Insurance payments for OSAGO: how to get what is due

Despite the fact that in our country registration of the MTPL policy is mandatory, many misunderstand the essence of this type of insurance. As a result, when they get into an accident, they are genuinely surprised when they learn that insurance payments for OSAGO are not put into them.

It is important to understand that car insurance means insurance of your liability Before third parties. That is, insurance payments are put only to the injured party. In other words, when you formalize a MTPL policy, you insure someone else's property. If you want to insure your car, you should additionally issue a CASCO policy.

Actions in the event of an accident

As a result of any car accident, damage occurs. It can be caused both to the health of people and to motor vehicles. If you are in an accident, the first thing you should do is to install an emergency sign, call traffic police and an emergency commissioner. In no case should you shift cars.

Before the arrival of specialists, it is not necessary to discuss with its second participant the circumstances of the accident. And the confession of guilt - the case of inspectors of the traffic police (except, of course, absolutely obvious cases). In order not to waste time, participants of road accidents can Fill in the "Notice of an accident" and sign it.

At the end of the work at the scene of the accident, the traffic police officer must issue a certificate, a protocol and a resolution to the perpetrator of the accident. If documents are not issued, be sure to specify when and where your accident will be parsed. If you are the injured party, all these documents will be needed in order for you to calculate the payments for OSAGO.

Actions of the insurance company

After you submit the application to the insurance company, as well as all the necessary documents, you will be assigned the date of the damage inspection by an independent expert. After the car is inspected within 30 days, the insurer must decide on the application. However, often the procedure can be delayed and even Require additional documents.

Even if you are not guilty of an accident, you should be prepared for the fact that the insurer can significantly understate the amount of the MTPL payout. Rosgosstrakh, for example, in 2012 became the leader in refusals to compensate for insurance policies.

Insurer can understate insurance payments under OSAGO in several ways:

- instead of replacing the car spare parts in the evaluation report, the cost of their repair (for example, gluing the bumper) is indicated;

- The evaluation uses a reduction in the cost of spare parts due to their wear and tear.

Many will ask why the insurer does this. The answer is simple - very few people will go to court to defend their interests, which means that the insurance company will save a huge amount of money on compensation.

If you are sure that the insurer significantly underestimates the insurance payments for OSAGO, owed to you, be sure to apply to the court! This can be done not only independently, but also through representatives. Today, companies that represent such a service on the market are quite a lot. It is important to choose one that takes payment for its services only after winning a court.

And at last I will note, at all do not repair the car before you receive insurance payments on OSAGO. Otherwise, in case of underestimation of compensation, you can not prove anything.