peculiarity of compulsory insurance of auto-responsibility is that insurance does not insure the car, and the responsibility of the owner to third parties.That is, the policy will reimburse the damage caused to other road users.The cost of repairing the car, got in an accident, is not compensated for this type of insurance.The money from the insurance will receive only the aggrieved party, and not the perpetrator of the accident.The only exception, as a result of the accident he could get paid for insurance is mutual fault.
April 19, 2013 the State Duma passed the bill on which insurance payments will increase.Increased insurance amounts will occur in stages from 160 to 500 thousand rubles for the injured.And also increase payments to compensate for damage caused to property, from 120 to 400 thousand rubles.Victims have the right to choose - to take the compensation money or repaired in the workshop.
should be understood that in order to quickly and surely to receive insurance payments from the insurance company, you need to start acting immediately after the accident.First of all, it needs to properly arrange the accident, properly write the application, collect all the help and successfully pass the examination.The more serious the accident, the longer it will take all of these procedures.Any error in the processing of documents may be a reason for refusing compensation.
In the case of a serious accident, it is important to immediately find witnesses to the accident.Immediately call the employees of traffic police.Prior to their arrival, inspect the car yourself, to know what kind of damage should be described in the documents.If any of them is reflected, paying for insurance for your benefit will be lower.
While waiting for the arrival of the crew, call your insurance company.Explain the situation to the operator and follow its recommendations.You need to fill in to the second party a document entitled "Notice of the accident."Do not forget to sign (and a second participant) on all copies.
On the day of the accident you need to be sure to get help form №748 (about participation in road accidents).If you draw up a protocol on administrative offense, you must take a copy of it to provide to the insurer (I assure all print document).
As a result, you must set a date for the visit to the investigator, who will determine the guilty party.You will be given a ruling on offense.Do not forget about the timing of payments for insurance.Within 15 days after an event you will want to visit the center to pay the insurance company to make a statement and leave a full package of documents (certificate №748, a protocol on offense, TCP, pass inspection, registration certificate and passport of the owner of the vehicle, the driver's license, bank details forobtaining compensation).Payments must be made in the insurance within 30 days after receipt of the documents (or you may send a reasoned rejection).
According to the legislation, always made payments on insurance, taking into account depreciation.This means that the older the car, the lower the amount to be assess the damage.That is the amount specified in the examination is likely to be greater than that which you really can get from the insurance company.
