Such a critical indicator means that insurers are forced to pay out… (выплата · осаго · уровень)
Such a critical indicator means that insurers are forced to pay out losses amounting almost to the total collected insurance premiums. According to RSC, payouts for compulsory motor third-party liability (OSAGO), including expenses for case management, exceeded 100% in more than half of the regions of the country.
Consensus
- The average OSAGO payout ratio in Russia for the first half of 2026 was 96.9%.
- Payouts exceeded premium collections in more than half of Russian regions.
- In several regions, including Ingushetia (265.2%), Primorsky Krai (180.6%), and Karachay-Cherkessia (166.6%), payout ratios significantly surpassed 100%.
- This situation poses a threat to market stability.
- Insurance companies are forced to either reduce staff and offices or increase product prices.
- The Russian Union of Auto Insurers (RSAA) President Evgeny Ufimtsev is the primary source of these claims.
Points of divergence
- The dangerous trend began in 2025 and continues to develop. — vesti
- President Ufimtsev cited high accident frequency, poor driving discipline, and unethical activities by auto lawyers as causes of increased loss ratio. — kommersant
- The Central Bank changed OSAGO repair cost rules in late June, requiring insurers to use full-price materials without discounts and excluding cheaper analogs if they are 70% cheaper than originals, which will increase average payouts by 10%. — kommersant
- The government approved a bill increasing OSAGO compensation limits from 500,000 to 2 million rubles but delayed its implementation until March 1, 2027. — kommersant
Coverage (2 sources)
- Insurance payouts under ОСАГО have reached a critical level — Вести
- Auto insurers report critical level of payouts for compulsory insurance — Коммерсантъ