Car insurance is a common and inevitable practice for vehicle owners. But often when a problem such as the loss of the previous commodity value of a car arises, there are some difficulties when trying to get compensation. In order to competently act in a similar situation, it is worth considering this topic in more detail.
Loss of market value
Perhaps some car owners are concerned about the question of whether it makes sense to start the process of obtaining compensation in connection with the loss of the car's commodity value. In this case, it is worth paying attention to the fact that the CTP insurance policy allows you to take this opportunity.
At the same time, the market value of a particular model is used as the basis by which the TCB auto is determined. A simple conclusion follows from this: the more expensive the car, the more tangible the compensation will be. Therefore, it’s worth fighting for it, especially if the car is not cheap.
As for the definition of TCB, this includes a decrease in performance and damage to the appearance. This also includes a decrease in the strength and durability of technical units after the repair and a noticeable deterioration in the condition of the paintwork.
Loss of commodity value of CTP includes all of the above factors, which give reason to expect compensation. But it is worth considering the presence of certain conditions that determine the possibility of its issuance.
Who can count on TCB compensation
Despite the fact that the loss of the commodity value of the car is included in the list of reasons why the vehicle owner can count on financial compensation, the insurance company pays out only on the following conditions:
- The accident in which the car was damaged was not due to the fault of the owner of the insured vehicle. If there is no fault of the driver, then there is every reason to count on full compensation for TCB. If you take the insurance amount for compulsory motor liability insurance, then you should focus on 400 thousand rubles or less (depending on the nature of the damage). In the event that a partial fault was established in the accident of a client of an insurance company, compensation can be expected, but it will already be partial.
- It is important to pay attention to the fact that compensation in the framework of one accident cannot be higher than the mark of 400 thousand rubles. Therefore, if, say, 300 thousand rubles were spent on repairs, then the loss of the commodity value will be compensated in the amount of 100 thousand, even if the recorded damage is much higher.
- For full compensation of TCB, the car must be operated no more than a certain period. In the case of foreign cars, this is 5 years; for domestic cars, this period is limited to 4 years.
- Continuing the topic of road accidents, it is worth noting that the compensation for losses incurred in the latest accident does not provide for compensation for the TCB resulting from a previous emergency.
How to get money on TCB
The loss of commodity value can be compensated in cash, but for this it is necessary to perform some actions. Initially, it is worthwhile to prepare for the fact that you will have to show some persistence, since the insurance company, as you know, does not crave to part with money.
The algorithm for obtaining compensation is as follows:
- First of all, you need to assess your situation based on the information above.
- The next step should be to contact a specialized organization that is able to provide an expert assessment of the TCB.Such experts issue a conclusion stating the amount of compensation, which implies the loss of the commodity value of the car in a particular case.
- The final step should be to file a lawsuit in order to recover the commodity value of the vehicle.
Using the capabilities of the court makes the fact of compensation virtually guaranteed, since TCB is legally equivalent to real damage.
Casco loss of commodity value
With this type of insurance, the conditions for compensation after damage to the car, as a result of which its cost is significantly reduced, are actually the same as in the case of compulsory motor liability insurance. The only difference is the life of the vehicle. For a domestic car, it is 3 years, while owners of foreign cars can count on a limitation of 5 years.
At the same time, using comprehensive insurance, you should carefully read the contract before signing it. The bottom line is that an insurance company often designates accidents as a reason for paying compensation. But in the event that damage to the car was caused by unknown persons, say, in the yard, TCB will not be compensated. If such an agreement was signed, then the refusal of Casco representatives to pay is interpreted as legitimate.
In this case, the calculation of the loss of the commodity value of the machine can be done independently using the online calculator. But in the end, you will still need to turn to specialists who can give an expert assessment of the degree of TCB.
When the actions of a Casco insurance officer can be considered illegal
Often in a comprehensive insurance contract, loss of inventory value is defined as a separate risk category. In the event that such a clause is in the contract, the car owner has every reason to demand compensation from the insurance company for the damage received. In some cases, representatives of the UK can rely on the fact that clients have not carefully studied the document, and, as a result, are trying to avoid payments.
But even in the absence of such a clause in the contract, a company’s refusal to compensate for TCB cannot be considered legal. To influence the situation, it is necessary to refer to Russian law, according to which employees of the insurance company are obliged to ensure property interests, if there have been insurance cases.
This means that the client is entitled to reimburse for any type of loss according to the property insurance contract. A car in this situation is no exception if the damage falls within the scope of the insured event. In other words, compensation can be obtained not only in the event of an accident, but also in case of loss of the commodity value as such, arising from any damage.
Conclusion
If you arm yourself with the letter of the law and thoroughly approach the issue of assessing the condition of the car, you can get compensation, and in full. The main thing is not to forget about the expert assessment and, if necessary, to decisively use the resources of the judicial system.