The financial crisis will lead to global changes in the insurance market in 2009, ahead of the massive bankruptcy of small and medium-sized companies, increasing the number of cases of fraud and increase loss CTP. Standard & Poor's in early February 2009 year published a study which indicated that this year "insurance market is experiencing unprecedented pressure due to a probable recession in the Russian economy." S & P implies a reduction charges on different segments of the retail insurance to 40%. The agency suggests that "avtograzhdanki" in which, according to their data, accounting for 14% of the market is already profitable. At the end of December last year the volume of CTP sales, operating today edition of the Tax Code does not allow for proper treatment of the mutual obligations of insurers, resulting in the calculation of direct damages. In addition, no defined mechanism to protect the interests of insurers to properly perform its obligations to customers, the actions of companies that may evade the obligations to compensate damages under the direct damages (the mechanism of financial guarantees). In addition to the above there is currently no single method to assess damage and not fulfilled the requirements of the RF Government Resolution of 24 April 2003 year 238 "On organization of independent technical expertise vehicles" in terms of organization, methodical and informational support for an independent technical examination of vehicles, and also in terms of approval requirements, the expert technicians attestation expert technicians. "In connection with the circumstances believe that a transfer of administration of direct damages and simplified procedures for arranging an accident for at least two years. These changes should be introduced in the updated insurance market and a stable economic situation ", – thinks Vitali Knyaginichev. "So far it is unclear how medium-sized insurer will treat the accident as he was able to independently assess, fit it to 25 thousand rubles or not.