Who controls insurance companies under compulsory motor liability insurance?

State bodies exercising control over insurance activities:

The Bank of Russia Service for Financial Markets is a division of the Bank of Russia, created by decision of the Board of Directors of the Bank of Russia dated August 8, 2013 in connection with the integration of the Federal Service for Financial Markets into the structure of the Bank of Russia.

Contact Information:

Phone: (495) 935-87-90 multi-channel
Fax: (495) 935-87-91
www.fcsm.ru
Address: 119991, GSP-1, Moscow, Leninsky Prospekt, 9.
The service is headed by Sergey Anatolyevich Shvetsov .

The Federal Insurance Supervision Service (FSSN) is an insurance supervisory body that exercises control over the activities of insurance entities (insurers, insurance brokers).
The main task of the Federal Insurance Service is to monitor the implementation of insurance legislation. It also regulates insurance activities, including issuing, revoking, suspending and limiting licenses of insurance organizations by issuing appropriate orders. From September 1, 2013, the Federal Service for Financial Markets is abolished (Decree of the President of the Russian Federation dated July 25, 2013 No. 645).

Contact Information:

FSSN help desk: +7 (499) 251-32-02
Issues of supervision over the activities of insurance organizations: +7 (499) 251-50-55
Fax: +7 (499) 251-18-58
e-mail: [email protected]
www.fssn.ru
Address: 125993, Moscow, Miusskaya square, 3, building 1
Head: Koval Alexander Pavlovich

The Russian Union of Auto Insurers (RUA) is a non-profit organization, an all-Russian professional association of insurers providing compulsory civil liability insurance for vehicle owners.
Carries out its activities in accordance with the Federal Law “On Compulsory Insurance of Civil Liability of Vehicle Owners” No. 40-FZ dated April 25, 2002. (Law on Compulsory Motor Liability Insurance). Only those insurance companies that are members of the RSA can obtain a license to draw up MTPL contracts.

ensures the interaction of its members when they carry out compulsory insurance
makes compensation payments to victims in accordance with the constituent documents of the professional association and the requirements of the law

Contact Information:

Who and how is supervision of insurance activities in the Russian Federation carried out?

Insurance activities in all countries of the world are under government supervision, due to the fact that at the present stage of development, the insurance system is very significant for the economic and social life of the entire society.

People want to feel protected and confident in the future; they enter into life, health, property, and liability insurance contracts with insurance companies.

Insurance companies accumulate large funds by managing the money of policyholders.

In order to monitor the quality of the insurance services provided and the reliability of the insurance company, the state regulates the activities of insurance organizations through insurance supervision.

Why is insurance supervision needed?

The state is interested in the development of insurance activities.

This is due to two main reasons:

a developed insurance system is capable of providing important national economic tasks: compensating citizens for losses in the event of emergency situations, thereby not emptying the state budget, investing temporarily free funds from insurance funds in the real sector of the economy, the production sector;
Citizens of the state - policyholders, investing their money in insurance funds through the conclusion of insurance contracts, must be confident in their reliability, and need state protection from insurance fraud.

Insurance supervision is one of the forms of state regulation of the activities of insurance organizations, control over compliance with legislation in the field of insurance, in particular insurance rules, the legality of issuing a license to carry out insurance activities, etc.

Insurance supervision is necessary to control the activities of insurance companies in order to eliminate fraud in the field of insurance services, monitor compliance with insurance legislation by insurers, and carry out licensing and accreditation of professional participants in the insurance market.

Which body carries out supervision?

From September 1, 2013 to the present, insurance supervision in the Russian Federation is carried out by the Insurance Market Department under the Central Bank of the Russian Federation .

Main functions of the supervisory authority:

improvement of insurance legislation, standardization rules, methods and other documents regulating the insurance market in the Russian Federation;
supervision of compliance with legal requirements by insurance market participants;
calculation of tariff rates by type of insurance, as well as control over the tariff policy of insurance organizations;
coordination of trade unions of insurers;
control of insurance market entities in terms of preventing their bankruptcy and restoring solvency.

Which bodies carried out control previously?

The first insurance supervision body appeared back in 1894 - the Insurance Committee under the Ministry of Internal Affairs.

In 1925, the Presidium of the Central Executive Committee of the CPSU approved a new supervisory body - Gosstrakh , which was subsequently renamed Rosstrakhnadzor and existed until 1996.

In 1996, supervisory functions were transferred to the Department of Insurance Supervision of the Ministry of Finance of the Russian Federation.

In 2004, the functions and powers to carry out insurance supervision in the Russian Federation were transferred to the Federal Insurance Supervision Service under the Ministry of Finance.

In 2011, according to the decree “On measures to improve state regulation in the financial market of the Russian Federation,” the Federal Financial Markets Service was abolished, and supervisory functions were divided between the Federal Service for Financial Markets (FSFM) and the Bank of Russia.

In 2013, another reform took place and the insurance market department under the Central Bank of the Russian Federation received supervisory functions.

Functions of supervision of insurance companies in the Russian Federation

Development and improvement of draft regulatory legal acts in the field of insurance activities.
Official clarifications, comments, clarifications of legal acts relating to insurance.
Monitoring compliance with insurance legislation.
Application of sanctions to insurance market participants who violated the requirements of insurance legislation.
Implementation of methodological guidance of ministries, departments of the Russian Federation, executive authorities in the constituent entities of the Federation in the field of insurance.
Implementation of a unified state policy in the insurance sector.
Licensing and professional accreditation of insurance market participants.
Representing the interests of the Russian Federation regarding insurance in international insurance supervision organizations.
Protection of dangerous social risks through compulsory types of insurance .
Control over solvency, investment activities, tariff policies of insurance organizations.

What are actuarial calculations in insurance, who makes them and what they influence.

Read about the history of the emergence of insurance during Tsarist Russia and the development of insurance in the USSR and our days HERE.

Licensing and professional accreditation

Licensing is a mandatory form of state supervision of the insurance services market. Without a license, an insurance company has no right to carry out insurance activities and provide insurance services.

A license is an official document that certifies the insurer’s right to conduct certain types of insurance on the territory of the state or on a part of its territory declared by the insurance organization.

A license is issued by the insurance market department of the Central Bank of the Russian Federation on the basis of an application, constituent documents, information about the financial condition of the insurance company, rules, calculations and other documents for an unlimited period. But it can be revoked or suspended by order of the supervisory authority in relation to insurers who do not fulfill their obligations in good faith.

Professional accreditation of insurance market participants (banca insurance) – selection of insurance organizations by banks for cooperation.

When a bank and an insurance company create a bank insurance group, they can offer their clients deals on more favorable terms , as well as first-class service. Banks sell insurance services as related services, for example, insurance of property purchased on credit.

Insurance supervision is an important element of state regulation of the activities of insurance organizations in the Russian Federation.

The insurance market is not static, it is expanding, new insurance products and services are appearing, and insurance company funds are accumulating huge funds from policyholders.

It is very important to eradicate fraud and corruption in the insurance market so that the state can guarantee citizen-insurers the reliability of their investments.

Where can I complain about an insurance company under compulsory motor liability insurance?

Judging by many comments that can be found on the Internet, it becomes clear that not all motorists in Russia know where to complain to the insurance company if their legal rights have been violated. And this happens both on issues of compulsory and voluntary insurance.

At the same time, people, faced with similar problems, threaten to sue and deal with negligent insurance companies. But we should not forget that such a development of events will require not only money, but also time and, unfortunately, nerves. Therefore, we will consider where to complain about the insurance company without taking the matter to court.

First steps

Sometimes it is very easy to deal with the situation. After all, an insurance company consists of employees. And if the unlawful actions of any of them led to a violation of the rights of the car owner, then the insurance company itself is the first instance where to complain about the insurance company. Rosgosstrakh, Reso-garantiya or any other insurance company is obliged to give a written response. If you receive a refusal or are not answered at all, then you need to complain further. In this case, it is better if you still have a notice of sending a complaint to the insurance company.

Currently, the only government agency charged with the relevant responsibilities controls the activities of auto insurers. It also owns the function of issuing licenses to insurance companies. This organization is the Central Bank of the Russian Federation. His responsibilities also include setting MTPL tariffs and spare parts directories. The Central Bank checks the financial viability of insurance companies. If necessary, he can suspend the license or revoke it altogether. Moreover, in recent years, the Central Bank has also often appointed temporary management to those companies that it considers problematic.

How does it help policyholders?

It turns out that Russian insurers are completely dependent on the Central Bank. Thus, the main authority where to complain about the insurance company if necessary is he.

If you accurately and correctly formulate and send a written claim, you will soon receive a response and see the measures taken against the insurance company. Among the sanctions, the Investigative Committee may expect to impose a significant fine.

But do they help in any way?

However, one cannot fail to mention the assistance that car owners receive from professional associations of insurers. And although the main support is informational, even this can be very effective. The site, for example, lists all laws and other regulations related to the field of auto insurance. You can also find other useful information here.

You can calculate how much a future compulsory insurance policy will cost. There are also directories on the site that indicate the cost of spare parts. This will allow you to calculate the most accurate amount of money for all the parts necessary for the restoration work that the car requires after an accident.

But it is obvious that this is not the authority where you should complain about an insurance company for VHI or life insurance if these services are imposed upon purchasing a policy.

Rospotrebnadzor

Can you count on the help of Rospotrebnadzor if controversial situations arise between the insurer and the policyholder? Based on the essence of the policy, the car owner is a consumer. That is why the authority has the right to help them. And such facts happened when the organization stood up for the rights of car owners.

The Ministry of Finance, in turn, in case of problems with compulsory motor liability insurance or the imposition of additional insurance, has its own recommendations on where to complain about the work of the insurance company. Complaints based on these recommendations should only be submitted to the Central Bank. At the same time, car owners can also contact Rospotrebnadzor.

If all else fails

In addition, there is another powerful authority. This is the prosecutor's office. Its employees are obliged to respond to violations of the rights and freedoms of car owners. This is the authority where you can complain about an insurance company under CASCO or OSAGO. But if there is no evidence of the company’s guilt, then it is useless to contact them. Evidence may include, for example, eyewitness testimony of violations. In addition to complaints regarding CASCO and OSAGO, you can also complain here about the inappropriate behavior of insurance company employees, for example, if there was rude treatment of clients. In this case, offenders can expect a substantial administrative fine.

Conclusion

Thus, it turns out that despite the official recommendation to file complaints against auto insurers only with the Central Bank of the Russian Federation, there are many authorities where car owners can complain if their rights are violated.

When choosing where to go, proceed from the type of violation that was recorded against you. It is also desirable that the complaint be supported by evidence. Then the insurance company will no longer be able to get away with it.

Who controls MTPL insurance companies?

Hello, in this article we will try to answer the question “Who controls MTPL insurance companies.” You can also consult with lawyers online for free directly on the website.

The name of the document is designated in the middle of the sheet as “application” or “complaint”. This is followed by the main part of the statement, in which you need to describe in free form, but in detail and completely in chronological order, the essence of the emergence and development of the problematic issue.

As an option, contact the traffic police for clarification of the procedure in writing and, having received a written response, appeal it to the Prosecutor's Office.
I have a question: Where should I go about MTPL violations? By what right did they reset the KMB to class 5, although in 2012 it was class 10! I have no violations for road accidents!

Control and audit of insurance activities

Insurance companies with which citizens have entered into an agreement must fulfill their obligations under it.
The insurer's responsibilities include inspecting property damaged in an accident, determining the amount of damage and the cost of repairs, and calculating compensation for damage caused to the victim and the car. It sets out in detail the details of resolving issues and complaints if the insurance company fails to fulfill its obligations.

Organizations exercising control over insurance activities: FSSN - Federal Supervision Service (insurance supervision, Rosstrakhnadzor, insurance inspection), RSA - Russian Union of Auto Insurers).

Some issues can be resolved through dialogue (oral or written) with the insurer. When this measure does not lead to a reasonable desired result, an external arbiter must be used to resolve the issues. They are the state represented by regulatory authorities and specialized public organizations.

Extremist and terrorist organizations banned in the Russian Federation: “Right Sector”, “Ukrainian Insurgent Army”, “ISIL” (IS, Islamic State), “Al-Qaeda”, “UNA-UNSO”, “Mejlis of the Crimean Tatar People”, "Jehovah witnesses"…

Who can complain about the insurance company under compulsory motor liability insurance?

The city of Taganrog, like the entire Southern Federal District, was left without compulsory motor insurance. The authorities don’t care. The Internet has been making noise about this for three months now, but anti-corruption fighters are on the defensive. Only letters to the Presidential Administration resolve issues, are there no other authorities?

Here, according to paragraph 21 of Art. 12 Federal Law No. 40 “On Compulsory Civil Liability Insurance”, the insurance company undertakes to pay 1% of the amount of compensation for each day of delay.

Who founded the RSA? Insurers. What can RSA do for them? That's right - wag your finger. All. You can complain.

Where can I complain about an insurance company under compulsory motor liability insurance?

Paragraph 1 states that the policyholder must demand payment of the insurance in full before filing a claim.

Another body to whom you can complain about an insurance company under compulsory motor liability insurance is the RSA. The Russian Union of Auto Insurers accepts requests from citizens who were refused to purchase an auto insurance policy without explanation. Also, through it you can solve problems related to payments for road accidents in the presence of culprits - foreign citizens.

Moscow, st. Neglinnaya, 12, call the Central Bank contact telephone number: +7 (495) 771 91 00. The applicant’s claims are supported by documents. The period for consideration of the application by the Central Bank is 1 month, then the Bank is obliged to make a written decision on this issue. The answer may be positive or negative for the applicant.

Central Bank (Bank of Russia). As the above term “global” implies, it should, in fact, check absolutely everything.

How and where to complain about an insurance company

Insurers really do not like to make insurance payments, despite the fact that they promise to do this when they take money from you when concluding a contract. Where can you complain about an insurance company when the payment is so small that you can’t even talk about buying spare parts, let alone paying the entire cost of repairs?

The main functions of the FSSN include: licensing - issuing and canceling licenses to carry out insurance activities; maintaining a unified state register of business entities; monitoring compliance with the legislation of the RSA - Russian Union of Auto Insurers.

A complaint filed with the Central Bank of the Russian Federation against an insurance company must be substantiated by a written refusal of the insurance company or attached written testimony, video or audio materials confirming the fact of the refusal.

Insurance companies are given 5 days by law to consider a complaint, during which they are required to give a written response to the applicant with a detailed justification for the refusal or satisfaction of his requirements. Receipt of a refusal letter is a legal basis for filing an application with the next authority, supervisory government agency or court. The final authority will not accept the statement of claim for execution unless it is accompanied by an official refusal from the insurance company to compensate for damages. You can send an application in two ways:

By mail, as a registered letter with notification.
Via the Internet on the insurance company's website by filling out a special form on the feedback page, or by email by sending a letter to the company's email address.

Thank you for the detailed and informative instructions for action. Apparently, not only in Russia is everything so confusing, but in Ukraine the situation is similar.

In cases of violation by the insurance company of the legal rights of policyholders and victims, the law establishes a procedure for appealing the actions of the insurer.

The issue of penalties is dealt with in points four and five. It is charged at the rate of 1% of the insurance premium for each overdue day. But the penalty does not exceed the amount of the cost of the MTPL policy. If the insurer fulfilled its obligations in full or the terms were violated due to the fault of the policyholder, as a result of force majeure, the court has no right to charge it.

FULL NAME. applicant, address, contact telephone number; description of the essence of the problem; numbers of the compulsory motor liability insurance agreements of the tortfeasor and the victim; date of the traffic accident; date of submission of the application to the company; indicate the company whose actions you need to understand; applicant's signature.

In what cases should a complaint be filed against an insurance company?

It turns out that Russian insurers are completely dependent on the Central Bank. Thus, the main authority where to complain about the insurance company if necessary is he.

The problem is systemic in nature and its roots lie, in my opinion, in the amorphous nature of the system itself. Thus, a vicious circle arises. But this does not mean that we should contemplate all this in silence.

You can also write complaints to the Central Bank of the Russian Federation about disagreement with the amount of prescribed payments for an accident, but initially it is recommended to go to court.

The Russian Union of Auto Insurers (RUA) does not have an online reception, and to submit a complaint you need to print it out, sign it, and send the signed scan to the email addresses of both the Central Bank of the Russian Federation and RSA - the bodies that control the activities of companies in the field of compulsory motor liability insurance.

Where to complain about an insurance company under MTPL

If you encounter problems when purchasing a compulsory motor liability insurance policy, take ten minutes and send complaints to the regulatory authorities.

You can write by registered mail (necessarily with acknowledgment of delivery and, if documents are attached, with the declared value) or online through a feedback form, a form specifically designed for complaints, which is available on the website of serious companies, such as Rosgosstrakh, VSK, on the Internet , or by email, whichever is more convenient.

Protect your rights by any means not prohibited by law: complain, sue, seek clarification from supervisory authorities, etc.

You can complain about the insurance company to the following organizations (the list is presented in ascending order of authority):

The insurance companies themselves.
Central Bank of Russia.
RSA (Russian Union of Auto Insurers).
Federal Consumer Protection Service Rospotrebnadzor.
Antimonopoly Service FAS.
Prosecutor's office.
Court.

Who should I complain to about my car insurer?

This is a non-profit organization, a union of auto insurers. Carrying out its activities in accordance with the Federal Law, they delay the payment of compensation or completely refuse to pay insurance compensation.

It often happens that the opinion of an employee in a particular office does not coincide with the opinion of the company’s management. Sometimes a conversation with the head of a company department will be enough.

Make an independent assessment of the amount of damage and contact the insurance company with a pre-trial claim. But first you need to submit a claim with supporting documents to the insurance company. It will be reviewed within 10 working days from the date of receipt.

Comment. If the situation is controversial or a refusal is received everywhere, go to court, but this will no longer be a complaint, but a statement of claim. But court proceedings, as a rule, take longer and often require additional expenses, which, however, if you win in court, the insurance company will pay.

The MTPL insurance policy is a guarantor of protection for many citizens. Motorists are confident that if unpleasant situations arise on the roads, they will receive legal and financial assistance. Imagine their surprise when insurers do not fulfill their obligations.

Irresponsible work of insurance companies: where to complain?

When filing a complaint with the RSA, it is worth considering that this organization accepts requests only on issues of compulsory motor liability insurance and insurance within the framework of the Green Card system. RSA does not consider other complaints, for example regarding CASCO.

Unfortunately, this often occurs under compulsory motor liability insurance. The activities of an insurance company are clearly regulated by law, so any of its actions is taken for granted. But there are authorities - levers of pressure on insurance companies. You should know when and where to complain about the insurance company under MTPL. This is what this article will discuss.

Copies of letters sent to the Central Bank and RSA also need to be sent to the insurance company to managers from the head office.

How to complain about an insurance company under MTPL?

Due to the failure of the insurance company to fulfill its obligations under the compulsory liability insurance contract, the policyholder may file a claim, write complaints to government agencies and go to court. Complaints about compulsory motor liability insurance to government agencies are one of the effective ways to stop violation of the rights of the policyholder and the laws of the Russian Federation by the insurance company. Where can I complain about an insurance company under compulsory motor liability insurance? How can I submit appeals and when can I expect a response?

Grounds for filing a complaint

According to statistics from the Central Bank, which is the regulator of the insurance market, citizens file about 3-4 thousand complaints against insurance companies every month. In September 2018, the number of requests amounted to 3,200, of which 2,600 related to issues related to compulsory motor liability insurance. The share of complaints on various problems of compulsory “motor citizenship” on average per month is about 70-80% of the total number of applications to insurance organizations. The main reasons for applying are the following:

Incorrect determination of the bonus-malus coefficient;
Inability to purchase an electronic MTPL policy;
Violation of the deadline for payment of compensation by insurance companies;
Imposition of additional services;
Unsatisfactory quality of car repairs within the framework of in-kind compensation under compulsory motor liability insurance;
Refusal to pay insurance;
Unlawful reduction of the payment amount;
Refusal of employees to enter into a compulsory insurance contract;
Disagreement with the amount of insurance paid.

On average, about half of all complaints regarding compulsory motor liability insurance received by the Central Bank concern the issues of establishing the BMR and the application of discounts when calculating the cost of the policy based on it. According to Rospotrebnadzor statistics for 2017, the authority received 3,298 complaints related to violations of the rights of policyholders. This is 17% of the total number of complaints to this structure. In total, in 2017, all departments received more than 38 thousand requests regarding compulsory motor liability insurance.

How to file a complaint against the insurance company?

Before contacting an authorized authority, the vehicle owner must try to resolve the issue with the insurance company independently - by filing a claim addressed to its manager. It must be accompanied by documents confirming the existence of disagreements between the parties or the policyholder’s disagreement with the actions of the insurance company. The insurer is obliged to consider the claim within 10 days. If the claim is not satisfied, you can contact other authorities. The complaint must indicate the following:

Information about the insurance company against which the complaint is being made;
Policyholder details;
Information about the applicant, if he is a representative of the policyholder;
Requirements, the essence of the complaint and a description of the circumstances forcing you to write a complaint;
Number, series of the MTPL policy, details of the insurance contract;
List of documents that are attached to the complaint:
- passport;
- documents confirming that the insured car is owned;
- MTPL policy, contract;
- traffic police protocol (if available);
- act of independent examination (if available), etc.
Date, signature.

A complaint against an insurance company can be made orally, in writing, or electronically. The form of the complaint is not established by law, so each authority offers its own form for drawing up an appeal. The document can be drawn up in simple written form by hand or using computer typing. It is most convenient to use the services of online receptions, where you only need to fill out an application form and send it.

Who should I complain to about my insurance company?

Depending on the issue that needs to be resolved, a complaint can be filed with the Bank of Russia, RSA, FAS, Rospotrebnadzor and the prosecutor's office. If none of these government bodies and trade unions can find a solution to the problem, then the client of the insurance company can go to court, attaching to the claim official responses from the departments to which he applied, as well as all documents related to these circumstances.

Complaint to the Central Bank

A complaint against an insurance company can be filed with the Central Bank of the Russian Federation on any basis, be it disagreement with the amount of insurance payment or a violation of the client’s rights on any issue. The appeal can be submitted in writing by sending it to the address of the territorial division of the government body or to the central reception or via the Internet reception on the official website of the Central Bank. Submission is carried out according to the following algorithm:

On the main page of the online reception, select the topic of the complaint from the list provided. If the problem for which the complaint is being made is not in the list, click “other”.

On the page describing the issue, you must indicate the insurance organization with which the appeal to the Central Bank is related, write the essence of the claims, select the region, indicate the day when the described circumstances occurred and attach documents that prove the legitimacy of the complaint.

On the next page of the online reception you must provide your personal and contact information. In order not to waste time filling out forms, you can use authorization through “State Services” by clicking on the corresponding button on the right. Then all fields will be filled in automatically.

At the last stage of filling out the request, the service offers to check the correctness of all entered information. If an error is found, it can be easily corrected by clicking on the “Edit” button. If everything is filled out correctly, the applicant must click on “Submit a complaint.”

After accepting the complaint, the system generates a PDF file with a copy of the information on the appeal. If the policyholder’s issue is beyond the competence of the Bank of Russia, then the government agency will, within 7 days, forward the citizen’s complaint to the authority that has the authority to resolve such problems. The applicant himself will receive a notification by email specified when filling out the electronic form.

For written requests the following postal address applies: 107016, Moscow, st. Neglinnaya, 12. But in order not to waste time, it is best to send a written complaint to the territorial division of the Central Bank of the Russian Federation, since this is often done by the market regulator itself after receiving the appeal. You can view a sample complaint against an insurance company using the link, but you need to keep in mind that the content of the document will depend entirely on the reason for writing it. In this example, the reason is an insurance claim denial. The period for consideration of a complaint in writing in accordance with Federal Law No. 59 of May 2, 2006 is 30 days.

The Union of Auto Insurers, as well as the Central Bank, accepts any complaints regarding MTPL issues - a simple application form is provided for them. Since 2015, the RSA has established a different procedure for resolving problems with incorrect determination of the KBM. If the car owner does not first try to resolve the matter directly with the insurance company, the complaint will not be accepted. The form of the document was developed by RSA; it should reflect:

Information about the applicant;
Numbers and series of passport and driver's license;
OSAGO policy number;
Date of contacting the insurance company with this issue;
The essence of the complaint.

It is mandatory to make copies of the driver's license on both sides and copies of all pages of the passport. Without them, the Union of Auto Insurers will not accept the application. RSA does not have an Internet reception, but it is possible to send complaints electronically to [email protected] . For written requests sent via Russian Post, the address is 115093, Moscow, st. Lyusinovskaya, 27, building 3.

It makes sense to file a complaint with the Federal Antimonopoly Service if an insurance company, when signing an MTPL contract, forcibly offers additional insurance or a service in collusion with another organization, monopolizes the regional market, interfering with the activities of another insurer in the MTPL segment, and distributes misleading advertising. You can submit a complaint either in writing or electronically - through the FAS website or State Services. On the FAS website, the procedure is carried out according to the following algorithm:

On the main page of the site, you must open the “Contact the FAS” tab, select the “Complaint” type of appeal and consent to the processing of your data.

Once consent has been given, new forms will open for you to fill out. The applicant will need to indicate his full name, and also choose in what form he wants to receive a response to his appeal.

In the new line, you need to select a FAS division from the drop-down list - either the Central Office or the regional branch at the place of registration of the applicant. If in the previous section you chose the method of receiving a response by email, the corresponding line indicates its address, if through Russian Post, then the postal address of your place of residence. In the next line you will need to write the essence of the claim, attach the necessary documents and click the “Submit” button.

The period for consideration of such an application is also 30 days, but in the absence of the necessary documents or for other valid reasons it can be extended for another 1 month. You can also contact the antimonopoly service by email [email protected] . A written application is sent to the address 125993, Moscow, st. Sadovaya-Kudrinskaya, 11, D-242, GSP-3 on the official FAS letterhead.

To Rospotrebnadzor

It is advisable to contact Rospotrebnadzor if the insurance company violates the rights of its client and the law and refuses to enter into a compulsory insurance contract, imposes additional services, or does not pay insurance compensation for reasons not provided for by law. Filing a complaint electronically is possible on the official website of the Federal Service for Supervision of Consumer Rights Protection. It is carried out as follows:

On the main page, select the “For Citizens” item in the menu and click on “Appeals from Citizens.” The page that opens will provide information on the procedure for considering applications and list the issues that the government body can resolve. After reading this information, you need to click the “Continue” button.

In the new window of the site, select the method of submitting your appeal. In the first case, authorization in the ESIA will be required, in the second - not. You need to decide in what form to submit your application based on the problem.

If the option without authorization in the Unified Information System is selected, the system will offer an application form that the car owner will have to fill out.

If you select the option with authorization, you will need to log in to the State Services portal and provide Rospotrebnadzor with the right to access your personal information. After clicking the “Submit” button, the system will return the applicant to the federal agency’s website and offer to fill out the same application as in the previous case. Only your full name will be entered automatically.

After filling out the electronic complaint, you will need to click the “Submit” button and wait for a response from the authority, which will arrive at the specified email within a month. A written appeal on the official letterhead of Rospotrebnadzor and copies of documents can be sent by registered mail to the address 127994, Moscow, Vadkovsky Lane, building 18, buildings 5 and 7 (the central office of the government agency is located there) or to the address of the territorial department of the authority, which can be found on the website Rospotrebnadzor.

To the prosecutor's office

You can also contact the prosecutor's office to protect your rights. It is not a body that controls the insurance market, but is obliged to suppress and investigate cases of human rights violations and violations of Russian legislation. If the insurance company violated the law in relation to several of its clients, then it is better to file a collective complaint. Written requests in a simple form are accepted at the address GSP-3, 125993, Moscow, Bolshaya Dmitrovka St., 15a.

There is an online reception on the official website of the Prosecutor General's Office, with which you can send a complaint about the actions of the insurance company. In the application form, you must indicate the type and type of application, your last and first name, region of residence, and method of delivery of the response - email or postal address. Then, in the following lines, select a topic from the drop-down list and in a special window write the text of the complaint and a request to take action. If necessary, you can attach documents. The review period, as in all previous cases, is 30 days - the prosecutor’s office will send the result of the check to the address you left.

Conclusion

Thus, the addressee of a complaint against an insurer may be one or more government agencies or trade unions (PTAs), depending on the situation. A complaint to the Central Bank against an insurance company is most often filed, since this authority is the regulator of the insurance market and supervises the activities of insurance organizations. By law, the complaint must be reviewed within 30 days, and the response must be sent to the complainant by mail.