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.
RSA warns that failure to combat fraudulent schemes could lead to higher CMTPLI rates for honest drivers and, as a result, to a lack of reserves for insurers, losses, and even license revocation.
It is also noted that the North Caucasus Federal District has a poorly developed roadside video surveillance system, which could facilitate abuse. Large metropolitan areas have the best coverage of road cameras, which, according to the Russian Union of Motor Insurers (RSA), explains the high proportion of drivers with a good CTP insurance safety rating. For example, the highest proportion of drivers with the maximum KBM is recorded in Moscow—51%. In St. Petersburg, this figure is 49%, and in Yekaterinburg, 48%.
