From 2024, important changes to the mandatory vehicle insurance (OSAGO) system will come into force in Russia, affecting every motorist. The innovations aim to improve road safety and combat unscrupulous insurers. Responsibility for compliance with insurance rules will now become stricter, which should reduce the number of cases of fraud in this area. One of the key points is the increase in tariff coefficients for certain categories of drivers, including motorcyclists and drivers with high-powered cars. Each driver will now have their own individual rate, taking into account not only their vehicle operating history, but also factors such as the number and severity of accidents in which they were involved. This will intensify competition between insurance companies, which will now have to be more active in offering their clients terms that take risks into account. 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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