Despite the fact that in our country designThe MTPL policy is mandatory, many misunderstand the essence of this type of insurance. As a result, when they get into an accident, they are genuinely surprised when they learn that insurance payments for OSAGO are not put into them.
It is important to understand that car insurance means insurance of your liability
Actions in case of an accident
As a result of any car accident,damage. It can be caused both to the health of people and to motor vehicles. If you are in an accident, the first thing you should do is to install an emergency sign, call traffic police and an emergency commissioner. In no case should you shift cars.
Before the arrival of specialists is not necessaryits circumstances with the second participant in the accident. Yes, and confession of guilt - the case of inspectors of the traffic police (except, of course, absolutely obvious cases). In order not to waste time, participants of road accidents can
At the end of the work at the site of the accident employeeThe traffic police must issue a certificate, a protocol and a resolution to the perpetrator of the road accident. If documents are not issued, be sure to specify when and where your accident will be parsed. If you are an injured party, all these documents will be needed in order for you to calculate the payments for OSAGO.
Actions of the insurance company
After you provide insurancecompany statement, as well as all the necessary documents, you will be assigned the date of examination of damages by an independent expert. After examination of the car within 30 days, the insurer must decide on the application. However, often the procedure can be delayed and even
Even if you are not guilty of an accident, you should beready for the fact that the insurer can significantly understate the amount of payment for OSAGO. Rosgosstrakh, for example, in 2012 became the leader in refusals of compensation for insurance policies.
The insurer can understate insurance payments under OSAGO in several ways:
- instead of replacing the spare parts of the car in the evaluation report, the cost of their repair (for example, gluing the bumper) is indicated;
- the assessment uses a reduction in the cost of spare parts by taking into account their wear.
Many will ask why the insurer is doing this. The answer is simple - few people will go to court to defend their interests, which means that the insurance company will save a huge amount of money on compensation.
If you are sure that the insurer is essentiallyunderestimates the insurance payments on OSAGO owed to you, be sure to contact the court! This can be done not only independently, but also through representatives. Today there are quite a lot of companies representing such a service on the market. It is important to choose one that charges for its services only after winning a trial.
And finally, I note, in any case, do not repair the car before you receive insurance payments for CTP. Otherwise, in the case of underestimation of compensation, you can not prove anything.
