Application of the coefficient «bonus-malus» as a factor affecting increase the level of traffic safety
( Pp. 104-106)

Target: The purpose of writing this article was the introduction of the automated information system bonus-malus coefficients (AIS CBM RUI), which shows a coefficient depending on the availability of insurance payments for the previous period of insurance. Methodology: The article analyzes the problems of using the law of compulsory third party liability insurance in full, as the law itself was conceived . Proposed measures aimed at improving road safety by tracking emergency or accident-free driving of the driver. Conclusions: Through the creation of a single database the opportunity to punish perpetrators of road accidents and promote orderly drivers. However, to fully debugged process will take some time , insurance companies have to teach employees to not only use the new program , but also to teach important innovations in the legislation of compulsory third party liability insurance to avoid any such problems faced by the author on the practical application of the new legislation . Social consequences: Social consequences of innovations is the efficient use of the law on compulsory motor insurance in the application of the coefficient of CBM , CBM establishing a legitimate for each driver : culprits for increased accidents , reduced to a neat drivers. Value: In this paper we studied the experience of practical implementation of AIS Russian Union of Insurers, insurance companies and the level of knowledge innovation by employees of insurance companies, showing problems of implementation of innovations, showing the errors which allow the solution to the correct use of the conceived and implemented innovations to the Federal Law N 40 − Federal Law "On mandatory insurance of civil liability of vehicle owners".

Gershteyn S.E., (2013), APPLICATION OF THE COEFFICIENT «BONUS-MALUS» AS A FACTOR AFFECTING INCREASE THE LEVEL OF TRAFFIC SAFETY. Business in Law, 6 => 104-106.

Federal nyy zakon N 40-FZ Ob obyazatel nom strakhovanii grazhdanskoy otvetstvennosti vladel tsev transportnykh sredstv
Federal nyy zakon ot 25.12.2012 N 267-FZ quot;O vnesenii izmeneniy v otdel nye zakonodatel nye akty Rossiyskoy Federatsii i priznanii utrativshimi silu otdel nykh polozheniy zakonodatel nykh aktov Rossiyskoy Federatsii quot;
Metodicheskoe posobie RSA po obucheniyu sotrudnikov strakhovykh organizatsiy № 7 (red. ot 25 aprelya 2013 goda)
ZH. Lemer. Sistemy bonus-malus v avtomobil nom strakhovanii / Perev. s angl. V.K. Malinovskogo M.: YAnus-K , 1998.
http://www.insur-info.ru/press/81611/ (data obrashcheniya 25.11.2013g)
Gershteyn S.E. Povyshenie urovnya bezopasnosti dorozhnogo dvizheniya: privyazka obyazatel nogo strakhovaniya avtograzhdanskoy otvetstvennosti k voditelyu // Probely v rossiyskom zakonodatel stve №4, 2012, s. 164-166

compulsory third party liability insurance, road safety, a unified database of insurers.