In the event of an insured event under an OSAGO contract, the car owner is obliged to contact the insurance company. The insurance company inspects the damaged car and calculates the insurance payment based on the cost of refurbishment and the necessary materials. It happens when the amount determined to be paid by the insurance company under the OSAGO agreement is not enough to repair the car
If the amount determined by the insurance company to be paid is significantly lower than the amount required to repair the car, you need to re-conduct an independent examination. Before carrying out the examination, it is necessary to inform the insurance company about the place and time of its carrying out. Having received the opinion of an independent expert with a calculation of the cost of the repair and the materials necessary for it, you need to draw up a legal claim. The following documents must be attached to the claim to the insurance company: a copy of the protocol on the APN case, a copy of the resolution on the APN case, a copy of the direction for assessment, a copy of the Vehicle Registration Certificate, a report drawn up by the company that conducted the examination. In case of refusal to satisfy the requirements set forth in the pre-trial claim or there is no response from the insurance company, you can go to court with a claim for compensation for moral and material damage caused.
