Russian legislation, 2014, N 30, article 4224;

p. of accounting, storage, destruction, and forms transfer

insurance policies ( "p" is introduced by Federal Law 1

December 2007 N 306-FZ- Meeting of the Russian

Federation, 2007, N 49, article 6067);

p. remuneration for in the contract

mandatory insurance for the premium

insured on required insurance, within

insurance costs to implement compulsory insurance (in

Federal Act of 27 December 2009 N 362-FZ-Assembly

Laws of the Russian Federation, 2009, N 52, article 6438;

c) how to maintain and provide records for prisoners

mandatory insurance, insurance contracts

logs and ahead of the contract terminated

insurance, contracts ( "c" )

Fed by Law April 22 2010 N 65-FZ-Collection

Laws of the Russian Federation, 2010, N 17, art. 1988;

t)

JoinMembers of the union

Insurers of Mandatory Insurance Policy Form and

forms used in insurance operations in

international insurance systems

forms and of the number of required

insurance,

dependency on financial stability and solvency of members

professional insurers,

membership conditions in the professional union

( "t" was introduced by the Federal Act of December 28, 2010). N

392-FZ-Legislative Assembly of the Russian Federation, 2011, N 1,

4; to the red. Federal Act of 21 July 2014. N 223-FZ-

Russian legislation meeting, 2014, N 30, st.

4224);

o) order by the repof the insurer

insured civil victim's liability

requests

damages and direct damages from

name and from underwriter ( "o" )

Fed by Law July 2014 N 223-FZ -Collection

Russian legislation, 2014, N 30, article 4224;

relationships with fears and insurance

brokers, from of the professional

federation of insurance policies mandatory

insurance (''f' ' was introduced by Federal by Law of July 21

2014 N 223-FZ-Assembly of Russian Legislation,

2014, N 30, article 4224);

x union members

insurers with maintenance stations ( "x"

has been introduced by Federal Law of July 21, 2014. N 223-FZ-Collection

Russian legislation, 2014, N 30, article 4224;

c) of concluding mandatory insurance contracts

in the form of electronic documents ( < Federal

of 21 July 2014 N 223-FZ-Legislative Assembly

Russian Federation, 2014, N 30, article 4224);

h) other rules activity, establishment

attributed to the professional union members

professional union

Insurers (Subitem "h" introduced by Federal Law from 21 July

2014 N 223-FZ-Assembly of Russian Legislation,

2014, N 30, 100 4224).

1-1. Requirements specified in subparagraphs (a)-"d", "n"-"z"

1 of this article, , and are modified

professional association of insurers in agreement with the Bank

Russian, other requirements of paragraph 1 of this article

- professional insurers

notifications to the Bank of Russia in the prescribed manner.

Professional Rules and specified

rules of change do not come into effect before agreeing on s

The Bank of Russia. Changes, in in the professional

activities and not that result in

professional insurers 'responsibilities

Insurers, Insured, Victims, beneficiaries

other persons do not require approval from the Bank of Russia and

to be notified.

(Paragraph 1-1 was introduced by the Federal Act of December 1, 2007). N

306-FZ-Legislative Assembly of the Russian Federation Federation, 2007, N

49, st. 6067; in . Federal Act of 21 July 2014. N

223-FZ-Legislative Assembly of the Russian Federation Federation, 2014,

30, article 4224)

2. In the case of if the professional union is set up

Insurers of Professional Activity Rules violate

other faces count of victims, insurers, insurance

organizations, not in in professional union, faces,

whose rights have been violated, and the Bank of Russia has the right to file a

acceptance of the specified rules invalid or with a claim for

changes in them (rev. Federal Act of 23 July 2013 N

251-FZ -Collection of Russian legislation, 2013, N

30, article 4084).

Persons whose rights are violated, to the right

professional associations of compensation insurers

losses.

3. Professional Insurers Association

issues affecting interests, rights and obligations of the insured and (or)

survivors out of professional activities

due account of their official site in

Internet Information and Telecommunications Network (item 3 )

Fed by Law July 2014 N 223-FZ -Collection

Laws of the Russian Federation, 2014, N 30, Art. 4224).

Article 26-1. Direct damages agreement

1. The Direct Reparation Agreement is

members and

The

professional union of insurers. By convention

specified and insurer

which made direct damages, and by the insurer

insured the civil liability of the person who caused the injury, a

also between the insurer that implemented forward damages,

or insurer who insured the civil liability

victim, and professional insurers

cases, provided by 14-1 of Federal

law.

Execution of the insurer's insurer

civil responsibility for the person who caused the harm, before

insurer that made direct damages, in

paragraph 14-1 of the

Federal

law may be implemented by refunds

damages for each request of the victim and/or based on numbers

Satisfied requirements in

period

amounts of insurance payments defined according to the

direct damages.

Requirements for a forward recovery agreement loss, order

calculations between insurers

Accounting for direct reimbursement

losses are set by the Bank of Russia.

2. Constituent of a professional union

to be , accession

damages, to be awarded

professional association of insurers and by all members

is a required condition for the organization's membership

professional association of insurers.

(Article 26-1 was introduced by Federal Law of 1 December 2007 g.

N 306-FZ-Russian Federation Law Assembly, 2007, N

49, st. 6067; to red. Federal Act of 21 July 2014 N

223-FZ -Collection of Russian legislation, 2014, N

30, article 4224)

Article 27. Trade union responsibility

compensation payments

1. Constituent of a professional union

must set to to implement

envisaged Federal compensation

payments, and in members of the professional association

default liability for obligations

occupational group.

2. compensation requirements

and 1, 1, 2 2 2 2 Articles  18

true of the Federal law, is professional

union of

members

members

professional insurers association to the guarantee pool, a

implementations professional

requirement

requirement

paragraphs 2 and 3 of article 20 of this Federal Law.

compensation requirements

Article 18, paragraph 1, subparagraphs (c) and (d)

federal law, covered by professional union

insurers for members

professional insurers

paragraph 3 of Article 22 of this Federal Law

compensation payments, as well as funds received from implementation

professional insurers requests

1 Federal

law.

membersinsufficior

members

professional union of from guarantees reserves

claims for compensation payments

a and 'b' 1, 2 2-1 18

federal law, covered by professional union

insurers by means of item 3

real Federal of the compensation reserve

payments, as well as funds received from professional

requirement

requirement

Article 20, paragraph 1, of this Federal Act.

membersinsufficior

members

professional insurers from of Current

compensation payments, victims compensation requirements

payments under "in" and "g" of article 18

true Federal law, professional

combining insurers with the means provided by

Article 22 of this Federal Protection Reserve

implementations professional

requirement

requirement

paragraphs 2 and 3 of article 20 of this Federal Law.

(Item 2 in Federal Act of 21 July 2014. N

223-FZ-Legislative Assembly of the Russian Federation Federation, 2014,

30, article 4224)

3. (Paragraph 3 is no more effective on the basis of the Federal of the law

21 July 2014 N 223-FZ-Legislative Assembly of the Russian Federation

Federations, 2014, N 30, art. 4224)

Article 28. Professional Association Property

insurers

1. The professional insurers

is generated by:

property, of the professional union

compliance with

professional union;

introductory contributions, subscriptions, target contributions, and

other mandatory payments

in professional

uniting members in with rules

professional union;

tools, received from requests requirements

Article 20 of this Federal Law;

Operator

envisaged in with in

technical inspection of vehicles;

voluntary contributions, other sources.

The professional insurance company can

use only in goals for of which thiswas created

professional association.

(Item 1. Federal Act of 1 July 2011 N 170-FZ

-Russian Law Assembly, 2011, N 27, st.

3881

2. Tools, for funding

compensation payments, and Current

commitments, separate from other professional property

joins (in. Federal Act of 21 July 2014. N 223-FZ

Russian Law Assembly of the Russian Federation, 2014,

4224).

funding for funding

compensation of payments, ( and "b"

point 1, paragraphs 2 and 2-1

Federal

law, separate from funds earmarked for funding

compensation payments Other (in Ed. Federal

of July 21 2005 N 103-FZ-Legislative Assembly

Russian Federation, 2005, N 30, st. 3114; Federal Act of

21 July 2014 N 223-FZ-Legislative Assembly of the Russian Federation

Federation, 2014, N 30, st. 4224).

Resources for for

{ \cs6\f1\cf6\lang1024 } compensation

{ \cs6\f1\cf6\lang1024

}

payments, , and funds, current commitments,

is a separate accounting. For activity calculations, related to

of each of these types of compensation payments

professional association opens a separate bank account

(Ind. Federal Act of 21 July 2014. N 223-FZ-Collection

Laws of the Russian Federation, 2014, N 30, Art. 4224).

On funds for for funding

compensation payments, may not can collect

professional insurers ' union, if

the implementation

mandatory insurance compensation (paragraph was entered

Fed by Law June 14 2012 N 78-FZ- -Collection

Russian legislation, 2012, N 25, 100 3268).

2. (Paragraph 2-1 was introduced by the Federal Act of 1 December 2007

N 306-FZ-Russian Federation Law Assembly, 2007, N

49, st. 6067; lost power under Federal Act No. 21

July 2014 g. N 223-FZ - Collection

Federations, 2014, N 30, art. 4224)

3. Investment of temporarily free funds

union is implemented on diversification

return, profitability and of liquidity only

saves and increases these funds.

Hosting Money

professional association of insurers is permitted in credit

organizations, assets and

billions of and (or)

physical banks

bank accounts, and

billions

. no money

Professional Insurers

organizations that are directly or indirectly controlled by members

professional union, for credit

organizations, shares of (shareholdings)

Russian Federation or Russia size,

define s credit s

attributed of the general meeting

(in Federal Act of 21 July 2014. N

223-FZ-Legislative Assembly of the Russian Federation Federation, 2014,

30, article 4224).

4. Professional Association of Insurers leads Statistics

compensation of the compensation in

Current

compensation, about investment result from location

{ \cs6\f1\cf6\lang1024}Reserve

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}

{ \cs6\f1\cf6\lang1024}{ \b }

about amounts, from implementation of the requirement

article Federal

expending of data on implementation

compensation payments, and quarterly

information to the Bank of Russia (to the red. Federal Act of 21 July 2014

g. N223-FZ-Assembly of Laws of the Russian Federation, 2014,

N 30, article 4224).

5. Tools, received by professional from

realization of the right requirement of Article 20 of this

Federal Law, for

compensation payments.

6. Annual (financial) reporting

professional insurers ' union joins are required

audit (in Federal Act of 21 July 2014. N 223-FL -

Legislation of the Russian Federation, 2014, N 30, st.

4224).

An audit organization and of the contract clause

conclude with professional insurers

approved by the general meeting of the union members

Insurers (under Ed. The Federal Act of July 2014 N

223-FZ -Collection of Russian legislation, 2014, N

30, st. 4224; of the Federal Act of 4 November 2014. N 344-FZ-

The legislation of the Russian Federation, 2014, N 45, st.

6154).

7. Annual report, annual (financial)

reporting of the union together with

audit opinion within one month after approval

general meeting of professional insurers

subject to published annually in

Information and communications technology network "Internet". About this

publish to professional union

Insurers to the Bank of Russia (ed. Federal Act of 21 July

2014 N 223-FZ-Assembly of Russian Legislation,

2014, N 30, st. 4224; of the Federal Act of 4 November 2014. N

344-FZ -Collection of Russian legislation, 2014, N

45, article 6154).

Article 29. Contributions and other mandatory payments of members

professional join

Size,

{ \cs6\f1\cf6\lang1024 } { \cs6\f1\cf6\lang1024

}

{ \cs6\f1\cf6\lang1024

}

contributions, and other mandatory payments in

professional union is set by general meeting of members

professional union in with

Federal law, other normative legal acts of the Russian Federation

Federation and of the Articles of the professional

joins. For Operations

Insurance in international insurance

constituent of the professional union

can other different order of establishment

size and payment of mandatory contributions (to the red. Federal Law

from 1 December 2007 N 306-FZ - Legislation

Russian Federation, 2007, N 49, Art. 6067).

Chapter VI: Final provisions

Article 30. Information Interaction

1. Russian Federation executive authorities, bodies

executive Russian entities

local government, Bank of Russia and citizens

must free insurers and

professional association of information, that they have, in

relation

privacy and associated with cases

mandatory insurance, insurance in international

insurance systems or with events, based

compensation requirements for (in repayments.

Federal Law of 11 July 2011 N 200-FZ -Collection

Russian Federation Federation, 2011, N 29, st. 4291;

Federal Law of July 2014 N 223-FZ -Collection

Laws of the Russian Federation, 2014, N 30, Art. 4224).

Internal affairs by

providing to insurers, professional union

Insurers, upon request, required for locations

true Federal Information

Transport

Identity

tools, about vehicles and committed

Police officers (in events.

Federal Law of July 2014 N 223-FZ -Collection

Laws of the Russian Federation, 2014, N 30, Art. 4224).

Insurers and professional are required

obey Russian Federation

security modes, the information mode they receive in

request

privacy, , and

Russian

violations

Federation liability Federal Act of 11 July

2011 N 200-FZ-Legislative Assembly of the Russian Federation,

2011, N 29, article (...) (...)

2. (Paragraph 2 is no more effective on the basis of the Federal of the law

21 July 2014 N 223-FZ-Legislative Assembly of the Russian Federation

Federations, 2014, N 30, art. 4224)

3. In , the purpose of the information provision of imprisonment

mandatory insurance contract in the form of of the document,

compensation payments, direct damages,

applying factor, in tariffs for and

9

Federal Law, Economic Soundness Analysis

tariffs, interoperability with insurers

Surface Transport Insurance with Victims, Control

for implementation of insurance, , and implementations of other

of the Federal of the is created

automated information required

insurance, containing information about required

insurance, insurance cases, vehicles and

owners, statistics, and other required information

mandatory insurance (red). Federal Act of 1 July 2011

g. N 170-FZ-Legislative Assembly of the Russian Federation, 2011,

N27, st. (...) (...) N 223-FZ-

Russian legislation meeting, 2014, N 30, st.

4224).

The information in in the information system

provided free

limited access. Access Limited Information

provided to state authorities, Bank of Russia,

insurers and their professional associations, other

matches with their specific

Russian legislation, and installed for

order (Ind. Federal Act of 11 July 2011 N 200-FZ-

Russian Law Assembly, 2011, N 29, st.

4291; Federal of the law of July 21, 2014. N 223-FZ-Collection

Laws of the Russian Federation, 2014, N 30, Art. 4224).

The organs of and organizations

information system, information lists

Mandatory By State

authorities, insurers, other persons to be included in the information

system, order to give to users in it

information, and organs and organizations, responsible for the collection and

processing specified information, approved by By the government

Russian Federation. Federal Act of 11 July 2011

N 200-FZ-Collection of Russian legislation, 2011, N

29, st. 4291; of the Federal Act of 21 July 2014. N 223-FZ-

Legislation of the Russian Federation, 2014, N 30, st.

4224).

Automated Information

mandatory insurance, organizing and (or)

processing in info, is professional

union of insurers (paragraph introduced by Fed

July 2011 N 170-FZ - Collection

Federation, 2011, N 27, st. (...) (...)

The automated operator for the system

mandatory insurance performs the following authority (paragraph

has been introduced by the Federal Act of July 1, 2011. N 170-FZ

Russian legislation, 2011, N 27, article 3881:

Organizes and (or) handles personal

data, of in the automated information system

mandatory insurance, compliance with

Russian Federation in goals

providing for the Federal Law

(Paragraph introduced by the Federal Act of 1 July 2011 N 170-FZ

The legislation of the Russian Federation, 2011, N 27, st.

3881);

takes organizational and technical measures for

or Random

access to them, destruction, changes, blocking, copying,

personal data distribution, and other illegal

actions (Paragraph was introduced by the Federal Act July 1, 2011). N

170-FZ-Legislative Assembly of Russian Federation Federation, 2011, N

27, art. 3881);

performs other authority, related targets

creating an automated information system

insurance (paragraph introduced by Federal Act of 1 July 2011 N

170-FZ -Collection of Russian legislation, 2011, N

27, Text (...) (...)

3-1. Persons who have the intention of concluding a mandatory contract

insurance, provides free access to:

(a) Insurers of tariffs

allowing the to compare

{ \cs6\f1\cf6\lang1024}Insurance Premio{ \cs6\f1\cf6\lang1024

}

{ \cs6\f1\cf6\lang1024

}

opinions from any of the insurers;

b) lost, stolen, stolen and

other insurance forms Mandatory insurance policies,

intended for authorized use

in) information, required for the factor,

part of insurance tariffs and

'b' of article 9, paragraph 2 of this Federal Law, Calculating

insurance premium.

(Paragraph 3-1 of the Federal Law of 21 July 2014 N

223-FZ -Collection of Russian legislation, 2014, N

30, article 4224)

3-2. Victims and Other of the road transport

incidents reported on existence of current contract

mandatory insurance in for a specific person and (or)

transport

The

insurer with which it is concluded.

On requests in written form of citizens, organizations,

public authorities and local governments

professional association of insurers within 30 calendar

days since this request is received information

about insurance, insurance in

insurance that does not contain personal data.

(Paragraph 3-2 of the Federal Law of 21 July 2014 N

223-FZ -Collection of Russian legislation, 2014, N

30, article 4224)

4. Information

and unified

technical checkout system

created

compliance with in technical examinations

transport tools, installed by the body

executive authority, trusted By the Russian

Federation (Paragraph 4 was introduced by Federal Law of 1 July 2011. N

170-FZ-Legislative Assembly of Russian Federation Federation, 2011, N

27, Text (...) (...)

5. Exchange Loss Loss

is implemented in an automated information system

Loss, of Automated

information of the insurance system that contains

cases, vehicles,

owners, about drivers vehicles, contracts

Mandatory Insurance, Insurers and Other

necessary for between insurersin

compliance with an agreement for direct damages (article 26-1

true Federal Law).

Collection and Processing Information

information damages line damages, organization

Calculations between insurers according to the Direct Agreement

damages, other required implementations

true of the Federal action law performs some

professional association of the legal person in

matches with functions and permissions

professional association of insurers.

(Paragraph 5 was introduced by the Federal Act of 1 July 2011. N 170-FZ

-Russian Law Assembly, 2011, N 27, st.

3881

6. Insured for Mandatory

insurance or changes to it must provide

personal data, owner's personal data

tools, in if is required

insurance provides control of the vehicle

drivers identified by drivers, -personal data of each

of these drivers.

An injured or beneficiary for for the insurance

payment or direct damages on required

insurance is required to provide personal data

case of harm to the of the victim of the beneficiary

must provide personal data other

benefits.

(Paragraph 6 was introduced by Federal Law July 2014 N

223-FZ -Collection of Russian legislation, 2014, N

30, article 4224)

7. Personal Data, Provisioning

6

true Federal Law, Mandatory Insurance Rules

and associated forms:

(a) the mandatory insurance statements;

insurance of the Civilinsurance policy

responsibility of vehicle owners;

in a document that contains the civilinsurance

liability of transport

mandatory insurance;

g) accident notification;

d) Help about an accident.

(Item 7 was introduced by the Federal by law July 21, 2014. N

223-FZ-Legislative Assembly of the Russian Federation Federation, 2014,

30, article 4224)

8. Insurer is not entitled to require personal

data, by the Federal and

s legal s

Bank of Russia regulations.

Subject's

statement information system operator required

insurance is not required.

(Item 8 was introduced by the Federal by the law July 21, 2014). N

223-FZ-Legislative Assembly of the Russian Federation Federation, 2014,

30, article 4224)

Article 31. International insurance systems

1. of the temporary use of the vehicle,

registered in Russian Federation

The

territory of the foreign in

international insurance systems, owner of this transport

funds must insure the risk of their civil liability

liabilities, resulting from causing harm in of life,

healthy or property of victims when using a transport

funds in the territory of a specified foreign state, for a term

vehicle transient, but at least

15 days, by with underwriter in

list, specified in 5 of this clause

Insurance of Civil owners of Transport

Tools in international insurance (in

Federal Law of July 2014 N 223-FZ -Collection

Laws of the Russian Federation, 2014, N 30, Art. 4224).

2. The

insurance coverage of liability insurance

vehicle owners, registered in the territories

foreign states and Tempore in

Russian Federation, should comply with legislation

Russian Federation on Insurance, Bank of Russia Regulations,

a

activity

professional association of insurers according to paragraph

9 of this article Federal Act of 23 July 2013 N

251-FZ -Collection of Russian legislation, 2013, N

30, st. 4084; of the Federal Act of 21 July 2014. N 223-FZ-

Legislation of the Russian Federation, 2014, N 30, st.

4224).

3. The

insurance coverage of liability insurance

owners of transport registered in Russian

Federation and Tempore territories

states, set a professional union

insurers in international systems

insurance in matches with and requirements

international systems (to the red. Federal Act of 21 July 2014.

N 223-FZ-Russian Federation Law Assembly, 2014, N

30, article 4224).

4. Coordination participation in professional

consolidating insurers international insurance

is implemented by the Bank of Russia. Federal Act of 23 July

2013 N 251-FZ-Assembly of Russian legislation,

2013, N 30, article 4084).

5. Insurer has the right to perform insurance operations

in international insurance systems if this

insurer is included in the list of insurers that perform operations

for insurance within the framework of international insurance systems. Maintenance

specified of the list professional is a union

Insurers (paragraph 5) introduced by Federal Law of July 21, 2014.

N 223-FZ-Russian Federation Law Assembly, 2014, N

30, article 4224).

6. For inclusion in list of insurers

operation for insurance within the framework of international insurance systems,

must:

(a) be a member of the professional association of insurers;

b) comply with professional requirements

union of insurers in the rules of professional

according to international insurance schemes;

in) make in current commitments

professional association of insurers according to paragraph

10 of this article, contribution to , equivalent to 500

is the Bank of Russia rate set on the day of payment.

(Item 6 was introduced by the Federal by the law July 21, 2014). N

223-FZ-Legislative Assembly of the Russian Federation Federation, 2014,

30, article 4224)

7. Insurers Insurers included in list

underwriters, of insurance operations

international insurance systems, are sent to Russia

30 calendar days for

specified list (paragraph 7 introduced by Federal Law from 21 July

2014 N 223-FZ-Assembly of Russian Legislation,

2014, N 30, 100 4224).

8. Professional Association of Insurers is obliged to post

list of Insurers s by in

international insurance systems in

Internet Information and Telecommunications Network (item 8 )

Fed by Law July 2014 N 223-FZ -Collection

Laws of the Russian Federation, 2014, N 30, Art. 4224).

9. The professional activity of the insurers and

its members within international insurance systems

true Federal Federal laws

and Installable

Rules

compliance with professional insurers

rules of professional activity containing requirements in

relation:

(a) Insurer included in the list of insurers

operations insurance international

insurance systems and excluding an insurer from the specified inventory;

b) and Insurers

professional insurers,

using current commitment fund;

in) limit (minimum and maximum) sizes of insurance

tariffs and how to apply them to the premium of the premium

tariffs, including premium rate premiums,

intended for for conclusion

insurance within international insurance systems

insurance premium order;

insurers for inclusion in insurers list

operations insurance international

insurance;

d of organizations that resolve requirements

arising out of international systems

insurance in the Russian Federation;

(e) Insurers of insurance contracts

international insurance systems locations

advertising services of specific insurers and (or) persons, effective from

their name, within the framework of international insurance systems;

rules for addressing the requirements in

insurance in the framework of international insurance systems.

(Paragraph 9 by Federal Law from 21 July 2014 g.} N

223-FZ -Collection of Russian legislation, 2014, N

30, article 4224)

10. targets before

insurance

members

professional

union of insurers to form a fund of current liabilities (item

10 by Federal Law of July 2014 N 223-FZ

Legislation of the Russian Federation, 2014, N 30, st.

4224).

(Article 31. Federal Act of 1 December 2007 N

306-FZ -Collection of Russian legislation, 2007, N

49, art. 6067)

Article 32. Control of vehicle owners ' performance

Insurance Property Tools

1. Control of by the owners of vehicles

Installed byFederal

Insurance is implemented by the police during registration and implementation

other permissions in for rules

road of traffic, and also normative legal acts in the area

to ensure road safety. Vehicle driver

is required to have the mandatory policy

insurance and pass for to police

authorized for Russian legislation

Federations (to the red. Federal Act of 7 February 2011 N 4-FZ-

Russian Federation Law Assembly, 2011, N 7, Art. 901;

Federal Law July 2011 N 170-FZ -

To

Laws of the Russian Federation, 2011, (...) (...)

Customs authorities control

Owners of

Federal Law of Duty on Insurance civilian

vehicles in Russian

Federation, The R2s

1 31 of this Federal Law,

vehicles from the Russian Federation to other states

in international insurance (paragraph

introduced by Federal Law from 30 December 2006 N 266-FZ

Russian Federation Law Assembly, 2007, N 1, Text 29;

to the red. Federal Act of 1 December 2007 N 306-FZ-Assembly

Laws of the Russian Federation, 2007, N 49, article 6067).

2. ( 2 expired by Federal Act)

December 30, 2006 n 266-FZ-Assembly of Russian Legislation

Federation, 2007, N 1, art. 29)

3. The Russian territory is prohibited in

use of vehicles whose owners failed

installed by the Federal duty

of the liability. Registration

specified vehicles are not run. Federal

The law of July 1, 2011 N 170-FZ - Legislation

Russian Federation, 2011, N 27, Art. (...) (...)

Article 33. On the entry into force of this Federal Law

1. This Federal Law takes effect from 1 July 2003

years, exceptions for in matches

This article provides for different dates of entry into force.

2. Provisions of this Federal Law provided for in

Relation of the Underwriter Association

to grant (license) to Insurers (licenses) for implementation

mandatory Civil owners

transport tools, day

publication of this Federal Law.

3. Items 1 and 2 2 of this Federal Law

takes effect July 1, 2003.

4. Chapter III and Article 27 of the Federal of the Law

takes effect July 1, 2004.

5. 1 January 2010 to December 31, 2012

including in if if is required

insurance difference between and underwriter

reporting period exceeds 5 percent of the specified revenues, amount

exceeding is sent by the insurer

stabilization mandatory insurance

target, calculated as

sum of 10% of the size of the incident, but undeclared

damages for mandatory insurance at the end of the reporting period and

positive difference between the leveling size of the reserve

mandatory insurance as at 31 December 2009 and 10

percentage of size of last but unclaimed loss by

mandatory insurance on December 31, 2009

multiplied remaining before December

quarters and divided by 12 (para. 5 by Federal Act)

February 28, 2009 N 30-FZ-Legislative Assembly Russian

Federation, 2009, N 9, article 1045).

6. In the size of the stabilization reserve by

mandatory insurance, formed on March 31, 2010 and

for subsequent periods to December 2012,

specified in of this limit

reproduces the adjustment

mandatory insurance in with the specified limit

{ { see also | Federal Law of February 28, 2009 } }

N30-FZ-Russian Federation Law Assembly, 2009, N

9, article 1045).

7. If specified in article 22, paragraph 2, of this Federal Act

law stabilization mandatory insurance

December 31

but unclaimed losses on compulsory insurance,

The

insurer resizes it to match the specified size

(Paragraph 7 was introduced by Federal Law of 28 February 2009. N 30-FZ-

Legislation of the Russian Federation, 2009, N 9, st.

1045).

Article 34. Harmonization of regulations in

compliance with this Federal Law

Russian Federation Russian Government

Federation to align its regulatory legal acts with

true Federal Law.

Moscow, Kremlin

25 April 2002

N 40-FZ