With car insurance car need to know a lot of nuances to protect themselves when the insured event of failure to pay the insurance company. The rules of any insurance company has set pitfalls and simple inhabitants difficult to sort out all these details. But nevertheless, it is possible and today we can help you with this. Most often, the insurance company refuses to pay because of improper collection documents. To not be mistaken in this matter you need, when concluding a contract with the insurance company carefully read the rules. For example, for a decision on the recognition of the insured event happened to you must submit the following documents: 1. Insurance policy 2.
Statement about the accident 3. Russian passport 4. Copy of driving license 5. Pass on passing inspection 6. Reference form number 12 7. Help 31 (11) 8. A certified copy of the protocol on administrative violation 9. A certified copy of an administrative offense.
Once you collect all the documents the company, usually within 10 days of taking decision to recognize or not recognize an insured event, and after recognition insured by the insurance company, it must make payment within 15 working days. Typically, insurers have tightened the period of payment unreasonably. What is the reason for going to court. Not everyone wants to sue the insurance company, but how to accelerate the process of payment? You must contact the office of an insurance company with a written a statement, why is not made insurance payments. By law the insurance company to such a request must give a written reply within five working days. Next you have to act depending on the answer insurance company. Next nuance that you might encounter is not full compensation for the risk of “hijacking” or “complete destruction”. Different insurance companies, a different percentage depreciation depreciation. In some companies, it unreasonably overvalued, it is desirable to get acquainted with the size of this percentage to the insurance contract Casco, so you do not arisen not pleasant surprises in the form of not getting 100% of th insurance reimbursement, and to example, only 70%. Usually in the first year of insurance a new car it is 1% per month. If this percentage is above suggest to choose another insurance company. But let’s talk about the pros and comprehensive insurance. As if you did not seem a strange, but for insurance you can get some benefit. For example, when you select the reparation of pricing, you get the insurance money in cash. The size of the insurance indemnity is calculated by average market prices in the city, but you can repair the machine at a cheaper service, and pick up the difference yourself. Do not forget to bring the car after the repair of the insurance company, otherwise the next time will suffer the same element, then the insurer may refuse to pay. In this article we told you only a small fraction of hidden minus and plus.