Bailiffs and insurance

More recently, we wrote that bailiffs decided to begin implementing their new idea - foreclosure on the insurance premium that a person paid under compulsory motor liability insurance.
Just yesterday it seemed that the practical implementation of this scheme was very unlikely - there would be opposition from both insurance companies and society. But the bailiff service decided to take the bull by the horns.
Moreover, the first case did not occur in the Moscow region at all (remember, this region was chosen as the site for the experiment). The “Far Easterners” distinguished themselves, and it was enough for them only to threaten the debtor. Briefly, the plot is as follows: the debt of one of the residents of the city of Bolshoy Kamen (located in the Primorsky Territory) reached a not at all astronomical, but still quite impressive figure of 51 thousand rubles. The man completely refused to pay, although he clearly had money - the bailiffs realized this when they learned from open sources that he had a Japanese-made car. Next, following the scheme of their colleagues near Moscow, they turned to the insurer, where the debtor purchased the policy and demanded in writing that the insurance amount be transferred to their account. It is not known which circumstance was decisive for the person - the prospect of losing insurance or the car itself (because the bailiffs decided to impose a penalty on the car itself), however, with the wave of a magic wand, the debt, the payment of which could not be achieved for many years, was paid off in the blink of an eye.
Let's try to simulate the actions of an insurance company if it really faced the question of whether or not to respond to the request of the bailiff service. We would venture to guess that no - satisfying such a request would give rise to too many problems. Firstly, purely internal for the company - how to formalize this transfer? And secondly, more important - how should a person be paid if, God forbid, he has an insured event? If you refuse and refer to the request of the bailiffs, then their client, having filed a claim in court, with a high degree of probability is a case - after all, for his part, he fulfilled all his duties.