Military Review

Why do we pay and why so much?

49
Our government and deputies need to honestly answer this simple question before making virtually any decisions and laws. Based on global priorities and values ​​stated in the Constitution of Russia, and not short-term considerations. And what about when these priorities come into conflict? Well, for example, what should be the cost of CTP?




Apparently, when this issue was resolved, it was calculated what the maximum income the budget will receive from the CTP. True, they forgot to think about how much the budget will pay to victims in an accident. Although what I’m talking about, it’s going to incur fixed costs in the healthcare line! So let them think about where to get the money. And the truth is: after all, the main function of the government is to manage money, and through them, the economy. If there is no money, then there is no control lever. And who needs a government that cannot (objectively) manage the economy due to the lack of leverage? But this approach is very primitive, not conducive to development and not stimulating progress.

I will give a simple and clear example for a better illustration. Let's take the most modern car with all the "bells and whistles" in terms of security and an old motorcycle. The CTP size for a car will be at least 5 times larger. But in the car, the driver and passengers are somehow protected, but the driver of the motorcycle is practically not protected at all. It is not for nothing that motorcyclists in Australia are called “temporary Australians”: the probability of a motorcyclist becoming disabled is 19 (NINETEEN!) Times higher than a motorist.

Now we will open the law on CTP and statistics on road accidents. Interesting numbers are visible! In terms of compensation for harm caused to life and health, no more than 500 000 rubles (about 1 annual salary) and for fatalities 135 000 rubles + for burial no more than 25 000 rubles (about 6 months of salary). Well, a very small price of human life! In 2015, 23 114 people (two Afghanistan) died and 231 197 people suffered. The total damage from road accidents is comparable in size to the budget of the Ministry of Health.

If we assume that from 231 197 50 affected 000 will remain disabled and live an average of 20 years, then in fact today we have around 1 000 000 disabled people who are victims of accidents who need free medical care, pensions, housing and other support, which lays a heavy burden on the budget. As you can see, this is a VERY substantial amount.

That is, in case of an accident, damage may be caused to the vehicle and people. At the same time, more advanced vehicles (more modern models), by definition, have a greater degree of protection for both driver and passengers (airbags as an example) and pedestrians, since they have various sensors that warn of the possibility of collision with obstacles (in front of cars) and pedestrians) and even automatically performing braking without driver intervention. That is, more modern cars should get into an accident much less frequently and pay for OSAGO significantly less. By the way, according to Google estimates, cars with automatic control (without drivers) will get into accidents with an average of 10 times less.

Well, now it is the turn of questions.

1. How is engine size related to CTP? After all, a larger car and engine size will be larger, but the driver’s and passengers ’protection level is also greater!

2. And if the car is completely electric? How to count?

3. Why is the car model and year of release of this model not taken into account? After all, different cars, even in a purely statistical sense, may differ many times in the degree of safety for both the driver and pedestrians.

4. Why does the CTP cost a little different for a taxi and just a car? The calculator showed 14 thousand against 9 thousand rubles. And in general, why is the CTP not tied to the mileage of the car? Indeed, purely statistically, the more a car is on time on the road, the higher the likelihood of it falling into an accident. So, if the taxi mileage per year is equal to 200 000 km, and the mileage of the average car is equal to 20 000, then, accordingly, the taxi probability of getting into an accident should be 10 times higher. Isn't it obvious?

5. Why is the season (winter, summer) not taken into account when the car is operated? After all, everyone understands that when operating a car in winter, the probability of it falling into an accident can be 10 times higher than when operating in summer. If we take the same car model, but one pensioner goes to the summer cottage in the summer, driving 5 000 km a year, and driving another year-round and driving 200 000 km, then it may well be that the probability of hitting a second car in an accident 50-100 times higher than the first. Why should a pensioner pay for a taxi driver?

There should be the possibility of monthly insurance, and the summer months should cost much cheaper than the winter, and then everything will fall into place.

What will this differentiation lead to? Oddly enough, this should lead to order, reducing the number of accidents and, consequently, the number of people with disabilities. As a result, to a significant reduction in the burden on the budget, as well as to a more dynamic renewal of the fleet, because owners of less protected and more dangerous cars will have to pay significantly more for insurance, and at some point riding on the old car will just economically unprofitable.

This is just one of the examples that, I am sure, one can cite an infinite number and in which the complete lack of common sense and logic will be demonstrated. And not a single member of the government of accountants can competently, logically and intelligibly justify the proposed structure of mandatory payments for citizens. And we will pay for this endless criminal illiteracy.
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49 comments
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  1. Banishing liberoids
    Banishing liberoids 9 July 2017 06: 49
    +10
    That our life is a penny, and sometimes even less than one penny. And salaries are often pretty cheap. And we pay for everything as if total billionaires.
    1. tanit
      tanit 9 July 2017 06: 57
      +6
      Fighters for all the good against all the bad should know that the progressive scale of taxes and other requisitions was recommended by the "Zion wise men" (even a whole chapter is written). If you are for her, then you are at least a "Zion sage." laughing
      1. Banishing liberoids
        Banishing liberoids 9 July 2017 07: 31
        +3
        Tanit-I in Russian-no one asked me, introducing certain taxes in the country, and by and large my opinion is to those who introduce these taxes to the lantern.
    2. vovanpain
      vovanpain 9 July 2017 07: 41
      +9
      Why should a pensioner pay for a taxi driver?

      Just a citizen, you fool ? Or a provocateur before the presidential election? I pay for a taxi ride, not a taxi driver
      Quote: Gray Brother
      ) Illiteracy rushing from the very beginning
      forgot to think about how much the budget will pay for the victims of road accidents.
      - Dear citizen, "just an elk", who got into an accident is paid by the insurance company and not the "budget", and the company pays taxes to the budget.

      I join the indignation, it looks like you deliberately misinterpret and juggle the facts. It's a shame just a citizen. negativeArticle minus, only for such a lie.
      1. Nikolay K
        Nikolay K 9 July 2017 08: 47
        +6
        Vova, since when did insurance pay a disability pension arising from an accident? Their liability is limited to the limit of payment under the 500000 insurance (in case of death, if they survive less), the rest is then paid by the budget.
      2. kitamo
        kitamo 9 July 2017 10: 50
        +3
        Quote: vovanpain
        Just a citizen, you fool? Or a provocateur before the presidential election?


        but in general it is not clear where this citizen drew from here ...
        campaign from the Echo matzah, or from Lehi Zavralnogo crawled ...
        I especially like his care for pensioners:
        Why should a pensioner pay for a taxi driver?


        owners of less protected and more dangerous cars will have to pay significantly more for insurance, and at some point, driving an old car will become simply economically disadvantageous.


        and will a citizen simply issue money for a new, beautiful and protected car?
        where is the issue recorded?
        most likely, all the same, Navalnyonok, this citizen, has Lesha continuous slogans and promises of a better life, without any clear explanation to the question "How?"
    3. siberalt
      siberalt 9 July 2017 09: 41
      +6
      The state is absolutely violet for which citizens pay taxes. The main thing is that the more of them the better for him. The issue of VAT, which the liberals proposed to introduce as a temporary measure, is not worth it at all. And how many resellers are struggling on it, too, no one is interested. But in fact, the ordinary consumer pays VAT, because he is laid in the price of goods and services delomania. Another thing is not to offend the oligarchs and billionaires. They and the income scale is flat, and even with various benefits and support from the budget.
      1. AUL
        AUL 9 July 2017 10: 36
        +2
        Ha! When did our government bother with the rationale for its decisions? Decided - so it is necessary!
  2. tanit
    tanit 9 July 2017 06: 50
    +6
    Yes ... Now, I join the cries of "And what does the VO have to do with it ?!". laughing
    1. Victor N
      Victor N 9 July 2017 07: 36
      +5
      But because the losses from road accidents exceed the military.
      1. tanit
        tanit 9 July 2017 11: 11
        +1
        Quote: Victor N
        But because the losses from road accidents exceed the military.

        Well? Exceeded. And in the USSR they exceeded when idiots behind the wheel were fewer times. Then tell me what? To the barricades, or what? Ha, I will be on the other side. And something tells me that not one.
    2. kepmor
      kepmor 9 July 2017 07: 39
      +6
      so Sunday ... you have to tryndet about something ...
      but nothing will change with insurance ... too satisfying feeder for everyone ...
  3. Same lech
    Same lech 9 July 2017 06: 54
    +5
    Why should a pensioner pay for a taxi driver?


    He paid and will pay ... so they decided in the government ... moreover, motor insurers began to complain about scammers ... they eat up all the proceeds ... according to their concepts, they need to raise prices even higher ... so I understand it will only get worse ... we have to tighten the nuts on all fronts ... the tendency towards this is on the part of the government ... after all, we live under capitalism and we have to pay for everything ... we tighten our belts tighter to the vertebrae ... and get ready to lose weight of our wallets.

    And who will not pay that enemy of the state ... he will be banned from traveling abroad ... hehe heh, they will turn off the gas ... they will block oxygen and indeed the defaulter will have a place at the bottom of our society.
  4. Mar.Tirah
    Mar.Tirah 9 July 2017 06: 56
    +3
    This is how our modern state is arranged. To squeeze everything that is possible for your profit. All and all. Therefore, such monstrous accidents happen periodically. It was in Germany, but a relative has just a checkup, and the car is not ready. I say if I give to the policeman’s paw. What’s the answer, what’s the use? He can take the money. The issuance of the token does not depend on him, everything is done on the conveyor, automatically, with the parameters in the machine. His task is to drive the car and take it out. But in Russia, they introduced another tax on wild plants. I picked up berries, mushrooms, nuts, pay tax, and not any protests. But now there is a discussion of new watches by D. Medvedev, which I think is comparable in cost to the annual budget of a simple Russian citizen. In Germany, the more years a car has, the more expensive the insurance, and more often the inspection. People are not interested in having old cars.
    1. Same lech
      Same lech 9 July 2017 07: 24
      +6
      But in Russia, they introduced another tax on wild plants. I picked up berries, mushrooms, nuts, pay tax, and not any protests.


      So, for such things, I became an ardent enemy of United Russia.
      People are driven out of their own garages ... houses ... plots using ignorance of the laws ...
      The state slowly and faithfully turns into a sort of
      a bloodsucker bug in which an ordinary citizen becomes or has already become the object of profit for all sorts of crooks.
    2. Victor N
      Victor N 9 July 2017 07: 41
      +1
      Mar. Tira
      Cars, tokens, Germany, watches, wild-growers: What did you want to say? Why do people laugh in the morning?
      1. Mar.Tirah
        Mar.Tirah 9 July 2017 09: 22
        +7
        If you don’t understand one of the facets of the article, it’s your problem. And I don’t see anything funny in this article? Quote: And in general, why is MTPL not tied to a car’s mileage? Answer: .In Germany, the more years a car, the more expensive the insurance, and more often the inspection. People are not profitable to have old cars. What is funny I said?
  5. Gray brother
    Gray brother 9 July 2017 07: 12
    +10
    I demand to return the cons.
    1) I do not go to VO in order to read about OSAGO.
    2) Who missed this “just moose” in general with this article? Do you drink there together?
    3) Illiteracy rushing from the very beginning
    forgot to think about how much the budget will pay for the victims of road accidents.

    - Dear citizen, "just an elk", who got into an accident is paid by the insurance company and not the "budget", and the company pays taxes to the budget.
    Wake up - to work tomorrow.
  6. Alexander S.
    Alexander S. 9 July 2017 07: 26
    +8
    No car and do not plan. 600 rubles per month for travel. Plus a pawn for health. And no headaches in finding additional earnings to feed, put on shoes and put on a golden swallow.
    1. Olgovich
      Olgovich 9 July 2017 10: 58
      +4
      Quote: Alexander S.
      . And no headaches in finding additional earnings to feed, put on shoes and put on a golden swallow.

      And no freedom ....
  7. Monster fat
    Monster fat 9 July 2017 08: 34
    +5
    Che did not understand, the author wrote some nonsense. Everything is fine there with the calculations. Firstly, the basic CTP rate is different for individuals and legal entities and the taxi rate is almost 2 times (2 times Karl!) Different from the usual one, which just takes into account the increased risk for a taxi to get into an accident. Then there are utilization coefficients — that is, the territory (there are more cars in Moscow and traffic intensity is higher, which means that the risk of accidents is higher, etc.), then there are coefficients related to the number of vehicle drivers, age, experience, health restrictions, etc. Following are the coefficients associated with the vehicle itself — its power, condition, etc. And rightly so — the more powerful the car, the more it can accelerate and the more damage it can cause or suffer, etc. Then, the coefficients associated with the behavior of the driver — his “history” of payments for insurance, etc. Everything is taken into account. The minimum MTPL insurance period is 3 months, but in some cases it can be reduced to 1 month and even 20 and 5 days (driving, etc.). I do not understand what the author of the article does not like?
    1. AKC
      AKC 9 July 2017 10: 10
      +2
      And the author in his repertoire !!! the main thing is to cause a wave of indignation !!!!
      For example, it boasts about what fines for motorists abroad. but modestly silent about fines for pedestrians and cyclists violating traffic rules, Refers to the experience of foreign countries, but names only those countries that are beneficial to him !!!
      After reading the article, I ask a question, does the author have a car, and what does he know about OSAGO?
    2. tanit
      tanit 9 July 2017 10: 27
      +2
      The author apparently does not like everything, including the planet where the author (probably, but doubts arise) lives. laughing
    3. Nekarmadlen
      Nekarmadlen 9 July 2017 14: 39
      +2
      It seems that the author of "a simple citizen" does not even understand the essence of the insurance policy))) The insurance policy is not a tax !!! This is compulsory liability insurance and the policy is calculated not by engine capacity but by power !!! The customs clearance is calculated according to the volume))) The insurance company pays the damage to the victim in an accident, pays the culprit nothing !!! Insurance companies somehow pay for the damage, using a lot of decreasing coefficients and motivate low payments with a low cost of the policy (((Sometimes it happens that there is no obligatory insurance policy coverage for an expensive car and a civil victim can recover damage from the culprit (((in large cities it makes sense to buy a policy with the extension ...
  8. Petrol cutter
    Petrol cutter 9 July 2017 09: 46
    +4
    I am far from this. I do not have a car and, in general, "does not shine." But I’m a bicycle driver. According to the logic of Australia, the probability that they will beat me sooner or later tends to 100%. Therefore, you need to either take away from me a lead or solder such a HELMET that it will be easier for me to walk. But at the same time, he did not get confused under the feet of the gentlemen of motorists.
    1. novel66
      novel66 9 July 2017 10: 22
      +8
      Osago on the bike? colleague, be careful with suggestions, God forbid, who will hear!
      1. Petrol cutter
        Petrol cutter 9 July 2017 10: 57
        +4
        "Osago on a bicycle? colleague, more accurately with suggestions, God forbid, who will hear!"
        And what is there to be careful? Ideas from time to time to enter, then numbers move from time to time. Hopefully this is nonsense, but I won’t be surprised if obliged. Since denyuzhku cut with something you want.
        I have “rights” of category B. I can’t ride the same scooter as they say to me. The traffic rules for the car and for the moped are different? ...
        1. Reserve buildbat
          Reserve buildbat 9 July 2017 13: 06
          +6
          According to the SDA, if you have the rights cat. B, you can ride a scooter or a moped with an engine capacity of up to 50cub.cm (cat. M right)
    2. tanit
      tanit 9 July 2017 10: 31
      0
      From time to time being an infantryman on the roads, I noticed one peculiarity - it’s worth getting a phone at the intersection and pretending to shoot, so drivers become more courteous. laughing It is possible that this does not work in Australia. request
      1. Boris55
        Boris55 9 July 2017 10: 40
        +2
        Quote: tanit
        standing at the intersection to get the phone and pretend that you are shooting

        Can you imagine how all those who slow down, what kind of affectionate words they call you? Aren't you afraid that some of their prophecies will come true? laughing
        1. tanit
          tanit 9 July 2017 10: 47
          +3
          laughing And then. Already then it is dumb to drive behind the wheel - and suddenly someone "like me" at the crossroads ... But - the scheme works. laughing True, I’m not so sure about Australia. request
    3. AKC
      AKC 9 July 2017 10: 58
      +3
      it is necessary for cyclists to enter numbers and insurance !!!!! Why should I appear on the road, I must study, take exams, get numbers, do maintenance, be administrative and criminally liable, comply with traffic rules, and cyclists can be drunk without knowing the rules, breaking the traffic order as they like. can bring down a pedestrian and they are not punished for it.
      why don't they pay insurance? after all, being a participant in the movement, a cyclist can damage a car, the repair of which costs a lot. and do not pay it. because there are no numbers and leaving the scene of an accident it is impossible to find it !!!!
      And about boorish behavior on the road, I am silent cyclists !!! often you can watch the picture when motorists stand and let pedestrians pass, and the cyclist who before riding in the stream continues to move, not paying attention to people crossing the road !!!
      Therefore, it is necessary not to take away yours from you, but to make sure that you are on the road possessing the rights and obligations of the rest of the participants in the movement !!!
      1. tanit
        tanit 9 July 2017 11: 14
        +1
        Have you read the SDA for a long time? belay Read-and envy of the rest of the road users will decrease. laughing
        1. The comment was deleted.
          1. tanit
            tanit 9 July 2017 11: 37
            0
            But still not read? laughing
            1. AKC
              AKC 9 July 2017 11: 42
              0
              And where in the traffic rules is written what is said in my comment?
              I explain popularly, the cyclist (and others) when traveling on the road. must pass on the right to receive numbers. pay insurance !!!! in traffic rules it is not !!!!
              read carefully my comment and traffic rules !!
    4. Monster fat
      Monster fat 9 July 2017 13: 27
      +2
      Motorists in Russia with humor call cyclists "crunches" .... because they crunch under wheels so funny ... wink
  9. Earnest
    Earnest 9 July 2017 11: 08
    +3
    And I’m also interested in the answer to the question, why is MTPL for individuals tied to a car, and not to a driver? For example, I have two cars of different capacities and year of manufacture, and insurance draws up both. But how can I simultaneously manage two cars at once and create two insurance events in an instant? So maybe CTP for individuals should be tied to the driver (you do not have insurance - the rights are invalid), and only in the case of a legal entity - to the owner?
    1. Gray brother
      Gray brother 9 July 2017 11: 56
      +1
      Quote: Earnest
      , why is MTPL for individuals tied to a car and not to a driver?

      Because you can ride by proxy.
      In the case of a legal entity, the driver is one hell is a representative of the legal entity - there is no difference.
  10. Andrey Sukharev
    Andrey Sukharev 9 July 2017 11: 25
    +1
    And I have been saying for a long time - only mass repressions will save the country!
    1. Kenxnumx
      Kenxnumx 9 July 2017 12: 25
      0
      And the first to do is to repress those who insist on repression. For balance.
  11. Kenxnumx
    Kenxnumx 9 July 2017 12: 23
    +1
    For some reason, the author forgot that OSAGO is your responsibility. A motorcycle can do less damage than a jeep.
  12. Reserve buildbat
    Reserve buildbat 9 July 2017 13: 03
    +2
    I applaud while standing laughing Especially the paragraph - “What will this differentiation lead to? Oddly enough, this should lead to order, a decrease in the number of accidents and, consequently, the number of people with disabilities. And as a result, to a significant reduction in the budget load, as well as to a more dynamic renewal of the fleet, t since owners of less protected and more dangerous cars will have to pay substantially more for insurance, and at some point, driving an old car will simply become economically unprofitable. "
    laughing Apparently, this "just a citizen" belongs to that category of "citizens" for whom once every 1-2 of the year to change a car for a new one, putting out 1,5-2,5mln rubles for it is a penny. But what about those who need a means of transportation, but there is money, at best, 100-200tys? Pay OSAGO at times more than the "modest" MP on the new "gelding" for 7-15mln. rub?
    1. The comment was deleted.
  13. vit8180
    vit8180 9 July 2017 14: 59
    +2
    Hello everyone!
    But I don’t understand something else .....
    CTP - Compulsory Auto Insurance Civil Responsibility
    Actually, why am I obligated to insure the car itself, and not mine Personal liability. For a ride on a more powerful car, I already pay a high transport tax. Let's say I have three cars for different purposes, with different engine power. But after all, they themselves do not go without me! And claims, in the event of an accident, are presented not to the car, but to the owner. Why are three skins being torn from me for essentially the same thing (engine power)? Why am I getting the same payout on exhaust when I buy CTP for one car for 3000 and another for 30000? And I’ll ask you to note that I’m driving every day, and two out of three cars at this time do not carry any danger to others, and they don’t work out money for compulsory motor third-party liability insurance at that time!
  14. leonardo_1971
    leonardo_1971 9 July 2017 15: 04
    0
    I am concerned about 1 question, I got into an accident through no fault of mine, the car is in repair and I walk on foot for a certain time. As a resident of the suburbs, it is very inconvenient to me because there is no public transport. Why would I need to repair a car and give money for a taxi? .a with the culprit to hold then.
  15. leonardo_1971
    leonardo_1971 9 July 2017 15: 10
    +2
    I live in Kazan, we seem to have the most vicious traffic police inspectors, the whole city is in the cells but the situation on the roads is terrible! Races, chaotic lanes without turn signals, climb into every hole. Complete disrespect for other drivers. Paradox!
  16. faiver
    faiver 10 July 2017 04: 50
    +1
    forgive gentlemen, but the nonsense is written .... hi
  17. Shurale
    Shurale 10 July 2017 06: 16
    +2
    The questions are correct, the conclusions are delusional ...
  18. Appraiser
    Appraiser 10 July 2017 13: 16
    0
    Too many questions why? The CBR regulator, covering up insignificant CTP payments, does not like such issues. After all, there is no secret that PCA and the Central Bank are interdependent persons, the main thing is to raise money from the owners of the vehicle, and there they’ll figure it out .... laughing ...
  19. e_krendel
    e_krendel 13 July 2017 10: 44
    0
    MTPL is compulsory auto-liability insurance. That is, compensation for the damage that the car owner will inflict with his car to third parties. Thus, the possible damage from a large and heavy car will be greater than from a small and light car, although the owner of a large car is better protected. A motorcyclist can hardly do very much damage to anyone else but himself. So in this sense it seems to be right.
    As for the engine size - everything is certainly muddy here. It is more logical to consider the maximum permissible mass of the vehicle. Then all vehicles regardless of engine type will be considered uniformly.
  20. AlexVas44
    AlexVas44 13 July 2017 11: 02
    0
    to a more dynamic renewal of the fleet, because owners of less protected and more dangerous cars will have to pay significantly more for insurance, and at some point, driving an old car will become simply economically disadvantageous.

    I agree with the author, but as far as small cars and old ones are concerned, here, in my opinion, not everything is true. The park will be dynamically updated without compulsory motor third-party liability insurance, for this it is enough for the population to have the corresponding income. In the meantime, the park is really aging, but this is not a security issue. Accident is still more a human factor than a technical one.