It seems that by insuring your car, you can feel protected from many problems that occur on the road. However, the insurer is not always ready to meet its obligations and sometimes refuses to indemnify its customers. To avoid such unpleasant situations, the insured must clearly know his rights and in what situations he is entitled to payments. About when insurance payments for accidents are due and in what time frame will be described in this article.
Insured events
From which insurance policy the driver purchased, the payments will depend on the damage caused in the accident. For example, CASCO insurance can pay all expenses for car repairs even if the policyholder is guilty. But there are other policies where insurance is not paid in case of an accident. CTP, for example, compensates the damage from a traffic accident only to the injured party, and the guilty party must repair its own transport.
Today, the insurance market of services is able to offer consumers a company for every taste. You can choose an insurer with a good reputation and extensive experience in this field.
How to act after an accident?
If a traffic accident has occurred, it is first necessary to find out if there are any victims. In the event that the driver and passengers are not injured, you must immediately proceed to the inspection of the car. Visually inspecting the damage, you should fix them on the camera. This is necessary so that the insurance company in the future does not have the opportunity to reduce insurance payments after an accident. The next thing to do is to call the traffic police and your insurer.
Arriving at the scene of the accident, the inspector of the road service will draw up a protocol and clarify the circumstances of the traffic accident, and a company representative will assess the damage caused. If the insurer is reliable and conscientious, then he must independently deal with what happened, leaving the victims to go about their business. In the event that the driver is not sure of his company, it is better to independently calculate what insurance payment will be in case of an accident, so that in the future there will be no contentious issues.
Peer review
Sometimes there is no possibility, time or knowledge in order to find out how much damage was caused after an accident. If the reliability of the insurer also leaves much to be desired, then the most independent will be an independent examination. Usually insurance companies underestimate the cost of damage, as they collaborate with certain experts. These experts initially know that they need to evaluate damage at a knowingly low price. To prevent this from happening and not have to pay extra from your pocket for repairing a vehicle, you must use the services of an independent expert.
In the market today you can find many companies involved in the valuation of property, both movable and immovable. Choosing the right company, you should conduct your own expertise. Let it be a little more expensive, but the payment of insurance during an accident will correspond to the real cost for the repair. In this case, the company in which the car is insured will no longer be able to assess the damage too low.
What can not be done?
Of course, you cannot leave the scene of a traffic accident.Otherwise, in addition to the insurer’s refusal of his obligations on insurance payments, the driver will also face criminal liability. Even if one of the parties is not guilty and is the victim, then she should also remain at the scene of the accident until the arrival of the traffic police.
In some cases, drivers independently agree on the amount of damage caused. If the damage is small, then drivers can solve the problem of future repairs on the spot so as not to spoil their reputation. As a rule, the victim takes a certain amount from the guilty party for which it is necessary to repair the damage, and the parties disperse without calling either the traffic police inspector or their insurance companies. In fact, it’s better not to do this, because an unscrupulous victim may turn the tide not in favor of the guilty driver and the latter will have to answer for his obligations and suffer even greater financial losses.
Thus, it is better not to find out the cost of damage on your own without calling professional staff or to take a written receipt that the injured party has no claims against the guilty.
How to get all payments on the insurance policy?
The payment of insurance for accidents will depend not only on the rating of the company, but also on the care of the driver. For example, before signing any documents from your agent, you must carefully read them. If a certain amount is not clear, do not rush and undergo emotions. By the way, many companies, taking advantage of the emotional state of the victims, make it possible to sign various forms, which can then play into their hands.
So, in order to receive all payments due to the insured party after the accident, all documentary evidence should be attached, including a copy of the protocol, photos from the accident site, as well as the cost of new spare parts at the real price, and not according to the insurer. Only after an adequate assessment (preferably with the help of an independent expert) can the injured driver calmly repair his vehicle. Thus, after the insurance company recognized the case as insurance, it is obliged to pay all the required funds under the contract.
Terms of insurance after accident
According to the new rules, the injured party must submit to its insurer a claim for damages after a traffic accident not later than fifteen days from the time of the accident. The terms for the payment of insurance for road accidents used to vary from fifteen to thirty days, but today this figure is thirty days. Therefore, after the application is considered, an act of damage is drawn up and the amount of payments is calculated, the insurance company will have to transfer it to its client.
If for some reason the insurer is in no hurry to fulfill his obligations, then the insurer after one month has to receive a penalty equal to several percent of the amount of damage.
Insurance Amount Payment Procedure
The procedure for insurance payment in case of an accident can be divided into three stages:
- Submission of an application from the insured about a traffic accident.
- Consideration by the insurer of the application and calculation of the damage caused.
- Payment of the insured amount.
If any item is violated by the payer, the injured party has the right to appeal to the court for the purpose of collecting debt from an unscrupulous insurer.
Useful Tips
The driver should know that in addition to the obligations of the insurance organization, he also has a responsibility. You should not think that, having caused harm to another person or even your car for some reason, he can count on the insurer to pay the damage. In fact, there are cases when payments are not relied upon, namely:
- The traffic accident was not registered with the traffic police.
- The driver intentionally caused damage to the vehicle (participation in races, competitions, etc.).
- The car was damaged as a result of hostilities or natural events.
- The fault of the driver in an accident.
In the event that the driver was in a state of intoxication, he is not supposed to pay insurance in case of an accident. Rosgosstrakh is one of the largest companies in Russia, which has an excellent reputation and is ready to insure the car against many unforeseen circumstances.
