Nowadays, any driver of the vehicle is not insured against traffic accidents.
If you find yourself in such an unpleasant situation and are an injured party, then you can safely claim
damages.First you need to notify your insurance company or one of the representatives about the accident, it must be done within 15 days. Alert is best done so that you have evidence that you did it. This is necessary so that disputes with the insurance company do not arise. Together with the notice, you must write a special statement, collect all the necessary documents.
Compensation for damage will be carried out only if the insurance company will be provided with damaged property so that it can assess the actual value of the damage. Insurers must organize an examination within 5 days and report the results to the victim.
However, there are not quite bona fide companies that do not fulfill their obligations assigned to them by law. Under such circumstances, the victim may conduct an examination himself. This can also happen if the victim does not agree with the established amount of damage, which was approved by the insurance company.
Compensation for damage to the injured party is regulated by the legislation of the Russian Federation. Fulfillment of all necessary requirements of the law is a guarantee that money will be returned to you.
After the accident, the participants are in a state of shock and not all of them can objectively assess the amount of damage. But after some time, the victim may understand that the compensation paid does not cover all costs. The only way out is to go to court. But even if you were recognized as the injured party, this does not mean that the court will make a decision in your favor. It is best to turn to specialists, otherwise this process can take a lot of time and not bring any income.
Increasingly, drivers are faced with unscrupulous insurers who do not fulfill their obligations and do not make compensation for damage in an accident. They are well versed in insurance laws and expose the situation in such a way as if the injured car owner agrees to the conditions.
Compensation for damage after an accident is calculated as follows: the cost of repair and a certain amount of reimbursement of the commodity cost of transport are summarized.
If the car has been in operation for no more than 5 years, and the damage received is not more than 40%, then the car owner can claim a full refund. Transport is also required to pay the insurance company. Since any insurance agent will underestimate the amount of damage, it is best to turn to an independent expert. An insurance company can pay a sum of money or offer car repairs.
Currently, very often insurance companies do not pay the full amount of damage caused, in which case it is necessary to sue. To the amount spent on repairs, it will be possible to add the cost of treatment and moral damage. For the court to decide in your favor, it is worth hiring an experienced lawyer who will collect all the necessary documents and be able to adequately protect your interests.