Security of cars in Albania now with new regulations

The agreement aims that drivers of cars who have paid annual taxes but circulate without insurance will not be allowed to pay tax duties unless they have paid mandatory vehicle insurance. On the other hand, this proposal is intended to solve the problem of cars that circulate without insurance, while management have paid only the annual circulation tax.

According to the Financial Supervisory Authority, there are 16 thousand cars that circulate without insurance, while the directors of these vehicles have paid annual taxes. The Financial Supervision Authority requires that, in paying taxes to the Road Transport Service Directorate, the directors of these vehicles are subject to insurance cuts before paying their circulation tax.

Currently, insurance payments are required only during technical control of the vehicles, while annual taxes are not required to make insurance payment when paid. The agreement also aims to become binding on security payments as the owner pays his annual circulation taxes.

T ARIFHATION OF SIGURATION

Car insurance fees are also expected to change. The Financial Supervision Authority concluded drafting the new draft for mandatory engine safety. The new draft also envisions implementation of the bonusMallus system for car insurance.

The AMF also has the technological infrastructure ready for implementation of this system, which envisions drivers being divided into 18 different categories. And for every category there's been a cofficient. This cofficient is higher for drivers who make accidents and lower for those who don't.

Depending on the history of any driver's accidents, the price of insurance will also change. For first grade, the cofficiency is 0.5, while for 18th grade it goes to 2. According to this system, all drivers, as well as new leaders, are expected to register in the 13th grade, or otherwise known, the entry class, which will be applied to the risk sharing of the asset equal to 1.

For classes from 1 to 12, the cofficiency will be reduced, while for classes from 14 to 18 will increase. In the draft, they're also predicting how to move drivers from one class to another. The drop in risk class with a class in insurance cases that cause no accident during the year of the contract, where it benefits a reduced price. If the driver causes an accident over a year, he will grow into two classes.

If it causes two, three or four accidents during the year, it will grow by five risk classes. The growth of a classroom based on accidents means an increase in insurance accounting, which will automatically result in those who commit accidents paying higher prices than others. /panorama