Despite the fact that in our country clearance insurance policy is compulsory, many misunderstand the essence of this type of insurance.As a result, gets into an accident, they are genuinely surprised when they learn that the insurance payments on insurance they do not put.
important to realize that MTPL insurance means your liability to third parties.That is, the insurance payments only put the injured party.In other words, processing insurance policy you insure someone else's property.If you want to insure your car, you need to decorate the policy Hull.
do in case of an accident
a result of a car accident occurs any damage.It can be applied both to human health and road vehicles.If you are involved in an accident, the first thing you should do - is to install an emergency sign, call the traffic police and emergency commissioner.In no case should not move the cars.
Prior to the arrival of specialists is not necessary to discuss with her the second participant accident circumstances.And admission of guilt - it is the traffic police inspector (except, of course, completely obvious cases).In order not to lose time in vain, the participants of the accident can fill the "Notice of the accident" and sign it.
After working at the accident site traffic police must issue a certificate, the report and the decision on the guilty in an accident.If the documents are not issued, be sure to ask when and where will be your analysis of the accident.If you are the injured party, all these documents will be needed to ensure that you have calculated the payments on insurance.
the insurance company
Once you give a statement to the insurance company, as well as all the necessary documents, you will be assigned a date to review the damaged independent expert.After examination of the vehicle within 30 days of the insurer must make a decision on the application.Often, however, the procedure could delay and even the submission of additional documents.
Even if you are not guilty in an accident, you should be prepared to ensure that the insurer may significantly underestimate the amount of payments for insurance.Rosgosstrakh, for example, in 2012, became a leader in the refusal of compensation under insurance policies.
understate insurance payments for insurance, the insurer may in several ways:
- instead of replacing the spare car parts in the report estimates indicate the cost of the repair (for example, bonding the bumper);
- used in assessing the reduction in the cost of spare parts due to the inclusion of their depreciation.
Many ask why the insurer to do so.The answer is simple - few go to court to defend its interests, which means that the insurance company will save a huge amount of funds for compensation.
If you are sure that the insurer greatly underestimates the insurance payments on insurance owed to you, be sure to go to court!This can be done not only yourself, but also through representatives.Today, companies from the market of such a service, pretty much.It is important to choose one that charges a fee for its services only after a victory in court.
And finally, I note, in any case, do not repair the machine before will receive insurance payments for insurance.Otherwise, in the case of under-compensation, you can not prove anything.
