How to calculate Osago

In the case of a traffic accident, compensation for harm caused to life, health, the property of third parties is ensured by insurance of civil liability of motor vehicles. Now there are many online calculators to calculate the CTP, but not each of them takes into account all the necessary coefficients.

• vehicle categories;
• type of ownership (physical or legal person);
• application areas (private use, taxis, etc.).

• The CRT is a regional coefficient, assigned to each region of the Russian Federation, depending on the risk level of the road accident. In each insurance policy, the territory of the preemptive use of the car is indicated. The CTR varies from 0.5 to 2.
• Coefficient of restriction. Equal to 1, if the accurate number of people who can control the vehicle and 1.8 are indicated in the insurance policy, and 1.8, if the number of drivers is not limited.
• FC - coefficient, taking into account the ratio of age, common experience. Its values \u200b\u200bfrom 1 to 1.8.
• KCC - the coefficient of insurance claims. Determined by the number of traffic accidents in which the driver participated earlier. CCC values \u200b\u200bin the range of 0.5-2.45.
• Clamp depends on the power of the car, varies from 0.6 to 1.6. The more power, the more the coefficient, the more expensive insurance.
• KTCS is taken into account if the car is designed to work in a taxi.
• The CER takes into account the insurance period. The period is less, the insurance is more expensive.
• KBN is the so-called bonus coefficient that grows with each new insurance in the same company.

Amount of CTP \u003d CTR * KVS * KSS * KMSM * KTCS * DSR * KBN * KO * BST

The formula for calculating the CTP provides for an increase in the cost if the driver has already participated in emergency situations and encouragement for cautious road users, as well as bonus discounts, if insurance is re-issued in the same insurance company.