Practical recommendations for the solution of controversial cases, insurance

Insurance policy allows you to get compensation for damage in case of accident and theft of a vehicle. However, if the theory is simple - enough to fix the damage and apply to the insurer, in practice Motorists may encounter unforeseen circumstances. Consider a few examples of fairly disputes. Example number 1: unreasonable expectations After the accident the insurance company conducted the calculations by which damage estimated at a much lower price than you expected. This happens for several reasons, first of all, take into account the wear replacement parts, second, taken as a basis the average market price of spare parts and repair service operating in a particular region. What to do? The first step is to seek independent experts who will conduct a thorough examination. If the expertise to assess the damage in a serious amount, you can go to court. If a positive decision all the costs of the procedure compensates for the insurance company. Obviously, for your protection, you should choose a professional firm that has experience of similar work. Example number two: the policy - the key to confidence You become the owner of a new car, but buy hull insurance policy had not yet. Then you get into an accident, but the culprit is not CTP. This is one of the most common situations today: motorists often do not attach great importance to purchase insurance policy, and in fact it can solve many problems. What to do? If fault motorist is obvious, then the difficulty is minimal. Insuring third party liability, the company takes care of all of reparation, even if the policy is lost. If the relem sat car owner, or do not fit into the policy people, the insurer may apply recourse. This means that the culprit must reimburse the amount it paid for the insurance case. Also among the grounds for recourse following circumstances:     The accident occurred due to the intent,     The driver was drunk or drugged,     The culprit fled the scene,     Insured event took place in the period not covered by the policy (the policy has ended.) Example number three: Waiting for an answer You have filed all the necessary documents to the insurance company, but the solutions have not yet received. The company carries a date, make a determination on your case. Typically, the insurance companies are trying to create the most comfortable conditions for cooperation, allowing quickly resolve disputed cases. However, there are exceptions. What to do? Try to find out the situation first at a particular company: write a complaint to the Director General of the company, specify your requirements and indicate the date of payment. If the answer is still not - feel free to contact the court. According to the Law on CTP for each day you may require payment of a penalty in the amount of 1/75 CBR refinancing rate of the amount of damage. Example number four: the attention to detail Getting help from the traffic police does not contain information on the details that have been damaged, according to the conclusion of the service center. Thus, the insurer is to reimburse the cost of replacing these parts. What to do? There are two options:     When it comes to hidden damage that can not be detected without the use of specialized equipment (eg, stand similarity collapse), damages are recoverable,     If there are any external damage, dents, scratches, cracks, not recorded by the traffic police, it is likely to be denied compensation. This is connected with the fact that there is a risk of misuse of funds received from the insurer before, in earlier accidents. Example number 5: Evroprotokol - pros and cons In the event of an accident victim's vehicle owner assessed the damage, notification of accidents are prepared on the spot, in the absence of traffic police. Subsequently, the insurance company paid the amount of damage, but the service center in detecting hidden damage put well over the amount of compensation. What to do? The settlement of an insurance case without calling the traffic police called Evroprotokola mechanism, it can be applied only if the parties have established accident culprit and agreed to the amount of damage within a 25 000. Thus, the maximum co-payment will be just up to that amount. Simplified design accidents (Evroprotokol) subject to the following conditions:     The accident involved only two vehicles, both drivers are no signs of alcohol or drugs, effects of drugs,     Damage is caused only property     Participants agree with the description of the circumstances of the accident.