RUSSIAN FEDERATION FEDERAL LAW amending the Federal Act on Mandatory Liability Insurance of Owners of Vehicles " and Separate legislative acts of the Russian Federation adopted by the State Duma on 4 July 2014 Approved by the Federation Council on 9 July 2014 Federal Act dated 29.06.2015 N 155-FZ) Article 1 OF THE PRESIDENT OF THE RUSSIAN FEDERATION 1720; 2003, N 26, est. 2566; 2005, N 1, st. 25; N 30, est. 3114; 2006, N 48, sect. 4942; 2007, N 1, est. 29; N 49, sect. 6067; 2008, N 30, est. 3616; N 52, sect. 6236; 2009, N 1, sect. 17; N 9, est. 1045; N 52, sect. 6420, 6438; 2010, N 6, st. 565; N 17, est. 1988; 2011, N 1, sect. 4; N 7, est. 901; N 27, sect. 3881; N 29, st. 4291; N 49, sect. 7040; 2012, N 25, sect. 3268; N 31, sect. 4319, 4320; 2013, N 19, st. 2331; N 30, sect. 4084) the following changes: 1) to add the words ", as well as to insurance of civil liability of vehicle owners in the framework of international insurance systems in the territory of the Russian Federation The civil liability of vehicle owners to which the professional association of insurers is a party, acting under this Federal Act (hereinafter referred to as international insurance systems); 2) Art. 1: a) paragraphs 13 and 14 In the following wording: " Compensatory payments-payments made in accordance with this Federal Act in cases where the insurance payment under the compulsory insurance contract or the reimbursement of the insurer, the direct damages awarded under the direct compensation agreement concluded under article 26-1 of this Federal Act cannot be paid to the insurance payment account; representative of the Russian Federation (hereinafter referred to as the representative of the Russian Federation) (a subsidiary of the insurer) in the constituent entity of the Russian Federation; (or) direct damages, as well as for their implementation, or another insurer which has acceded to the direct damages agreement and acting on the basis of a contract concluded with the insurer of the contract Victims of insurance payments and their implementation on behalf of and on behalf of the insurer, The civil liability of the person who caused the injury and (or) the power to review the claims for direct damages and to make payments on behalf of and the insurer's insurance carrier the victim; "; b) to add the following paragraphs to the following paragraphs: " Refurbation of repair-a document confirming the right of the victim to repair his vehicle on the chosen victim by agreement Insurer of station maintenance station Technical Services, with which contracts have been concluded by the insurer establishing the obligation of the maintenance station to repair the victim's vehicle and the obligation of the insurer to pay for such repairs insurance benefit; settlement of claims arising from insurance under international insurance schemes-review of claims of victims, national associations of insurance organizations of other countries and other of insurance premiums in the international insurance system Compensation for damage caused by road traffic accidents by vehicle owners whose liability is insured under international insurance systems and, if no decision is taken as a result of such consideration refusal, payment or reimbursement to a person or persons who, in accordance with this Federal Act, require international insurance schemes, professional rules for professional activities Insurers ' associations have carried out this insurance benefit. "; (3) In article 4: a) in paragraph 3: , in subparagraph (d) of the words " the civil liability of the owners of vehicles to which the professional association of the insurers is a party, acting in accordance with this Federal Law (hereinafter referred to as the international insurance system) "delete; to supplement subparagraph (e) with the following: " (e) vehicles without wheelers (vehicles in construction which are applied in the tracked, semi-tracked, slit and other non-wheelers (prop.s) and trailers to them. "; (b) paragraph 1 of the first paragraph, add the following sentence:" At the same time, the harm caused to the life or health of the victims shall be compensated in the amount of not less than the dimensions defined in in accordance with article 12 of this Federal Law, and according to the rules of this article. "; in), add the following addition to paragraph 7: " 7. The obligation to ensure the civil liability of the owners of trailers to vehicles, except for the citizens of trailers to cars, is fulfilled by the conclusion of the compulsory insurance contract, which provides for the possibility of driving a vehicle with a trailer, information on which is entered in the compulsory insurance policy. "; 4) Article 5, paragraph 2, subparagraph (d), after the word" reparation ", add "Insurer"; 5) article 6, paragraph 2 (l) power; 6) in article 7: (a) in subparagraph (a) replace "not more than 160 thousand rubles" with "500 thousand rubles"; b) in subparagraph (b) of the word "several victims, not more than 160 thousand rubles" substitute "every victim, 400,000 roubles"; (c) the subparagraph "in" to recognize the invalid force; 7) Article 8 should read as follows: " Article 8. Regulation of insurance tariffs for mandatory insurance 1. Regulation of insurance tariffs on compulsory insurance is carried out by the establishment of the Bank of Russia in accordance with this Federal Law of actuarno (economically) justified limit amounts of the basic rates of insurance rates (their minimum and maximum values expressed in rubles) and the rates of insurance rates, the requirements for the structure of insurance tariffs and the manner in which they are used by the insurers in determining the insurance premium under the compulsory insurance contract. The premium rate for insurance and compensation payments cannot be less than 80 per cent of the premium. 2. Insurance rates on compulsory insurance and the structure of insurance tariffs are determined by the insurers, taking into account the requirements established by the Bank of Russia in accordance with paragraph 1 of this article. 3. The period of validity of fixed insurance rates cannot be less than one year. The change in insurance rates does not entail a change in the insurance premium paid by the insurer at the time of payment of the insurance tariffs, under the compulsory insurance agreement during the period of its validity. If, in accordance with the rules of compulsory insurance, the insurer is entitled to claim the payment of an additional insurance premium against the insured person, the amount of the additional insurance premium paid shall be determined in accordance with the applicable insurance premiums. The date of payment of the insurance tariffs. 4. Full or partial compensation for certain categories of insured persons paid or to be paid by them by raising insurance rates for other categories of insured persons is not permitted. 5. Annual statistics on compulsory insurance, including the amount of insurance premiums collected and insurance payments made, the number of insured events and the number of insured events, the level of insurance payments in the Russian Federation The Federation and the constituent entities of the Russian Federation, as well as the level of the loss of compulsory insurance, are to be officially published by the Bank of Russia. "; 8) in article 9: (a) in the first paragraph of paragraph 1 of the words" as a work of the basic rates and the rates of insurance " " Insurers as a product of basic rates and insurance rates according to the manner in which insurance premiums were used by insurers to determine the compulsory insurance premium under the compulsory insurance contract, In accordance with Article 8 of this Federal Law Bank of Russia, in paragraph 2: in subparagraph (a) of the word "for legal persons-at the place of registration of the vehicle", replace the words "for legal entities". persons, their branches or offices, at the location of the legal the person, its branch or representation specified in the constituent instrument of the legal person "; to add the following: to (-1) the presence of an obligatory insurance clause in the contract of compulsory insurance Control of the vehicle with its trailer; "; ) in paragraph 5, replace" reference rates and coefficis "with" base rates and/or factors "; , paragraph 6, amend to read: " 6. Insurers are not entitled to apply the basic rates, the rates of insurance tariffs, the structure of insurance tariffs, which do not meet the requirements established by the Bank of Russia in accordance with Article 8 of this Federal Law. The insurance rates established under this Federal Act are binding on the insurers of each insured person. The Bank of Russia is responsible for the correctness of the calculation of insurance premiums by the insurance premiums under the compulsory insurance contracts. "; 9) Article 10 is supplemented with paragraph 4 as follows: " 4. On early termination of the compulsory insurance contract in the cases stipulated by the compulsory insurance rules, the insurer returns part of the insurance premium in the amount of the share of the insurance premium to be implemented insurance payments and the unexpired term of the contract of compulsory insurance or the unexpired date of the seasonal use of the vehicle. "; 10) in article 11: (a) paragraph 3, in addition to the words" and on time, Rules of compulsory insurance, to be sent to the insurer A statement of insurance benefit and the documents required by the compulsory insurance rules "; b), paragraph 4 should read as follows: " 4. In the event of damage to the victim's life as a result of a traffic accident, the provisions of this Federal Act concerning victims shall apply to persons who are entitled under this Federal Law to Reparation for injury in the event of the death of the victim (beneficiaries). "; in), in paragraph 5, the words" provided for in paragraph 8 of this article "shall be replaced by the words" provided for in article 11-1 of this Federal Law "; g) 8-11 to be repealed; 11) to supplement articles 11 to 1 , to read: " Article 11-1. { \cs6\f1\cf6\lang1024 } { \cs6\f1\cf6\lang1024 } Events { \cs6\f1\cf6\lang1024 } { \cs6\f1\cf6\lang1024 } { \b } { \b } { \b The documents on the accident without the participation of the police officers are carried out in accordance with the procedure established by the Bank of Russia in the case of the following circumstances: (a) as a result in the case of a road accident, only to the vehicles referred to in subparagraph "b" of this paragraph; b) the accident occurred as a result of the interaction (collision) of two vehicles (including vehicles with trailers), Liability of the owners of whom is insured under this Federal Law; in) the circumstances of the injury due to damage to vehicles as a result of a road accident, character and The list of visible damage to vehicles does not cause a difference of road accident participants and is recorded in the accident notification, which has been filled by drivers involved in road traffic accidents. of vehicles in accordance with the rules of compulsory insurance. 2. In the event of an accident document being processed without the participation of police officers authorized by the police, a traffic accident form filled in in two copies by the drivers involved in the accident Vehicle accidents are sent by these drivers to insurers who have insured their civil liability within five working days from the day of the accident. The victim shall submit to the insurer who insure his civil liability its copy of the jointly filled-out accident notification form together with the statement of direct damages. 3. In the case of a vehicle accident document without the participation of police officers involved in the accident, the insurers referred to in paragraph 2 of this article shall be required to submit the vehicles for inspection and (or) independent technical expertise within five working days of the date of receipt of the claim. To enable inspection and (or) independent technical expertise of vehicles involved in an accident, in case of an accident document without participation In the case of a police officer, the owners of the designated vehicles, without the written consent of the insurers referred to in paragraph 2 of this article, shall not commence their repair or disposal before the expiry of 15 calendar years. Days, except for public holidays, from the day of incidents. 4. In the case of a document on a road accident without the participation of the police officers, the amount of insurance payable to the injured person cannot be paid to the victim. 50,000 rubles ($1,000) 5. In case of the registration of documents on the accident in the territory of the cities of Moscow, St. Petersburg, Moscow Oblast, Leningrad region, without the participation of police officers The limitation of the amount of the insurance covered by paragraph 4 of this article shall not apply and the insurance benefit shall be paid to the victim within the insurance amount set out in article 7, subparagraph (b), of this Federal Law, Conditions for the submission of the data on the circumstances of the injury to the insurer a vehicle as a result of an accident, which is recorded by means of technical controls which provide for the unadjusted registration of information (photo or video recording of vehicles and their injuries on the vehicle). The location of the accident, as well as the data recorded using GLONASS or GLONASS navigation technology with other global satellite navigation systems). 6. In the case of an accident document without the participation of police officers, the insurer must be provided with data on the circumstances of the injury to the vehicle as a result of the incident. of an accident which is recorded by means of technical controls which provide for the unadjusted registration of information (photo or video recording of vehicles and their damage in the field of road transport incidents, as well as data recorded in the use of navigation aids, working with GLONASS or GLONASS technology with other global satellite navigation systems). 7. Requirements for technical controls, information on the accident and the manner in which such information is to be provided to the insurer, which ensures that the insurer receives uncorrected road traffic information OF THE PRESIDENT OF THE RUSSIAN FEDERATION 8. A victim who has received an insurance payment under this article shall not have the right to impose additional claims on the insurer for damage caused to his vehicle as a result of an accident, documents on in accordance with this article. The victim has the right to apply to the insurer who insure the civil liability of the person causing the injury to the claim for injury caused to life or health after the submission of the claim for damages An insurance benefit that the victim was not aware at the time of the claim for damages caused to his vehicle. "; 12) Article 12 should read: Article 12. Determine the size of an insurance benefit and how to implement it 1. The injured party has the right to present to the insurer a claim for damages caused to his life, health or property in the use of the vehicle, within the limits of the insured amount established by this Federal Law, by presenting Insurer of the claim for the payment or direct compensation of damages and documents stipulated in the rules of compulsory insurance. An insurance claim for harm to the life or health of the victim is sent to the insurer who insured the civil liability of the person who caused the injury. An insurance claim for damage to the property of the victim is sent to the insurer who has the civil liability of the person causing the injury, and in the cases provided for in article 14, paragraph 1, of this Federal The law, the insurer who insure the civil liability of the victim, is sent an application for direct damages. A victim's statement containing a claim for the payment or direct compensation of damages caused by the infliction of damage to his life, health or property in the use of the vehicle, with the attached documents, The required insurance rules are sent to the insurer in the place of the insurer or the representative of the insurer authorized by the insurer to review the said claims of the victim and to make insurance payments or direct damages. The location and postal addresses of the insurer, as well as all representatives of the insurer, the means of communication with them, and the time of their work shall be included in the list of representatives of the insurer which is an application to the insurance carrier. policy. If there is insufficient proof of the occurrence of an insurance event and the size of the insurer to be compensated by the insurer, the insurer within three working days from the day of receipt by mail, and in the personal application to the insurer On the day of the application for insurance or direct damages, the victim is required to inform the victim of the complete list of missing and/or incorrect documents. The exchange of the necessary insurance documents for the verification of the victim's desire may be made in electronic form, which does not exempt the victim from submission to the insurer of documents in writing The insurance payment at the location of the insurer or the representative of the insurer. The Insurer is required to ensure that the applicant's submission in the form of an electronic document is reviewed and a response is sent within the period agreed upon by the applicant with the insurer, but not later than three working days from the date of receipt Access. Insurer is not entitled to require the victim to submit documents not covered by the compulsory insurance rules. 2. The insurance payment due to the victim for damage to his or her health resulting from the accident is carried out in accordance with this Federal Act for the reimbursement of expenses related to the restoration of health. The victim and his/her lost earnings (income) in connection with the damage to health caused by the accident. The insurance payment for damage to the health of the victim is carried out by the insurer on the basis of documents issued by the police officers, and evidence of a road accident and medical documents submitted by medical organizations that provided medical assistance to the victim in the event of an accident, indicating the nature and extent of the damage to health The victim. The amount of the insurance payment in terms of compensation of the necessary expenses for the restoration of the victim's health is determined in accordance with the regulations and in accordance with the procedure established by the Government of the Russian Federation, depending on the nature and extent of the insurance. damage to the health of the victim within the limits of the insured amount set out in article 7, subparagraph (a), of this Federal Law. Information on the number of the insurance policy and the name of the insurer which insured the civil liability of the owner of the vehicle responsible for the accident is reported to the pedestrian affected by such an accident. of a traffic accident or his representative on the day of the incident at the police station, the officers of which were in the process of drawing up documents on such a traffic accident. 3. After implementation in accordance with paragraph 2 of this article, the insurance benefit is paid to the victim for damage by the insurer, in the following case: (a) if the result is A medical examination or study, including by the institutions of forensic medical examination in the case concerning the administrative offence, the criminal proceedings and the victim's request, found that The nature and extent of damage to the victim's health corresponds to more The amount of the insurance benefit was determined on the basis of the standards set by the Government of the Russian Federation. The amount of an additional insurance payment is determined by the insurer as the difference between the amount to be paid in accordance with the established nature of the damage to the victim's health in the expert opinion he has submitted, and earlier under paragraph 2 of this article an insurance payment for injury to the health of the victim; b) if, as a consequence of harm caused to the health of the victim as a result of a traffic accident, Medical and social assessment results for the victim A group of persons with disabilities or a category of "disabled child". The size of an additional insurance payment is determined by the insurer as the difference between the amount to be paid in accordance with the medical and social expertise of the disability group or the category "disabled child" in accordance with the The standards set by the Government of the Russian Federation and previously carried out in accordance with paragraph 2 of this article by insurance payment for injury to the health of the victim, 4. In case of additional costs incurred by the victim for the treatment and repair of the injured person's health (medical rehabilitation costs, purchase of drugs, prosthetics, orthostics, extraneous care, sanatorium-resort treatment and other expenses) and lost to the injured person due to damage to his health as a result of the accident (income) exceeded the amount pursuant to paragraphs 2 and 3 of this article The insurance benefit, the insurer shall reimburse such expenses and loss of earnings (income) as evidence that the victim required these types of assistance, and documentary evidence of the amount of the lost earnings (income), which The victim had or could certainly have been at the time of the accident. The size of the insurance premium under this paragraph is determined by the insurer as the difference between the lost earnings (income) and the additional costs supported by the documents The rules of compulsory insurance and the total amount of insurance paid pursuant to paragraphs 2 and 3 of this article for causing harm to the health of the victim. 5. The insurance payment of the lost earnings of the victim (income) is effected in a single or other manner, established by the rules of compulsory insurance. The aggregate amount of the insurance premium for injury to the health of the injured person in accordance with paragraphs 2 to 4 of this article may not exceed the insurance amount set out in article 7, subparagraph (a), of this Federal Act. of the law. The insurance payment for injury to the health of the victim shall be effected to the victim or persons who are the representatives of the victim and whose authority to receive the insurance payment is duly certified. 6. In the event of the victim's death, persons entitled under civil law to compensation for the death of the breadwinner are entitled to compensation, in the absence of such persons-the spouse, parents, children of the victim, the citizen, that the victim was a dependent if he had no independent income (beneficiaries). 7. The amount of the insurance premium for causing harm to the victim's life is: 475 thousand roubles-beneficiaries specified in paragraph 6 of this article; no more than 25 thousand roubles for burial expenses- Persons who have incurred such expenses. 8. Insurer within 15 calendar days, with the exception of non-working days, from the date of acceptance of the first claim for compensation for damage caused to the victim's life as a result of an insurance event, accepts Insurance payments and statutory insurance rules from other beneficiaries. Within five calendar days, with the exception of non-working days, after the end of the said period of acceptance of applications from persons entitled to compensation in the event of the death of the victim, the insurer shall make an insurance payment. The insurance benefit set out in the second paragraph of paragraph 7 of this article shall be equally divided among persons entitled to compensation in the event of the death of the victim. The insurance payment for damages to the victim's life is carried out in a single time. A person entitled to compensation in the event of the death of the victim as a result of an insurance event and a claim for an insurance benefit after the insurance payment has been made in respect of the insured event Between persons entitled to compensation in the event of the death of the victim, the person is entitled to claim the return of the part of the insurance due under this Federal Act or to claim damages from the person, causing harm to the life of the victim as a result of the insured event, under civil law. 9. The victim or beneficiary is required to furnish all documents and evidence to the insurer and to furnish all known information confirming the extent and nature of the damage to the victim's life or health. 10. In the case of damage to property in order to ascertain the circumstances of the injury and to determine the extent of the damages to be compensated by the insurer, the victim, intending to avail himself of his right to an insurance payment or direct damages, 5 working days from the date of application for insurance benefit and accompanying documents under the rules of compulsory insurance shall submit the damaged vehicle or its residual for inspection and (or) of an independent technical examination conducted in accordance with the procedure established by article 12-1 OF THE PRESIDENT OF THE RUSSIAN FEDERATION If the examination and (or) independent technical expertise, independent assessment (assessment) of the injured vehicle, other property or its residues presented by the victim do not permit a reliable assessment of the existence The insured event and the amount of damages to be compensated under the compulsory insurance contract for clarification of the said circumstances of the insurer within 10 working days of submission of the insurance claim to the right inspect the vehicle using which The property of the victim was damaged, and (or) at its own expense, to arrange and pay for independent technical expertise in respect of the vehicle in accordance with the procedure established by article 12-1 of this Federal Law. The owner of the vehicle in which the property of the victim was injured is required to provide the vehicle at the request of the insurer. If the nature of the damage or feature of the damaged vehicle, other property excludes its presentation for inspection and independent technical expertise, independent assessment (assessment) at location An insurer and (or) an expert (e.g. damage to a vehicle excluding his participation in a road traffic) is indicated in the statement and the inspection and independent technical expertise, independent expertise (assessment) is carried out at the place of finding of the damaged property within a period of not more than five workers days from the day of the application for insurance and its accompanying documents in accordance with the rules of compulsory insurance of documents. 11. Insurer is required to examine the damaged vehicle, other property or its remains and (or) arrange their independent technical expertise, independent expertise (assessment) for a period of not more than five working days from the date of submission Victims of damaged property to be examined and examined by the victim with the results of the examination and independent technical expertise, independent assessment (assessment), unless the time limit is agreed by the insurer with the victim. An independent technical examination or independent review (assessment) is organized by the insurer in the event of a contradiction between the injured party and the insurer relating to the nature and list of the apparent damage to property and (or) circumstances Causing damage caused by damage to property as a result of an accident. In case of failure to submit the damaged property or its remains for inspection and (or) independent technical expertise, independent expertise (assessment) to the date agreed upon by the insurer, the insurer negotiates with The new date of the examination and (or) independent technical expertise, independent expert examination (assessment) of the damaged property or its residues. In this case, in the event that the victim fails to comply with the obligations set out in paragraphs 10 and 13 of this article, submit the damaged property or its remains for inspection and (or) independent technical expertise, independent review (assessment) The insurer's decision to pay the insurance benefit, as determined in accordance with paragraph 21 of this article, may be extended for a period not exceeding the number of days between the date of submission of the injured property or its residues, and and (or) independent technical expertise agreed with the victim, independent expertise (assessments), but not more than 20 calendar days, except for public holidays. The compulsory insurance contract may provide for a different time period within which the insurer is required to arrive for the examination and/or independent technical expertise, independent review (assessment) of the damaged property or its property. In the event of their being held in hard-to-reach, remote or sparsely populated areas. 12. In the event that the insurer has examined the damaged property or its remains, the insurer and the victim agree on the amount of the insurance payment and do not insist on the organization of independent technical expertise or independent review. (b) Expertise (estimate) of damaged property or its residues, no examination. 13. If, after a review by the insurer of the damaged property or its remnants, the insurer and the victim have not reached an agreement on the amount of the insurance payment, the insurer is obliged to organize independent technical expertise, independent expert examination (an estimate) and the victim to provide the damaged property or its remnants for independent technical expertise, independent expertise (assessment). If the insurer has not examined the damaged property or its remains and (or) has not conducted an independent technical expertise, independent expert examination (assessment) of the damaged property or its residues under paragraph 11 of this report. The victim is entitled to apply for a technical examination or examination by an expert (an assessment). In such a case, the results of an independent independent technical examination by the victim, independent expert examination (s), are taken by the insurer to determine the amount of the insurance payment. 14. The cost of independent technical expertise, independent assessment (s) on which the insurance benefit is based is included in the damages payable by the insurer under the compulsory insurance contract. 15. Compensation for damage caused to the victim's vehicle may be made by: by organizing and paying for the repair of the damaged vehicle of the victim at the maintenance station, which chosen by the victim in agreement with the insurer under the compulsory insurance rules and with which the insurer has concluded a contract (compensation of damage in kind); by issuing the amount of the insurance benefit to the victim (beneficiary) at the insurer's office or transfer of the amount Insurance payments to the bank account of the victim (beneficiary) (cash or non-cash payment). If an insurer has a contract with a maintenance station, the victim will choose the method of compensation for the injury. 16. Compensation for damage caused by a non-vehicle to the property of the victim shall be made in accordance with the procedure established by paragraph 3 of paragraph 15 of this article. 17. In the event of performance of the insurer's obligation to repair the vehicle in the manner prescribed by paragraph 15 of this article, the injured party in the application for insurance or direct compensation loss indicates compensation for damage caused to his vehicle in kind and also agrees to the possible extension of the vehicle repair period due to objective circumstances, including components (parts, nodes and (...) (...) Within 20 calendar days, with the exception of non-working holidays, from the date of receipt of an application for an insurance payment containing an indication of the compensation of the injury caused to the vehicle, in kind, the insurer shall issue a claim to the victim Direction for repair, which indicates the maintenance station on which the vehicle will be repaired and which the insurer will pay to repair the vehicle of the victim. The victim has the right to select a service station from the list of maintenance stations offered by the insurer. A list of the technical service stations with which the insurer has concluded contracts is placed by the insurer on its official site in the Internet and telecommunications network of the Internet and is kept up-to-date. The procedure for resolving issues related to the detected hidden vehicle damage caused by an insurance event is determined by the technical service station in agreement with the insurer and with the victims and shall be indicated by the maintenance station when receiving the vehicle from the victim in the direction of repair or in another document issued to the victim. The procedure for resolving issues of repair not related to an insurance case is determined by the technical service station in agreement with the victim and is indicated by the maintenance station in the document issued by the Victim at the time of the reception of the vehicle for repair. In the direction of repairs to the insurer, it shall be indicated the possible amount of surcharge made by the technical service station to the victim for the repair under paragraph 2 of paragraph 19 of this article. Obligations of the insurer for the organization and payment for the repair of the vehicle of the injured person, adopted by them under paragraph 2 of paragraph 15 of this article, shall be deemed to be fulfilled by the insurer as appropriate The time of receipt of the victim from the repaired vehicle. Responsibility for failure to maintain a service station for the time of transfer to the victim of the repaired vehicle, as well as for the breach of other obligations for the refurbishment of the vehicle The victim is under the authority of the insurer who has given the repair direction. The provisions of this Federal Act concerning the implementation of the insurance benefit shall apply to the performance of the obligation of the insurer to make reparation for the injury caused to the vehicle of the victim, in the order in which it occurred. Paragraph 15, second paragraph, of this article, if not otherwise provided by this Federal Law and does not derive from the substance of such relations. 18. The amount of damages to be compensated by the insurer for damage to the property of the victim is determined by: (a) in the event of the total loss of property of the victim, in the amount of the actual value of the property on the day of the insurance attack A case, less the value of the remaining balance. A complete death is the case in which repair of damaged property is not possible, or the cost of repair of damaged property is equal to the value of the property on the date of the occurrence of the insured event or exceeds the specified value; b) in the event of damage to the property of the victim, in the amount of the expenses necessary to bring the property to the state it was in prior to the occurrence of the insured event. 19. The expenses referred to in paragraph 18 (b) of this article also include the costs of materials and spare parts required for refurbishment, the cost of the repairs. The size of the spare parts (including in the case of compensation for damage caused in the manner provided for in paragraph 15, paragraph 2, of this article) is determined by the obsoleting of the component parts (parts, components and aggregates), to be replaced during the repair. At the same time, the specified components (parts, nodes and aggregates) cannot be depreciated over 50 per cent of their value. The costs of materials and spare parts required for the refurbishment of the vehicle, the cost of such repairs and the value of the surplus balances are determined in accordance with the procedure established by the Bank Russia. 20. Insurer denies the victim in the insurance payment or part thereof if repair of damaged property or disposal of its remains carried out prior to inspection by the insurer and/or of independent technical expertise, independent expert examination (estimates) of the damaged property in accordance with the requirements of this article, make it not possible to ascertain the existence of an insurance case and the extent of the damages payable under the compulsory insurance contract. 21. Within 20 calendar days, with the exception of non-working days, from the date of acceptance of the victim's application for insurance benefit or direct damages to the documents annexed to it insurance, the insurer is obliged to make an insurance payment to the victim, or to provide him with the direction of repair of the vehicle, specifying the period of repair, or to provide the victim with a motivated refusal of the insurance payment. A failure to comply with the time limit for the payment or compensation of the damage caused in kind is paid by the insurer for each day of delay; the penalty is one per cent of the penalty determined in accordance with the law. This is a federal law of the size of the insurance payment for the type of harm caused to each victim. If the time limit for the victim is not respected, the insurer pays the victim with a financial penalty of 0.05 per cent of the established financial penalty for each day of delay. The present Federal Law of the Insurance amount, by type of injury caused to each victim. The penalty imposed by this paragraph (penalty) or the amount of the financial penalty in case of failure to comply with the time limit for the insurance payment or the period of submission of a motivated denial of the insurance payment shall be paid to the injured party. on the basis of his application for payment of such penalty (s) or the amount of such financial sanction which specifies the form of calculation (cash or non-cash) and bank details of such penalty (s) or the amount of such a penalty financial sanctions must be paid in the event of choice by the victim of the form of the calculation, and the insurer is not entitled to require additional documents to be paid. The Bank of Russia is monitoring the implementation of insurance payments by insurers. In the event that the insurer does not comply with the time limit for the payment of the insurance payment or the direction of a motivated refusal, the Bank of Russia shall issue an order to the insurer to carry out the duties set out in this article. Before a full determination of the amount of compulsory insurance to be compensated by the injured party, upon application by the injured party, the insurer is entitled to make a portion of the insurance payment corresponding to the actual part of the claim harm. 22. If all participants in the accident are found responsible for the damage caused, the insurers shall make insurance payments for the damage caused by such an accident, taking into account The degree of guilt of persons whose civil liability is insured by the court. Insurers make an insurance contribution to compensation for harm caused to the injured party by a number of persons, commensurate with the degree of guilt of the persons whose civil liability is insured by the court. At the same time, the victim has the right to make a claim for insurance compensation for the injury suffered by any of the insurers who have insured the civil liability of the persons who caused the damage. The Insurer, which has caused injury to several persons, has the right of recourse under civil law. In the event that the degree of fault of the participants in a road accident is not established by the court, the insurer's civil liability insurance is under the responsibility of the present Federal Law for the compensation of the injury, as a result of such an accident, in equal shares. 23. A person who has placed the injured in harm caused by an insurance event has the right of claim against the insurer who has insured the civil liability of the victim in the amount determined in accordance with this Federal Law, within the amount paid. The implementation of the transferred right is carried out in accordance with the legislation of the Russian Federation, subject to the provisions of this Federal Act regulating the relations between the injured and the insurer. From the person who caused the injury, the amount of the portion of the claim remaining unsatisfied under this Federal Law may be recovered. 24. The rules established by this Federal Law for the relationship between the victim and the insurer in relation to the implementation of insurance are applied to the relationship between the victim and the insurer in respect of direct compensation of damages by analogy. Payments. The relevant provisions shall be applied to the extent that otherwise provided by this Federal Law and does not derive from the substance of such a relationship. 25. The insurer is exempt from the obligation to make an insurance payment in the cases provided for by the law and/or the compulsory insurance contract. The cases provided for in article 14, paragraphs 1 and 2, of this Federal Act may not be the basis for refusing or delaying the insurance payment by the insurer. "; 13. table of contents: " Article 12-1. Independent technical expertise of the vehicle 1. In order to establish the circumstances of the injury to the vehicle, damage to the vehicle and its causes, technology, methods and the cost of its refurbishment, an independent technical examination shall be carried out. 2. An independent technical examination is conducted according to the rules approved by the Bank of Russia. 3. An independent technical examination is conducted using a common methodology for determining the cost of repairs to the damaged vehicle, which is approved by the Bank of Russia and contains, inter alia: (a) The procedure for calculating the cost of materials, spare parts, repair costs; b) the calculation of the wear and tear of replacement parts to be replaced (parts, assemblies, aggregates), including component parts (parts, units), on that, when calculating the cost of the refurbishment, is set to zero for wear; (c) the order for the calculation of the cost of the full balance in the event of the total loss of life; g) reference data on average annual vehicle mileage; d) the procedure for the formation and approval of the reference books for the average cost of spare parts, materials and normo in determining the cost of refurbishment in relation to of a damaged vehicle, taking into account the established regional boundaries commodity markets (economic regions). 4. An independent technical examination of vehicles is carried out by an expert technician or an expert organization with at least one expert technician. The requirements for expert equipment, including requirements for their professional certification, the grounds for its cancellation, and the procedure of maintaining the State Register of Technical Experts shall be established by the authorized Government of the Russian Federation. The Federation is a federal executive. 5. Technology experts are responsible for the lack of results of their independent technical expertise of vehicles. Losses caused by the expert equipment due to the submission of false independent technical expertise shall be reimbursed by the expert in full. 6. Forensic examination of a vehicle appointed in accordance with the legislation of the Russian Federation in order to determine the amount of the insurance payment to the victim and/or the cost of the refurbishment of the vehicle within the framework of The contract of compulsory insurance shall be carried out in accordance with the common methodology for determining the cost of restoration repair of the damaged vehicle, approved by the Bank of Russia, and taking into account the provisions of this article. articles. "; 14) Article 13 recognizes no force; 15) Article 14 should read: " Article 14. The right of recourse by the insurer to the person who caused the injury 1. The insurer who paid the insurance proceeds to claim the victim's claim to the injured person in the amount of the injured insurance benefit, if: (a) the person's loss of life was caused by the loss of life or the health of the victim; b) the injury was caused by the person in the driving of a vehicle in a state of intoxication (alcohol, drug or other); (c) the person in question was not entitled to control the transport The means by which they were injured; The specified person fled the scene of the accident; d) the specified person is not included in the contract of compulsory insurance as a person authorized to manage the vehicle (when the contract is concluded) compulsory insurance only specified in the contract of compulsory insurance of drivers); (e) insurance occurred when used by the said person of the vehicle in the period under the contract of compulsory insurance (in conclusion) A compulsory insurance contract with the condition of the use of the vehicle during the period covered by the compulsory insurance contract); g) the person in question in the case of the registration of an accident document without The participation of the police commissioners did not send to the insurer who insured his civil liability, a copy of the accident notification form with the victim within five working days with the victim. Crash Day; z) up to The end of 15 calendar days, except for public holidays, from the date of the accident to the person concerned in the event of the issuance of an accident document without the participation of police officers commenced the repair or disposal of the vehicle in which it was used, and (or) did not submit, at the request of the insurer, the vehicle for inspection and (or) independent technical expertise; and) expired when the insured event occurred of a diagnostic card containing information about the conformity of the vehicle with the mandatory safety requirements of vehicles, taxis, buses or a truck designed and equipped for the carriage of passengers, The number of seats is more than eight (except for the driver's seat), a specialized vehicle designed and equipped for the carriage of dangerous goods. 2. Insurer has the right to bring a claim in the amount of the insurance payment made to the operator of the technical inspection which issued a diagnostic card containing information about the conformity of the vehicle with the mandatory requirements safety of vehicles, if the accident occurred as a result of a vehicle failure and such a failure is detected or may have been identified at the time of the technical inspection by the technical inspection operator, but it was not included in the diagnostic card. 3. The insurer is entitled to request the persons referred to in paragraphs 1 and 2 of this article to recover the costs incurred in the consideration of the insured event. 4. The provisions of this article shall apply to cases of compensation for damage caused to the property of the victim as a result of a traffic accident, by an insurer who has insured his or her civil liability, taking into account the circumstances of the accident, As set out in article 14-1 of this Federal Law. "; 16) in article 14-1: (a), paragraph 1 should read: " 1. The victim presents a claim for compensation for damage to his property to the insurer who has insured the civil liability of the victim in the event of one of the following circumstances: a) as a result in the case of a road accident, only to the vehicles referred to in subparagraph "b" of this paragraph; b) the accident occurred as a result of the interaction (collision) of two vehicles (including vehicles with trailers), The liability of the owners of whom are insured under this Federal Act. "; b) in paragraph 3 of the word" compensation for damage caused to life or health arose after the submission of the claim for insurance payment " Replace the words "with a claim for compensation for harm caused to life or health that arose after the claim for direct damages"; in paragraph 4, amend to read: " 4. Insurer, who has insured the victim's civil liability, indemnies the damage caused to the property of the victim on behalf of the insurer who has insured the civil liability of the person who caused the damage (exercised "Direct damages", in accordance with article 26-1 of the present Federal Act for direct compensation of damages in the amount determined in accordance with article 12 of this Federal Act. In the case of an insurer who insure the civil liability of the victim, the provisions of this Federal Act are applicable in the case of a claim for direct damages. The insurer to whom an insurance claim has been issued. "; , paragraph 5, amend to read: " 5. Insurer, who has insured the civil liability of the injured person, is required to reimburse the insurer for the compulsory insurance against the insurer who has made direct damages to the injured person. In accordance with article 26-1 of this Federal Act, the direct damages agreement. "; , paragraph 6, amend to read: " 6. In the event of the exclusion of the insurer who insures the civil liability of the person who caused the damage directly from the agreement on direct damages or the introduction of such an insurer in accordance with the laws of the Russian Federation, In the case of bankruptcy, or in the event of the withdrawal of the insurance licence, the insurer who has made direct damages shall be entitled to claim compensation from the professional association of the insurers Payment of benefits in the amount determined by the direct reimbursement agreement in accordance with article 26-1 of this Federal Law. "; (e) to supplement paragraph 7 with the following: " 7. Insurer who has insured the civil liability of the person who caused the damage and has reimbursed the insurer under the contract of compulsory insurance to the insurer who carried out the direct compensation for the loss suffered by the injured party, The cases provided for in article 14 of this Federal Law have the right to claim the person who caused the injury in the amount of the compensation to the injured person. "; .) to supplement paragraph 8 with the following: " 8. Professional Association of Insurers, which reimbursed the insurer for compensation under the contract of compulsory insurance to the insurer who had made direct damages to the injured party under article 14 This Federal Act has the right to claim the person who caused the injury in the amount of the compensation to the injured person. "; z) to supplement paragraph 9 with the following: " 9. A victim who is entitled under the present Federal Law to claim compensation for damage to his property directly to the insurer who has insured the civil liability of the victim in the event of In accordance with the law of the Russian Federation, the attitude of such an insurer in the bankruptcy case, or in the case of revocation of the licence to carry out insurance activities, presents the claim for the insurance payment The insurer who insured the civil liability of the person, ";"; 17) in article 15: (a), add the following sentence: " In the case of a contract of compulsory insurance in the form of an electronic document, the provision of documents by the policyholder, paragraph 3 (b) is not required. Insurers shall have access to the information contained in these documents by exchanging information in electronic form with the appropriate authorities and organizations. "; (b) paragraph 7 should read: " 7. At the conclusion of the compulsory insurance contract, the insurer presents to the policyholder, which is the document certifying the implementation of the compulsory insurance, or issues the person who applied to it for the conclusion of the contract of compulsory insurance. Insurance, motivated by a refusal in writing about the impossibility of concluding such a contract, which also informs the Bank of Russia and the professional association of the insurers. Insurer, not later than one working day from the date of the compulsory insurance contract, shall provide the particulars referred to in the statement of the contract of compulsory insurance and (or) submitted in the conclusion of the contract, in An automated information system of compulsory insurance established under Article 30 of this Federal Law. The insurance policy form of compulsory insurance is a document of strict accountability. In the case of a contract of compulsory insurance in the form of an electronic document, the insurance policy is sent to the policyholder in the form of an electronic document. "; in) to supplement paragraph 7-1 with the following content: " 7-1. Insurer controls the use of insurance policy forms of compulsory insurance by insurance brokers and insurance agents and is responsible for their unauthorized use. For the purposes of this Federal Act, the unauthorized use of insurance forms of insurance policies is the exchange of a blank or completed insurance form for the owner of the vehicle. The funds are not reflected, in accordance with the established procedure, of the conclusion of the compulsory insurance contract, as well as the distortion of the information provided to the insurer about the terms of the compulsory insurance covered by the insurance policy form submitted to the insurance company. The policyholder. In the event of damage to the life, health or property of the injured owner of the vehicle, compulsory insurance of the civil liability of which is certified by the insurance policy of compulsory insurance, which form The insurer to which the insurance policy form belonged is liable to pay from its own funds compensation for the injury caused to the injured party in the amount determined in accordance with the article. 12 of this Federal Law, except for cases of theft insurance policy forms of compulsory insurance provided that, prior to the date of occurrence of the insurance case, the insurer, the insurance broker or the insurance agent applied to the competent authorities for the theft of the forms. The compensation shall be paid in accordance with the procedure established by this Federal Act for the performance of the insurance payment. Membership of the insurance policy of compulsory insurance to the insurer is confirmed by the professional association of the insurers in accordance with the rules of professional activity provided for in article 26, paragraph 1, subparagraph 1 (p) of this Federal Law. The Incomplete and (or) late payment to the insurer of an insurance premium received by an insurance broker or an insurance agent does not exempt the insurer from the obligation to fulfil the obligations under the compulsory insurance contract, In the case of an unauthorized use of the compulsory insurance form. Within the limits of the amount of compensation paid by the insurer to the injured party under this paragraph and the costs incurred in considering the claim of the injured insurer, the insurer has the right to claim the person responsible for the claim. unauthorized use of the insurance policy form of compulsory insurance owned by the insurer. "; g) to supplement paragraph 7-2 as follows: " 7-2. The compulsory insurance contract may be drafted in the form of an electronic document, taking into account the features of this Federal Law. Create and guide the insurer's application for the conclusion of the compulsory insurance contract in the form of an electronic document is carried out with the use of the official website of the insurer in information and telecommunications Internet. In doing so, the official website of the insurer can be used as an information system for the exchange of information in electronic form between the policyholder, the insurer who is the operator of the information system, and The professional association of insurers, the operator of an automated information system of compulsory insurance established in accordance with article 30 of this Federal Law. A list of the information provided by the policyholder using the official website of the insurer in the Internet Information and Telecommunications Network (Internet) when making a declaration of compulsory insurance in the form of an electronic document, is defined by the rules of compulsory insurance. Access to the official website of the insurer in the Internet information and telecommunications network to perform the activities envisaged in this paragraph may be made using a uniform system of identification and authentication. The insurance cannot be entered into the form of an electronic document, if the information provided by the policyholder does not correspond to the information contained in the compulsory insurance information system, under article 30 of this Federal Act. In the implementation of compulsory insurance, the application for compulsory insurance in electronic form addressed to the insurer and signed by simple electronic signature of the insured person-the individual or enhanced A qualified electronic signature of an insured person-a legal entity in accordance with the requirements of the Federal Law of April 6, 2011 N 63-FZ "On electronic signature", is recognized as an electronic document equivalent to a paper document a form signed by a handwritten signature. For the purpose of concluding a contract of compulsory insurance in the form of an electronic document, the insured person in the application for the conclusion of the compulsory insurance contract of the insurance number of its individual personal account is equated with the application, signed by a simple electronic signature of the policyholder. After the insurer pays the insurance premium under the compulsory insurance contract, the insurer guides the insurance policy created by using the automated information system of the compulsory insurance created by the insurance company. In accordance with Article 30 of this Federal Law, in the form of an electronic document signed by an enhanced qualified electronic signature of the insurer subject to the requirements of the Federal Law of April 6, 2011 N. 63-FZ " Electronic signature " At the same time as the insurance policyholder in the form of an electronic document, the insurer provides information on the conclusion of the compulsory insurance contract in the automated information system of the compulsory insurance created in the under article 30 of this Federal Law. "; d' s), paragraph 9, should be supplemented with the words", no later than five working days from the date of the amendment of the compulsory insurance policy "; e. the first sentence to read: " When concluding a treaty Mandatory insurance for the purpose of calculating the insurance premium and verifying the existence or absence of insurance payments, as well as the verification of the fact of the technical examination, the insurer uses the information contained in the automated Information system of compulsory insurance established under Article 30 of this Federal Law and information contained in a single automated technical inspection information system. "; f) Paragraph 11 add the following paragraph: " Requirements for use Electronic documents and electronic information exchange between the policyholder, the victim (the beneficiary) and the insurer in the implementation of compulsory insurance, in particular the recognition of information in an electronic form signed by A simple electronic signature, an electronic document, equivalent to a paper document signed by a hand-written signature, is established by the Bank of Russia, subject to the requirements of the Federal Act of 7 August 2001 No. 115-FZ " against the legalization (laundering) of proceeds of crime and the financing of terrorism "and the Federal Act No. 63-FZ of 6 April 2011" On electronic signature "."; 18), add the following article 16 to 1: Article 16-1. { \b } { \b } { \b } { \b } Before being sued by the insurer for an insurance claim, the victim is required to apply to the insurer with a claim for the payment or direct compensation of the loss. documents required by the rules of compulsory insurance. Where there is disagreement between the injured party and the insurer regarding the performance of the last of its obligations under the contract of compulsory insurance before bringing a claim arising out of default or improper performance against the insurer obligations under the contract of compulsory insurance, disagreement of the victim with the size of the insurer's insurance payment to the injured person, sends the insurance claim to the insurer with the documents attached to it and justifying the claim of a victim who is to be considered by the insurer within five Calendar day, except for public holidays, from the date of receipt. During that period, the insurer is required to satisfy the injured party's claim for the proper performance of the obligations under the compulsory insurance contract or to send a reasoned refusal to satisfy the claim. 2. The non-performance or improper performance by the insurer of the obligations under the compulsory insurance contract and the legitimate interests of natural persons who are injured or insured are protected under the Act. OF THE PRESIDENT OF THE RUSSIAN FEDERATION The proper performance by the insurer of its obligations under the compulsory insurance contract is the performance of the insurance payment or the issuance of the repaired vehicle in the manner and within the timelimit fixed by this Federal Act. by law. 3. When the court satisfied the claims of the injured party, the court granted the insurance payment to the injured party for the benefit of the insurance, the court would charge the victim with a fine of fifty per cent of the difference between The aggregate amount of the insurance benefit determined by the court and the amount of insurance paid by the insurer on a voluntary basis. 4. In case of failure to return the insurance premium in cases covered by the compulsory insurance rules, the insurer pays the insured person a penalty of 1 per cent of the insurance premium under the contract compulsory insurance for each day of delay, but not more than the insurance premium for such a contract. 5. The insurer is exempt from the obligation to pay the penalty, the amount of the financial penalty and (or) the fine, if the obligations of the insurer were performed in the manner and within the time limits laid down by this Federal Law, and also if the insurer will prove that the violation of the timeline was due to the force majeure or the fault of the victim. 6. The total size of the penalty (s), the amount of the financial authorization to be paid to the injured individual shall not exceed the amount of the insurance amount for the damage caused by this Federal Law. 7. The insurer may not be charged with the penalty not provided for in this Federal Law and related to the conclusion, modification, execution and (or) termination of the compulsory insurance contracts (penalties), the amount of the financial sanction, and the fine. 8. The liability for the performance of the obligations under the compulsory insurance contract, concluded by the insurance agent or insurance broker, is borne by the insurer. "; 19) in article 18: (a) paragraph 1, subparagraph (a), should read : "(a) an introduction to the insurer in accordance with the law of the Russian Federation of the procedures applied in the case of bankruptcy;"; b) paragraph 2 (a) should read: " (a) Insurer for insurance under Russian legislation The federation of procedures used in bankruptcy; "; in) to supplement paragraph 2-1 as follows: " 2-1. Compensatory payment to the insurer who has made direct damages to the insurance payment is effected in accordance with article 14, paragraph 6, of this Federal Law. "; , paragraph 6, set out in , to read: " 6. A claim by the victim or an insurer who has made direct damages for the payment of the compensation may be presented within three years. "; 20), amend article 19 to read: " Article 19. Implementation of compensation payments 1. Compensation payments are made by the professional association of insurers acting on the basis of the founding documents and in accordance with this Federal Act, upon the requirements of the persons entitled to receive them. To consider claims for compensation payments, to implement compensation payments and to realize the right of claim under Article 20 of this Federal Law, the insurance companies acting through the professional Associations of the insurers on the basis of the contracts concluded with it. The relationship between the injured and the professional association of insurers over compensation payments by analogy applies the rules established by the law of the Russian Federation for relations between the beneficiary and the beneficiary. Insurer under the compulsory insurance contract. The relationship between the professional association of the insurers and the insurer who carried out direct damages, or the insurer who insured the civil liability of the person causing the injury, by analogy applies the rules, OF THE PRESIDENT OF THE RUSSIAN FEDERATION The relevant provisions shall apply to the extent that otherwise provided by this Federal Law and does not derive from the substance of such a relationship. 2. Compensation payments are set as follows: , in terms of compensation for the harm caused to the life or health of each victim, in the amount of not more than RUB 500,000, taking into account the requirements of article 12, paragraph 7, of this Federal Law; The amount of compensation for the damage caused to the property of each victim is not more than 400,000 rubles. Such compensation shall be reduced by an amount equal to the amount produced by the insurer and (or) liable for the injury caused by the person. 3. Before being brought before a professional association of the insurers containing a claim for compensation payment, the victim must apply to the professional association of the insurers with the claim for compensation, with attached documents, the list of which is defined by the rules of compulsory insurance. 4. The Professional Association of Insurers reviews the victim's application for compensation payment and the documents annexed to it within 20 calendar days, with the exception of non-working days from the date of receipt. During this period, the professional association of insurers is obliged to make a compensation payment to the victim by transferring the amount of compensation to the bank account of the victim or by giving him a motivated refusal of such payment. Payment. 5. The provisions of paragraph 2 of article 12, paragraph 2, of this Federal Act on the organization and payment of the repair of damaged vehicles to the insurance benefit do not apply to the implementation of the occupational The consolidation of the compensation insurance insurers. "; 21) to supplement article 20 with paragraph 3 as follows: " 3. Within the limits of the amount of compensation paid pursuant to Article 18, paragraph 2-1 of this Federal Law, the professional association of the insurers is transferred to the insurance claim under the contract. compulsory insurance, which under the direct compensation agreement provided for in Article 26-1 of this Federal Law, the insurer who has made direct damages shall have an insurer who has insurance for the civil service liability of the person who caused the injury. "; 22) in article 21: (a) Paragraph 1 should read: " 1. Insurer should have a representative in each constituent entity of the Russian Federation, who is authorized to consider claims of the victims of insurance payments and direct compensation of damages, as well as to implement insurance payments and direct compensation Loss. The compulsory insurance contract is to be provided in any separate unit of the insurer (branch). "; b), add the following sentence:" In the event of an insurer's withdrawal or exclusion the professional association of insurers notifies the Bank of Russia within one business day. "; in paragraph 3 of paragraph 3, add to the words" and have access to an automated Information system of compulsory insurance established in accordance with of article 30 of this Federal Law "; d), paragraph 4 should read: " 4. Insurer logs mandatory insurance contracts, register of losses and premats of compulsory insurance contracts, journal of compulsory insurance contracts accepted in reinsurance, journal of accounting losses under the compulsory insurance contracts accepted in the reinsurance, the journal of the compulsory insurance contracts transferred to the reinsurance company, the register of the share of reinsurers in the losses under the compulsory insurance contracts, transferred to reinsurance, and represents the data of the specified journals in Professional association of insurers in accordance with the rules of professional activity. Within five working days of the withdrawal of the license for insurance, excluding or voluntary withdrawal from the professional association of insurers, the insurer is obliged to transfer the said journals as well as unused insurance forms Mandatory insurance policies in the professional association of insurers. "; (d) Paragraphs 5 to 7 to declare invalid; 23) Article 22, paragraph 3, as follows: " 3. In the implementation of compulsory insurance, the insurance companies deduct from insurance premiums under the compulsory insurance contracts in the professional association of insurers: for the financial provision of compensation payments, Article 18, paragraphs 1 (a) and (b), of the present Federal Act (reserve pool); to provide for the financial support for compensation payments made under subparagraphs (a) and (d) of paragraph 1 Article 18 of this Federal Law (current compensation reserve) Payments). Insurers in the reserve reserve and the current compensation reserve are recognized as current insurance costs and are included in the mandatory insurance financial result. The minimum allocation to the guarantee reserve and the reserve for current compensation payments are established in accordance with the structure of the insurance tariffs. The aggregate amount of the reserve for the guarantee reserve and the reserve for the current compensation awards is determined by the insurer, subject to the allowances of the minimum royalties paid by the insurers established by the professional association of insurers in the rules Professional activities based on the sufficiency of the safeguards reserve and the current compensation reserve for the appropriate compensation payments, the financial sustainability of the insurer and (or) other factors that have a significant impact on the likelihood of compensation of payment and their possible volume. "; 24) paragraph 3 of article 24 to be supplemented with the following paragraph: " The professional associations of insurers are formed in accordance with the law of the Russian Federation The Federation, the constituent documents of the professional association of insurers, on the principles of equal rights of its members to representation in elections to and participation in the management of the professional association of insurers "; 25) in article 25: a) in paragraph 1: In subparagraph (c), replace the word "injured" with the words "and establishes the amount of the contributions of the insurers to the guarantee reserve and the reserve of the current compensation payments"; , in subparagraph 1, replace the words "and performs" with the word "shall"; to supplement the words "and post on its official website in the Internet Information and Telecommunications Network" the information received from its members on the number of insurance policy forms sent to the separate units of the insurer (branches) of the Russian Federation "; The following subparagraph: "v-2" informs the vehicle owners of the procedure for the issuance of documents on road traffic accidents without the participation of police officers in accordance with the article 11-1 of this Federal Law; "; to add" to 3 "to read: " 3) submits, at the request of the owners of vehicles, victims information on the existence of a binding treaty of the person named in the claim number of the contract and the insurer with which it is concluded; "; " d "after" other functions provided for "should be supplemented by the words" normative legal acts of the Government of the Russian Federation, Bank of Russia regulations "; (b) In paragraph 2: , after the word "compulsory insurance", add "on insurance under international insurance schemes,"; to add a new paragraph to the fifth paragraph, to read: " To carry out the tasks assigned to it in accordance with the legislation of the Russian Federation Federations and requirements of international insurance schemes of the national association of insurers operating under international insurance systems. "; paragraphs 5 to 7 should be considered as paragraphs 6 to 6, respectively. eighth; 26) in article 26: (a) in paragraph 1: in subparagraph (b) delete; , in subparagraph (b), the words "between members of the professional association of insurers" should be deleted; "n" should be revised to read: " The activities of the professional association of insurers and its members under international insurance schemes in accordance with article 31, paragraph 9, of this Federal Law; "; the subparagraph" on " should read: "(o) the procedure for determining the extent of the contributions of insurers to the safeguards reserve and the reserve for current compensation payments;"; , in subparagraph (e), replace the words "and use of the forms" with the words " the use of these forms and Number of compulsory insurance contracts entered into Electronic documents, "; to add to the following subparagraphs: " (o) the order of the representative of the insurer who insures the civil liability of the victim claims by victims of direct damages and direct damages on behalf of and from the insurer's account; f) relationships with insurance agents and insurance brokers acting on behalf of the member insurance policy association compulsory insurance; x) relations between the members of the professional association of insurers with the maintenance stations; (c) the organization of the conclusion of the compulsory insurance contracts in the form of electronic insurance documents; h) of other rules of professional activity, which are defined by the decision of the members of the professional association of insurers to the competence of the professional association of the insurers. "; b) paragraph 1-1 Amend the text as follows: " 1-1. The requirements set out in subparagraphs (a) to (d) and (c) of paragraph 1 of this article shall be established and amended by the professional association of insurers, in agreement with the Bank of Russia, other requirements specified in paragraph 1 of this article. The professional association of the insurers, subject to the notification of the Bank of Russia in the manner prescribed by them. The rules of professional activity and the changes made to these rules come into force not earlier than the date of their agreement with the Bank of Russia. Changes made to the rules of professional activity and not entailing changes in the composition and scope of the rights and obligations of the professional association of insurers, insurers, insured persons, victims, beneficiaries and other persons are not required of the agreement with the Bank of Russia and presented in the notification order. "; in) to supplement paragraph 3 with the following content: " 3. The Professional Association of Insurers issues interests, rights and obligations of insured persons and (or) victims from the rules of professional activity, taking into account their changes on their official website in Internet Information and Telecommunications Network. "; 27) Article 26-1, amend to read: Article 26-1. Direct damages agreement 1. The agreement on direct compensation of damages consists of members of the professional association of insurers and the professional association of insurers. The agreement determines the terms and conditions of the calculation between the insurer that has made a direct award of damages and the insurer who insured the civil liability of the person who caused the damage, as well as between the insurer who carried out the damage Direct compensation of damages, or an insurer who has insured the civil liability of the victim and the professional association of insurers in the cases provided for in article 14-1 of this Federal Law. Enforcement of the obligations of the insurer who insures the civil liability of the person who caused the damage to the insurer who carried out direct damages in the case provided for in article 14, paragraph 5, of this Federal The law may be implemented by way of compensation for the amount of the paid damages for each claim of the victim and (or) on the basis of the number of satisfied claims during the reporting period, the average amount of the insurance payments determined in accordance with A direct reimbursement agreement. The Bank of Russia sets the requirements for the direct compensation agreement, the procedure between the said insurers, as well as the peculiarities of accounting for transactions related to direct compensation of losses. 2. The constituent documents of the professional association of insurers should stipulate that accession to the agreement on direct compensation of damages, concluded between the professional association of the insurers and all its members, is a mandatory condition for the membership of an insurance organization in a professional association of insurers. "; 28) in article 27: (a), paragraph 2 should read: " 2. The compensation claims under subparagraphs (a) and (b) of paragraph 1, paragraphs 2 and 2 to 1 of article 18 of this Federal Act, are met by the professional association of insurers with funds provided by members The professional association of insurers with the guarantee reserve, as well as funds received from the implementation by the professional association of insurers of the right of claim under article 20, paragraphs 2 and 3, of this Federal Law. The victims ' claims for compensation payments under subparagraphs (a) and (d) of article 18, paragraph 1, of this Federal Act are met by the professional association of insurers with funds provided by members The professional association of insurers in accordance with article 22, paragraph 3, of this Federal Law, the reserve of current compensation payments, as well as funds received from the implementation by the professional association of insurers of the right of demand, as provided for in article 20, paragraph 1, of this Federal Act. Article 18, paragraphs 1 (a) and (2), (1), (2) and (2)-(1) of article 18 of the present report. The Federal Law is satisfied by the professional association of insurers with the provisions of article 22, paragraph 3, of this Federal Law of the reserve of current compensation payments, as well as funds received from the sale the professional associations of insurers of the right of demand, as provided for in article 20, paragraph 1, of this Federal Act. While there are insufficient funds made available by members of the professional association of insurers from the current compensation reserve, claims of victims for compensation payments under subparagraphs (a) and (d) of paragraph 1 of the article 18 of this Federal Law, are met by the professional association of insurers with the means provided for in article 22, paragraph 3, of this Federal Law of the reserve of guarantees, as well as funds received from the sale of professional goods. Insurers ' association of the requirements of the 2 and 3 of article 20 of this Federal Law. "; (b), paragraph 3, shall be declared null and void; 29) in article 28: (a) in paragraph 2: paragraph 1 after the words" financing of compensation payments, " supplement the words "and the current liability fund"; , in the second paragraph of the second paragraph and article 18, paragraph 2, replace the words ", paragraphs 2 and 2-1 of article 18"; and the third paragraph after the words "financing of compensation". payment, "in addition to the words" and the current commitment fund, ", the words "on separate balances" should be replaced with the words "on the balance"; b), paragraph 2-1 shall be declared void; paragraph 2, paragraph 3, paragraph 3, should read as follows: " Placement of temporarily available funds The professional association of insurers is allowed in credit institutions, the assets of which amount to 50 billion rubles and more than 1 billion rubles (or) the amount of funds attracted from individuals on the basis of contracts of bank deposits and contracts. The bank accounts for 2 billion rubles ($10 billion). It is not permitted to place temporarily free funds of the professional association of insurers in credit organizations under the direct or indirect control of members of the professional association, except credit organizations, The shares (share in the authorized capital) of which belong to the Russian Federation or the Bank of Russia in the amount that allows to determine the decisions of these credit organizations on matters falling within the competence of the general meeting of their founders (participants). " d) Paragraph 4 should read: " 4. The professional association of insurers maintains statistics on the implementation of compensation payments, including information on the amount of the guarantee reserve and the current compensation reserve, the investment result from the allocation of funds of the provisions of the Convention on the Rights of the Child in the implementation of the Convention on the Rights of the Child (art. present quarterly reports to the Bank of Russia. "; d) In paragraph 6: the first paragraph should read: " 6. The annual accounting (financial) accounts of the professional association of the insurers shall be subject to mandatory audit. "; , in the second paragraph of the second word" Independent Audit ", replace the word" Audit "; , to read: " 7. The annual accounting (financial) reporting of the professional association of the insurers, the audit report on its authenticity, and the annual report shall be published annually, in particular in the Internet Information and Telecommunications Network. Information on such publication shall be submitted by the professional association of insurers to the Bank of Russia. "; 30) in article 30: (a) in paragraph 1: in the first paragraph after the words" local authorities, " In the words "Bank of Russia," after the words "compulsory insurance" to add ", insurance under international insurance systems", the word "victims" should be deleted; the second paragraph should read as follows: " Organs of internal affairs through electronic communication Insurers, professional association of insurers, upon their request, with the necessary requirements for the implementation of the provisions of this Federal Act concerning driving permits of persons authorized to manage vehicles of vehicles and police-recorded road accidents. "; b) paragraph 2 shall be declared void; in paragraph 3: paragraph 1 after the words" information supply " to supplement by the words " the possibility of concluding a compulsory insurance contract in in the form of an electronic document, "after the words" land transport with victims ", add the words" control over the implementation of compulsory insurance, "; second after the words" State authorities, "to add to" Bank Russia, "; , in the third word" Lists ", replace" Composition of public authorities and organizations connected to the information system, lists "; g) to supplement paragraph 3-1 as follows: " 3-1. Persons who have an intention to conclude a compulsory insurance contract shall be provided with free access, in particular to: (a) the information on insurance tariffs applied by insurers, allowing the persons indicated in this paragraph to compare The size of the compulsory insurance premium in the event of its conclusion from any of the insurers; (b) information on the lost, stolen, stolen and other forms of compulsory insurance policies, not intended for authorized use; in) necessary to determine the coefficient of the insurance fares and article 9, paragraph 2 (b) of this Federal Act, in calculating the insurance premium under the compulsory insurance contract. "; d) supplement paragraph 3-2 as follows: " 3-2. Victims and other participants in a traffic accident shall be provided with data on the existence of an existing compulsory insurance contract with respect to the person and/or the vehicle, the number of the contract, and Insurers with whom it is concluded. On requests in writing, citizens, organizations, state bodies and local self-government bodies, the professional association of insurers within 30 calendar days of the receipt of such a request are provided with information about compulsory insurance, insurance coverage under international insurance schemes that do not contain personal data. "; e) to supplement paragraph 6 with the following: " 6. The insurer to conclude or amend the compulsory insurance contract is required to provide his or her personal data, personal data of the owner of the vehicle and, in case of the contract of compulsory insurance. The insurance provides for the management of the vehicle by the drivers designated by the driver-the personal data of each of these drivers. The victim or beneficiary is required to provide his or her personal data in order to receive an insurance benefit or direct damages under the contract of compulsory insurance, and in the event of damage to the victim's life the beneficiary is obliged to provide the personal data of other beneficial purchaers. "; ) to supplement paragraph 7 with the following: " 7. The composition of the personal data, the obligation of which is provided for in paragraph 6 of this article, shall be determined by this Federal Law, the rules of compulsory insurance and the forms adopted in accordance with them: (a) declarations on the conclusion of a compulsory insurance contract; b) insurance policy for compulsory insurance of civil liability of vehicle owners; in) a document containing information on insurance of civil society liability of vehicle owners under a contract Mandatory insurance; d) accident notification; d) an accident certificate. "; ) to supplement paragraph 8 with the following content: " 8. Insurer does not have the right to demand the provision of personal data not provided for by this Federal Law and adopted in accordance with it by normative legal acts, regulatory acts of the Bank of Russia. Consent of the subject of personal data to be processed by the operator of the automated information system is not required. "; 31) in article 31: (a) paragraph 1 is supplemented by the words", by means of with the insurer included in the list referred to in paragraph 5 of this article, the civil liability insurance contract of vehicle owners in the framework of international insurance systems; b), paragraph 2 in words " as well as to the rules of professional activities adopted by the the professional associations of insurers in accordance with paragraph 9 of this Article "; in) in paragraph 3 of the words" in which the international insurance system shall apply, shall conform to the requirements and rules "shall be replaced by the words" "are established by the professional association of insurers in the insurance rules under the international insurance schemes in accordance with the requirements and rules"; g) to supplement paragraph 5 with the following: " 5. Insurer has the right to perform insurance operations in the framework of international insurance systems in case the insurer is included in the list of insurance companies engaged in insurance operations under the international insurance schemes. The maintenance of the list is carried out by the professional association of insurers. "; d) to supplement paragraph 6 with the following: " 6. To be included in the list of insurance insurers within the framework of the international insurance systems, the insurer should: (a) be a member of the professional association of insurers; b) match Obligations established by professional association of insurers in the rules of professional activity in accordance with the rules of international insurance systems; in) to enter into the current liabilities fund Insurers ' association pursuant to paragraph 10 of this Regulation Articles, a contribution equivalent to €500 thousand at the rate of the Bank of Russia fixed on the day of payment. "; e) to supplement paragraph 7 with the following: " 7. Information on insurance companies included in the list of insurance companies engaged in insurance operations under the international insurance systems shall be sent to the Bank of Russia within 30 calendar days from the date of inclusion of the insurer in the list. "; (g) to supplement paragraph 8 with the following: " 8. The Professional Association of Insurers is obliged to place the list of insurers that perform insurance operations under the international insurance schemes in the Internet Information and Telecommunications Network (Internet). "; h) Paragraph 9, reading: " 9. The activities of the professional association of insurers and its members within the framework of international insurance schemes are regulated by this Federal Law, other federal laws, the rules of the international insurance system and those established in compliance with them by the professional association of insurers with the requirements for: (a) the order in which the insurer is included in the list of insurers who carry out insurance operations in the international insurance system and the exclusion of the insurer from the list; b) the size of the contributions and the order of payment by the insurers of the professional association of insurers, the formation and use of the current liabilities fund; in) limit (minimum and maximum) size Insurance rates and their application in the definition of the insurance premium, the structure of insurance tariffs, including the share of the insurance premium for the award of the insurance contract under the international insurance schemes, and Insurance premiums; g) insurers for the the inclusion of them in the list of insurance companies engaged in insurance operations under the international insurance schemes; d) of organizations that settle claims arising in connection with insurance within the framework of international The insurance system, in the territory of the Russian Federation; (e) the organization of insurance contracts by insurers within the framework of international insurance schemes, as well as the advertising of the services of specific insurers and (or) persons, on their behalf, within the framework of international insurance schemes; (g) Rules for the settlement of claims arising in connection with insurance under international insurance systems. "; and) add the following: " 10. In order to fulfill the financial obligations to the participants of the international insurance systems, the professional association of insurers is forming a fund of current liabilities. ". Article 2 Article 2 class="doclink "href=" ?docbody= &prevDoc= 102356584&backlink=1 & &nd=102019955" target="contents"> dated November 27, 1992 N 4015 -I "On the organization of the insurance business in the Russian Federation" of the Russian Federation, 1993, No. 56; Legislative Assembly of the Russian Federation, 1998, No. 1, art. 4; 2002, N 12, article 1093; 2003, N 50, sect. 4858; 2005, N 10, sect. 760; 2007, N 49, sect. 6048; 2010, N 17, est. 1988; N 31, sect. 4195; 2011, N 49, sect. 7040; 2012, N 53, sect. 77592; 2013, N 30, est. 4067; 2014, No. 23, sect. 2934) The following changes: 1) to add Article 3 to add to paragraph 3-1 as follows: " 3-1. A common automated information system containing information on insurance contracts by type is being established for the purpose of information interaction between the parties governed by this Law and combating fraud in insurance fraud The insurance covered by Articles 32 (1) and (14) of Article 32-9 of this Law, insurance cases and other information on the implementation of insurance (hereinafter referred to as a single automated system). The operator of a single automated system is the professional association of insurers established in accordance with the Federal Law of 25 April 2002 N 40-FZ " On compulsory insurance of civil liability of owners of the transport equipment. " The procedure for the establishment and operation of a single automated system, including access to the information contained therein, is established by the Bank of Russia. " (2) In article 32: a), in paragraph 2, paragraph 2, of the word "compulsory insurance", replace the words "type of insurance"; b) in paragraph 14 (8) of the word "compulsory insurance" should be replaced by " Insurance "; 3) Article 32-6 to supplement paragraph 4-1 of the following table of contents: " 4-1. If an insurance organization is excluded from the professional association of insurers established under the federal law on a specific type of compulsory insurance, the professional association of insurers shall inform thereof The insurance supervisory authority, for its acceptance in accordance with the procedure established by this Law, decisions to limit the operation of the licence to the appropriate type of insurance. "; 4) in article 32-8, paragraph 2: a) in subparagraph 1: add the following new paragraph to the fifth paragraph: " in case the insurance organization has not restored its membership in a professional association within three months from the date of limitation of the licence on the basis of Article 332, paragraph 4-1 of this Law. Insurers; "; paragraph 5, paragraph sixth; b), subparagraph 2, after the word" activities ", add the words", including in the event of the withdrawal of the insurance organization from the professional association of the insurers established in the the federal law on a specific type of compulsory insurance, "; 5) Paragraph 2 of Article 32-9 add the following paragraph: " If the federal law provides that insurance rules for certain types of insurance, insurance tariffs, method of calculation, tariff structure The rates for these types of insurance are determined by the Government of the Russian Federation, the federal executive authority or the insurance supervisory authority and are compulsory for the use of insurance by insurers, the insurer shall not be subject to the rules of insurance, respectively, Calculation of insurance rates, actuarial calculations, structure of tariff rates, as well as changes made to these documents. ". Article 3 Make Russian Federation Code of Administrative Offences (Russian Federation Law Assembly, 2002, N 1, Art. 1; N 44, sect. 4295; 2003, N 50, sect. 4855; N 52, sect. 5037; 2004, N 34, sect. 3533; 2005, No. 19, sect. 1752; 2006, N 2, sect. 172; N 31, sect. 3433; 2007, N 1, article 33; N 26, est. 3089; 2009, N 7, sect. 777; N 30, sect. 3739; 2010, N 28, sect. 3553; N 30, sect. 4005, 4007; N 31, est. 4193, 4208; N 41, sect. 5193; N 49, sect. 6409; 2011, N 7, sect. 905; N 27, sect. 3873; N 30, st. 4584; N 46, st. 6406; N 47, sect. 6601, 6602; N 48, st. 6728; N 50, st. 7351; 2012, N 15, est. 1723; N 31, st. 4329; N 47, st. 6405; 2013, N 26, est. 3207; N 30, sect. 4044, 4081, 4082; N 31, 100 4191; N 43, sect. 5446; N 48, st. 6163, 6165; N 49, sect. 6327; N 51, sect. 6685, 6695; 2014, N 19, st. 2317, 2335), the following changes: 1) to be added to Article 15.34-1 as follows: " Article 15.34-1. Unjustified refusal to conclude a public insurance contract or to impose additional services upon conclusion of the contract compulsory insurance Unfounded refusal of an insurance organization from the conclusion of public contracts under the federal laws on specific types of compulsory insurance or the imposition of an insurer or an intention to conclude a compulsory insurance contract for the person concerned, or Federal Act on the Protection of the Rights of the Child Mandatory insurance,- shall impose an administrative fine on officials in the amount of fifty thousand roubles. "; (2) in article 23.74: Part 1 after the words" Articles 15.28-15.31, " "15.34-1,"; in Part 2: paragraph 2 after the words "Articles 15.28-15.31," add "15.34-1,"; paragraph 3 after the words "Article 15.28-15.31," add "15.34-1,". Article 4 1. To be recognized as having no force since 1 September 2014: 1) paragraph 7 (b) of the Federal Act of 21 July 2005 OF THE PRESIDENT OF THE RUSSIAN FEDERATION 3114); 2) paragraphs 5 to 13, paragraph 8, paragraph 10, paragraphs 3 to 7 of paragraph 18, article 1, paragraph 24, of the Federal Law "On amendments to the Federal Law" On compulsory insurance of civil liability of vehicle owners "and Article 2 of the Federal Law" On amendments and additions to the Law of the Russian Federation " of the Russian Federation THE PRESIDENT OF THE RUSSIAN FEDERATION 6070); 3) Article 18, paragraph 1, of the Federal Law of 11 July 2011 N 200-FZ " On amendments to certain legislative acts OF THE PRESIDENT OF THE RUSSIAN FEDERATION 4291); 4) subparagraphs (b)-"g" of article 19, paragraph 1, of the Federal Law of 7 February 2011, N 4-FZ " On amendments to certain OF THE PRESIDENT OF THE RUSSIAN FEDERATION 901); 5) paragraphs 4, 6 and 11 of Article 13 of the Federal Law of 23 July 2013 N 251-FZ " On amendments to selected legislative bodies of the OF THE PRESIDENT OF THE RUSSIAN FEDERATION 4084). 2. Paragraph 6 of Article 1 of the Federal Law of December 1, 2007 No. 306-FZ "On amendments to the Federal Law" On compulsory insurance OF THE PRESIDENT OF THE RUSSIAN FEDERATION Assembly of the Russian Federation OF THE PRESIDENT OF THE RUSSIAN FEDERATION 6070) to be declared invalid since 1 October 2014. Article 5 1. This Federal Act shall enter into force on 1 September 2014, with the exception of the provisions for which this article establishes a different time frame for their entry into force. 2. Paragraphs 1 to 10, paragraph 16, paragraph 16, paragraph 16, paragraph 16, paragraph 16, article 2, paragraphs 3 and 5, of this Federal Law shall enter into force 10 days after the date of its official publication. 3. Sub-paragraphs (b) and (c) of paragraph 6, paragraphs 11 and 13, paragraph 11, paragraph 12, paragraph 12, paragraph 9 of article 1, paragraph 20, of this Federal Law shall enter into force on 1 October 2014. 4. Paragraph "a" of paragraph 6, paragraphs 10 to 20 of paragraph 12, paragraph 8 of article 1, paragraph 20, of this Federal Law shall enter into force on 1 April 2015. 5. Article 2, paragraph 1, of this Law shall enter into force on 1 January 2015. 6. Subparagraph (a), paragraph 3 (b), subparagraph (g), subparagraph (e) of article 1, paragraph 17, of this Federal Act shall enter into force on 1 July 2015. 7. Paragraph 11 of Article 1 of this Federal Law shall enter into force on 1 October 2019. 8. Article 11, paragraph 4, of the Federal Act of 25 April 2002, N 40-FZ " On compulsory insurance of civil liability of the owners of transport " applies to the relations that have arisen in connection with the accident, the civil liability of both members of which is insured under the contracts of compulsory insurance of civil liability of the owners of transport vehicles. prisoners held at the end of ten days after the date The official publication of this Federal Law is valid until September 30, 2019. 9. Article 11, paragraph 5, of the Federal Act of 25 April 2002, N 40-FZ " On compulsory insurance of civil liability of the owners of transport " applies to the relations that have arisen in connection with the accident, the civil liability of both members of which is insured under the contracts of compulsory insurance of civil liability of the owners of transport vehicles. After 1 October 2014, up to 30 September 2019. 10. To establish that before January 1, 2017, when the documents on the road accident are processed in accordance with the provisions of Article 11 (5) of the Federal Law N 40-FZ "On compulsory insurance of civil liability of vehicle owners" is allowed for the insurer to provide data on the circumstances of the injury to the vehicle in The result of the accident which has been recorded with using technical controls to ensure that information is not recorded (photo or video recording of vehicles and their injuries at the scene of the accident, as well as data recorded in the application of funds) navigation using GLONASS technology or other global satellite navigation systems technologies). 11. The Bank of Russia, until September 1, 2014, to adopt a regulatory act defining the minimum (standard) requirements for the voluntary insurance of vehicles and the civil liability of their owners, allowing the owners of transport vehicles. to freely exercise their rights as set out in article 11-1 of the Federal Law of 25 April 2002, N 40-FZ " Mandatory Liability insurance of the owners of vehicles Means ". 12. Before 1 April 2015: 1) the amount of insurance paid to the victim by the insurer's health is calculated by the insurer in the manner prescribed by the rules of chapter 59 Civil Code of the Russian Federation; 2) the amount of insurance payment for damage to the victim's life is: . Persons entitled under civil law to Compensation of harm in the event of the death of the victim (breadwinner); b) no more than 25 thousand roubles for reimbursement of burial expenses-those who have incurred these expenses; 3) compensation payments for the compensation of harm caused to life and the health of each victim shall be set at no more than 160 thousand rubles, taking into account the requirements of paragraph 2 (b) of this Part. 13. OF THE PRESIDENT OF THE RUSSIAN FEDERATION Federal Act No. 40 of 25 April 2002 on compulsory insurance of civil liability of the owners of transport (as amended by the present Federal Law) apply to the relations between the victims, the insurers and the insurers arising from the compulsory insurance of civil liability of the owners of vehicles entered into after the entry into force of the relevant provisions of this Federal Act, unless otherwise provided in this article. 14. Article 14-1 of the Federal Act No. 40 of 25 April 2002 on compulsory insurance of civil liability of owners " (as amended by the present Federal Act), the procedure for direct compensation of damages shall apply to contracts which have not expired on the date of entry into force of article 1, paragraph 16, of this Federal Act. 15. Articles 16 to 1 of the Federal Law of 25 April 2002, N 40-FZ " On compulsory insurance of civil liability of owners " (as amended by this Federal Law), the peculiarities of the consideration of disputes under the compulsory insurance of civil liability of vehicle owners apply to relations that have arisen after September 1, 2014. of the year. Paragraph 1 of article 16 (1) of the Federal Act No. 40 of 25 April 2002 on compulsory insurance of civil liability of owners "(as amended by the Federal Law dated 29.06.2015 N 155-FZ) 16. As of 1 October 2014, insurers are obliged to bring the insurance rules according to the types of insurance covered by subparagraphs 6, 14, paragraph 1 of article 32-9 of the Law of the Russian Federation N 4015 -I " On the organization of the insurance business in the Russian Federation ", in accordance with the provisions of Article 11-1 of the Federal Law N 40-FZ " Both compulsory insurance of civil liability of vehicle owners. ". 17. To establish that before September 1, 2016, the fixed limit values of the basic rates of insurance rates set out in article 8 (3) of the Federal Law dated 25 April 2002, N 40-FZ "On compulsory insurance of civil liability of vehicle owners" (in the wording of this Federal Law) may not be less than six months. 18. To establish that, before 1 October 2014, the limit value for wear on components (parts, assemblies and units) according to article 12 of the Federal Law N 40-FZ " On compulsory insurance of civil liability of vehicle owners " should not exceed 80 percent of their cost. President of the Russian Federation Vladimir Putin Moscow, Kremlin 21 July 2014 N 223-FZ