The North Caucasus republics have been named the most risky regions due to fraud and accidents in the compulsory motor third-party liability insurance (CMTPLI) sector
The Russian Union of Auto Insurers (RSA) has identified the North Caucasus regions of Dagestan, Ingushetia, Chechnya, North Ossetia, and Kabardino-Balkaria as high-risk zones due to CMTPLI fraud. Nearly all insurance companies operating in these republics are experiencing CMTPLI payouts that exceed insurance premiums, which, at best, results in zero profit.