ORDER OF THE GOVERNMENT OF THE RUSSIAN FEDERATION

of May 7, 2003 No. 263

About approval of Rules of obligatory civil liability insurance of owners of vehicles

According to the Federal Law "About Obligatory Civil Liability Insurance of Owners of Vehicles" Government of the Russian Federation decides:

1. Approve the enclosed Rules of obligatory civil liability insurance of owners of vehicles.

2. This resolution becomes effective since July 1, 2003.

Approved by the Order of the Government of the Russian Federation of May 7, 2003 No. 263

Rules of obligatory civil liability insurance of owners of vehicles

I. General provisions

1. These rules determine standard conditions according to which the agreement of obligatory civil liability insurance of owners of vehicles is signed (the agreement of compulsory insurance hereinafter is referred to as further).

2. When implementing obligatory civil liability insurance of owners of vehicles (further imenuyetsyaobyazatelny insurance) the insurer shall for the payment (insurance premium) caused by the agreement of compulsory insurance in case of approach of the event (insured event) provided by these rules to perform insurance payment to the injured (third party) for the purpose of the indemnification caused to life, health or property of the victim within the amount (insurance sum) defined by the agreement.

3. The risk of the civil responsibility of owners of vehicles is not subject to compulsory insurance according to these rules:

a) which maximum constructive speed constitutes no more than 20 km/h;

b) to which on their technical characteristics regulations of the legislation of the Russian Federation on the admission of vehicles to participation in traffic in the territory of the Russian Federation do not extend;

c) which are at the disposal of the Armed Forces of the Russian Federation, except for buses, cars and trail cars to them, other vehicles used for ensuring economic activity of the Armed Forces of the Russian Federation;

d) which are registered in foreign states if the civil responsibility of owners of such vehicles is insured within the international systems of compulsory insurance which participant is the Russian Federation;

e) in the part concerning the trail cars belonging to citizens to cars.

4. In these rules the following concepts are used:

"vehicle" - the device intended for transportation across roads of people, loads or the equipment installed on it. The vehicle is also the trail car (semitrailer truck and the pole trailer) which is not equipped with the engine and intended for movement in structure with the motorized vehicle. The vehicle is allowed to participation in traffic in accordance with the legislation of the Russian Federation;

"use of the vehicle" - the operation of the vehicle connected with its participation in movement within roads (traffic) except the railroads, and also on adjacent to them and the territories (the yards, residential arrays, parking of vehicles, fuel stations and other territories) intended for movement of vehicles. Operation of the equipment installed on the vehicle and which is directly not connected with participation of the vehicle in traffic is not use of the vehicle;

limited use of the vehicles which are in property or in ownership of citizens" - control of the vehicles which are in property or in ownership of citizens, the drivers only specified by the insurer and (or) seasonal use of vehicles within 3 and more months in calendar year;

"limited use of the vehicles which are in property or in ownership of legal entities" - seasonal use of the vehicles which are in property or in ownership of legal entities (snow-removing, agricultural, watering and other special vehicles) within 6 and more months in calendar year;

"vehicle owner" - the owner of the vehicle, and also person owning the vehicle on the right of economic maintaining or the right of operational management or on other legal cause (the lease right, the power of attorney to the right of vehicle control, the order of relevant organ about transfer of the vehicle to it, etc.). Person managing the vehicle in case of execution of the service or labor duties including based on the employment or civil contract with the owner or other vehicle owner is not vehicle owner;

"driver" - person who manages the vehicle (uses the vehicle) on right of possession, uses, the order which risk of responsibility is insured under the agreement of compulsory insurance. This person including exercises vehicle control based on the employment contract (contract) or the civil contract with the owner or other vehicle owner whose risk of responsibility is insured according to the agreement of compulsory insurance. When training in vehicle control by the driver the training person is considered;

"victim" - person, to life, health or property of which harm when using the vehicle by the other person was done, including the pedestrian, the transport driver to whom harm, and the passenger of the vehicle - the participant of the road accident is done (except for person recognized by the victim according to the Federal Law "About Obligatory Civil Liability Insurance of Carrier for Damnification of Life, to Health, Property of Passengers and about Procedure for Compensation of Such Harm Done when Transporting Passengers by the Subway");

"the residence (location) of the victim" - the residence of the citizen (the location of the legal entity) recognized by the victim determined according to the civil legislation;

"insurer" - person who signed the agreement of compulsory insurance with the insurer;

"insurer" - insurance company which has the right to perform obligatory civil liability insurance of owners of vehicles on conditions and according to the procedure, established by the Federal Law "About Obligatory Civil Liability Insurance of Owners of Vehicles" and these rules according to the permission (license) issued in the procedure established by the legislation of the Russian Federation;

"the representative of the insurer" - the separate division of the insurer (branch) in the subject of the Russian Federation which is carrying out in the limits of power of the insurer provided by the civil legislation of the Russian Federation on consideration of requirements of the victims about insurance payments and their implementation or other insurer who is carrying out the specified powers due to the compulsory insurance of the insurer which signed the agreement based on the contract with the insurer;

"professional association of insurers" - the non-profit organization operating in accordance with the established procedure for the purpose of ensuring interaction of insurers and development of rules of professional activity;

"the insurance policy of compulsory insurance" - the document of the established sample certifying implementation of compulsory insurance;

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