As practice shows, the relationship between the insurance company and the client is as follows: the company pays the client compensation for damage. The less the insurance company pays to the client, the greater its profit. Many firms are interested in minimum payouts. However, there is a surefire way to get full insurance compensation - this is the competent preparation of a pre-trial claim to the insurance company for the payment of insurance compensation.
In which case is a pretrial claim
CASCO insurance company is beneficial to conclude, but making payments is very unprofitable. Therefore, the need to write a claim occurs when an insured event occurs. An insurance claim is a document in which the policyholder documents the essence of the problem that arose as a result of the insurance event.
What should be indicated in the claim
As a rule, any claim must contain the details of the recipient and its sender. It is more correct to write a claim addressed to the head of the insurance company. The sender is required to indicate the name, exact address of residence and contact phone number for communication. In addition to personal data, you must provide information about the insurance event. It is necessary to indicate in detail the make and model of the vehicle that got into the road traffic police, the state registration number, the number of victims, the number of the current OSAGO policy, the numbers of certificates, protocols and other documents. It is necessary to indicate the essence of the claim to the insurance company. You also need to list customer requirements. It will be good if the claim to the insurance company uses references to applicable laws and insurance rules. The claim is completed by the insured's signature and date.
How to file a claim
Often, before filing a claim, a client interviews with a representative of the insurance company. An insurance specialist tries to exploit the client’s legal illiteracy and persuade him not to go to court. As an argument, various points from the rules can be given. It must be remembered that an oral statement does not bear any responsibility. Therefore, it is not worth it to make excuses, you must file a claim and wait for an official response. To draw up a claim to the insurance company, they can offer their own form, but if it does not fit, you can refuse and write on any blank sheet of paper. Before leaving a claim, make sure that you have a certified copy in your hands.
If it is not possible to personally file a claim with the insurance company, you can send a courier with a notification. In this case, you can write a claim at home yourself, indicating in it all the necessary data and circumstances. If at home you doubt the correctness of filling out the document, you can find samples of claims to insurance companies on special sites.
All necessary documents on the insurance event must be stored until the completion of the court case and decision. Remember that any claims to the insurance company are best kept for several years.