Often, insurance companies are in no hurry to fulfill their obligations to pay money. Moreover, some unscrupulous insurers refuse payments at all for no apparent reason. You can avoid unpleasant situations armed with certain knowledge.
It is necessary
- - passport of the policyholder;
- - driver's license;
- - vehicle passport and vehicle registration certificate;
- - technical inspection coupon;
- - a receipt for payment of insurance;
- - certificate of an accident (natural disaster, theft, etc.);
- - power of attorney to drive a car (if you are not the owner).
Instructions
Step 1
Having decided to conclude a CASCO agreement, first of all carefully study the reviews about the insurance company. Stop at a solid and proven one. Read the agreement carefully and clarify the points of doubt. Before signing the papers, make sure that you are fully familiar with all the nuances and details of the contract and clearly understand your rights and obligations.
Step 2
If an insured event occurs, do not get lost and begin to follow the instructions clearly. The first step is to call the insurance company and notify the operator of the incident. Don't worry, speak clearly and clearly. Then prepare the necessary documents for contacting the insurer. If an accident has occurred, fill out the notice and take the necessary documents from the traffic police officer. Go on the specified day and hour to the department and take the missing papers with stamps. If a natural disaster occurs, prepare a certificate from the Ministry of Emergency Situations, in case of damage to your car by third parties or theft, attach a police certificate to the main documents.
Step 3
Prepare a package of documents and go to your insurance company. If your car is damaged, do not repair it under any circumstances! The slightest elimination of damage will result in a refusal to pay insurance. Write an application and present the required documents.
Step 4
The insurance company is required by law to review your application and make a decision within 15 days. If this does not happen, call the insurer and try to clarify the situation. Be persistent and get a conversation with the payout manager. In most cases, communication with superiors will speed up the process of obtaining reimbursement.
Step 5
If time has passed, and there are no positive changes, write a claim to the insurance company. If these actions did not lead to anything, go ahead and contact the Federal Insurance Supervision Service. If the case does not get off the ground, go to court.
Step 6
In case of successful completion of the process, the insurer will indemnify you not only for damage under CASCO, but also for all additional costs incurred in connection with the litigation and other circumstances of this case.
