How to fix a car for pennies on the insurance?

Car accidents happen unexpectedly and quickly, and to disentangle their effects have sometimes for months. To insurers often heard only complaint: many motorists are faced with under-sum payments, delay time of repair. But lately the relationship between insurers and policyholders complicated financial hardship and ruin the first. A typical situation: the perpetrator of the accident is finished with just repairing your own car, the victim is forced to collect money from the insurance company. Of course, these problems are not familiar to people who have a policy of Hull - for them all to be done. And what about the rest? Standard scheme: two cars collided on the group indiscriminately identified the culprit, and he, in turn, gave the number of your insurance policy and contact the issuing company. For him, the incident is settled - remains to find a service where the car "patch" is cheaper. And for all the victim has just begun, and with a probability of 90% he will face challenges in resolving the financial issue. Most probably a common problem - under-insurance payment. In words, it can not be solved only through the courts. Unscrupulous insurers pay a penny for costly repairs with the expectation that the person waves his hand and would not seek justice. They say, and time has already passed, and the dust settled. And in most cases, their calculation is correct, even though the percentage of satisfaction of the claim of the injured CMTPL in court is quite large. But before the "plant" because of the insignificance of the accrued amount is calculated, in fact it does not correspond to reality or simply the difference, taking into account wear and tear is too big. If the machine ran more than a dozen (or even several hundreds) of thousands of kilometers, the cost of new parts and repairs on the company's service will be really high. Insurers are also in calculating the payment amount is based on paragraphs 63 and 64 OSAGO. Calculation based on average prices of parts and labor in the region, taking into account depreciation. But it's more like a fairy tale, because the purpose of the insurance company - not to indemnify and save your money, so the calculations are based not on the actual average market prices. Yes, and inspection of damage is carried out "independent" experts who sit in the office of the insurance. In most cases, estimates the company thoroughly "prikormleny", so much so that their neutrality have much doubt. Thus, it may be that a new bumper for Toyota worth 25,000 rubles (the cheapest one found in numerous directories), while 50% wear on account of the victim must be received, respectively, 12 500 rubles, and this is without cost. But a well-known and proven company manages to "find" a cheap bumper that considers the amount of 4,000 rubles is sufficient. However, does not disclose the secret, where can get spare parts for such an affordable price. Injured in an accident also has a desire to save their money and achieve a fair compensation. And if he is ready to go in their desire to end, he will have hard work to the collection of documents, registration of claims and litigation. Car inspection experts provided by the insurance company, confirmed by an act signed by both parties. In this paper (or its copy) you can turn to other valuation firms, regardless of which there is no doubt about it. If you have any doubts about the accuracy of the inspection, you need to write their thoughts in a note - later in court, they can play an important role. With the result of re-examination and a new recalculation is possible to prepare a statement of claim in court. Try to resolve the disagreement can be a pre-trial claim, but most likely the plaintiff will be denied the satisfaction of his claims. For further action should be to find a good lawyer because the insurance company is unlikely to give up without a fight. To the victim had no reason to find fault in the case of the "great game" with the insurer, it is necessary from the outset to collect all the documents and make copies of those papers that can not be transferred to the hands. The main thing - to have a confirmation of transmission of documents to the insurance company, for this brought to the office market should make a copy and ask the insurance agent to place a mark of acceptance. And in pre-trial claim should indicate that a copy be sent to the Federal Service for Insurance Supervision (FSIS) and the Russian Union of Insurers (RSA). Not only indicate in the letter, but did send back a copy together with a complaint of unfair insurance companies, giving the court a copy of the receipt of shipment, ideally - to send registered with the notification. If you win in court can be sent to FSIS and the SAR request to suspend the license of the insurer, based on proven in a court of violation of legislation of the Russian Federation. Of course, they are unlikely to really reverberate license, but the problem with checks will be provided. At first glance it might seem that "butt" with the insurance company - "dead issue". But the lawyers shows: most claims court meets in favor of the victim. If motorists would go to the end and win hard-earned money, and cheat them will simply not profitable. Comment lawyer Dmitry Prokhorenko: - On the stage of defining the cost of repair should be handled by independent experts. And only then, based on estimates prepared by the Act, you can go to the insurance company. If the issue is not solved, the only way to recover their money - to go to court. My friend managed to settle the cost of repairs to the pretrial order, but so far in my experience it is an isolated case. Text: Olga Zabelkina.