As a rule, in a difficult stressful situation, a person is lost, he cannot always adequately respond, and even more so, follow any rules. A road traffic accident is just such a stressful situation, and out of confusion, the participants in the accident take actions that in the future are an obstacle to receiving insurance payments.
A clear knowledge of the rules of the road and the algorithm of actions at the time of the occurrence of an insured event is required in order to avoid negative consequences associated with contacting an insurance company in the future.
OSAGO
The deadlines for submitting documents to the insurance company are regulated by the Resolution of the Government of the Russian Federation "On Approval of the Rules for Compulsory Civil Liability Insurance of Vehicle Owners". Within 15 days from the date of the accident, the victim must send the documents to the insurance company to receive the insurance payment. The insurance company must arrange for an examination of the car within 5 days in order to identify the amount of damage. If the applicant does not present the car for inspection, the insurance company may refuse to pay on completely legal grounds.
As a rule, the results of the examination are underestimated by about 30% due to the fact that the independent examination actually depends on the insurance company.
It is better to contact an independent expert organization that has no relationship with the insurance company.
CASCO
The deadlines for submitting information about an accident in each insurance company are different and are spelled out in the insurance rules, which are part of the contract. As a rule, the period ranges from several days to two weeks. There are two options for CASCO damage compensation - cash payment and repair of the damaged car. To receive a CASCO payment, the insurer must provide the insurance company with a certificate from the traffic police, which indicates the culprit of the accident, an identity card, documents for the vehicle and the application itself are also provided. Further, the insurance company considers the amount of compensation, the period for consideration is also prescribed in the contract, the countdown of days begins from the moment of contacting the insurance company and providing a package of documents.
In order to obtain consent to payment, it is necessary to strictly follow all the rules for registering an insured event.
Before signing the contract, read it carefully and explain all the wording you do not understand. Otherwise, not in all cases it will be possible to receive an insurance payment due to wordings that are interpreted in two ways.
Often there are cases when the insured could not contact the insurance company in time due to a business trip or because of an accident he ended up in the hospital and was able to notify the insurance company about the incident only by phone. And the actual deadline for submitting the application has expired. The insurance company in such cases refuses to pay. It is possible to receive an insurance payment through the court, it is only necessary to prove that the policyholder found out about the insured event in a timely manner.
