Independent examination of the car after an accident: reviews. Assessment of damage to the car after an accident

Among other types of appraisal activity, an independent examination of a car after an accident (the reviews confirm this) is one of the most sought-after services of this kind. It has become popular since the introduction of OSAGO.

Evaluation of the car after an accident is interested, in the first place, those drivers who have already encountered insurance companies. It estimates the harm in monetary terms, and with its help you can demand compensation from an insurance company or the culprit of a traffic accident.

We will consider how the independent examination of the car after the road accident is conducted and what we will learn, they are left on the forums and on the sites of the companies by those who have already used this service.

Vehicle evaluation and timing

The timing of the examination, as a rule, depends on the complexity of the work, the place where the inspection will be conducted, the technical damage, the availability of information about the spare parts for the machine.

After submitting an application for MTPL, the car should be inspected for five days. If the deadline is missed, an independent technical examination of the car after an accident can be conducted in any institution of the relevant profile.

Such an assessment of the car should be done if it is damaged, and the owner plans to receive payments for OSAGO. To do this, the insurance company presents an opinion on the basis of which compensation is paid. When applying for payment on CASCO, it is made based on the results of the evaluation report.

The cost of independent expertise depends on several factors. For example, if you need to visit an expert, it will cost from 500 to 1000 rubles.

The drawn up act with a photo is another 1000 rubles.

The expert's conclusion with an exact calculation of the cost of spare parts and repair work will cost between 3000 and 8000 rubles.

In addition, for an additional fee, a package of documents can be delivered to the customer, a claim was made to the insurance company and the client was supported in negotiations with the UK or in court.

Stages of examination

Usually, when they turn to a company that provides similar services, the whole process consists of the following steps.

1. Consultations by phone.
2. Clarification of all data on the place and time of the inspection.
3. Coordination with the call in place of all stakeholders.
4. Conclusion of the contract.
5. Payment of the service.
6. A call to see people through a telegram.
7. Inspection of the vehicle with photographing, fixing damage and drawing up an act.
8. Repair calculation.
9. The expert's conclusions.
10. Report transmission.

Issues that are resolved in consultation

The main issues that are decided by the examination of damage to a car after an accident are as follows.

There must be an understanding of how badly damaged the car is. According to this information, it is estimated whether there can be hidden defects in it. For example, if the bumper is destroyed to the base, and the boot lid does not even open, most likely there are hidden defects in the rear panel, as well as the floor in the trunk. Then the car is inspected at a service station or in the office.

You should also find out what kind of insurance the originator of the accident has. Maybe he only has OSAGO, or OSAGO and CASCO. And maybe there was not a single insurance for him at the time of the accident. Depending on this information, a decision is made as to whether it is necessary to call interested persons for inspection.

Further, appraisers, as a rule, are interested in whether the client applied for an expert opinion in the insurance company earlier, and if so, how much he was already paid for for insurance.

If the first inspection of hidden defects could not be detected, but the customer is aware of their existence, then the expert should be informed about this. This will help to ensure that the inspection report reflects more fully relevant information, and also photographed these sites.

The address to be inspected is also specified. In large companies, an independent examination of the car after an accident can be carried out throughout Russia. Its cost includes the costs of the expert's departure.

According to clients, they only need to contact the company that provides services, and all these actions are already taken by the employees.

Preparatory stage

A specialist can go for an inspection in a few hours. It is especially convenient if the place where an independent examination of the car after an accident is taking place - Moscow. If the damage is insignificant and the machine remains on the move, then it can be adjusted directly to the office of the expert company.

Usually for on-site inspection or with the approval of interested persons takes three to five days. But in large companies often there is an urgent inspection service with the necessary calculations.

Interested persons are called for inspection usually if:

• After applying to the insurance company, defects were found that were not fixed by their representative;
• The insurance limit was less than the upcoming repair cost;
• The culprit of the accident disappeared from the scene;
• There was no GAI parse group.

You do not need to send a telegram in the following cases:

• When payments on the SAR or the Green Card are not expected;
• There are no hidden damages on the machine;
• The culprit will come for an inspection.

In any case, if the perpetrator was not notified of the forthcoming examination, this would not be grounds for refusing to compensate the victim.

Before an independent examination of the car after an accident is carried out, the cost of damage is calculated, a contract is made in duplicate, payment is made, at which the customer receives a receipt-confirmation.

Based on the original contract and receipt, the cost of this service will be collected from the insurance company or the originator of the accident in court. Payment in this case can be made in various ways, both in cash and by bank transfer. Judging by the opinions of people who sought justice in the courts, with a positive outcome, they often managed to recover from the company and the amount they paid for the services of the appraiser.

Inspection and drafting of an act

Before the damaged vehicle is inspected, the expert examines the submitted primary documents, which were compiled by the traffic police and other persons. Numbers and other nuances are checked. Then the specialist starts to inspect and photographs the vehicle.

This must be done on four sides and corners. Naturally, attention is focused on the place of impact, all damaged parts are photographed separately, and the body number and mileage are documented to document that the vehicle is the one that was damaged in the accident.

Carrying out an independent examination of the car after an accident at this stage is accompanied by the full cooperation of the customer, in the interests of which providing comprehensive assistance to approach the car from different sides. It is better if it is washed, since some dirty damage can be seen in dirty form or with snow.

After all the parts have been photographed, the specialist draws up an act that indicates the list of parts that have been damaged. A replacement or repair is prescribed and other work is described, for example, wheel alignment, diagnosis and defect.

On how this document will be filled, further calculations depend. If you received a proposal to make an independent examination on the basis of documents of the insurance company, it is better not to agree to it, and to conduct it with inspection. Moreover, it is necessary in the event that there are suspicions that the list drawn up by the insurance company does not reflect all the damages.

Calculation of CTP and CASCO

After the act is drawn up, the expert passes to the next stage. At this step, the amount of damage from an accident is estimated. The calculation is made in the following special programs:

• "Motor depot";
• Audatex;
• SilverDAT;
• EUROTAX;
• PS-Complex.

The program is driven into the VIN number, the equipment is determined and, if there are, additional options. The program then displays all the details of the car, as well as their number and price. After that repair works are assigned, and, in the end, the calculation is made.

The final cost includes:

• The price of spare parts;
• The price of materials for repair;
• Cost of work.

When calculating for the MTPL payment, the cost is taken from the SAR directory, which is installed in the licensed programs.

When calculating for CASCO, if the car is under warranty, and repairs will be carried out at authorized dealers, the cost is calculated based on the prices available from authorized dealers.

If the calculation is made by CASCO, but the car is no longer on warranty service and repairs need not be carried out from an authorized dealer, the average market value is taken on the basis of reliable sources, such as large Internet portals or shops located within the region.

The calculation also takes into account the depreciation, which for OSAGO can not be more than 50%. And for consumables, as well as individual parts, it does not apply. So, if the car is already 15 years old, do not expect that OSAGO will refund the amount for new spare parts.

But if the insurance is paid for CASCO, then usually depreciation is not taken into account. Therefore, even if the insurance company paid the insurance in the light of depreciation, there are all chances to win the case in court.

Expert opinion

Based on the results of the work, the expert makes the following assessment:

1. Sets the presence and extent of technical damage.
2. The causes of damage to the vehicle and the possibility of their attribution to an accident.
3. The technology, volume and cost of repair are calculated.
4. The amount of compensation for carrying out the repair repair is established, taking into account its technical condition.

The report together with all photos, the inspection report, calculations and documents of the expert are sewn and signed by him, and also the head of the company, and then transferred to the customer.

The package of documents includes:

• The expert's conclusion with the description of the research and references to the normative acts applied in its course;
• Photo, where all the damaged parts of the car are fixed;
• Calculation of the cost of repair with and without wear and tear;
• Inspection report of the vehicle;
• Documents that confirm the qualification of the expert who conducted the examination;
• The contract concluded with the organization on rendering of services and the receipt confirming payment made for it.

Submission of documents together with an expert opinion

When all documents are received, and the insurance for OSAGO is paid in a small amount, you can file a pre-trial claim and send all documents to the insurance company. The victim can also entrust this procedure to the organization in which an independent examination of the car after an accident was carried out. Feedback from those who passed this stage with specialists, show that many managed to achieve a surcharge.

It is necessary to strictly adhere to the pre-trial order, which is prescribed in the law. If there is no claim made in the proper form, then the court may not take the suit to the proceedings.

If the insurance does not cover the cost of repair completely, you can call the culprit of the accident and ask him to pay the remaining amount. With a refusal, armed with a pre-trial claim, you can safely file a claim. At the same time, it should be noted that if the court finds the expert assessment incomplete or if there are two examinations in the case, they may be assigned another forensic examination of the car after an accident.

The experience of the road accident participants shows that if the insurance is paid under CASCO, insurance companies can easily recover a reasonable amount of moral damage. At the discretion of the judge, it can vary in the amount of 3,000 rubles to 50,000 rubles.

Selection of expertise

Evaluation of the car after an accident should be conducted in a company that enjoys an irreproachable reputation and trust in customers. Many people, faced with this problem, turn to the recommendations of their friends. But what if there is no one to advise the organization? What are the criteria to rely on for a qualitative independent examination of the car after an accident? Reviews of course, important. But, there are also objective facts to which attention should be paid. They are the following.

1. The organization must have at least one specialist, which is included in the roster of technical experts of the Ministry of Justice of the Russian Federation.
2. If the expert only earns extra money by this activity, it is better not to trust him with the research.
3. You can ask the expert for examples of his expertise, as well as judicial decisions taken on the results of his activities.
4. A significant role is played by sufficient experience in this field, especially with large law firms, since only high-level specialists work in them.

If all the above conditions are met, you can be sure that the expert examination of the car after an accident will be carried out by an expert in a qualitative and full manner.

When choosing a company, one should proceed from the principle that the cheapest examination may well prove to be substandard. The same can be expected from independent experts. Although this, of course, is not a statement, but there are reviews of people who have faced such problems.

Independent expertise must be performed by a high-class specialist. This requires both higher education and a rich work experience. Also, experts pass vocational training courses, pass a job to obtain a diploma, pass a commission of the Ministry of Transport, work for a time as assistant experts and only then qualify as an expert, together with which they acquire the right to sign the expert opinion themselves.

It is clear that the work of a professional at this level can not be cheap. But some companies underestimate the cost of services initially, and at the finish stage they can bill even larger than other, initially non-expensive organizations.

Free examination or so-called state examination of a car after an accident is simply not carried out. There may be some advertising moves to attract customers, but no more. Therefore, do not trust those who offer services for free or very cheap. Most likely, there is a catch in the end.

In serious companies, initially all prices for each of the services are listed, and already at the consultation level information can be obtained. However, the organization can be offered certain types of related services, which are provided free of charge.

Reviews

I would like to add a few words about the opinions of interested persons about the independent expertise. Heads of insurance companies are sounding the alarm due to the fact that the auteurists are "rioting", because of what the UK can even go into negative.

Of course, companies can be understood: they need to extract profit from their activities. But, if you look at the situation on the part of car owners, it becomes obvious that when you contact avtoyuristam they have a much better chance of getting a decent payout. And at any legal advice on the accident you will be told that first of all it is necessary to conduct an independent examination.

Conclusion

Thus, it is necessary to conduct an evaluation with the participation of independent specialists. As you can see from the above, in order to do everything correctly, you need to know many nuances. But, if the service company is selected carefully and meets all the requirements confirming its high status, it can be entrusted not only with the assessment of the TS, but also, if necessary, further trial in court.