Nowadays, any driver of a vehicle is not insured against traffic accidents.
First you need to notify your insurancecompany or one of the representatives about the fact of an accident, it must be done within 15 days. The notification should be made in such a way that you have evidence that you did it. This is necessary so that there are no disputes with the insurance company. Together with the notice it is necessary to write a special application, collect all necessary documents.
Compensation for damage will only be realized if,if the insurance company is provided with damaged property so that it can assess the actual value of the damage. Insurers must within 5 days organize an examination and inform the victim of the results.
However, there are not entirely conscientiouscompanies that do not fulfill their duties, assigned to them by law. In such circumstances, the victim himself can make an examination. This can also happen if the victim does not agree with the established amount of damage that the insurance company has approved.
Compensation for the injured party is regulated by the legislation of the Russian Federation. Fulfillment of all necessary regulations of the law is a guarantee that you will receive money back.
After the accident, the participants are inshock state and not all of them can objectively assess the amount of damage. But after some time, the victim can understand that the compensation paid does not cover all costs. The only way out in this case is to go to court. But even if you were recognized as the injured party, this does not mean that the court will make a decision in your favor. It is best to contact specialists, otherwise this process can take a lot of time and not bring any income.
Increasingly, drivers are faced withunscrupulous insurers, who do not perform their duties and do not make damages in case of an accident. They are well versed in the laws of the insurance business and expose the situation in such a way as if the injured car owner agrees to the conditions.
Compensation for damage after an accident is calculated as follows: the cost of repairs is summed up and some amount of compensation for the commodity value of transport.
If the car is in operation no more than5 years, and the damage received is not more than 40%, then the car owner can claim a full refund. The transport company is also obliged to pay for transportation of the insurance company. Since any insurance agent will understate the amount of damage, it is best to contact an independent expert. The insurance company can pay a sum of money or offer a car repair.
Currently, very often insurance companiesDo not pay the entire amount of damage, in which case it is necessary to sue. To the amount spent for repairs, it will be possible to add the cost of treatment and moral damage. In order for the court to render a decision in your favor, it is worthwhile to hire an experienced lawyer who will collect all the necessary documents and be able to adequately protect your interests.
