From 2024, important changes to the mandatory car insurance system (OSAGO) will come into effect in Russia, affecting every motorist. The innovations aim to improve road safety and combat unscrupulous insurers. Responsibility for complying with insurance rules will now be stricter, which should reduce the number of fraud cases in this area. One of the key points is the increase in tariff coefficients for certain categories of drivers, including motorcyclists and motorists with high-powered cars. Each driver will now have their own individual rate, taking into account not only their driving history, but also factors such as the number and severity of accidents in which they were involved. This will intensify competition between insurance companies, who will now have to offer their clients conditions that take risks into account more actively. In addition, with the introduction of the new changes, it becomes necessary to directly present insurance in the event of an accident. This will intensify...
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