Methodology for determining the value of the usable remains of a lost (destroyed) vehicle. Useful balances Estimation of the cost of useful leftovers sample

Useable remains are serviceable and usable components (parts, assemblies) of a vehicle that has received significant damage as a result of a traffic accident or any other accident considered an insured event. With a reliable calculation of the exact amount of material resources that can be obtained from the sale of such parts, and our assessment of the cost of usable residues is intended to help. The procedure allows you to determine the real price at which components can be sold, taking into account all costs.

Remains cannot be considered acceptable for sale if they cannot be dismantled or sold on the secondary market due to certain nuances of the latter. In addition, units with too long a service life cannot be considered suitable. From a legislative point of view, the latter are no more valuable than simple scrap metal, since they are determined by the value of non-ferrous metal scrap based on the conclusions of companies with competence in the relevant field. If the material of the remains was not metal, their assessment is ignored.

If we consider machine components from the point of view of operational characteristics, then the assessment of the value of usable residuals is carried out only in relation to those parts that meet the following requirements:

• the unit must have the necessary functionality in full;
• the part must not have mechanical damage or cracks;
• the object must correspond to the condition in which it was released by the manufacturer (assuming similarity of shape and properties);
• The component must be repaired for the first time and cannot contain any traces of corrosion.

The definition of too long a service life varies depending on the vehicle manufacturer:

• for domestic cars, the relevance of the components expires after seven years of use;
• For imported cars, it is considered relevant to consider the part that has been used for no more than fifteen years.

If the wear of the unit exceeds eighty-five percent, making a profit from it after an accident can also be problematic.

How is the value of usable residues assessed?

According to official documentation, this procedure is permissible and advisable only in one case - the total loss of the car. The last words can mean two scenarios:

1. The cost of repair work, taking into account the wear and tear of the car, exceeds eighty-five percent of its market value immediately at the time of the traffic accident;
2. Carrying out repair work to restore a damaged vehicle in the current situation is considered impracticable under the rules for accepting vehicles for repair.

Estimating the cost of usable remains is based on a relatively simple formula and involves multiplying the cost of the car by the percentage of the cost of components and assemblies acceptable for future use. The formula also contains several coefficients that allow adjustments to be made for many parameters, including the service life of the object. The client can check with our specialists for more details regarding the formula used, if necessary.

What kind of paperwork will the assessment of the value of usable balances require?

1. A copy of the vehicle passport (or vehicle registration certificate).
2. A document evidencing an inspection of the vehicle or a work order for the services of a service station.
3. Data on the cost of repair work to completely restore the vehicle.
4. List of basic customer data, including full name, registration and actual place of residence, contact phone number, email, etc.
5. A document that serves as formal proof that the vehicle has significant damage. This may be a certificate from the state road safety inspection or the conclusion of other organizations allowed to carry out this type of activity.

Residual value of the vehicle

The residual value of the vehicle is calculated in several successive steps.

1. The price of a new vehicle is determined, taking into account the prices established in a particular region for primary market cars, sold either by the manufacturer’s subsidiaries or by its intermediaries.
   In situations where an existing car is no longer in production, the price of a new vehicle is determined taking into account the reduction coefficient, as a result of which the cost of purchasing a car with similar parameters can be multiplied by a coefficient ranging from 0.8 to 0.95.
2. From the result obtained, the physical wear and tear of the vehicle in monetary terms is first subtracted, then the mileage and intensity of use of the vehicle.
   The value of physical wear and tear of a vehicle is formed directly due to the service life of the vehicle.
   The mileage value is taken either from the odometer data or from the results obtained by calculating the average annual value. The second method is used when the device malfunctions or there is a justified mistrust of the available indicators.
3. The cost of repair work to completely restore the vehicle is subtracted from the result obtained.

Once the above procedures have been carried out, the final result is adjusted for loss of marketable value.

After this, the expert receives the residual value of the vehicle.

What documentation is required to determine the residual value?

1. A copy of the car's passport (or its registration certificate).
2. A document that serves as formal proof that the vehicle has significant damage.

If the client wishes to enter into an agreement with us for the provision of this service, his passport data will also be required.

Estimation of the cost of usable residues and some nuances

Based on the articles of the regulation of the Bank of Russia dated September 19, 2014 N 434-P, we will consider some of the nuances of the procedure.

In situations where the insurance company, with the consent of the injured party, sold and paid for the replacement of components of the car, the usable remainders should mean components supplied exclusively assembled and subject to payment by the insurance company in a combined list, of which only some components are suitable for use during repair work Good remnants also include parts that cannot be restored by the efforts of a specific repair company, but theoretically can be completely repaired using technologies already existing on the market. In these situations, the cost of these vehicle components is set based on written materials from the customer.

In all other cases, the cost of the usable remains of the car is formed taking into account information received from special auctions engaged in the public sale of cars that have survived a traffic accident or other accident. If for some reason it is not possible to obtain data from special auctions or special auctions are not being held at the moment, it is permissible to rely on the readings of trading platforms on the Internet. A platform of this kind must have appropriate specificity and be based on the sale of used or damaged cars. Estimation of the value of usable balances can also be carried out using calculation methods, which were already mentioned earlier, however, the insurer often resorts to this technique only in situations where the two previous options are not feasible within the next fifteen days.

What are the stages involved in assessing usable residues?

1. The client contacts our experts, accompanying the application with a detailed description of the situation and existing problems.
2. There is a preliminary discussion of the cost of the upcoming work.
3. A convenient time is selected for the meeting and all necessary procedures.
4. An agreement is signed to assess the usable residues, and the cost of the work is paid.
5. Our experts carry out all the necessary procedures, resolve any difficulties that arise, and provide the client with comprehensive consultations as necessary.
6. Within a few days (the issue is clarified with a specialist), the customer receives a final conclusion indicating all the necessary data. The document can be used in disputes and legal proceedings.

Appendix 8. METHODOLOGICAL PROVISIONS FOR CALCULATING THE COST OF ANNUAL REMAINS.

METHODOLOGICAL PROVISIONS FOR CALCULATING THE COST OF ANNUAL REMAINS

(RFTSSE, 2008)

1.1. Conditions for calculating the cost of usable balances

1.1.1. The cost of the usable remains of a vehicle can be calculated only if the following conditions are met:

Total loss of a vehicle as a result of an accident. Total loss means the case when the cost of restorative repairs of a damaged vehicle, taking into account wear and tear, is equal to or exceeds 85% of its value at the time of damage, or carrying out restorative repairs is technically impossible.

1.1.2. Calculation of the cost of usable residues should not be made in the following cases:

When the vehicle cannot be disassembled for spare parts, taking into account its technical condition;

When, due to the regional characteristics of the secondary spare parts market, the usable remains of a given vehicle are not in demand.

1.2. Useful remains of a vehicle

1.2.1. Useful remains of a vehicle are understood as serviceable parts (units, components) of a damaged vehicle that have a residual value, usually suitable for further use, which can be dismantled from the damaged vehicle and sold. Accordingly, the cost of usable residues is understood as the most probable cost at which they can be sold, taking into account the costs of their dismantling, troubleshooting, repair, storage and sale.

Usable residues must meet the following conditions:

1) The part (unit, unit) must not have any damage that impairs its integrity and presentation, and the unit (unit), in addition, must be in working order.

2) The part (unit, assembly) must not have changes in design, shape, integrity and geometry not provided for by the vehicle manufacturer (for example, additional holes and cutouts for fastening non-standard equipment);

3) The part must not have traces of previous repairs (traces of straightening, straightening, traces of putty, traces of partial repair, etc.).

1.3. Calculation of the cost of usable balances

1.3.1. The cost of usable residues, taking into account the costs of their dismantling, defect detection, storage and sale, is determined by the formula:

where: C – the cost of the car in an undamaged state at the time of determining the value of the usable remains;

Кз – coefficient taking into account the costs of defect detection, disassembly, storage, sale;

Kv is a coefficient that takes into account the service life of the vehicle at the time of damage and the demand for its undamaged parts;

K op is a coefficient that takes into account the volume (degree) of mechanical damage to the car.

- percentage ratio (weight) of the cost of undamaged elements to the cost of the car, %.

n – number of undamaged elements (units, units);

1.3.2. The percentage of the cost of undamaged parts is determined according to Table 1.1.

Table 1.1.

Approximate percentage ratio of the cost of components and assemblies of passenger cars to the cost of the car

** - the value in parentheses is for vehicles with rear-wheel drive.
In case of partial damage to a part (assembly, unit), according to Table 1.1, the expert must take the value C i proportional to the volume of this damage. For example, if the front suspension on the right of a rear-wheel drive car is damaged (the left side of the suspension is not damaged), the value C i for the “front suspension” position is taken equal to 4.
1.3.3. The coefficient of reduction in the cost of “usable remains” of a car, taking into account the costs of disassembly, troubleshooting, storage, sale, (Kz) is recommended to be taken equal to 0.7.

1.3.4. The value of the K coefficient, which takes into account the service life of the vehicle at the time of determining the cost of “usable remains”, as well as the demand for undamaged parts, is determined according to Table 1.2.

Table 1.2. Values ​​of coefficient K in

1.3.5. The value of the coefficient that takes into account the volume (degree) of mechanical damage to the car (K op) is determined according to Table 1.3.

Table 1.3.

1.4.1. The main purpose of the expert examination during the examination of usable remains is to establish the nomenclature and degree of damage to parts (units, assemblies) that can be classified as usable remains of a damaged vehicle.

1.4.2. The vehicle must be presented for expert inspection in a condition that has not been restored after an accident. The remains of a motor vehicle submitted for examination must be clearly identified as belonging to a damaged motor vehicle, the examination of the usable remains of which is being carried out.

1.4.3 It is recommended that an expert inspection of a motor vehicle for examination of usable residues be carried out using means of instrumental monitoring of the technical condition of motor vehicles and their individual units.

1.4.5. The remains of vehicles that are not subject to further operation are determined by the cost of scrap, ferrous or non-ferrous metals included in their design. Since at present, the cost of dismantling a passenger car for scrap metal, the cost of defect detection, delivery to the place of scrap metal and delivery of scrap metal, as a rule, exceeds the cost at which the metal contained in the car’s structure can be scrapped, the cost residues not subject to further use for passenger cars are not calculated.

The damage to a car resulting from an accident is sometimes so significant that it simply does not make sense to plan its repair, since it is economically unprofitable or technically impossible. In such a situation, one cannot do without calculating the cost of serviceable vehicle residuals (GOTS), the purpose of which is to adequately assess the amount of damage caused to the owner of the damaged car. What is included in this capacious concept? Parts, assemblies and assemblies that have survived and remain operational, which can be dismantled and sold on the existing market of used auto parts.

During the assessment activities, a number of significant factors are taken into account:

• integrity and presentation;
• wear of parts;
• presence of corrosion and other damage;
• suitability for use;
• potential costs of dismantling and subsequent storage;
• trading costs, etc.

Speaking of CASCO, a car is considered to be total (structurally lost) in the case when the estimated cost of the upcoming restoration repair exceeds the threshold of 60-85% of the insurance payment (the exact rate varies depending on the requirements of the specific insurer). It is in similar situations that an independent assessment is required, during which experienced experts determine the value of the usable remains of a total car.

If we are talking about compulsory motor liability insurance, the so-called economic feasibility of repairing the car will be assessed. During the assessment, experts will compare the estimated costs of repairs without taking into account wear and tear of components with the current market value of an undamaged similar car at the time of the incident. Also, an examination of usable remains is carried out if there is no technical possibility to bring the damaged car into its working condition - registration plates are lost, there is no technological possibility to repair the car, etc.

It is no secret that insurers are doing their best to inflate the value of balances in order to reduce the amount of insurance payment due to the owner of the car. As a result of such an attitude, you risk receiving material compensation that does not fully correspond to the amount of damage.

Documents on the basis of which GOTS is calculated

1. Vehicle inspection report, including a description of all damaged parts. If the car has been inspected more than once, all available reports are provided.
2. Certificate of damage to the car. If the accident was registered by traffic police officers - form No. 154, if the damage was not received as a result of the accident and the incident was registered at the police department - form No. 3.
3. Title documents for the car (PTS or registration certificate).

If you do not have an inspection report or are unable to promptly provide it, since not all insurers issue such documents to clients, specialists from our company Independent Expert Assessment VEGA will independently inspect your car. Based on this inspection, the cost of suitable residues will be calculated.

Mandatory requirements for the parts being evaluated

• undamaged surface and working condition - there should be no chips, cracks or other defects that make further use/sale of components impossible;
• serial production - only units and parts corresponding to the make of the car are accepted for evaluation. Unauthorized modernization (fastening, adding holes or individual elements) is unacceptable;
• components can be assessed as valid remnants if they have not been repaired (in whole or in part previously), and also meet all requirements in terms of functionality and appearance.

Price list for estimating the value of usable residues

A report on the assessment of the value of the usable remains of the car is compiled by our experts within one working day from the moment they receive all the documents necessary for the study.

• A serious accident, after which the car is completely disabled.
• Repairing a car after an accident turned out to be too expensive; taking into account wear and tear, the cost of restoration will be higher than 85% of the cost of the same car without defects. Considering the economic inexpediency of allocating money for repairs, the car is written off.
• The car is very old, significantly worn out, its technical condition does not allow driving it, since it is unsafe.

In all of the above situations, suitable balances that can be sold are assessed. In each specific case, when inspecting a damaged vehicle, it is the expert who makes the conclusion whether it makes sense to dismantle the usable remains or whether the parts of this brand of car are not particularly popular among car owners.

Calculation of the cost of usable balances

Useful balances are assessed when estimated costs exceed a certain percentage of actual market value. Specific thresholds depend on the type of insurance policy. If for OSAGO they are directly specified in the law, then with CASCO it is prescribed either in the contract with the client or in the insurance rules developed by a specific company.

If you are not sure that the insurer’s specialist carried out the inspection and calculations efficiently, contact an independent, trustworthy expert.

In order for the appraiser to agree to conduct an examination of usable residues, there are a number of conditions:

• The percentage of wear and tear of a foreign car and usable residues should not be more than 60%, the service life of the car should not be more than 15 years.
• For domestically produced cars, the wear threshold is also set at 60%, but the service life is limited to 7 years.

If your vehicle meets these requirements, it will simply be disposed of as regular scrap metal.

Before carrying out the calculation, all parts that may still serve are inspected not only visually, but also with the help of special tools. This is best done on lifts or stands that simplify access.

For calculations, use the formula: the cost of usable remains is the product of the market value of a vehicle without damage, determined as of a specific date, and the sum of the ratio, as a percentage, of the cost of usable elements to the cost of the car. In this case, a number of coefficients are taken into account: the cost of removal and storage, the service life of the machine, the demand for its used spare parts, the degree of damage received.

In other words, the cost of usable remains is the market value of intact and usable components and car parts minus the costs of their extraction, preparation, and sale.

What details are taken into account?

Spare parts suitable for use in another vehicle meet the following requirements:

• functionality is not impaired, there are no external or internal defects;
• the part has been mass-produced, all parameters declared by the manufacturer have not been changed;
• the spare part has not been subjected to mechanical processing not provided by the manufacturer, there are no extra cracks or holes in it;
• The part is intact and not damaged by external factors.

The calculation is not made if the removal of parts is difficult due to the unsatisfactory condition of the machine, or there is almost no even minimal demand for them.

Compensation under CASCO is awarded to the owner of the car, taking into account the identified usable balances that are subject to sale. The insurance company does the calculations, but you shouldn’t trust them completely. If you have the slightest doubt about objectivity, order an independent examination.

Chapter 5. The procedure for calculating the cost of usable remains in the event of a complete loss of the vehicle

5.1. Components (parts, components, assemblies) of a damaged vehicle, serviceable, having a residual value and suitable for further use, which can be dismantled from the damaged vehicle in the event of its complete loss (or the release of which is planned during the repair process) and sold (usable remains vehicle) must meet the following conditions:

component products (parts, assemblies, assemblies) must not have any damage that impairs their integrity and presentation, and the components or assemblies, in addition, must be in working condition;

components (parts, assemblies, assemblies) must not have changes in design, shape, integrity and geometry not provided by the vehicle manufacturer (for example, additional holes and cutouts for attaching non-standard equipment);

parts should not have traces of previous repairs (for example, traces of straightening, straightening, putty).

5.2. In the event that the insurer, in agreement with the victim, organized and paid for the replacement of parts, the usable remainder includes parts (assemblies) that are supplied only as a set and which are subject to payment by the insurer as a set, of which only a part is to be used for restoration repairs, as well as components products (parts, components, assemblies) that cannot be repaired under the conditions of a repair organization carrying out repairs, but repair technologies for which exist on the market. The cost of such components (parts, assemblies, assemblies) is calculated on the basis of a separate written order from the customer (insurer, victim).

5.3. The cost of the usable remains of a vehicle (the cost at which they can be sold, taking into account the costs of their dismantling, defective repair, repair, storage and sale) is determined according to the data of specialized auctions that carry out open public sale of damaged vehicles (the cost of the usable remaining assembled parts is determined) . In the absence of specialized tenders, it is allowed to use and process data from universal platforms (sites on the Internet information and telecommunications network) for the sale of used vehicles, or the determination of the value of usable remains is carried out by calculation method in accordance with the requirements of Chapters 2 of this Methodology.

5.4. Calculation of the value of usable balances using calculation methods is not carried out if:

the vehicle can be valued or sold at specialized sales (auctions) or valued by processing data from universal platforms for the sale of used vehicles within a period not exceeding 15 days;

The vehicle cannot be disassembled for spare parts due to its technical condition.

The calculation method of bidding is used subject to a detailed justification for the impossibility of determining their value by other methods provided for by this Methodology.

5.5. The cost of usable residues, taking into account the costs of their dismantling, defect detection, storage and sale, is determined by the formula:

C - the cost of the vehicle in an undamaged state at the time of determining the value of the usable remains;

A coefficient that takes into account the costs of defect detection, disassembly, storage, and sale;

A coefficient that takes into account the service life of the vehicle at the time of damage and the demand for its undamaged parts;

A coefficient that takes into account the volume (degree) of mechanical damage to a vehicle;

Percentage ratio (weight) of the cost of undamaged elements to the cost of the vehicle, %;

n is the number of undamaged elements (units, nodes).

5.6. The coefficient of reduction in the cost of usable residues, taking into account the costs of disassembly, defect detection, storage, sale, is recommended to be equal to 0.7 for cars, light trucks and motorcycles and equal to 0.6 for trucks, buses, and special equipment.

5.7. The value of the coefficient taking into account the service life of the vehicle at the time of determining the cost of usable remains, as well as the demand for undamaged parts, is determined in accordance with Appendix 9 to this Methodology.

5.8. The value of the coefficient taking into account the volume (degree) of mechanical damage to the vehicle, as well as the percentage (weight) of the cost of undamaged elements to the cost of the vehicle are determined in accordance with Appendix 10 to this Methodology.

5.9. Remnants of a vehicle that are not subject to further use for their intended purpose are determined by the cost of scrap ferrous or non-ferrous metals included in their design, based on a sample of data from specialized organizations that collect and process scrap. The cost of residues made from non-metallic materials is not determined.