From 2024, important changes to the compulsory motor insurance (CMTPL) system will come into force in Russia, affecting every driver. The innovations aim to improve road safety and combat unscrupulous insurers. Now, responsibility for compliance with insurance rules will become stricter, which should reduce the number of fraud cases in this area. One of the key points is an increase in tariff coefficients for certain categories of drivers, including motorcyclists and motorists with high-powered vehicles. Each driver will now have their own individual rate, taking into account not only their vehicle operation history, but also factors such as the number and severity of accidents in which they were involved. This will heighten competition between insurance companies, which will now have to more actively offer their clients terms that take risks into account. Furthermore, with the introduction of the new changes, there is a need to directly present insurance in the event of an accident. This will heighten...