Unfortunately, only a small percentagemotorists for all his driver's "career" never became participants in an accident. Even if you never break the rules and carefully monitor the technical condition of your car, you can still become a participant in the accident. After all, there are many drivers on the road and not all of them are distinguished by the conscientious performance of traffic regulations.
In an accident on the road, the car can be veryto suffer, and the fact that you have an insurance policy in your hands does not guarantee that the amount paid will fully cover all repair costs. After all, in order to reliably calculate what the actual damage was, it is necessary that the assessment of the car after the accident be done objectively and impartially.
Therefore, it is highly undesirable to agree toexamination after the accident took place in the center, which recommends the representative of the insurance company. Of course, you will be assured that such an examination is no different from a similar procedure carried out in any other service. But after all, even a child understands that experts who work for an insurance company cannot be completely independent of their employer, so there is no need to wait when contacting such an objective damage assessment center.
After all, for the insurance company, as for anyan organization that does business, not charity, will always make profit a priority. And you can get more income, subject to cost reductions, that is, insurance payments. So, carrying out the expertise, the specialist who works for the insurer will in every possible way underestimate the amount of damage. Therefore, if you want the assessment of damage to the car after the accident to be made as objectively as possible, contact the experts who have nothing to do with the insurance company. Moreover, the law in this situation is on the side of the motorist, since he has the right to order an examination in any company of his choice. The only condition: chosen for the examination must have a corresponding license issued by state bodies.
So, an independent assessment of the car after the accidentrequired in order to be able to determine the real value of the car at the moment, that is, to assess the damage suffered by the motorist as a result of the accident. In addition, experts will determine what work needs to be done to restore the car, what spare parts and materials will be needed, as well as how much the car repair masters will have to pay.
By the way, ask for an independent damage assessment.It is beneficial not only to the injured in an accident, but also to the person who caused the accident. After all, it is not excluded a case that the amount of damage may be overestimated in favor of the victim. To make sure that you are not being cheated, you should order an independent assessment of the car that has crashed yourself.
Car evaluation after an accident, as a rulepasses in stages. Initially, you will have to collect all the documents necessary for filing with the insurance company. Acceptance of this package of documents by the insurer confirms the occurrence of the insured event.
Next should be informedthe representative of the insurer and the person who caused the accident (or the victim, if the examination is carried out on the initiative of the perpetrator) about where and when the examination with the assessment of damage will be carried out. The law requires that it is necessary to notify interested persons not later than three days before the date of the examination. At the appointed time, experts from the expert company will inspect the car. Assessment of the car after an accident can be done in the workshops of an expert company or at the place of storage of the car, if it is not on the move.
In the process of examination, the specialists will not only carefully examine the damaged car, but will fix all the damages in a special act, in confirmation of which the photos will be taken.
After some time, the expert company will presentofficial evaluation report that you want to transfer to the insurer. After these documents are received, the insurance company is obliged to pay the actual damages, as well as additional expenses, including for the examination itself.
