Despite the fact that in our country the compulsory insurance of motor third party liability insurance is mandatory, many people misunderstand the essence of this type of insurance. As a result, in the event of an accident, they are genuinely surprised when they find out that they are not entitled to insurance payments under compulsory motor liability insurance .
It’s important to understand that auto insurance is your liability insurance
to third parties. That is,
insurance payments are made only to the affected party. In other words, when registering an insurance policy, you insure other people's property. If you want to insure your car, you should additionally issue a CASCO policy.
Actions in case of accident
As a result of any car accident, damage occurs. It can be applied both to human health and to vehicles. If you have got into an accident, the first thing you should do is install an emergency sign, call the traffic police and the emergency commissioner. In no case should you move cars.
Until the arrival of specialists, it is not worth discussing the circumstances with the second participant in the accident. Yes, and admission of guilt - the inspectors of the traffic police (except, of course, absolutely obvious cases). In order not to waste time in vain, road accident participants can
fill in the “Traffic Accident Notice” and sign it.
At the end of work at the scene of the accident, the traffic police officer must issue a certificate, protocol and a decision on the perpetrator of the accident. If documents have not been issued, be sure to specify when and where the analysis of your accident will take place. If you are an injured party, all these documents will be needed in order for you to calculate the payment of compulsory motor liability insurance.
Insurance Company Actions
After you submit a statement to the insurance company, as well as all the necessary documents, you will be assigned the date of the damage inspection by an independent expert. After examining the car, the insurer must make a decision on the application within 30 days . However, often the procedure can be delayed and even
require the provision of additional documents.
Even if you are not guilty of an accident, you should be prepared for the fact that the insurer can significantly underestimate the amount of insurance payable. Rosgosstrakh, for example, in 2012 became a leader in waivers of compensation for insurance policies.
The insurer can underestimate insurance payments under compulsory motor liability insurance in several ways:
- instead of replacing the spare parts of the car, the cost of their repair (for example, gluing the bumper) is indicated in the evaluation report;
- when evaluating, a reduction in the cost of spare parts is used due to the consideration of their wear and tear.
Many will ask why the insurer does this. The answer is simple - few people go to court to defend their interests, which means that the insurance company will save a huge amount of money on compensation.
If you are sure that the insurer significantly underestimates the insurance premiums due to you, be sure to contact the court! This can be done not only independently, but also through representatives. Today, there are a lot of companies presenting such a service on the market. It is important to choose one that takes a fee for its services only after a victory in court.
And finally, I note that in no case do not repair the car before you receive insurance payments for compulsory motor liability insurance. Otherwise, in case of underestimation of compensation, you can not prove anything.