Even a very accurate driver with extensive experience is not immune from accidents. One of the mandatory points in this case is the notification to the insurance company. Should the person responsible for the accident do this?
The legislative framework
Notifying the insurance company is a duty that was spelled out in the current legislation, and not an ordinary gesture of civil responsibility and goodwill of the person guilty of an accident.
Policyholders, that is, those who took out insurance, must notify their insurance company about the occurrence of insured events in the time frame and in the ways that were stipulated in the insurance agreement. In particular, the requirements of the guilty party are enshrined in the following legislative regulations:
- Law on Compulsory MTPL, Article 11.
- Civil Code of Russia, paragraph 1 of Article 961.
- FZ-40, article 11.
What the culprit of the accident should do
In the event of an accident, its culprit must first of all contact the representative of the insurance company and notify him of the accident. At the same time, it is necessary to clarify who exactly is the guilty and injured party in the accident. It is also important to clarify the following information:
- Time and place of the accident.
- The number of vehicles involved in the accident.
- Year of manufacture, make and state number of each vehicle.
- The number of victims or victims, as well as the severity.
After that, the culprit should act as directed by his insurance agent. He, in addition, is competent to make a decision that the insurance commissioner or another employee of the insurance company should come to the scene of the accident, who can document the accident.
SC alert methods
The most prompt and correct way to notify the insurance company is to call the contact phone number. In some cases, the insurance company can cheat and say that the insured citizen called too late or did not call at all, so you should write down this and the position of the employee who will be the consultant for this accident. In large insurance companies, you may not think about this, since they have a recording of calls and telephone conversations.
Another way to notify the insurance company is to contact them by mail. In this case, a statement of the appropriate form should be drawn up in duplicate. The letter must be sent by registered and with obligatory notification. You can also fax your insurance company. All of these methods are legal.
Another way of transferring documents for insurance payments is to transfer them all through a representative. A prerequisite is that the representative must have an appropriate power of attorney with him.
Conclusion
Even if only the injured party can receive insurance payments under the current policy, both parties to the accident must notify their insurance companies.
