So, in the glove compartment of our car is an insurance policy on the windshield flaunts a sticker indicating that the car is insured, and we remember with some sadness about what has cost us this sign of civilization. Certainly want to believe that these costs would be justified, and for the coming year, never have to dial one phone number, referred to by the insurance agent ... Although it is likely it will not cost extra, if only because that will not have to pay significant Fines traffic cop, so you can breathe easy and forget about spent. I sincerely want to believe that the insurance will only guarantee of peace at a meeting with representatives of the traffic laws, but in this case is better not to forswear. The case where the insurance policy will provide for its intended purpose are not insured. And in this case, informed, is forearmed. Consequently, it is obvious that a careful reading of the insurance policy - an important procedure. The driver, remember: the insurance company has no desire to pay you compensation for an occurrence, so the slightest respect for every nuance in the case of an accident rests solely on your shoulders. Dear reader, reading the material below, you will not only memorize the truths of automobile insurance, but also the patience to digest summary of legislative acts and boring rules. Believe me, this is a must. Form policy OSAGO How did insurance? In 2003, the State Duma of the Federal Law "On mandatory insurance of civil liability of vehicle owners (the law on compulsory motor TPL), around which there was no right little controversy. There was a lot like the opponents of this legislation, as well as supporters. What happened has happened, and now the law is valid and, therefore, liability vast majority of motorists are insured. Unfortunately, most motorists familiar with insurance rules, as well as the contract is not in the time of completion of the policy, and later, immediately after the accident, in anticipation of the Inspector DPS. Such carelessness in such a serious case could be very expensive What can I do? It is easy to advise: "Patience, not panic!". But an accident - it is force majeure, not predictable. In this situation, even the most balanced people do rash acts. It is for this reason that every driver should know the rules of the road and accuracy to perform the actions prescribed by these rules. And it is precisely for this reason that every insured driver must know and fulfill their responsibilities as outlined in the policy. 9 main rules (print out and carry them): 1. In place of the accident to call the traffic police, because without documenting no insurance company (hereinafter - the UK) would not pay the insurance indemnity, citing the fact that the victim, a person, life, health or property which was caused by damage when using the TC driver is obliged to document the accident and provide the insurance company documents referred to in paragraph 44 of the rules of insurance OSAGO. 2. Drivers of vehicles, as participants in the accident must fill out the form on the notice of the accident showing the names and addresses of witnesses. Provided by filling in one form, the notice by drivers of all vehicles involved in accidents. If there is disagreement between the parties with respect to accident circumstances of the incident, these differences are specified in the notice. When participating in an accident more than two TC and the availability of drivers' dispute, the form notice stating the reasons of the impossibility of filling the joint is filled each driver separately. 3. It should be remembered that the notice of the insured event - a special form, which is issued by an insurer (insurance company) the insured (customer of the insurance company) under a contract of insurance car OSAGO in place with the policy. Immediately after the conclusion of insurance contract OSAGO notice of the insured event must be carefully studied, since the insured event will not just focus in order to properly fill it. Notification must always carry with him into the car. 4. Driver-blame accident must inform the other participants in the accident, intending to file a claim for damages, information about the compulsory insurance contract, including mandatory insurance policy number and the name, address and telephone number of the insurer. These data must be carefully written so that when you contact the insurance company to avoid problems and confusion. 5. At the scene of the accident the traffic police is obliged to draw up a protocol on administrative violation, indicating the person guilty of a traffic accident and paragraph rules of the road, damaged the last one. Copy of the report is issued to the victim on his hands. Also on the site crashes every driver given a statement on Form 1912 containing the information about drivers, vehicles, as well as damage to the vehicle (hereinafter - TS). 6. Need to carefully check entered in the above reference visibly damaged vehicle and for detecting the missing reference to them is the traffic police, to make sure that bugs have been eliminated. If you feel that the vehicle may have caused hidden damage, it also must be reflected in the certificate. The reason is that the damage to the vehicle is not entered in the certificate will not be attributed to this occurrence and therefore insurance benefit paid to them will not. 7. In addition to the above mentioned documents to the insurance company at its request is granted a certificate from the traffic police on Form 1931 containing the information of all participants an accident, the vehicles and their damage. Request issued for the injured hand when you apply for the insurance company. At the traffic police also need to get a copy of an administrative offense. It should be remembered that, by analogy with any other entity living on the taxpayers' money, the traffic police do not miss a chance to mock you for your own money, and therefore to obtain the above documents from the Traffic Police will no sooner than 3-5 days. 8. Statement by the insurance company in accordance with paragraph 42 of the rules OSAGO be submitted within 5 working days. Untimely appeal to the insurance company or the provision of documents not in time could become one of the reasons why the UK may refuse to pay. 9. Prior to inspection by the insurer damaged vehicle in any case not to repair the car as an expert of the insurance company is drawn up examination, indicating damage to vehicle, on the basis of which will be used to calculate the amount of insurance compensation. After applying the insurer Turns vyplatnoe case and assigns a number to which the victim may at any time to learn about the state of affairs. Than we are obliged to UK? Upon receipt of the insurer a statement from the victim of an insurance payment in accordance with paragraph 45 of the rules of compulsory motor TPL insurance, the insurer is obliged to inspect the damaged property and to arrange an independent examination to ascertain the circumstances of the injury and determine the size of damages in connection with damage to their property within a period not exceeding 5 working days from receipt of the victim's statements about the insurance payment. Under the Act on compulsory motor TPL insurer is obliged to consider the statement of the victim within 15 working days from the date of filing. In calendar terms, obtained 3 weeks. During this period the insurer is obliged to decide on the payment of insurance compensation to the victim or to send a reasoned refusal. Insurance payments are made by cash or bank transfer within 3 working days from the date of the decision on the implementation of the insurance payment. It should be understood that the reimbursement is subject to actual damages caused to property of the victim in the amount of expenditure required to bring the property into a state in which it was before the insured event (reducing costs). Remedial expenses are paid based on the average prevailing in the relevant region of prices, given the wear and tear of parts, components, assemblies and parts used in restoration work. In other words, new parts to restore the vehicle insurance company will not pay, so that out of old Zhiguli get a Mercedes can not count. But be reimbursed losses associated with the evacuation, as well as keeping the damaged vehicle, of course, subject to the provision of relevant supporting documents. Or maybe not pay? .. So, we filed all the necessary documents to the insurance company, we sit at home and waiting for us to pay back the money. But the thing: the letter with a denial of insurance payment. Unpleasant, of course, but still not worth despair ... It remains a chance to get redress from the perpetrator of an accident by the court. The grounds on which the insurance company may refuse to pay are listed in paragraph 8 of the rules of insurance OSAGO. Several examples of denial of payment. Example one. Notice of Accident (face) Notice of accident (back) How to use the notice of the accident the car is parked on the roadside. The driver, without making sure that it does not interfere with another vehicle, opened the door and at this moment there is a collision with a car moving in the same direction. It would seem clear - to blame the driver standing in the TC, who created obstacle to the movement and thereby caused the damage to another vehicle. In this regard, to pay costs associated with repair of the affected vehicle should be a company in which the latter has insured his civil liability. But it was not there ... According to Section 6 of the rules OSAGO traffic accident is an event that occurred during on-road vehicle and with his participation, which killed or injured people, damaged vehicles, etc. Insurance companies are often tied to the phrase "in motion", referring to direct the movement of the car on the road, and denied an insurance payment. Theoretically, the process of traffic is a broad term encompassing and includes not only the actual movement of the car, but the parking, stopping, boarding and disembarkation of passengers, etc. In the case of such refusal the right thing immediately go to court. Another example. A typical situation on Russian roads: you - the culprit accident and are in a state of intoxication, as confirmed by the relevant protocol. Insurance company in this case pays the insurance indemnity to the victim, and after, according to Article 14 of the Act on compulsory motor TPL insurance, makes you recourse through the courts (if not denying insurance claims). That is, you have to pay UK funds which it paid to the injured party. Recently, one of the insurance companies had created a precedent when the perpetrator of an accident has not agreed to undergo a medical examination on the state of alcoholic intoxication. Evidence that the driver was drunk, the insurers did not have, and they had to pay insurance money in full. The driver, an accident was to blame for their money, receiving only trouble with the traffic police authorities. Voluntary insurance of auto-Hull. As can be seen from the practice, this type of insurance used by the owners rather expensive foreign cars, or citizens who purchase a new car on credit. Having decided on voluntary insurance of your car, you should very seriously consider the option of the insurance company. No need to "rush" on low fares and a huge list of services some unscrupulous companies. Everyone knows that free cheese is only in a mousetrap. When choosing an insurance company needs to get about as much as possible information, namely, how many years this company has been in the insurance market, what about her financial affairs at a time when you decide to insure your car on Hull, a well-paid as indemnity for losses. Typically, this information is not hard to find on the Internet. It is worthwhile to repeat the insurance contract is signed, it must be remembered that the insurer is happy to insure your property and gratefully take your money, but when the insured event hurry to give their money the insurance company will not and as soon as possible will refuse to pay. Auto-Casco - simple rules. 1. Before entering into a contract you need to carefully read the rules of insurance, which are an integral part of the contract. They reflect all the conditions under which the insurer undertakes to pay insurance money or to refuse to pay. In all companies, the rules are very similar, but there are very weighty nuances. Thus, there is a perception among motorists that if the insured vehicle on the auto-CASCO, the car is insured "from everything", the insurance companies tired of answering that the car is insured only against certain events and on certain conditions. 2. The program auto insurance CASCO includes insurance against such risks as "Damage" and "Theft" (usually the "damage" + "theft"). Risk of "damage" protects the vehicle is damaged as a result of: accident, wrongful acts of third parties, falling, falling on the vehicle of foreign objects, natural phenomena of nature, and so on. Conditions may vary from company to company, so the insurance rules to be read before signing the insurance contract, not after the money given, and the car is damaged. 3. With car insurance program Auto-Casco in the insurance contract may also be specified deductible. The amount of insurance can be significantly reduced depending on the size of the franchise. Ie If you have a franchise agreement is equal to $ 200, then in case of accident you have to pay this amount yourself, everything else will cover the insurance company. So if you do not want to pay the entire premium as a whole, agreed in the contract amount of the franchise, but remember that any slight damage you will have to reimburse yourself. 4. The contract must specify in what form you will receive insurance reimbursement when the insured event. Insured offers several options: - for calculation of the insurer - for calculation of the insured; - repairing the vehicle to a service station insurer - payment of costs to repair the insured vehicle in providing the latest supporting documents (the order of orders for repair of vehicle, checks, etc.). More practical to just choose "by calculation of the insured" or "repair the vehicle to a service station of the insurer, even if it cost more. If the car is under warranty, the contract should reflect that STOA insurer must relate to the company, dealer vehicle manufacturer in Russia and have the appropriate license. When insuring TC risk "theft", the insurance company undertakes to compensate the material damage as a result of vehicle theft. In this case, concluding the contract, the insurer will always require installation on a vehicle anti-theft tools, alarms, etc. Without this condition, no decent insurance company to assume the obligations will not. Very important point: when the contract specifies where to store the car at night (at the guarded parking lot or where it is necessary). This affects the amount of money with which you are about to leave. Not worth saving, and even if the car is regularly spends the night at the parking lot is better to specify in the contract that the car is at night unsupervised. In this case, the car theft reduced risk of a denial of reimbursement. Another important point: the insurance contract must clearly reflect the date and time of the contract. An example of the third - final. Auto-owner insures a very expensive car. In the insurance contract, it was stated that the agreement enters into force after the installation of the insured vehicle at the anti-theft system (defined by the manufacturer) and providing the vehicle to inspect the insurer. Protivougonka was installed, but on the vehicle inspection was provided. Neither a month as a car stolen and the insurance company, guided by the fact that the treaty has not entered into force, refused to pay. Dear motorists be extremely careful as the wheel, and a possible difficult situations, try not to take rash actions and I hope that armed the above tips, you will always be a winner.
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