Insurance. What Should I Do If The Insurance Company Tightens the Payment Terms?

Have you ever contacted an insurance company for payment of insurance compensation and faced a situation when the insurer in all possible ways tries to delay the payment while feeding promises?

Motor insurance in the Russian Federation - the sphere is quite new. A few years ago, insurance was for a Russian car enthusiast, than something new, incomprehensible.

It so happened in Russia that insurance companies very often delay the payment of insurance compensation. This is due to various circumstances: the insurer has a difficult financial situation; Documents provided by the insured are insufficient to confirm the circumstances of the occurrence of the insured event; Delayed the timing of the evaluation in a third-party organization; The insurance company and the technical service station can not agree on the cost of repairing for a long time, etc. However, what can you do, if the expectation of payment lasts long enough, and you want to carve your private car as soon as possible?

To begin with, you should open CASCO or OSAGO insurance rules and find in them the timeframe during which the insurer must make a payment. If you yourself do not get to understand the insurance rules, you can ask for help from a specialist of the Unified Insurance Center.

With minor delays (1-2 weeks), you can wait. It is possible that the delay is due to a mess in the pay department or bureaucratic delays.

It is worthwhile to take active measures when delaying payment for more than a month. Otherwise, the insurer can continue to feed "promises" indefinitely.

To influence the insurance company, you must write a pre-trial claim to the name of the company's director, in which to describe the details of your application to the insurance company and ask the insurer to explain the reason for delaying the payment period. Also, the claim should be demanded to make a payment and indicate that the insurance company gave the answer in writing.

The pre-trial claim can be brought independently to the insurance company, where in the company's director-in-chief to file a claim through the secretary with a mandatory note on its acceptance. You can also send a pre-trial claim to the insurance company by registered mail with a notice of delivery. A copy of the pre-trial claim can be sent to the FSIS (Federal Insurance Supervision Service) and to the RSA (Russian Union of Motor Insurers), if the delay in payment occurred under OSAGO.

In cases where the insurance company does not respond to the claim or sends a written refusal to your claim, it is worth to go to court, and through the court to seek insurance compensation. In addition to the insurance indemnity, through the court you can recover from the insurance company interest for delay in payment.