In the case of the adoption of this document, the victim will not have to provide paper documents on the insurance indemnity. He will be able to share information with the insurer in electronic form, including with use of the portal services.
For recovery under the insurance policies it will be possible to send photos and videos via a mobile app is an “Helper insurance”. It was developed by the Central Bank of the Russian Union of insurers to issue an e-europrotocol.
the authors of the bill say that now have become popular the electronic policies hull and CTP. However, the law explicitly stipulates the obligation of the victim to submit documents in paper form in person or by mail, and provide to the insurer to inspect the damaged property.
“In some regions, created a situation when the insured did not actually have the opportunity to receive a quality settlement of the loss from its insurer, as the insurance contract concluded via the Internet, to make an insurance payment is only possible in the insurer’s office several thousand kilometers from the place of permanent residence”, – is spoken in the explanatory note.
Clear indication in the law on the possibility of electronic exchange of documents between the insurer and the policyholder will remove these problems, assured the deputies.
the bill will create conditions for increasing the penetration of insurance services, real insurance protection of citizens living in remote settlements, as well as to improve the competence of the Russian insurers in a fully electronic interaction with the client, stated in the explanatory note.
