The Ministry of Finance has developed amendments to the current law…
The Ministry of Finance has developed amendments to the current law on compulsory motor insurance (OSAGO), which provide for the introduction of a ban on exceeding the full limit of the insurer's property payout for car repairs (400,000 rubles, according to the OSAGO law).
Consensus
- The Ministry of Finance has prepared amendments to the OSAGO law restricting compensation for car repairs to a maximum of 400,000 rubbles.
- The proposed changes follow a ruling by the Constitutional Court of Russia in May 2026.
- The court found that allowing payouts above the 400,000-ruble limit created legal uncertainty and harmed the insurance industry.
- The amendments will apply to both traditional claims and those settled via europrotocol.
- The cost of repair must be calculated according to a unified methodology approved by the Central Bank of Russia.
- The changes are intended to prevent insurers from being held liable for full repair costs if they fail to organize repairs within the insurance limit.
Points of divergence
- The Constitutional Court's decision was based on a specific case involving Svetlana Shamsurina from Yaroslavl Oblast, where she obtained a court order for 584,900 rubles after her insurer refused to repair the car and offered only 321,300 rubles. — kommersant
- The Ministry of Finance developed the draft at the instruction of Deputy Prime Minister Alexander Novak specifically to implement the Constitutional Court's ruling on OSAGO limits. — vesti
- The Constitutional Court ruled that insurers' liability should not exceed the legally established insurance sum even when repair was impossible, and this decision prompted the amendments. — fontanka
- The draft includes clarification on how to calculate compensation in europrotocol cases, stating that payouts must remain within the statutory limit regardless of whether repair is organized by the insurer. — interfax
Coverage (4 sources)
- Ministry of Finance prepared amendments on a limit of 400 thousand rubles for OSAGO payments — Коммерсантъ
- В РФ могут изменить закон об ОСАГО в части ограничения выплаты за ремонт авто — Вести
- Минфин меняет правила ОСАГО. Что будет с выплатами за ремонт автомобиля — Фонтанка
- Подготовлены поправки о лимите суммы убытков, которые можно взыскать со страховщика по ОСАГО — Интерфакс
Key entities
- Ministry of Finance
- OSAGO
- Russia
- Moscow
- INTERFAX.RU
- KS
- Ministry of Finance
- Constitutional Court
- Alexander Novak