Loss of marketable value (LCV) means a decrease in the actual market value of a car as a result of deterioration in its consumer qualities. When calculating the vehicle's technical characteristics, the subject of assessment is the premature deterioration of the appearance and performance of the vehicle due to wear of its individual parts, protective coatings, components and connections due to an accident. UTS refers to actual damage and is taken into account when determining the amount of insurance payment.
The most common methods for assessing a car for vehicle technical characteristics today are:
Method of the Ministry of Justice of the Russian Federation;
- Halbgewax method.
The methodology of the Ministry of Justice of the Russian Federation is used to evaluate the vehicle technical characteristics of foreign and domestic cars up to 5 years old, with wear less than 35%. Calculation of vehicle technical equipment using the Halbgewax method is carried out only for foreign-made cars no older than 5 years, with wear no more than 40%. The VAT of a car can reach 10% in relation to its market value.
The Halbgewachs method is widely used among European independent assessment and examination offices. According to this methodology, the TTS is calculated using the following formula:
TCB = (K/100)*(CR+CO)
-TCB– loss of market value;
- TO– coefficient determined from the Halbgewachs table;
-CR
- CO– total cost of repairs.
Before you begin calculating the technical support, you should calculate its economic feasibility using the formula:
(CR/CN)*100%
- CR– market price of a used car;
- CN– the price of a new car at the time of release.
If the result obtained is below 40%, then it is not practical to calculate the TTS. If the result is over 40%, the TTS is calculated.
A = (SO/CR)*100%
B = (SR/CM)*100%
- SR- cost of work;
- CM– cost of materials and spare parts.
At A< 10 % (т.е. когда стоимость ремонта значительно ниже цены подержанного автомобиля) УТС рассчитывается только в исключительных случаях.
When A > 90% (i.e., when the cost of spare parts and materials significantly exceeds the cost of restoration work), it is not practical to calculate the technical resistance.
At B< 40 % (т.е. когда стоимость запчастей и материалов значительно превышает стоимость восстановительных работ) УТС также рассчитывается только в исключительных случаях.
If the calculations performed have confirmed the feasibility of calculating the control unit, you should determine the value of the coefficient K from the Halbgewachs table and substitute it into the original formula. Halbgewachs table for determining the maximum value of TCB for passenger cars
| A-ratio | B-ratio | up to 2 months | up to 6 months | up to 12 months | up to 24 months | up to 36 months | up to 48 months | up to 60 months | ||
| I | 10-20% | a | >130 | 5,00 | 4,50 | 4,00 | 3,50 | 3,00 | 2,50 | 2,00 |
| b | <130-100 | 4,50 | 4,00 | 3,50 | 3,00 | 2,50 | 2,00 | 1,50 | ||
| c | <100-70 | 4,00 | 3,50 | 3,00 | 2,50 | 2,00 | 1,50 | 1,00 | ||
| d | <70-50 | 3,50 | 3,00 | 2,50 | 2,00 | 1,50 | 1,10 | 0,50 | ||
| e | <50-40 | 3,00 | 2,50 | 2,00 | 1,50 | 1,00 | 0,50 | - | ||
| II | 21-33% | a | >130 | 5,25 | 4,75 | 4,25 | 3,75 | 3,25 | 2,75 | 2,25 |
| b | <130-100 | 4,75 | 4,25 | 3,75 | 3,25 | 2,75 | 2,25 | 1,75 | ||
| c | <100-70 | 4,25 | 3,75 | 3,25 | 2,75 | 2,25 | 1,75 | 1,25 | ||
| d | <70-50 | 3,75 | 3,25 | 2,75 | 2,25 | 1,75 | 1,25 | 0,75 | ||
| e | <50-40 | 3,25 | 2,75 | 2,25 | 1,75 | 1,25 | 0,75 | 0,25 | ||
| III | 34-45% | a | >130 | 5,50 | 5,00 | 4,50 | 4,00 | 3,50 | 3,00 | 2,50 |
| b | <130-100 | 5,00 | 4,50 | 4,00 | 3,50 | 3,00 | 2,50 | 2,00 | ||
| c | <100-70 | 4,50 | 4,00 | 3,50 | 3,00 | 2,50 | 2,00 | 1,50 | ||
| d | <70-50 | 4,00 | 3,50 | 3,00 | 2,50 | 2,00 | 1,50 | 1,00 | ||
| e | <50-40 | 3,50 | 3,00 | 2,50 | 2,00 | 1,50 | 1,00 | 0,5 | ||
| IV | 46-65% | a | >130 | 5,75 | 5,25 | 4,75 | 4,25 | 3,75 | 3,25 | 2,75 |
| b | <130-100 | 5,25 | 4,75 | 4,25 | 3,75 | 3,25 | 2,75 | 2,25 | ||
| c | <100-70 | 4,75 | 4,25 | 3,75 | 3,25 | 2,75 | 2,25 | 1,75 | ||
| d | <70-50 | 4,25 | 3,75 | 3,25 | 2,75 | 2,25 | 1,75 | 1,25 | ||
| e | <50-40 | 3,75 | 3,25 | 2,75 | 2,25 | 1,75 | 1,25 | 0,75 | ||
| V | 66-90% | a | >130 | 6,00 | 5,50 | 5,00 | 4,50 | 4,00 | 3,50 | 3,00 |
| b | <130-100 | 5,50 | 5,00 | 4,50 | 4,00 | 3,50 | 3,00 | 2,50 | ||
| c | <100-70 | 5,00 | 4,50 | 4,00 | 3,50 | 3,00 | 2,50 | 2,00 | ||
| d | <70-50 | 4,50 | 4,00 | 3,50 | 3,00 | 2,50 | 2,00 | 1,50 | ||
| e | <50-40 | 4,00 | 3,50 | 3,00 | 2,50 | 2,00 | 1,50 | 1,00 | ||
C = C x SUM K / 100% (rub.), (8.25) uts ok uts i where: C is the final price of the automatic telephone exchange, rub.;
ok K - coefficient of technical resistance for the i-th element of the automatic transmission system, repair element of the i-th impact, %.
8.2.2. The magnitude of the TC depends on the type, nature and volume of damage (repair actions). The values of the coefficients UTS K for individual positions are determined based on the results of UTS i expert practice and are given in Appendix 5 (Table 5.13).
8.2.3. When replacing conjugate non-removable body elements connected to each other by welding, in order to avoid double accounting of the influence of the same impact, the sum of the coefficients of the TC K for the position “Replacement” for the group of these elements should be reduced by TC i by 20%.<...>8.2.4. When repairing a removable part of an automatic vehicle, the sum of the cost of repair (including the cost of disassembling for repair and, if necessary, removing the part for repair) and the value of the technical resistance (excluding the technical value due to painting) should not exceed the sum of the cost of this part (taking into account operational wear) and the cost of work on it replacement.<...>8.2.5. The value of the CV coefficient K for the position “Body CV distortion” should not exceed 50% of the established value if, during the inspection of the vehicle, traces of the elimination of the distortion were found in the damaged part of the body (the fact of the elimination of the distortion) not related to this incident was documented.<...>8.2.6. The vehicle technical cost for full, external or partial painting of the body (cabin) is calculated for vehicles with factory paint and varnish coating and the period from the date of production for domestic vehicles (USSR, CIS) is up to 3 years inclusive,<...>early production (including production<...>CIS under license or in a joint venture
8.2.6.1. The value of the TC coefficient K for element-by-element TC painting of the outer surfaces of the vehicle body is calculated in proportion to the number of painted elements N (item “Painting of one external body element” - Appendix 5, table 5.13, line 28) using the formula: K = K + K x (N - 1) (%), (8.26) TS okr UT okr (1) TS okr (N-1) where: K is the TC coefficient for painting the first external TC okr (1) vehicle body element, %;
K - coefficient of vehicle technical equipment for the color of the second technical vehicle enclosure (N-1) and each subsequent external element of the vehicle body, %;
N is the number of external elements of the vehicle body to be painted, from which the vehicle technical rating is calculated (see clause 8.2.7).
It should be taken into account that if there are defects and damages and/or traces of their elimination (traces of repair, painting) on the painted elements of the vehicle body, located both in the area of damage received and outside the area of damage received, that arose before the incident and/or traces of their elimination (traces of repair, painting), it is necessary to take into account :
K = K (%). (8.27) TS okr (1) TS okr (N-1) 8.2.6.2. When performing exterior or full painting of a vehicle in the presence of defects and damage to the paint coating of external body elements (and/or traces of their elimination) that arose before the incident, the value of the UTS K coefficient for the external or full paint job is reduced in proportion to the number of such elements (for example, if there are 2 damaged elements with a total number of 14, the coefficient will be K = 5% - 5% x 2 / 14 = 4.29%).
uts okr
8.2.7. UTS is not calculated:
A) for replacement and repair of individual elements:
Minor damage to the element requiring repair without heating and restoration (repair of the 1st category of complexity);
The element damaged as a result of the incident was repaired (replaced) earlier or required repair (replacement) for reasons not related to this incident (there is corrosion damage (destruction) or traces thereof, unrepaired damage or traces of repair (replacement) of this element after previous incidents);
Everyone has noticed that on online trading platforms, a practically new car can cost tens of times less than one purchased from a car dealership. Of course, reading the ad we will understand that the car was involved in a minor accident or a serious car accident, but it was restored and restored to its original appearance.
But a damaged car that has been in even a minor accident loses its attractiveness when sold. This means that it will not be possible to sell a damaged car at the market value of the vehicle.
In such a situation, you can benefit, despite the initial payment received from the insurer and the culprit of the disaster under the insurance. The solution in such a situation will be the loss of the marketable value of the car under compulsory motor liability insurance (UTS) in 2020, calculations and payments made by insurers.
In judicial practice, the vehicle's vehicle technical status is understood as loss of marketability. That is, a new car that has been involved in a car accident and restored after an accident, even if it is perfectly repaired, will still be damaged, and, therefore, not a single buyer will give that amount for it if he had not been involved in the accident.
Loss of the marketable condition of a car under compulsory motor liability insurance is not so widespread in insurance. Insurers try their best not to disclose such information to clients, providing them only with repairs at a service station or payment of compensation. This means that you will have to go to court on your own to recover payments from the insurance company after damage received during a traffic accident and subsequently MTPL under compulsory motor liability insurance in 2020.
But before bringing the case to court, it is necessary to calculate the loss of marketable value, since the insured cannot demand payments under the TTS without reason, much less independently determine their amount. Consequently, the total amount of compensation depends on the nature of the damage and is also determined by an examination, as are insurance payments.
Only an independent examination and assessment can accurately calculate the TCB. Independent examination documents are sent to the court. But, like a claim under compulsory motor liability insurance, first the calculated loss of the marketable value of the car under auto insurance in 2020 is sent to the insurance company in the form of an application for payment. If it is not possible to reach an agreement with the insurer and receive money, then recovery must be demanded through the court.
Conditions for receiving MTPL payments under compulsory motor liability insurance
Due to the loss of the marketable value of the car, the owner will not be able to sell it at a high price, therefore, he will lose about 20-30%. But not all car owners are allowed to apply for TTS. This means that in order to contact an insurance company, where they will calculate a certain coefficient for the purpose of calculating compensation, you must meet certain conditions.
Thus, the vehicle insurance under compulsory motor liability insurance can only receive:
- Injured party in a car accident;
- A car restored due to an accident for an amount not exceeding 400 thousand rubles;
- The car is not older than three years of Russian brands;
- A foreign car is not older than five years;
- The car accident occurred for the first time and the wear of the vehicle does not exceed 35%.
A driver who has traffic police fines, has been involved in previous accidents, operates a vehicle for the purpose of transporting passengers, or a car older than 5 years, is not entitled to compensation for the vehicle.
The procedure for collecting vehicle insurance under compulsory motor liability insurance
In order to compensate for damage from loss of marketability in the future, you need to insure your civil liability in a timely manner and, in the event of an accident, contact the insurance company before the statute of limitations expires.
The procedure by which payment must be made is as follows::
- We contact the insurance company (IC) regarding the accident;
- After submitting an application and the necessary documents, the car will be sent for examination;
- After the examination and calculation of damage, the vehicle will be sent to a service station for repairs;
- Then we turn to an independent expert to calculate the amount of money spent on repairs, the work of service technicians, the number of parts and components replaced, as well as the actual price of the car, taking into account the work done and comparison with the same one, but without accidents;
- Having received the assessment form, you need to come to the insurance company and write an application requesting the return of the lost value of the car;
- If the insurance company does not want to cover the damage and does not give a written refusal within 5 days, then the case will have to be brought to court.
What documents will be needed
Since the lost price and payments for it are not mandatory and are not specified in the law “On Compulsory Motor Liability Insurance”, some car owners believe that, in addition to the compensation received, they cannot claim to eliminate the consequences of the car accident. Insurance companies take advantage of this and never mention such an opportunity, since losing the price of the vehicle is an additional expense.
To receive compensation for lost profits, you need to collect the following documents::
- Certificates and statements previously provided in the event of an accident with a request for compensation for damage. These include: application, traffic police certificate, notice, accident report, expert assessment of the amount of damage, etc.;
- Vehicle owner's passport and driver's license;
- Insurance policy (form);
- A receipt confirming payment by the owner of the vehicle to the state. collection;
- Vehicle inspection card and documents;
- An application for payment of TTS, a sample will be given to you at the IC office;
- An expert’s assessment of the real price of a car;
- Receipt and agreement on the costs of the appraiser's services.
Basic methods for calculating vehicle technical characteristics
Vehicle owners have the right to use a calculator for the market value of a car under compulsory motor liability insurance in 2019, but it will not be possible to find out the full cost. For a full calculation, you need to contact independent experts, since the online TCB calculator will give you an estimated price. And with such a calculation, there is no point in demanding recovery.
This means that the TTS is calculated only by specialist appraisers. It is very difficult to independently calculate and take into account the data that affects the amount of compensation. In order to calculate the size of the TTS depending on the market value, experts use special techniques that require not only knowledge of mathematics, but also special criteria used in the assessment.
There are several main methods applicable for the purpose of calculation, namely:
- Ministry of Justice;
- Halbgevaxa;
- Guiding document.
Experts use them all. But more often they work according to the methodology of the Ministry of Justice, since it is preferred by the judiciary.
Guidance document method
This method is often used, but it will be difficult for an ordinary person to understand the intricacies of the calculation without understanding mathematics. Each parameter included in the formula must be determined separately.
X total amount of technical equipment = X frame + X removable fragments + X painting + X body elements.
Halbgewax method
Calculation of the CTS using this method is also used in Russia, but it is more common in European countries. For calculations, a table and the total cost of the repair service are used, but the type of repair is not taken into account here.
But despite this, the method and formula are quite simple.:
Lost profit = (maximum vehicle loss coefficient ÷ 100) × (Vehicle market price + price for work)
The coefficient is determined using the Halbgewax table based on the relative price of repairs and its relationship to the price of materials and spare parts.
A-ratio = (Total repair cost ÷ Market price) × 100%
B-ratio = (Price for labor ÷ Price of materials and spare parts) × 100%
Before demanding payment from the company, you need to understand that not all types of transport and their owners are suitable. Having defended yourself under Casco in 2020, you have the same right to expect compensation for lost profits, just as if you were defending yourself only under compulsory motor liability insurance. But, being the culprit of a car accident and insured exclusively under a compulsory policy, it is useless to demand a vehicle insurance policy with an insurance company.
As a victim, you may be denied compensation for lost benefits because the amount exceeds the established limit. But in such cases, the uncovered amount is allowed to be demanded from the initiator of the accident.
In what cases can you not count on collecting the TTS?
It is useless to insist on payment of lost benefits from the insurance company if:
- The passenger car is more than 5 years old;
- The vehicle has previously been involved in car accidents, which means it is not the first time it has been sent for repairs;
- The defense contract initially did not indicate the possibility of payment for lost profits;
- It is impossible to carry out an assessment, since the owner of the vehicle repaired it himself;
- Wear is more than 35-40%;
- The driver who applied for payment is at fault for the accident, and there is no voluntary insurance policy.
Loss of marketable value (LCV) means a decrease in the actual market value of a car as a result of deterioration in its consumer qualities. When calculating the vehicle's technical characteristics, the subject of assessment is the premature deterioration of the appearance and performance of the vehicle due to wear of its individual parts, protective coatings, components and connections due to an accident. UTS refers to actual damage and is taken into account when determining the amount of insurance payment.
The most common methods for assessing a car for vehicle technical characteristics today are:
- method of the Ministry of Justice of the Russian Federation; Halbgewax method.
Method of the Ministry of Justice of the Russian Federation for assessing the loss of marketable value
The methodology of the Ministry of Justice of the Russian Federation is used to evaluate the vehicle technical characteristics of foreign and domestic cars up to 5 years old, with wear less than 35%. Calculation of vehicle technical equipment using the Halbgewax method is carried out only for foreign-made cars no older than 5 years, with wear no more than 40%. The VAT of a car can reach 10% in relation to its market value.Assessment of loss of marketable value using the Halbgewax method
The Halbgewachs method is widely used among European independent assessment and examination offices. According to this methodology, the TTS is calculated using the following formula: TCB = (K/100)*(CR+CO) Where:- TCB– loss of market value; TO– coefficient determined from the Halbgewachs table; CR CO– total cost of repairs.
Economic feasibility of calculating the technical support
Before you begin calculating the technical support, you should calculate its economic feasibility using the formula: (CR/CN)*100% Where:- CR– market price of a used car; CN– the price of a new car at the time of release.
A = (SO/CR)*100%
B = (SR/CM)*100%
- SR- cost of work; CM– cost of materials and spare parts.
At A> 90% (i.e. when the cost of spare parts and materials significantly exceeds the cost of restoration work) it is not practical to calculate the technical resistance.
At IN< 40 % (т.е. когда стоимость запчастей и материалов значительно превышает стоимость восстановительных работ) УТС также рассчитывается только в исключительных случаях.
If the calculations performed have confirmed the feasibility of calculating the technical stability, it is necessary to determine according to the Halbgewax table coefficient value TO and substitute it into the original formula.
Halbgewachs table for determining the maximum value of TCB for passenger cars
| A-ratio | B-ratio | up to 2 months | up to 6 months | up to 12 months | up to 24 months | up to 36 months | up to 48 months | up to 60 months | ||
| I | 10-20% | a | >130 | 5,00 | 4,50 | 4,00 | 3,50 | 3,00 | 2,50 | 2,00 |
| b | <130-100 | 4,50 | 4,00 | 3,50 | 3,00 | 2,50 | 2,00 | 1,50 | ||
| c | <100-70 | 4,00 | 3,50 | 3,00 | 2,50 | 2,00 | 1,50 | 1,00 | ||
| d | <70-50 | 3,50 | 3,00 | 2,50 | 2,00 | 1,50 | 1,10 | 0,50 | ||
| e | <50-40 | 3,00 | 2,50 | 2,00 | 1,50 | 1,00 | 0,50 | - | ||
| II | 21-33% | a | >130 | 5,25 | 4,75 | 4,25 | 3,75 | 3,25 | 2,75 | 2,25 |
| b | <130-100 | 4,75 | 4,25 | 3,75 | 3,25 | 2,75 | 2,25 | 1,75 | ||
| c | <100-70 | 4,25 | 3,75 | 3,25 | 2,75 | 2,25 | 1,75 | 1,25 | ||
| d | <70-50 | 3,75 | 3,25 | 2,75 | 2,25 | 1,75 | 1,25 | 0,75 | ||
| e | <50-40 | 3,25 | 2,75 | 2,25 | 1,75 | 1,25 | 0,75 | 0,25 | ||
| III | 34-45% | a | >130 | 5,50 | 5,00 | 4,50 | 4,00 | 3,50 | 3,00 | 2,50 |
| b | <130-100 | 5,00 | 4,50 | 4,00 | 3,50 | 3,00 | 2,50 | 2,00 | ||
| c | <100-70 | 4,50 | 4,00 | 3,50 | 3,00 | 2,50 | 2,00 | 1,50 | ||
| d | <70-50 | 4,00 | 3,50 | 3,00 | 2,50 | 2,00 | 1,50 | 1,00 | ||
| e | <50-40 | 3,50 | 3,00 | 2,50 | 2,00 | 1,50 | 1,00 | 0,5 | ||
| IV | 46-65% | a | >130 | 5,75 | 5,25 | 4,75 | 4,25 | 3,75 | 3,25 | 2,75 |
| b | <130-100 | 5,25 | 4,75 | 4,25 | 3,75 | 3,25 | 2,75 | 2,25 | ||
| c | <100-70 | 4,75 | 4,25 | 3,75 | 3,25 | 2,75 | 2,25 | 1,75 | ||
| d | <70-50 | 4,25 | 3,75 | 3,25 | 2,75 | 2,25 | 1,75 | 1,25 | ||
| e | <50-40 | 3,75 | 3,25 | 2,75 | 2,25 | 1,75 | 1,25 | 0,75 | ||
| V | 66-90% | a | >130 | 6,00 | 5,50 | 5,00 | 4,50 | 4,00 | 3,50 | 3,00 |
| b | <130-100 | 5,50 | 5,00 | 4,50 | 4,00 | 3,50 | 3,00 | 2,50 | ||
| c | <100-70 | 5,00 | 4,50 | 4,00 | 3,50 | 3,00 | 2,50 | 2,00 | ||
| d | <70-50 | 4,50 | 4,00 | 3,50 | 3,00 | 2,50 | 2,00 | 1,50 | ||
| e | <50-40 | 4,00 | 3,50 | 3,00 | 2,50 | 2,00 | 1,50 | 1,00 | ||
The loss of the marketable value of the car must be compensated in full by the insurance company (or directly by the culprit of the traffic accident).
Loss of the marketable value (TCV) of a car is not some kind of bonus and far from moral damages for participation in an accident, it is a reduction in the price of the victim’s car due to his participation in the accident, or, more precisely, due to the restoration and repair of the car, because repair a car as such means a decrease in its durability, and any repair, accordingly, reduces the price of the car by a certain amount. Meanwhile, the Supreme Court ordered all insurance companies to pay the lost value of the car in a corresponding ruling:
29. The actual damage resulting from a traffic accident, along with the cost of repairs and spare parts, also includes lost market value, which is a decrease in the value of a vehicle caused by premature deterioration of the commercial (external) appearance of the vehicle and its performance as a result of a decrease in the strength and durability of individual parts, assemblies and assemblies, connections and protective coatings due to a traffic accident and subsequent repairs.
And the Federal Law “On Compulsory Motor Liability Insurance” obliges compensation for real damage to victims of road accidents.
So, to calculate the loss of marketable value of a vehicle, there are a number of methods, but we will consider only the main ones, which are used by independent experts and forensic experts on the basis of the law. These methods include the method of the Ministry of Justice of the Russian Federation - it is considered “official” and most often this is the method used by forensic experts, the RD (guidance document) method, which is also sometimes used in the judicial assessment of the legal system.
It should also be noted that with almost any method for calculating the vehicle's vehicle, it is unprofitable to carry out such a calculation if the car has a wear level of more than 40%, and its age has reached 5 years, because the cost of the vehicle is directly proportional to the cost of the car at the time of the accident. In addition, you should keep in mind that if you apply for an insured event under CASCO, then you can also legally compensate for the loss of commodity value, and the procedure for calculating the vehicle insurance in this case will be similar.
How to calculate the TCB using the methodology of the Guiding Document?
This is perhaps the most complex procedure for calculating the loss of marketable value of a car, which you are unlikely to be able to calculate on your own due to a very complex formula that can only be read by those with mathematical knowledge, but it is used more widely than all others, but mainly only for foreign cars production. In general, we will provide a simplified calculation of the cost of the technical equipment, because no one will accept the official calculation you made anywhere, and will be for reference only. However, for a more or less accurate determination of the cost of the vehicle, this calculation is quite suitable.
So, the calculation of the UTS using the RD method begins with summing up the total loss of commodity price using the formula:
In general =U el. +U car. +At the surroundings +At the body
- In general - this is the general training center
- At el. - this is the cost of repairing all removable body elements;
- At the car. - this is the cost of repairing all non-removable body elements that make up the body frame;
- In the vicinity - this is the cost of full or partial painting of the body;
- At the body - the cost of work to replace the body or to repair such a quantity and quality of elements of this body that it violates the overall structural geometry of the body.
The procedure for calculating the technical resistance during repair (repair here includes replacement) of all removable body elements:
m
Uel.=K 2 ΣK 1 Ci
1
K1 is the coefficient of change in the size of the technical equipment depending on the method or nature of the repair;
Ci is the retail price of the part being repaired, in rubles;
K2 is the coefficient of change in the size of the vehicle depending on the degree of wear of parts.
M is the number of removable elements being repaired.
How to calculate the CTS using the Halbgewax method?
This is perhaps the simplest method for calculating the loss of marketable property of a car, and using this method, anyone can calculate the vehicle’s technical value, even without remembering algebra from the school curriculum. The Halbgewachs method of calculating the UTS is widespread among European experts, however, in Russia some consider it untenable for the reason that this method takes into account the total cost of repairs, and does it quite flatly, even if one type of repair led to a greater loss of marketable value than another .
The calculation formula using the Halbgewachs method is quite simple and looks like this:
TCB = (K÷100) (CR+CO)
- K is the coefficient of the maximum value of the CTS, determined from the Halbgewachs table (see table below);
- CR - the market value of the car taking into account its depreciation;
- CO - total cost of repair.
Halbgewachs table for determining the maximum vehicle size for passenger cars:
| A-ratio | B-ratio | No more than 2 months | No more than 6 months | No more than 12 months | No more than 24 months | No more than 36 months | No more than 48 months | No more than 60 months | ||
|---|---|---|---|---|---|---|---|---|---|---|
| I | 10-20% | a | >130 | 5,00 | 4,50 | 4,00 | 3,50 | 3,00 | 2,50 | 2,00 |
| b | <130-100 | 4,50 | 4,00 | 3,50 | 3,00 | 2,50 | 2,00 | 1,50 | ||
| c | <100-70 | 4,00 | 3,50 | 3,00 | 2,50 | 2,00 | 1,50 | 1,00 | ||
| d | <70-50 | 3,50 | 3,00 | 2,50 | 2,00 | 1,50 | 1,10 | 0,50 | ||
| e | <50-40 | 3,00 | 2,50 | 2,00 | 1,50 | 1,00 | 0,50 | - | ||
| II | 21-33% | a | >130 | 5,25 | 4,75 | 4,25 | 3,75 | 3,25 | 2,75 | 2,25 |
| b | <130-100 | 4,75 | 4,25 | 3,75 | 3,25 | 2,75 | 2,25 | 1,75 | ||
| c | <100-70 | 4,25 | 3,75 | 3,25 | 2,75 | 2,25 | 1,75 | 1,25 | ||
| d | <70-50 | 3,75 | 3,25 | 2,75 | 2,25 | 1,75 | 1,25 | 0,75 | ||
| e | <50-40 | 3,25 | 2,75 | 2,25 | 1,75 | 1,25 | 0,75 | 0,25 | ||
| III | 34-45% | a | >130 | 5,50 | 5,00 | 4,50 | 4,00 | 3,50 | 3,00 | 2,50 |
| b | <130-100 | 5,00 | 4,50 | 4,00 | 3,50 | 3,00 | 2,50 | 2,00 | ||
| c | <100-70 | 4,50 | 4,00 | 3,50 | 3,00 | 2,50 | 2,00 | 1,50 | ||
| d | <70-50 | 4,00 | 3,50 | 3,00 | 2,50 | 2,00 | 1,50 | 1,00 | ||
| e | <50-40 | 3,50 | 3,00 | 2,50 | 2,00 | 1,50 | 1,00 | 0,5 | ||
| IV | 46-65% | a | >130 | 5,75 | 5,25 | 4,75 | 4,25 | 3,75 | 3,25 | 2,75 |
| b | <130-100 | 5,25 | 4,75 | 4,25 | 3,75 | 3,25 | 2,75 | 2,25 | ||
| c | <100-70 | 4,75 | 4,25 | 3,75 | 3,25 | 2,75 | 2,25 | 1,75 | ||
| d | <70-50 | 4,25 | 3,75 | 3,25 | 2,75 | 2,25 | 1,75 | 1,25 | ||
| e | <50-40 | 3,75 | 3,25 | 2,75 | 2,25 | 1,75 | 1,25 | 0,75 | ||
| V | 66-90% | a | >130 | 6,00 | 5,50 | 5,00 | 4,50 | 4,00 | 3,50 | 3,00 |
| b | <130-100 | 5,50 | 5,00 | 4,50 | 4,00 | 3,50 | 3,00 | 2,50 | ||
| c | <100-70 | 5,00 | 4,50 | 4,00 | 3,50 | 3,00 | 2,50 | 2,00 | ||
| d | <70-50 | 4,50 | 4,00 | 3,50 | 3,00 | 2,50 | 2,00 | 1,50 | ||
| e | <50-40 | 4,00 | 3,50 | 3,00 | 2,50 | 2,00 | 1,50 | 1,00 | ||
