Any driver of our country knows that in order to drive a vehicle it is necessary to apply for a policy. With each passing year, the relationship between motorists and the UK is increasingly aggravated. There are cases when insurers, contrary to the law, refuse to fulfill their obligations upon the occurrence of an insured event. Most people, faced with such, threaten to sue the unconscious organization. Undoubtedly, this will help solve the problem, but the trial may drag on for many months. Therefore, you should first use some other faster, but no less effective methods. Let's figure out where to complain about the insurance company if it violated your legal rights. All the methods that will be described later are tested by drivers and work well, so you can safely use them.
First steps
Before figuring out where to complain about the work of insurance companies, let's figure out what to do first if they refuse to make payments. If an employee of the Insurance Company behaved rudely and did not want to deal with your case, then the first thing to do is to send a request for a written response to your insurance company. She is obliged to answer him and explain, on the basis of which you were denied compensation. In most cases, this helps to solve the problem and peacefully resolve the conflict situation, and if there are no changes, then a written response will be a weighty basis for further proceedings in higher instances.
Central Bank of the Russian Federation
Let's dwell on this in more detail. So, you submitted a request, but there was no answer what to do next and where to complain about the insurance company? The answer is quite obvious - the Central Bank of the Russian Federation. This government agency not only grants licenses to absolutely all financial and insurance organizations in our country, but also regulates their activities, sets tariffs for motor citizens and solves many other issues. You need to file a complaint with a detailed description of the nature of the problem. It must be reviewed within 30 business days. If the fact of violation is really established, then the Central Bank can force the IC to fulfill its obligations to the client.
How does it help policyholders?
So, you already know where to complain about the non-payment insurance company. But now, probably, everyone will have a question about how the Central Bank can help. With a clear violation of the rights of the insurer, he can do the following:
- force the IC to pay;
- imposition of a fine;
- appoint interim leadership;
- suspend or completely revoke the license.
Insurance companies know what awaits them for any violations, so they try to immediately respond to a customer’s complaint and do everything possible to make him satisfied.
Federal Antimonopoly Service
Let's dwell on this aspect in more detail. Where to complain about the insurance company for CTP? Another option is FAS. The responsibilities of this authority also include monitoring the activities of the UK. She has all the levers of influence on insurers, as well as the authority to punish the perpetrators.
FAS can be contacted not only in case of refusal to pay monetary compensation. For example, if you are forcibly forced to buy additional services, which is a gross violation of the law, then you can file complaints with this institution and it will impose fines on the offender, the amount of which is very impressive.In this case, the size of the penalty depends on the severity of the offense. The largest fine is imposed on the imposition of diagnostic cards and life insurance services.
Having an idea of where to complain about the insurance company, you can solve almost any problem. Undoubtedly, the organization may disagree with the penalties imposed by the FAS and try to appeal them through a court, however, as practice shows, this does not lead to anything. Therefore, insurers have a huge incentive to work honestly with their customers and provide quality service. After all, no one wants to pay hundreds of thousands of rubles, much less lose their licenses.
Thus, the Federal Antimonopoly Service is a reliable assistant in solving any problems that arise when concluding or prolonging an agreement with an insurance company. In addition, you can also contact here in the event that, when buying a new car, a car dealership forces you to buy compulsory motor liability insurance from a specific insurance company. However, even if you know where to complain about the Rosgosstrakh insurance company or any other, a good reason is needed for your complaint to be considered. As a proof of your innocence, you can use the written response of the UK to your request for clarification of the reason for the refusal of damages. Therefore, before going to any authority, it is recommended that you first contact your insurer.
PCA
So what do you need to know about this? This organization is a professional participant in the Russian insurance market. Its main task is to monitor the work of the UK and their compliance with applicable law. Therefore, if you encounter any problems and don’t know where to complain about the insurance company for comprehensive insurance or any other product, then contact PCA. This organization has great authority and can influence insurers, but there is one important nuance here. You can receive monetary compensation only if your IC was deprived of a license for any reason. Nevertheless, this is quite substantial assistance to owners of vehicles in an accident, the culprit of which is another person. In addition, it is necessary to take into account the fact that the directors of this organization include directors of the largest domestic insurance companies. Therefore, it is possible that the consideration of your complaint will be handled by the person to whom it was filed.
BCC
So what do you need to know about this? The All-Russian Union of Insurers is another organization where to complain about the insurance company for OMS. However, things are similar in this case, as is the case with PCA. Therefore, by submitting a written request to deal with the problem, one cannot be sure that it will be examined objectively and honestly. Undoubtedly, the complaint will be registered and accepted to the proceedings, but the unscrupulous IC may not be properly affected. As practice shows, and the reviews of many citizens fully confirm this, it is much more effective to contact the state authority than to unite interested parties.
Can anyone count on help?
This aspect should be given special attention. Every person who encounters certain problems is interested in the question of where to complain about the insurance company for VHI or motor citizens. Above we examined all instances that can help in resolving a conflict situation arising between the insured and the insurer. But how does everything turn out in practice, and can really infringed citizens really count on help?
As a rule, state organizations and private associations really help in resolving issues, but only informational support is provided. However, it is of great benefit.For example, on their websites you can familiarize yourself with the basic laws of the insurance industry, as well as find other equally useful information. Here is a special calculator, with which you can find out the exact cost of the policy, so that the driver will not be deceived when buying it. There is also a guide with prices for auto parts needed to repair a vehicle in an accident. However, if you are trying to forcefully sell additional services, then PCA and BCC will not help you.
Rospotrebnadzor
Can this government agency help resolve a dispute between the insured and the UK? To some extent, yes, because the policy is a kind of product, and its owner is a consumer. In practice, there are many cases where Rospotrebnadzor really took the side of the consumer of insurance services and provided all kinds of support. This is especially true when insurers try to force a person against his will to buy additional services.
The Ministry of Finance, in turn, recommends that the first thing to send a complaint to the Central Bank of the Russian Federation, since it has more powers and levers of influence, but Rospotrebnadzor can also be the authority that will help in solving the problem.
What if nothing helps?
So, we have answered in detail the question of where to complain about the insurance company. But it happens that a person could not get help anywhere. How to be in this case? The most effective option is to contact the prosecutor. This state body is obliged to respond to all complaints of citizens and in the event of a real violation of their rights to institute criminal proceedings. However, you will have to provide strong evidence. If you do not have one, then no one will deal with your problem.
Conclusion
This article was about all the organizations that regulate the activities of insurance companies in Russia. As you can see, there are a lot of them, so you will certainly be able to get help if SK suddenly refuses to compensate you or tries to sell related services to the main policy. But if a problem arises, first try to resolve it peacefully with your insurance company. They do not want to pay huge fines or lose their license, so they often make concessions to customers in order to resolve the conflict on the spot, without involving any authorities.