If insurance is issued for the first time, then the size of the coefficient does not affect the cost of the policy. For beginners and persons with a break in insurance for more than 12 months, the value of KBM equal to one is taken into account. If the driver does not allow an accident in the first year, then he is entitled to a bonus and a more favorable cost of OSAGO. Sloppy drivers are punished with a ruble, changing the
KBM-pro.ru of an accident. The category of the perpetrators of the accident decreases, the “bonus-malus” and the cost of the policy increase, respectively.
The Central Bank of Russia has established a table with a set of classes (15 in total) and their corresponding CBM values, as well as their change depending on the number of insured events (accidents). Its size grows as the driver creates emergency situations. An increase in the coefficient leads to an increase in the price of OSAGO.
A driver found guilty in an accident inevitably receives a lower insurance cost and a reduction in insurance class.
