Does insurance become more expensive after an accident?

How much more expensive will insurance become after an accident?

The system of compulsory civil liability insurance is quite complex from a legislative point of view. This is explained by the fact that it is based not only on the interests of the client, but also on the benefits and security guarantees of the insurer.

One of the mechanisms by which the insurance company motivates the client to drive safely is the flexible calculation of base rates for the cost of the policy, taking into account the coefficients. The mathematics is simple - whether insurance will become more expensive after an accident or its price will decrease due to accident-free driving depends entirely on the policyholder. And since a compulsory insurance policy must be purchased annually, the direct interest of clients is also clearly visible here.

Basic rates and coefficients in compulsory insurance

The entire system of payment of compensation for damage in compulsory insurance, as well as the purchase of corresponding policies, is based on calculations based on base rates and coefficients. For example, both the amount that the victim will receive as a result of an insured event and the amount of payment that he will be forced to pay for the insurance policy depends on a number of conditions.

Insurance rates consist of base rates and coefficients. Insurance premiums under compulsory insurance contracts are calculated by insurers as the product of base rates and insurance tariff coefficients.

Clause 1 of Article 9 of the Federal Law “On Compulsory Civil Liability Insurance of Vehicle Owners” N 40-FZ dated April 25, 2002 (hereinafter referred to as the MTPL Law)

Thus, in order to find out the cost of the insurance rate or how much more expensive insurance will cost after an accident, a potential buyer needs to know two components - the base rate and the coefficient - and multiply them. The base rate can be found directly from the insurance company where the contract will be concluded. It is determined according to the principle described.

Basic rates of insurance tariffs are set depending on the technical characteristics, design features and purpose of vehicles, which significantly affect the likelihood of causing harm during their use and the potential amount of harm caused.

The base rate is basically a constant value, since usually the technical characteristics and design features of the car do not change. While the second component - the coefficient - can change, thereby affecting the amount of the insurance rate. This coefficient is called bonus-malus (hereinafter referred to as BBM), and it is quite simple to calculate.

Bonus-malus coefficient

As mentioned above, KBM directly affects the cost of the policy. If the BMR increases, the insurance after an accident increases; if it decreases, the payment for the insurance policy also becomes less. If a driver is a beginner and purchases a compulsory insurance policy for the first time, then the insurance company automatically assigns him a BMI equal to one. Thus, the first insurance is paid in full. This can be easily calculated by multiplying the base rate by one. Every year the coefficient is recalculated taking into account various factors, which will be discussed below.

If the client already has at least a year of driving experience, then in addition to this factor, the insurance company also takes into account his insurance history.

The coefficients included in insurance rates are set depending on. the presence or absence of insurance payments made by insurers in previous periods when implementing compulsory insurance of civil liability of the owners of this vehicle, and in the case of compulsory insurance with limited use of the vehicle, providing for the vehicle to be driven only by drivers specified by the insured, the presence or absence of insurance payments made by insurers in previous periods when implementing compulsory civil liability insurance for each of these drivers.

Article 9 part 2 clause b of the Federal Law on Compulsory Motor Liability Insurance

It’s not difficult to guess how the BCM changes after the first accident committed by the same novice. If, after the appropriate period, the insurer sees that an insured event has occurred, then it increases the BMI, and accordingly the cost of the insurance tariff. The entire bonus-malus system is aimed at:

increase the driving accuracy of drivers due to the benefits they acquire in the event of accident-free driving;

motivate policyholders to avoid a careless and frivolous driving style by increasing the cost of compulsory insurance;

“discourage” drivers from applying for insurance compensation in case of minor damage. This statement makes sense for those who are at fault for an accident, for whom it is cheaper to pay the victim themselves rather than to record an insured event and reduce their CBM.

How is the bonus-malus ratio calculated?

The BMR value is calculated by the insurance company based on two parameters. Firstly, this is the class assigned to each driver at the time of insurance. Each class has its own BMC value. Secondly, the insurance history for the past period is taken into account. If a driver spends an accident-free year, then the value of his CBM decreases. If there was an accident, the coefficient will increase. Moreover, the more accidents there were, the higher its value will increase. How the BMI will change after an accident can be seen from the table below.

Using the example of a novice who has just gotten behind the wheel, we will analyze how his BMC will change depending on his insurance history after a year. When a new driver enters into his first compulsory insurance contract, the company assigns him class 3 with a coefficient of 1. Let us assume that after the expiration of the insurance period the client has not been in an accident. Thus, it is assigned class 4 with a BMR of 0.95. Simple calculations will show that the next insurance policy for this newbie will cost 5% less than the base rate.

Let's imagine a different situation. The same Class 3 driver was involved in one traffic accident. Since there was one insurance payment, the client is assigned class 1 which corresponds to a BMI with a value of 1.55. Now, in order to calculate how much more expensive insurance will be after an accident in this case, you need to multiply the base rate by 1.55. If this driver were unlucky enough to get into an accident two or more times, his class would reach the maximum, and the BMV would be 2.45. As a result, the policy amount would have cost him almost two and a half times the base rate.

In order to calculate for a client how much insurance increases after an accident or decreases due to accident-free driving, companies must use his previous insurance history. They can obtain this information in the RSA information system, which stores all data on compulsory motor insurance since 2011. If you want to calculate for yourself how much the next insurance policy will cost, then contact a qualified specialist for help, providing him with all the necessary data.

You need to multiply the base bet and the odds. The base rate can be obtained from the insurance company.

The system is focused on:

increasing the driving accuracy of drivers due to the benefits they acquire in the event of accident-free driving;

motivation to avoid a careless and frivolous driving style by increasing the cost of compulsory insurance;

“discourage” drivers from applying for insurance compensation in case of minor damage.

The maximum value is 1.00.

The coefficient is recalculated every year.

It is calculated based on 2 parameters:

assigned class at the beginning of the insurance period;

insurance history for the past period.

If a driver spends an accident-free year, then the value of his CBM decreases. If there was an accident, the coefficient will increase.

We have prepared more detailed examples, which can be found at the link.

How does an accident affect the cost of compulsory motor liability insurance?

Many drivers know that getting into an accident increases the cost of your insurance. And quite naturally the question arises: how does an accident affect the cost of a compulsory motor liability insurance policy?

The auto liability insurance system takes into account the interests of two parties - car owners and insurance companies. The latter, in order to reduce the financial risks associated with the payment of compensation, determine the cost of compulsory motor liability insurance policies individually, assessing the reliability of the client in terms of his “propensity” for accidents. The result of this assessment is the application of special coefficients to the base rate, increasing or, conversely, decreasing the cost of the insurance policy.

What is KBM?

One of the coefficients that influences the cost of an MTPL policy is the KBM - bonus-malus coefficient. Its size is determined by the professionalism of the car owner, which is expressed by the degree of accident-free driving.

If in the year preceding the registration of an insurance policy, the car owner has not committed a single accident, then he can count on a significant discount. If the driver was involved in an accident, which resulted in compensation for damage by the insurance company, when calculating the cost of the policy for the next period, the insurer will apply an increasing CBM, which will entail an increase in the cost of issuing an MTPL policy.

ensures a reduction in the financial risks of insurance companies, including reducing the number of requests for compensation for minor damage;
encourages drivers to drive without accidents.

Of course, no KBM guarantees that the car owner will not get into an accident due to the fault of another driver or pedestrian. However, the presence or absence of fault in an accident is a significant factor that insurance companies take into account when determining the BMI for a particular client.

KBM is not used and, accordingly, does not affect the cost of the policy when issuing compulsory motor liability insurance for:

trailers;
transit vehicles;
vehicles registered in other states and temporarily registered in the Russian Federation;
period less than a year.

How will the BMI change after an accident if the driver is at fault?

How much the cost of the MTPL policy will change during accident-free driving or, on the contrary, after an accident due to his fault, the car owner can determine independently. Insurance companies use BMR values, which are calculated using a special table. The starting bonus-malus coefficient is equal to one.

How does the compulsory motor insurance policy change after an accident? Calculation. Is it possible and how to restore it?

The MPV does not always increase if you are involved in an accident. Its value does not depend at all on the accident, but specifically on the insured event - that is, if you are found guilty, and the victim applied and received payment under compulsory motor liability insurance.
The coefficient is calculated according to the table approved by the Central Bank.
Even if you have the maximum accident-free discount, then if you get into an accident 3 times in a year, you will already reach the highest value of the coefficient.
A changed BMR can be restored to its previous value, but not in all cases.

If you get into an accident, the cost of your MTPL policy for the next insurance period changes. But not in all cases. In the article we will find out for whom, and, most importantly, by how much the BMR decreases and, accordingly, the coefficient by which the base tariff is multiplied when calculating in 2019 increases. We will also provide examples of calculations.

Have you been involved in an accident – does the BMI always change?

No. But first, let's find out what it is - KBM!

This is the bonus-malus coefficient, which is used when calculating the MTPL policy when purchasing it for a car.
That is, when determining the cost of insurance, we first take the base tariff, which the insurance company sets independently, but within the corridor established by law from 2,746 to 4,942 rubles for passenger cars of individuals in Russia.

Further, when calculating, this fixed amount is multiplied one by one by certain coefficients. As of 2019, out of a total of 7:

coefficient of the region of registration in Russia,
KBM - depending on the existence of an insured event,
limited or unlimited for MTPL drivers,
age and experience,
machine power,
seasonality of car operation,
insurance period.

All of them are applied one by one in the same order as presented in the list above. That is, we take, for example, a base tariff of 4,000 rubles, and if the owner of the car lives in Moscow, then we get a coefficient of 2 - that is, the cost in the calculation increases by 2 times - up to 8 thousand. Further, for example, a person has never been in an accident over the past 8 years, then a BMR of 0.6 is applied - that is, we multiply 8,000 by 0.6 and get 4,800 rubles. And so on until the last coefficient.

But in any case, the final price of MTPL insurance should not exceed 3 times the base rate.

Thus, KBM is the dependence of the cost of the policy on the number of insured events. Its current value is stored in the RSA (Russian Union of Automobile Insurers) database, and is requested by insurance employees every time they calculate the cost of your policy.

Many car enthusiasts popularly call this coefficient a “safety discount”, which in general is not entirely true, because:

KBM does not directly depend on road accidents,

there may be not only a discount, but also an increase in cost if you often get into accidents and are the culprit in them.

So, the KBM does not always change after a traffic accident, but only under the following conditions:

you are found to be at fault for the accident,
as a result of the accident, the injured party applied for insurance compensation - that is, the BMI does not change from the mere presence of an accident, there must be an insured event - that is, payment or referral for repairs; Simply put, the insurance company must suffer a loss.

What if it's not my fault?

Then the KBM will not grow for you and will not change in any way. The fact is that this coefficient is designed to motivate car owners to comply with traffic rules and get into fewer accidents. That is, if you often find yourself at fault in road accidents, then your insurance becomes more expensive.

If you are not guilty of anything, then compulsory motor liability insurance should not change for you. Logical? Quite!

If the guilt is mutual?

In this case, regardless of the degree of guilt in the accident, the bonus malus will increase for all its participants. Alas, even an increase in the BMC by smaller values depending on the degree of mutual guilt of each participant is not provided for. Even if you are only 1% guilty, the BMR will change the same as for a 99% culprit.

How is the KBM changing? Table

So, now we know that the accident-free discount will increase only if you are the culprit of the accident, and the victim contacted the insurance company and received compensation under compulsory motor liability insurance.

Insurers (to be more precise, the Central Bank) have long ago calculated everything and come up with a fixed table for changing the BMI depending on insured events. It was last changed in April 2019 and today looks like this.

The KBM itself is highlighted in color - that is, its meaning when purchasing an MTPL policy,
The coefficient values are highlighted in red when they increase the cost of insurance,
blue – the original BMI, if you were not previously insured, or you had a break for more than a year (when it resets to zero),
and green - the coefficient values when they reduce the cost of insurance,
all columns to the right of the first are the number of accidents in the insurance period and how they increase the value for the next year.

How does the cost of MTPL insurance change after an accident?

The ever-increasing number of cars on the roads leads to an increase in the number of accidents. Taking out a car insurance policy will not only help you comply with the law, but also protect yourself from financial losses. But insurance changes after an accident. The initiator of the incident and the injured driver should understand the intricacies of price changes.

How does a road accident affect the cost of compulsory motor liability insurance?

The presence or absence of emergency situations for the policyholder is characterized by the KBM indicator. If there are no car accidents for a long time, the value of the coefficient decreases.

On the contrary, in the presence of accidents, the BMI increases due to the fact that the insurer needs to compensate the damage to the injured party. This is associated with financial costs on the part of the insurance company, so the price of an auto insurance policy for the initiator of the accident will increase. And on the contrary, careful, accident-free driving of the insured citizen helps to increase the insurer's profits. Insurance organizations encourage such citizens by lowering the cost of compulsory motor liability insurance. Moreover, the cost of car insurance will also increase if the driver applies for new insurance from another insurance company.

The application of the CBM allows legislators and insurers to achieve the following goals:

stimulating drivers to drive more carefully on the roads;
if a car collision causes minor damage to the vehicle, then drivers can solve the problem without contacting the insurance company;
motivating citizens to drive without accidents.

A citizen who has been found injured in a car collision should not fear an increase in the price of car insurance. He is not to blame for the emergency, so the KBM will not be recalculated upward. This rule also applies to cases where the initiator of the accident and the injured person took out auto insurance policies from the same insurer.

The guilt of a citizen in an accident is established by a court decision. If during court proceedings the driver is able to prove his innocence, then the next time he issues a motor vehicle policy, you should count on a discount.

How much will insurance cost after an accident if you were the culprit of the accident?

The value of the BMR is influenced by the number of car accidents due to my fault in which my car was involved, and in which I was found guilty during the validity of the auto insurance policy.

Each accident is considered individually. The insurance company creates a commission that makes a decision on the application of an increasing CBM indicator for the citizen at fault in the collision.

The actions of the commission are determined by the following laws:

Civil Code of the Russian Federation;
Federal Law of the Russian Federation No. 40 “On OSAGO”;
Federal Law of the Russian Federation No. 4015-1 “On the organization of insurance business in the Russian Federation.”

If violations of the above acts are detected, the owner of the car must obtain evidence of the violation. After this you can go to court. There is no point in appealing against the actions of insurers if:

the owner of the vehicle left the scene of the accident;
in the past, the citizen did not comply with the legal requirements for obtaining a compulsory motor third party liability insurance policy;
the policyholder provided the insurer with false information about the car accident;
the citizen deliberately provoked a collision;
When the accident occurred, the driver was under the influence of alcohol or drugs.

Upon initial contact with the policyholder, the driver is assigned class 3. The KBM is 1. Each year of accident-free driving increases the class by one, and the price of the auto insurance policy decreases by 5%. If there is an accident, the situation changes. One incident is the basis for assigning the owner of the vehicle first class.

If there are several emergency situations, the driver will be assigned class M. The indicator increases to 2.45. The cost of subsequent auto insurance for the at-fault driver will cost 145% more.

Less stringent measures are applied to the owner of the car, who over a long period of time did not become the initiator of an accident and used the services of one insurer. For citizens who have driven for one year without a car accident, the BMR will change downward, which will increase the discount. Moreover, if for 10 years the driver has not committed a single accident, but during the last period of car insurance he was the culprit of 2 accidents, then the class is not assigned below the standard one.

Policyholders need to know that the BMR indicator is affected by the number of car accidents during the validity of the auto insurance policy. It is a mistake to believe that the amount of the insurance premium is affected by road accidents committed during the year.

How long does the increased tariff for compulsory motor liability insurance last after an accident?

The duration of the increased BMR after a vehicle collision is influenced by the period of validity of the insurance agreement. Basically, citizens purchase compulsory motor liability insurance for 12 months.

The duration of application of the increased coefficient to the driver corresponds to the period of validity of the contract. After the expiration of its validity period, insurers recalculate the BMR up or down.

The policyholder is advised to monitor the recalculation of the indicator, since the insurance company may use an incorrect calculation method. Through their actions, insurers are trying to increase the cost of car insurance. Often, insurance companies do not indicate in the agreement for the purchase of a motor vehicle the period of validity of the increased value of the BMR. Also, a technical error by an insurance employee can lead to incorrect calculations.

Auto insurance experts recommend that drivers handle settlements in person. In this case, you need to know the date of signing the agreement and purchasing the auto insurance policy. You should also find out to what extent the effect of the indicator is determined by agreement.

In a number of situations, bonus malus is not used and does not affect the cost of car insurance:

if compulsory motor liability insurance is issued for the trailer;
transit transport is insured;
insurance period is less than 12 months;
A car registered in another country is insured, but it is temporarily registered in the Russian Federation.

Is it possible to avoid increasing the price of OSAGO after an accident?

Knowing that after a car collision they will have to buy an insurance policy at an inflated price, many drivers try to find ways to avoid this. In past years, car owners could influence the cost of a car title in the following ways:

it was possible to obtain car insurance from another company;
the new insurer was not provided with information about the car accident;
registration of car insurance for another citizen.

Most often, those responsible for road accidents used the latter method. But it could only be used if several drivers were registered on the vehicle registration form. Insurers recalculated the coefficient upward only for the citizen who was at fault for the car collision.

So that when you subsequently purchase a car insurance policy, its price does not increase, the culprit of the accident is not included in the insurance. Accordingly, no increase in BMR was used. This technique was common among citizens in marital relationships.

But after insurers began to use the Unified RCA system, the use of the above methods became impossible. Currently, a citizen will be able to avoid purchasing an insurance policy at an inflated price in one way. It is necessary to behave carefully and carefully on the roads, without provoking an accident.

Insurance and regulatory structures monitor the adjustment of coefficients. Offenses are detected in a timely manner. Information about a car accident falls into a unified system within 15 days from the date of the accident.

Next, the insurer will need to indicate the driver’s license details in the program, after which all information about the vehicle owner will become available. Some car owners manage to get a new car insurance policy without using the suspended indicator. This opportunity is provided only if information about the accident has not yet entered the RSA system.

In relation to the citizen at fault for the car accident, the MSC does not change upward if he manages to convince the other participant in the accident not to contact the traffic police and insurers. But to do this, the culprit will have to independently compensate for the damage caused to another car.

This technique is considered very risky. Drivers rarely agree to such concessions to a citizen responsible for an accident. The risks are that a verbal agreement cannot guarantee the fulfillment of obligations to compensate for damage caused to the car. It is recommended to resort to this method only if the damage caused to the vehicle in monetary terms is less than the price of further car insurance.

If a citizen responsible for a car accident deliberately tries to mislead the insurer in order to avoid increasing the cost of car insurance, then punishment will follow.

Administrative measures are applied to the offender. In extreme cases, the driver is subject to criminal prosecution.

The person at fault will not be able to avoid the increase in the cost of car insurance after a car accident. To save money, it is recommended to drive carefully on roads, observing traffic rules.

How much will insurance cost after an accident?

There is no driver who deliberately chooses to get into an accident and cause harm to others. But as a car owner, it is impossible to predict events that occur on the roads, including road accidents. To avoid incurring significant financial losses, drivers must protect their liability by obtaining a compulsory motor liability insurance policy. Although such insurance will not be able to prevent a car accident, it will help the culprit pay the victims.

Having insured, the car owner begins to feel more protected, but the price of such protection is sometimes not at all pleasing. Many people do not understand why the amount of the insurance premium changes during the next policy renewal. In this article we will try to understand how much insurance will rise in price after an accident due to your fault and why this happens.

The influence of KBM after an accident on the cost of insurance

The price of a vehicle license form is related to many indicators and the base tariff. But only the BMR changes from year to year. This means that motor vehicle liability (MTPL) increases in price and decreases solely based on the bonus-malus coefficient.

This parameter significantly affects the cost of insurance, but the impact can be negative or positive. If a traffic accident occurs under compulsory motor liability insurance, in which the policy holder is at fault, then he will be punished in the future. That is, after an accident, the cost of his insurance will increase, which means that an increasing OSAGO coefficient will be applied during the calculation.

But if the driver has been regularly taking out insurance for at least 3 years and has been involved in a car accident for the first time, then the price of the policy will change, but the insurance premium will be calculated without increasing its size, but simply without discounts. In the event of a second car accident within one insurance period, the discount will turn into a punishment and the insurance premium will become higher.

For example, the driver renewed the insurance contract at the end of December 2016. At the time of signing the agreement, he was assigned a KBM coefficient equal to class 5, which corresponded to a 10% discount. The following spring, he caused an accident, and the insurance company paid compensation to the victims. This means that from January 1, 2018, after the conclusion of a new contract, the MTPL discount was equal to 10%, but now it will not be, since the driver’s class will be reduced.

How is the bonus-malus ratio calculated?

It is clear that the MTPL coefficient will decrease after an accident, but why does this happen? Insurance companies selling auto insurance policies do not want to have unprofitable customers. Since they do not have the right to influence the tariffs for the cost of compulsory motor insurance, they are given the opportunity to punish careless drivers.

Insurance organizations use an accident rate, which increases in case of an accident (punishment) and, on the contrary, encourages when driving without car accidents. When compulsory motor liability insurance is calculated for a new insurance period, the insurance company’s agents will find out the emergency indicator from the unified information base of the Russian Union of Auto Insurers (RSA).

Everyone has the right to check the current bonus-malus class on the RSA portal. Drivers have the right to make calculations using the MTPL calculator and find out the KBM, as well as use a single table.

To use the second option, you need to know the number of accidents and the number of years of continuous insurance under MTPL. A unified table of coefficients is available on the RSA website.

For the first time, it is easier for the insured driver to determine and understand how the CBM changes, since during the first liability insurance, he will be assigned class 3, which does not affect the cost, since the coefficient is equal to one.

But due to a car accident, during the renewal of the contract, he will have to overpay for the policy by 55%, the class will be reduced to one, and the coefficient will be equal to 1.55. This point is easy to see from the table.

The example indicates that the driver has an initial 3rd class with a coefficient of 1, without a discount (i.e. it is equal to 0%). Having become the culprit of a car accident, the class is automatically reduced to 1, which means the amount of the insurance payment will increase, since up to the third class there are coefficients that increase the price of the policy.

How long does the MTPL increasing coefficient last after an accident?

From all that has been said, it is clear why the price of car insurance is increasing, but the increase in the coefficient does not last forever. Thus, the impact of an accident on the cost of compulsory motor liability insurance is temporary and the policyholder himself becomes involved in this. When a driver wants the price to return to its previous state for the next year of insurance, and, if possible, a discount to appear, he cannot become guilty of a car accident during the new insurance period.

Consequently, if you don’t get into an accident, instead of class 3, you will be assigned class 4, which means the coefficient will decrease and the discount will increase by 5%. The coefficient will change due to an accident and other incidents cannot affect it.

But the driver cannot influence the validity period of the increasing MTPL coefficient. This means that the increase in KBM will haunt him until the start of the new insurance period. Simply put, the MTPL increasing coefficient applies after an accident exactly until the moment of reinsurance.

Therefore, it does not matter when exactly the traffic accident occurred, at the beginning of the insurance period, the middle and the end, because as soon as the driver buys new insurance, the KBM will recalculate and assign a new one.

Is it possible to avoid price increases after an accident?

All MTPL increasing coefficients reflect the driver’s driving accuracy. This means that the driver is able to regulate the price of the policy himself. By participating in an accident as the culprit, it will not be possible to avoid an increase in the price of the policy, since compulsory motor liability insurance after an accident, or rather, data on incidents is stored by insurers and in the RSA database.

This means that when the car insurance premium increases, the car owner will not be able to escape the penalty. Previously, the driver who was at fault was discharged from the existing compulsory motor liability insurance policy and the insurer was changed. But now such actions are useless, since the increased coefficient for an accident is stored in an electronic database, to which everyone has access, which means it will not be possible to reset the class.

Only those with at least 1 year of accident-free experience can hope for a discount. Their insurance will cost significantly less than the cost of car insurance for a careless driver.

Through my own fault

When planning to buy insurance from a new insurer, you should not hope that he will not find out about your class of insurance policy and will not take it into account during the calculation. The increasing coefficient, due to which the insurance price will increase, applies exclusively to careless drivers.

Therefore, if you get into a car accident, but become a victim, the insurance will become more expensive exclusively for the initiator of the accident. Because the cost will change depending on who is at fault for the accident, and the victim will be forced to repair the car at the expense of the insurance company and waste time.

In general, the cost of insurance is directly affected by an accident, but only if the accident occurred through your fault. In other cases, insurers encourage drivers and charge a 5% discount annually. Car owners and drivers can control the price of the policy themselves for the future insurance period.

To this end, it is necessary to adhere to traffic rules, avoid emergency situations and try to solve the problem on the road yourself (if possible), without attracting the attention of the insurer.

What to do if OSAGO does not cover damage

When applying for insurance, the presence of driving experience, the class assigned to the driver, as well as other coefficients established by law, affect the amount of the insurance premium. But having paid a lot of money, drivers are often dissatisfied with the fact that insurance payments in case of an accident are not able to cover all expenses.

Typically, when involved in an accident, the victim acts like this::

A driver injured in a car accident must contact his or the at-fault party’s insurance company (depending on the situation) to receive insurance payments.
Documents for insurance payment confirming the fact of a traffic accident are provided to the insurer's office (certificates from the traffic police, notice, protocol, etc.).
The insurance company must carry out an examination within the prescribed period and, based on it, send the damaged car for repair to a service station.
When the examination carried out by the company is not satisfactory, it is necessary to hire another independent appraiser.
If there is a significant difference between the experts’ reports, an assessment report must be sent with a request to revise the number of payments to the insurer.
If the application is refused or ignored within 5 days, the policyholder has the right to file a claim in court.