The profit of the local insurance companies for 9 months from the beginning of the year dropped by half - to 195 billion rubles. In the third quarter, a total loss of 11.5 billion rubles was recorded. This is the third case of a quarterly loss in the last six years. Against the background of such results, the question arises what will happen to the cost of the policies and what protection can customers rely on. As Ingostrach experts point out, there are two main reasons for the decline in profits. The first is related to new risks in the insurance of large objects. Even one event here can lead to large-scale payouts and significantly affect the financial results of insurers and reinsurers alike. The second reason is the cumulative load in the MTPL sector, which directly affects millions of drivers. Insurance companies set rates within a given corridor, which limits their ability to respond flexibly to rising costs. At the same time, beyond the insurance payments themselves, the costs of conflict resolution, including litigation, are increasing. In mass insurance, this burden is particularly pronounced. As a result, insurers find themselves in a difficult position - costs are rising, and the ability to change rates is limited. Therefore, it is important to find a balance that allows you to cover costs and maintain the affordability of the policies without compromising the quality of the return. After all, a driver cares not only about the price of compulsory car insurance, but also how quickly and fully he will receive compensation after an accident.