How to get insurance after an accident

How to quickly receive insurance payment under MTPL

Receiving insurance payments in the event of an accident may take an indefinite period. Companies acting as insurers, in some cases, deliberately delay this process in order to delay payment or completely avoid providing a certain amount of money to their client. In this situation, the direct participation of the judiciary is a vital necessity.

It may take quite some time before you receive insurance after an accident. In order to speed up this process, it is very important to be legally savvy.

Features of obtaining insurance

Standard certificate from the traffic police

The body of such a document confirms the fact of the accident . Such a certificate must include the person who was driving the car at the time of the accident. The number and make of the car are also indicated here, as well as a description of all visible damage to the car.

Extended certificate from the traffic police

Such a certificate includes more extensive information about all participants in the traffic accident. The following points are noted:

FULL NAME;
residential addresses;
driver's license series;
license numbers

In addition, the sobriety and sanity of drivers during a traffic accident is determined. Obtaining an extended certificate from the traffic police requires more time, but at the same time provides more detailed information about the incident.

Contacting your insurance company after an accident can be challenging. This trend is due to the fact that the insurer may require a court decision on the fact of the accident as an additional document during an internal investigation. This need arises if the company suspects that the client is cheating.

The CASCO insurance program allows for an accelerated settlement of the issue in the event of damage to the most fragile elements of the vehicle. These car elements include:

headlights;
spoilers;
glass;
bumpers.

It is very important to note that such a resolution of the problem is possible if the amount of damages received varies within 2-5% of the total cost of the car. A significant advantage of this method is that registering an accident and providing a certificate from the traffic police is not necessary.

Procedure for receiving payments

Obtaining insurance after an accident requires clear and decisive action from the client of the insurance company. To achieve a positive result, you should be very careful and follow the points specified in the contract.

Use of the Europrotocol

Provided that no one was injured in the accident and all participants in the incident fully agree with the current picture, then you can use the drawing up of the so-called Europrotocol . Neither party to the conflict should make any claims. In this case, all issues are resolved directly at the scene of the accident.

It should also be noted here that the CASCO insurance program implies the mandatory presence of an insurance commissioner, who must personally inspect and evaluate the scene of the accident. After this, the protocol is filled out and the parties' insurance companies are notified.

In a different situation, there is a need for the presence of traffic police officers. They are the ones who draw up a diagram of the accident and, if necessary, can provide this information to insurance companies. One of the participants in the accident will be fined for violating traffic rules.

Alternative option

To obtain compulsory motor liability insurance after an accident, you must perform a number of actions in a certain sequence. The resolution of this issue must be approached with full responsibility.

Step #1. Notification of the insurance company and the traffic police

If the situation cannot be resolved through the European Protocol, then you must immediately report the incident to the traffic police and the insurance company. At this stage, you should also exchange contacts with other participants in the accident. The following points should be noted:

passport details;
insurance policy number;
series of insurance;
special sign number.

The special sign is mainly attached to the windshield. After this, you should wait for the arrival of a traffic police officer and a representative of the insurance company.

Step #2. Obtaining a certificate from the traffic police

After this, you should visit the traffic police department and request a certificate of the traffic accident. The body of the document should indicate as many details as possible regarding the nature of the damage to the vehicle.

Step #3. Submitting documents to receive insurance payments

Being the culprit of a traffic accident, you must submit a package of documents to the insurance company within three days.

Otherwise, the insurer has the legal right to demand compensation for damage with recourse.

If you are applying for insurance benefits, you must write an application and submit papers to the insurance company. As of 2018, the required list of documents is as follows:

passport;
TIN;
driver's license;
vehicle registration certificate;
certificate from the traffic police;
insurance policy;
certificate from the hospital.

If necessary, you must also add a power of attorney for the car and documents confirming expenses after an accident. This refers to payment for tow truck services.

Step #4. Obtaining a court decision

The court makes a decision after a ten-day period. Sometimes this period may change up or down. In order for the insurance to be paid out as soon as possible after an accident, it is recommended to independently collect the court decision and take it to the insurance company. In this case, you should keep a copy for yourself, and deliver the original with a wet stamp to your insurer.

Step #5. Carrying out an examination

The examination has a direct impact on the amount of insurance payments that will be provided to the company's client. Until inspection, it is prohibited to carry out repair work. With a high degree of probability, the appraiser will minimize costs, so it is most advisable to use the services of an independent expert.

Step #6. Receiving payments

Video: How to get paid with the help of a free public consumer rights organization

To somewhat speed up the process of paying out insurance, the injured party can get involved in clarifying the relationship between the culprit of the accident and the insurer. To do this, you can go to the traffic police and find out the date of consideration of the case.

After this, you can write a petition to speed up the consideration of the case . At the end of the court hearing, you can take a copy of the decision and personally bring it to the insurance company.

It is important to remember that refusal of payments by the insurance company is not yet a reason for disappointment. In this case, you can go to court with a claim for compensation for losses by the person who caused the accident. The timing of receiving compensation depends on the speed of consideration of the case.

Total car loss

The described procedure for insurance payments is relevant only if the vehicle is subject to restoration . However, sometimes situations arise in which car repairs are inappropriate. In this case, the insurance company may raise the issue of constructive destruction of the vehicle. In this case, the client remains without payments and loses the car.

When assessing the condition of a car, everything depends on the initial cost of the car. Most often, total loss is announced if restoration requires from 60 to 80% of the cost of the car. Much depends on the results of the examination, which determines the final cost of repair work.

To avoid conflict situations, it is strongly recommended to clarify all controversial issues at the stage of concluding an agreement with the insurance company. In particular, it is necessary to clarify how the total loss of a vehicle will be assessed and who will deal with the sale of the remains.

You will be interested in:

Source: http://pravo-auto.com/kak-poluchit-straxovku-posle-dtp/

How to get insurance after an accident? Where to contact?

How to get insurance after an accident is the main question if a motorist finds himself in such an unpleasant situation. In order to receive an insurance payment, you must complete all the actions provided for by the traffic rules and the rules of compulsory motor liability insurance.

How to get insurance under MTPL: first steps after an accident

Preparation of MTPL documents in case of an accident for payment of insurance by the insurance company

Insurance and payments in case of an accident - how are they paid and what is needed for this?

Results

How to get insurance under MTPL: first steps after an accident

So, an accident happened. How to get insurance after an accident and what to do first?

We stop the vehicle, turn on the emergency lights and put up a warning triangle. Do not move objects or move the car under any circumstances, even if you are blocking the passage!
We inspect the scene of the incident, see if there are any casualties, and if necessary, call an ambulance.
We report the incident to the police, and at the same time record the phone numbers and car numbers of witnesses to the accident.

If there are no victims in the accident, drivers can independently draw up an accident diagram, arrive at the nearest traffic police station and register the incident. Remember: all documents that you receive from the police must be presented to the insurance company in copies and originals.

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The traffic rules stipulate that if, as a result of an accident, damage was caused only to the property of citizens and their liability is insured, then they can do without police representatives and fill out a notification about the accident themselves.

The main thing we pay attention to is that there should be no casualties in the accident, the circumstances of the accident should not cause disagreements among vehicle drivers, and the damage itself should not exceed 50,000 rubles.

This is exactly the amount provided for by the law on compulsory motor liability insurance, and payments cannot exceed it if you file an accident without police officers.

In addition, each participant in an accident is obliged to provide other participants with information about the insurance company that insures his civil liability, the insurance policy number, telephone number and other contact information of the insurer. And of course, drivers must notify their insurance companies about the accident.

Preparation of MTPL documents in case of an accident for payment of insurance by the insurance company

If the parties have not agreed on the circumstances of the accident and do not want to draw up documents without the presence of the police, and the damage caused to property as a result of the accident is more than 50,000 rubles, then it is necessary to call the police and wait for them.

When preparing MTPL documents , two scenarios are possible:

If, as a result of an accident, harm to the health of citizens is caused (with the exception of grave harm), then the police officers take the following actions:

a protocol for examining the accident site is drawn up and a diagram of the accident is drawn up;
a ruling is made to initiate administrative proceedings against the perpetrator;
accident participants write explanations;
all participants in road accidents, including injured persons, are issued certificates of road accidents (see: Certificate of road accidents in form 154: deadlines for issuance, sample filling, form ).

If no harm was caused to the health of citizens:

an accident diagram is drawn up;
participants in the accident write explanations;
All drivers are issued a certificate of accident.

If it turns out that the parties are not subject to administrative liability as a result of an accident, then a ruling is issued to refuse to initiate administrative proceedings.

If there is administrative responsibility, then a resolution or ruling is issued to bring the person to justice.

If it is not possible to determine the circumstances of the accident and the elements of the administrative offense on the spot, a decision is made to initiate a case on an administrative offense and conduct an appropriate investigation.

In the event that a traffic police officer cannot draw up a certificate of an accident and hand it over to drivers for some reason (for example, due to unforeseen circumstances), he must do this at the nearest traffic police post or at the police station within 24 hours after the accident.

Carefully read all documents that are given to you to sign! You have the right to disagree with the circumstances that the police officer stated in the documents. After all, when paying out insurance, every detail (even seemingly insignificant) will play a role.

Pay attention, for example:

on the condition of the road surface at the accident site;
weather;
the condition of road equipment (in some cases it is important to note its presence/absence);
skid marks, etc.

And finally, the last document that drivers involved in an accident must fill out is a notification of an accident.

Insurance and payments in case of an accident - how are they paid and what is needed for this?

Now let's figure out how insurance is paid in case of an accident .

First, the victim and the culprit are required to notify their insurance companies about what happened immediately after the accident.

Then, no later than 5 (if the accident is registered without police representatives) or 15 (in other cases) days, you must come to the insurer with notification of the accident.

If it is not possible to bring the document in person, then you can, for example, transmit it by fax or send it by mail.

The victim of an accident must submit a claim for benefits to the insurance company. If the victim's property is damaged, he must provide this property to the insurer for inspection and examination in order to determine the extent of the damage caused.

The insurer must conduct an inspection/examination within 5 days after the victim writes a statement. If during the examination it is necessary to study the vehicle that was damaged, then it is necessary to contact the second participant in the accident.

Documents that must be presented to the insurance company to receive payments:

If the victim’s property was damaged, the following must be additionally submitted:

documents that confirm ownership of property;
conclusion of an independent examination on the harm caused;
receipts for payment for expert services;
other documents that can confirm damage to property.

In addition, the insurance company is obliged to compensate for damage if the victim proves that harm was caused to his health. The main rule is documentary evidence of each requirement.

For example, consider a situation where a person who is the only breadwinner in the family died as a result of an accident. In this case, you must submit to the insurance company:

a statement identifying all family members of the deceased;
death certificate;
certificates from schools and other educational institutions stating that the children of the deceased are studying there;
certificates stating that a family member of the deceased is disabled;
a conclusion from a medical organization or social authority that a family member requires care;
a certificate of expenses for the burial of the deceased;
birth certificates of children (if there are children).

Results

So, let us briefly remind you what to do and where to go after an accident :

Call an ambulance (if harm was caused to the health of any of the participants in the incident).
Call the police.
Notify the insurance company.

Source: http://nsovetnik.ru/dtp/kak_poluchit_strahovku_posle_dtp_kuda_obrawatsya/

How can you get insurance after an accident? The procedure for receiving payments under OSAGO, CASCO

Unfortunately, most drivers experience an accident sooner or later. Therefore, it is necessary to know the procedure to follow after an incident, where to go, what documents are needed for this, and what is the procedure for paying insurance compensation.

○ Procedure after an accident

Turn off the engine, turn on the hazard lights and put up an emergency sign.
If the accident is serious and there are victims, immediately call an ambulance and try to provide first aid.
Call the traffic police and report the accident and your location.
Before the traffic police arrive, do not touch the cars, do not move them, but take photographs from different angles. If necessary, find witnesses and record their information.
The inspector draws up an inspection report, and the cars can be removed.

The procedure is discussed in more detail in another article.

Return to contents ↑

○ What is the Europrotocol?

There is a simplified procedure for regulating minor accidents without involving the traffic police (see also paragraph 2.6.1 of the traffic rules) - Europrotocol.

The essence of the procedure is that the participants themselves fill out a notice with a diagram and indicating all the details, which is then sent to the insurer.

To draw up such a protocol, it is necessary to meet a number of requirements: for example, there should be no dispute between the participants, there should also be no injuries, and only two cars were involved in the accident. Within 5 days, the culprit must present his car to the insurance company for inspection and evaluation.

Please note that since this procedure concerns minor accidents, the maximum compensation is 50 thousand rubles (for Moscow and St. Petersburg, subject to certain conditions, the amount can be increased to 400 thousand).

There is also the possibility of direct compensation for damage (PVU OSAGO), when the victim applies directly to his company, and not to the insurance company of the culprit.

Return to contents ↑

○ Where to contact?

To your insurance company (in the case of CASCO and PVU).
To the insurance company of the culprit (in other cases).
To the Russian Union of Auto Insurers (in case of bankruptcy or revocation of the insurance company’s license, as well as if the culprit of the accident is unknown or does not have a compulsory motor liability insurance policy). The application is considered within 20 calendar days. More details about the procedure and necessary documents can be found on the official website of the RSA.

Return to contents ↑

○ Documents submitted to the insurance company:

Note! The main difference between OSAGO and CASCO is that OSAGO is liability insurance in case of an accident, and CASCO is property insurance against damage and theft. Don’t forget that if you have CASCO insurance, an MTPL policy is still required! To receive a discount, it is better to issue policies with one company.

What documents are required when contacting an insurance company?

Return to contents ↑

✔ List of documents for compulsory motor liability insurance

If you are at fault, you must provide the other party with your policy number so that they can apply for compensation (except for the PES).

Source: http://TopUrist.ru/article/53908-kak-poluchit-strahovku-posle-dtp.html

How to get insurance after an accident? What should you do immediately after an accident?

The issue of insurance has been and remains one of the most important for motorists. It is insurance that can help out the driver in the event of an unpleasant situation on the road, including in the event of a traffic accident.

If you act wisely from the very beginning, you can easily reduce financial losses to a minimum without violating traffic rules and relevant laws in the Code of the Russian Federation. All you need to protect yourself and your vehicles is insurance.

Let's figure out how to get insurance after an accident.

How to get insurance after an accident?

In order to answer the question of how to get insurance after an accident, you need to take a number of mandatory actions immediately after the accident occurs.

The first thing to do is to immediately stop the car and turn on the hazard lights. There is no need to try to move the car in the event of an accident, even if you are stuck in the middle of the driveway. After this, you need to inspect the scene of the incident and call an ambulance for all victims. At the same time, do not forget to inform the police and write down the contact information of all witnesses to the emergency.

If there are no casualties, the situation is somewhat simpler. Then, in order to get an answer on how to get insurance after an accident, you need to independently document the fact of what happened. All documents are filled out at the traffic police department. To obtain insurance, you may also need a copy or original of the contract with your insurance company.

The traffic rules clearly stipulate that if there are no injuries in the event of an emergency and the driver has the necessary insurance, the driver can independently fill out all the necessary statements.

In addition to the absence of injuries, to comply with this condition, it is necessary that there are no disputes between drivers, and that the damage does not exceed 50 thousand rubles. This is exactly where compulsory motor vehicle accident insurance pays out.

It is very important that all documents are completed correctly.

Preparation of documents in case of an accident

Even if there are disagreements between the parties involved in the accident and paperwork is impossible without traffic police officers, payment of insurance in case of an accident by compulsory motor vehicle insurance is possible. There are cases when it was possible to obtain compensation from the insurance company, even if the property damage caused was more than 50 thousand rubles.

During the preparation of documents, several options for the development of events are possible. The first option is considered if there are victims in the accident, but there are no serious injuries. First, you should call employees to draw up a protocol and diagram of the accident. At this stage, all details of the incident are recorded.

Next, the issue of bringing the guilty parties to administrative criminal liability in accordance with the laws of the Russian Federation is resolved. Participants and parties to an emergency situation fill out an accident statement and receive a corresponding certificate.

How is insurance paid in case of an accident?

If there are no victims in the accident and the damage was caused only to property, the answer to the question of how insurance is paid in the event of an accident becomes several times simpler.

In this case, the accident is also recorded in a protocol and diagram; all parties involved in the accident fill out the necessary documents and receive a certificate of the accident.

Administrative criminal liability is also present if particularly severe damage was caused to property.

In the event that the parties are not subject to administrative liability, this is also recorded in the protocol. If it is not possible to immediately clarify the situation regarding administrative criminal liability, a special investigation is carried out, and the question of how insurance is paid in case of an accident is resolved only based on the results of the investigation.

To ensure timely payment of insurance, it is very important to immediately notify the insurance company about the accident. To do this, after registering an accident, you need to come to the insurance company and provide a copy of the accident notice.

After this, you need to fill out an application for the need for insurance payments. The insurance company specialist also determines the amount of damage caused. The inspection is carried out within a working week after submitting an application for payments. You need to provide the insurance company with a certificate and notification of the accident, documents for the property, and a copy of the protocol with the recorded details of the accident.

After the inspection, the damage will be determined and the issue regarding insurance payments will be resolved. If necessary, you can find an independent professional to assess the damage to your vehicle. This will be an additional help for you in obtaining insurance.

Source: http://avtomoto-best.ru/kak-poluchit-strakhovku-posle-dtp-chto-n.html

How to get insurance after an accident

Everyone who wants to protect themselves from unpleasant surprises on the road enters into an agreement with an insurance company, secretly hoping that an insured event will never occur.

But statistics show that road accidents happen every day, which means that every day someone faces the dilemma of getting insurance after an accident.

The main questions that swirl in the minds of both the culprit of the accident and the victim are what actions and how quickly need to be taken in order to receive compensation for damage from the insurer.

The Federal Law “On compulsory civil liability insurance of vehicle owners” in Article 11 establishes the procedure for the culprits and victims in the event of an insured event. Clause 1 art.

11 obliges the insured in the event of an accident to familiarize the other participants in the accident with the detailed data of the compulsory insurance agreement, under which they have the right to receive insurance.

If another driver was driving instead of the policyholder, this obligation rests with him.

You should know that after an accident occurs, under no circumstances should you leave the scene of the accident or change the position of vehicles until traffic police officers arrive. This is done so that the arriving police officers can get a real picture of what happened, document the extent of the damage and determine the culprit and the victim.

After the investigation, appropriate certificates are drawn up that are necessary for presentation to the insurance company, since you can obtain insurance after an accident only after writing an application in conjunction with these documents. Clause 5 of Article 11 of the Federal Law “On Compulsory Insurance of Civil Liability of Vehicle Owners” No. 40-FZ dated April 25, 2002, as amended on September 1, 2016, reads:

“To resolve the issue of making an insurance payment, the insurer accepts documents on a traffic accident, drawn up by authorized police officers...”

Before contacting the insurance company after an accident, you need to collect a complete list of documents:

certificate No. 154 of the traffic police. This document is necessary to identify an accident as an insured event;
application for the need to pay insurance compensation;
notification of an accident;
a copy of the compulsory insurance contract that belongs to the person at fault for the accident. The data from this policy is necessary to compensate for damage to the injured person;
a copy of the passport (of the victim), driver's license (of the victim), registration certificate (both sides) of the vehicle;
medical report from the hospital on the physical and psychological condition of the participants at the time of the incident;
registration certificate of the vehicle that was damaged.

The Federal Law on Compulsory Motor Liability Insurance is quite vague in explaining the moment when to contact the insurance company after an accident. The legislation obliges the victim to notify the insurer as quickly as possible about the occurrence of an insured event and, within a certain period of time, to submit an application and attach a full list of documents to it. Clause 3, Article 11:

“If the victim intends to exercise his right to an insurance payment, he is obliged to notify the insurer of the occurrence of an insured event at the first opportunity and, within the time limits established by the rules of compulsory insurance, send to the insurer an application for insurance payment and the documents provided for by the rules of compulsory insurance.”

Therefore, the period of contacting the insurance company after an accident should be minimal. If the policyholder contacts the insurer, then, in accordance with clause 2 of Article 11, he is prescribed the following algorithm of actions:

“He (the policyholder) is obliged to inform the insurer about cases of harm caused when using a vehicle, which may entail civil liability of the policyholder, within the period established by the compulsory insurance contract and in the manner specified by this contract.

In this case, the insured, before satisfying the claims of the victims for compensation for the damage caused by them, must warn the insurer about this and act in accordance with its instructions, and if the insured is sued, involve the insurer in the case. Otherwise, the insurer has the right to raise in relation to the claim for insurance payment the objections that it had in relation to claims for compensation for damage caused.”

After filing an insurance claim, many begin to wonder how quickly the insurance company is now required to act.

The first thing the insurer must do is inspect the damaged vehicle.

The law stipulates that the period for inspecting a car by an insurance company after an accident and familiarizing the victim with the results of the examination is five days. This is evidenced by clause 11 of article 12 of the federal law on compulsory motor liability insurance:

“The insurer is obliged to inspect the damaged vehicle, other property or its remains and (or) organize their independent technical examination, independent examination (assessment) within a period of no more than five working days from the date of receipt of the application for insurance payment or direct compensation for losses with attached documents , provided for by the rules of compulsory insurance, and familiarize the victim with the results of the inspection and independent technical examination, independent examination (assessment), unless another period is agreed upon by the insurer with the victim.”

If, based on the results of assessing the extent of damage and the circumstances of the accident, and accordingly the amount of payment, there is no agreement between the insurer and the victim, then the former can conduct an independent examination. Clause 11 Article 12:

“An independent technical examination or independent examination (assessment) is organized by the insurer in the event of discovery of contradictions between the victim and the insurer regarding the nature and list of visible damage to property and (or) circumstances of harm in connection with damage to property as a result of a road traffic accident.”

Many people are interested in the question of how an insurance company pays insurance after an accident. The law provides for several options for insurance reimbursement. According to clause 15 of Article 12 of the Federal Law “On compulsory insurance of civil liability of vehicle owners” N 40-FZ dated April 25, 2002, as amended on September 1, 2016:

“Compensation for damage caused to the victim’s vehicle may be carried out:

– by organizing and paying for restoration repairs of the victim’s damaged vehicle at a service station, which is selected by the victim in agreement with the insurer in accordance with the rules of compulsory insurance and with which the insurer has concluded an agreement (compensation for damage caused in kind);

– by issuing the amount of the insurance payment to the victim (beneficiary) at the insurer’s cash desk or transferring the amount of the insurance payment to the bank account of the victim (beneficiary) (cash or non-cash payment).

If the insurer has entered into an agreement with a service station, the choice of the method of compensation for damage is made by the victim.”

Each person can independently study the legislation of the Russian Federation to improve their legal literacy and ability to protect themselves in accordance with current laws.

But there are situations when you need to know your rights and responsibilities extremely quickly and as completely as possible.

In such cases, we recommend seeking help from specialists who have in-depth knowledge of the topic you are interested in!

Date added: April 24, 2017

Source: http://zakon-auto.ru/dtp/kak-poluchit-strahovku.php

How to get insurance after an accident: OSAGO DSAGO CASCO

Motor transport is considered a high-risk vehicle. Unforeseen situations occur on the roadway, including traffic accidents. In this case, there is a need to compensate for the damage caused to the car, life and health of the victims.

Drivers are interested in the procedure for obtaining insurance after an accident. You need to know what to expect, how to act and what documents to submit to the company that guarantees financial coverage of damage.

Types of car insurance

In 2018, voluntary and compulsory insurance of civil liability or your car is provided. The stability of the insurer plays a significant role.

The list of the most reliable companies includes:

Alliance.
AlfaInsurance.
Ingosstrakh.
Rosgosstrakh.
VSK.

There are several types of policies.

OSAGO

Since July 2003, the most widespread document has been in force in Russia, compensating for damage caused after an accident to the property, health or life of the injured party. Purchasing a policy is mandatory. Without it, you cannot register a vehicle or pass a technical inspection. Driving a car without insurance is subject to administrative punishment under Part 2 of Article 12.37 of the Code of Administrative Offenses of the Russian Federation - a fine of 800 rubles.

In 2018, a QR code will be added to the policy, which will help the policyholder review the document online. To enable verification, the table will reflect the cost calculation indicating the coefficients and the class of each driver covered by the contract.

Maximum compensation payments:

for property - 400 thousand rubles;
for health and life - 500 thousand rubles.

Amounts are calculated in proportion to the damage caused. If damage to health is caused, then ambulance services, diagnostics, and treatment are reimbursed. This list includes prosthetics, earnings while on sick leave.

DSAGO

The contract is concluded voluntarily along with compulsory insurance and is valid for the same terms. Payment of compensation for damage caused reaches 3 million rubles. When calculating the cost of the policy, the same factors that affect the price of compulsory motor liability insurance are taken into account. These include:

engine power;
region of registration of the vehicle;
driving experience, age;
number of persons included in the insurance document;
term of the contract.

There are more accidents in Moscow and St. Petersburg than in other areas, so this fact directly affects the price of the policy.

CASCO

It differs from other types of insurance in that the compensation is aimed at causing damage to the car. It does not matter whether the owner of the contract is guilty or not. The amount of coverage for losses can reach the residual value of the car.

Cases of receiving compensation include:

hijacking;
disaster;
damage caused by third parties;
spontaneous combustion;
Road accident.

The terms for applying for CASCO insurance in each company are prescribed by the insurance rules and range from three days to two weeks. If they are violated, compensation will be denied.

Green map

Russians will have to insure their car when traveling abroad. It is possible to purchase a policy at customs.

Responsibilities of the driver and insurance

Concluding a car insurance contract imposes responsibility on both parties who signed the document.

The driver must:

Inform about changes that entail the issuance of a new policy.
Notify about the occurrence of an insured event.
Provide information about the company to the injured party.
Draw up forms for notification of road accidents by its participants if there are disagreements. If they are not available, one form is enough.

Responsibilities of the insurer:

have a license to carry out activities;
be a member of a trade union;
maintain a staff of representatives in all regions of the country;
accept documents regarding an insured event and enter them into the accounting journal;
carry out an examination of the vehicle of the injured and the guilty party, and notify of the results;
pay compensation for damage caused in cash or send the car for repairs;
submit a calculation according to current tariffs to the recipient;
in case of early termination of the contract, provide partial insurance;
If the information reflected in the policy changes, reissue it.

Actions after an accident

In the event of a traffic accident, in order to objectively understand the situation and determine the person at fault, you need to follow the following procedure:

Vehicles and objects related to the accident must remain at the scene of the accident.
Turn on the hazard warning light and put up a warning triangle.
If there are victims, call an ambulance.
Call the police.

If there are no disagreements and there are no persons with injuries, a notification of an accident can be drawn up without waiting for the traffic police inspector. Indicate the circumstances of the accident and damage to property.

Before filling out the form, you must take a photograph or make a video of all the details - vehicle damage, braking distance, the surrounding environment of the accident scene. It’s good if there are eyewitnesses to the accident, you need to get their address and phone number.

After this, draw up a European protocol, take it and hand it over to the insurance company.

Certificate from the traffic police for insurance

The Ministry of Internal Affairs, with the new administrative regulations of the State Traffic Safety Inspectorate, which entered into force on November 20, 2017, abolished the Form 154 certificate issued after an accident. At the same time, insurance companies continue to demand and consider it mandatory.

The information included in the certificate must be reflected in other documents submitted to the insurer. These include:

notification of an accident in the presence of a traffic police officer;
determination to initiate an administrative case;
protocol with a diagram of the scene of the incident, resolution of the offense.

If you refuse to pay compensation, the problem is resolved with the help of the court.

Standard

Until November 2017, the standard form of a certificate confirmed the fact of an accident, contained information about the person who was driving at the time of the accident, the car and provided a list of damages caused.

Extended

If fraud was suspected, the insurance company required an extended form of the document. In addition to the passport data of all participants in the incident, including passengers, it contained license numbers and indicated the condition of the drivers at the time of the accident.

Procedure for receiving payment

Under a policy issued before 04/28/2017, it is possible to pay monetary compensation to the owners of passenger cars - individuals, in case of damage to property during an accident.

After this date, compensation for damage caused to the car is made in the form of a referral for repairs. The following exceptions exist:

the victim is disabled;
owner is a legal entity;
the car cannot be restored or is more than 20 years old;
the auto repair shop does not meet the required deadlines;
upon the death of the victim;
an agreement has been reached with the insurer.

The path to receiving payments begins with recording a traffic accident.

Europrotocol

To save time, registration of an accident is allowed without a traffic police officer. To do this, the insured event must meet the following conditions:

participation in a two-vehicle accident;
the amount of damage does not exceed 50 thousand rubles;
both drivers have MTPL policies;
no casualties.

The maximum cost of covering damage when registering an accident under the European protocol in Moscow, St. Petersburg, Moscow and Leningrad regions is 400 thousand rubles.

If all conditions are met, then the culprit is determined. If there are no disagreements, a European protocol is drawn up, which serves as a notification of an accident. The form is issued by the insurance company.

Within 5 days, the European protocol signed by two drivers is presented to the insurer along with the following documents:

statement;
photocopies of passport, car registration certificate;
Bank details;
photos and videos from the scene of the incident.

Until the end of the proceedings under the contract, the vehicle can be operated, but repairs cannot be made. The insurer has the right to require the provision of cars of both parties for damage assessment. The payment period is up to 20 days after submitting the application.

Alternative option

If at least one condition for using the European protocol is violated, notifications of road accidents are filled out in the presence of a traffic police inspector. Drivers report the accident to the insurer; if they have a CASCO policy, a company representative goes to the scene of the accident.

Next, the injured person collects and submits the following documents to the company within five days:

a completed application in your own hand;
photocopy of passport, driver's license, vehicle registration certificate, vehicle registration certificate, compulsory motor vehicle liability insurance policy;
bank details for insurance transfer;
notification of an accident;
a photocopy of the protocol on the offense, resolution.

Additionally you may need:

documents confirming ownership and location of other property in the car, photos of its location and damage;
car rental agreement;
in case of damage to health - a certificate from a medical institution with a diagnosis, period of incapacity for work, confirmation of disability;
in case of death - death certificate;
a receipt for evacuating a car from the scene of an accident and being in responsible storage;
the employee's last name when contacting the company by phone after an accident.

The insurer appoints an examination and notifies the two parties of the date and place of the examination. Upon completion, a conclusion is issued. If the victim does not agree with the assessment amount, the procedure for resolving the problem is delayed, as an appeal to the court follows. In case of unlawful refusal to cover losses and compensation for injury to health, or violation of payment terms, legal proceedings are also carried out.

Payments without insurance

The absence of a policy from the culprit of an accident leads to compensation for damage to the injured person using his own funds. The amount of compensation consists of the price of new spare parts and the average cost of replacing them in the region.

The collection procedure is no different from filing claims against the insurer, only it will be sent to the court. The traffic police inspector must register the accident. The examination is carried out at the expense of the injured person, since he is an interested party. The culprit, previously notified of the date and place of the examination, must be present at the examination.

If the parties have decided on voluntary compensation for damage, then a written agreement is concluded indicating the amount.

If the injured party does not have a compulsory motor liability insurance agreement, the insurer’s company will pay compensation on a general basis.

Mutual fault in an accident

Clause 22 Art. 12 of the Law “On Compulsory Motor Liability Insurance” informs that if both drivers are at fault in an accident, then each of them has the right to insurance compensation. Clause 2 Art.

1083 of the Civil Code of the Russian Federation defines the cost of compensation as proportional to the fault. If the victims are not satisfied with the 50/50 scheme that the companies adhere to, then the procedure for paying out the insurance will be determined by the court.

He will also make a decision on the penalties and direct the companies for execution.

More often, compensation is awarded in equal shares. The judge may rule that it is impossible to identify the culprit of the accident. Then there will be an unequivocal refusal, and it will be impossible for both victims to receive compensation for damage.

Regression requirement

The insurance company, having paid compensation for damage, files a claim against the culprit of the accident before or after the trial in the following cases:

intentional road accident;
being driven by a drunk driver or under the influence of drugs;
if the person driving the car did not have the right to do so or fled the scene of the accident;
violation of obligations under the contract - filing a notification about an accident within 5 days;
repair, disposal of the vehicle before the start of the examination, failure to provide the vehicle for assessment.

The legality of filing a recourse is regulated by paragraph 1 of Art. 14 of Law No. 40-FZ “On Compulsory Motor Liability Insurance” and paragraph 1 of Art. 1081 of the Civil Code of the Russian Federation.

What to do if the car cannot be restored

In cases where the cost of repairs is equal to or higher than the price of the damaged car or it cannot be made, we are talking about the impossibility of restoration. In this case, the insurer must pay the full amount stipulated by the contract.

The company that paid for a car that is unfit for further use has the right to dispose of it at its own discretion. If the insured person wishes to pick up individual spare parts, then their amount is deducted from the monetary compensation.

Compensation is assigned after an examination carried out by the insurance company within 5 days.

According to Art. 12 clause 21 40-FZ “On OSAGO” payment is made within 20 days from the date of submission of the application. After closing the insurance case, it is recommended to remove the car from the traffic police register as quickly as possible, since the amount of the transport tax depends on these actions.

How to speed up payment

You can get insurance faster by:

Before submitting the package of documents, you should make sure that it is complete and filled out correctly.
Immediately after an accident, contact your company, make an appointment, remember the date.
Inspect the car at a car service center to identify possible internal damage. To clarify the configuration, please submit the vehicle title and purchase and sale agreement.
Make copies of all documents and statements and have them certified by the insurer. They will be useful for resolving disputes in court.
Initiate an independent examination, since there is a high probability of disagreement with the insurer’s assessment.
Monitor the receipt of money in the bank.

If you act quickly and competently, then obtaining compensation for harm will not be difficult.

Source: https://AvtoZakony.com/dtp/kak-poluchit-strahovku