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Президент РФ Владимир Путин подписал Федеральный закон от 1 мая 2019 г. № 88-ФЗ «О внесении изменений в отдельные законодательные акты Российской Федерации». Им предусмотрены поправки в нормы об ОСАГО, принятие которых обусловлено анализом правоприменительной практики.
В частности, закреплена возможность составления водителями причастных к аварии транспортных средств извещения о ДТП в виде электронного документа, составленного с использованием ЕПГУ (по установленной Банком России форме). Это касается случаев оформления документов о ДТП без участия уполномоченных на то сотрудников полиции.
Кроме того, установлен порядок возмещения потерпевшему вреда его жизни или здоровью, причиненного несколькими участниками ДТП в рамках одного страхового случая. В такой ситуации страховщики должны нести солидарную ответственность за причинение вреда, но общий размер страховой выплаты не должен превышать 500 тыс. руб. Одновременно скорректирован перечень оснований для предъявления страховщиком, выплатившим страховое возмещение, регрессного требования к лицу, ответственному за причинение вреда. При этом запрещено предъявлять регрессное требование к пешеходу в случае причинения вреда его здоровью или к его родственникам и наследникам в случае смерти пешехода в результате ДТП.
Возможно ли прямое возмещение убытков при наличии более двух участников ДТП? Узнайте из раздела «Закон об ОСАГО» в «Энциклопедии судебной практики» интернет-версии системы ГАРАНТ. Получите полный доступ на 3 дня бесплатно!
Также изменения касаются:
уточнения порядка заключения договора обязательного страхования и перечня необходимых для его заключения документов; снятия запрета на перестрахование обязательств страховщика по договору ОСАГО; корректировки перечня транспортных средств, на владельцев которых не распространяется обязанность по страхованию, и перечня служб и организаций, правомочных выдавать документы, подтверждающие факт наступления страхового случая; установления обязанности владельца транспортного средства, зарегистрированного в иностранном государстве и въезжающего на территорию РФ, иметь заключенный договор ОСАГО, а также распространения на такие транспортные средства возможности при определенных условиях оформлять документы о ДТП без участия уполномоченных сотрудников полиции; закрепления квалификационных требований к экспертам-техникам, проводящим независимую техническую экспертизу транспортных средств, и порядка осуществления их профессиональной аттестации; дополнения перечня категорий лиц, которые наряду с потерпевшими или выгодоприобретателями могут предъявить к профессиональному объединению страховщиков требование об осуществлении компенсационной выплаты; установления процедуры рассмотрения споров по договорам обязательного страхования между гражданами и объединением страховщиков и т. д.
Федеральный закон1 вступит в силу через 180 дней после его официального опубликования (документ опубликован 1 мая 2019 года), за исключением отдельных норм, для которых установлен иной срок начала действия.
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1 С текстом Федерального закона от 1 мая 2019 г. № 88-ФЗ «О внесении изменений в отдельные законодательные акты Российской Федерации» можно ознакомиться на Официальном интернет-портале правовой информации (номер опубликования: 0001201905010024).
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