It is necessary to submit an application to the insurance company within 15 days from the date of the accident. Before that, you need to collect a package of documents, the list of which in each specific case may vary depending on the situation.
The procedure for contacting the insurance company
Traffic accidents are not uncommon now, but if you have insurance, the problem of obtaining funds for repairs is easily solved. To do this, you must promptly submit the necessary documents to the insurance company. The specialists will review the information about the accident and, if it is recognized as an insured event, the company will make the appropriate payment in accordance with the previously concluded agreement.
After the occurrence of an accident and the receipt of the accident form, the accident participant who suffered the damage has 15 days to submit documents to the insurance company. They can be sent by delivery service, by mail or brought in person.
After submitting the documents, the insurance company, as a rule, carries out an examination of the car with the participation of its specialists. But it is worth remembering that the owner of the vehicle can choose the institution for holding this event himself or require a secondary check in the personally selected organization if he doubts the competence and impartiality of the experts of the insurance company.
The culprit of the road traffic accident is also notified about the examination if the amount of damage exceeds 120 thousand rubles. The notification of the insurance company, as well as the culprit of the accident, is carried out by telegram or in person.
List of required documents
To receive insurance payments you will need:
1. Certificate of the traffic accident with a list of all damage to the vehicle, received in the event of an emergency. It is not required if the road accident registration was carried out according to a simplified procedure.
2. Notification of a traffic accident that has occurred.
3. Protocol, which recorded an administrative offense. This document is submitted upon request.
4. The decision in the case of an administrative offense. Also available upon request.
5. Documents confirming the ownership of the vehicle.
6. Driver's license or power of attorney to drive a car.
7. Insurance policy.
8. Details of the banking institution to which the funds of insurance payments will be transferred.
Perhaps, depending on the situation, additional documents may be needed, such as the conclusion of an independent examination on the amount of damage received, confirmation of the fact of payment for the services of an expert, confirmation of additional costs, for example, using the services of a tow truck or paying for a paid parking lot.
