Comprehensive car insurance is, of course, expensive, so drivers rarely insure cars voluntarily, but those who buy vehicles on credit have to buy CASCO.
Car or other vehicle insurance under CASCO assumes compensation for damage or loss of property as a result of damage, theft or theft. Unlike OSANO, CASCO tariffs are not regulated by the state, and therefore the cost of the policy in each insurance company is different. CASCO is expensive, the cost of the policy can be calculated according to two options: either from the cost of the car (determined as a percentage and applied to cars from salons), or by the state of the vehicle (determined by an expert after inspecting the car, as well as after determining the type of its operation, storage, the presence of such safety devices as alarms, blockers, etc.)
Obviously, in the event of an insured event, the insurance company is obliged to reimburse the costs of the insurer to repair the car or its residual value in case of theft or theft.
Insured event: road accident
If you have an accident with a car insured under CASCO insurance, you need to collect the most complete set of documents, as well as perform absolutely all actions to record the insured event. So, you need to call the emergency commissariat to the scene of the accident, which must draw up a road accident scheme with you and provide you with an act. Sometimes they offer to come for a document a day later - this is normal. Even if the accident is minor, and the current legislation allows you not to call traffic police - do not neglect their services, otherwise you risk being left without insurance compensation.
Call the DPS. The police officer is also obliged to draw up a road accident scheme, take away explanations from the drivers, then hand out the scheme and protocols to the participants, offer to drive for registration. Be sure to take photos of the accident scene, a photo of the participating car, and also make copies of the diagram and protocols.
When considering the circumstances of the accident, the culprit will be identified in the traffic police on duty, after which the participants will be given a certificate of the incident and a protocol on violation of the Administrative Code. If a medical examination has been carried out, be sure to take a certified copy of the certificate.
With the collected package of documents, go to your insurance company, where the manager is obliged to form a payment case on the day of contact, and the appraiser is obliged to inspect and photograph the car. After all the procedures, you will be given a prescription at the service station and the amount to be paid will be calculated. This amount can be transferred to the service for work and materials.
Insured event: theft
When the vehicle is stolen, you need to go not to the traffic police, but to the police, where the authorized officer will accept the statement of theft, and you will be given a KUSP coupon - an offense registration ticket. This coupon can serve as the basis for contacting the insurance company, but not the basis for the formation of a payment case.
Within a couple of days, you will be invited to an investigator, and a long procedure for selecting explanations, questioning witnesses and other investigative actions will begin, while you will also be given a document confirming the fact of theft.
After an average of two months, you will have on hand a full package of documents, with which you need to go to the insurance company, where you will have to again and, possibly more than once, tell the story of the theft of a car, and also convince the managers that there were no documents in the salon, and the car was equipped with everything that is listed in the policy.
Another month - and the sum insured will appear on your account, of course, unless the insurance company suspects you of staging or finds another way to refuse payment.
