Insured accident for compulsory motor TPL insurance. Payments for OSAGO. The procedure for dealing with an accident

In the life of every driver there comes a time when he has to remember about auto insurance. Then some rejoice at their foresight, while others complain about mistakes, as they have to compensate for all costs themselves. This article will explain in detail what the insurance case for OSAGO is, we will discuss all the nuances of its occurrence, processing and receipt of payment.

Definition

The insured event is an event that has damaged the object of the contract. OSAGO insures life, health, property of third parties, that is harm caused by a driver to someone. CASCO compensates for the damage received by the vehicle (TA) of the owner of the policy.

The occurrence of an insured event is an occasion to apply to the company for compensation. But before a person receives a payment, a detailed study of the facts and circumstances of the incident takes place. To exclude cases of fraud, intentional actions or intentions, the company will study all documents in detail.

Algorithm

All insurance rules, as well as the order of the victim's actions are prescribed in the contract. Briefly, the algorithm looks like this:

• Establish an emergency stop sign;
• Call the police;
• Do not shift the machine from its place;
• In case of agreement, sign a certificate of an accident ;
• To call the tow truck;
• To notify the SC in a limited time.

Call the company immediately after an accident is not worth it. Firstly, employees are unlikely to prompt the correct procedure for actions and all the nuances of document processing. Secondly, they will ask about the availability of certificates confirming the occurrence of the insured event. Therefore, it is worth to familiarize yourself with the contract in advance and study the algorithm of actions.

Firstly

If you became a participant in an accident, then at the scene of an accident it is worthwhile to put up emergency signs. If necessary, provide assistance to the victims. Then call the traffic police, calling 002, 112, 911.

During the waiting period, it is not worth discussing any nuances of the accident with the second party. This information can then be used against you. This time is worth spending on fixing the registration numbers of cars, finding out the names of other participants in the accident, their phone numbers, it is desirable to get the witnesses' data, if any. During this time, it is also worth making a statement. The insured event must be described in accordance with the requirements specified in the contract.

The victim is recommended to find out the contact details of the culprit of the accident, the name of the insurance company, the number of his policy. If there are a lot of participants in the accident (more than two cars), and it is difficult to clearly determine who is to blame for what happened, it is worthwhile to question all parties and collectively draw up a notification that an insurance accident has occurred under OSAGO. It is attached to the policy.

If the second driver does not agree with the above facts or simply does not want to sign the document, you do not have to worry. The UK does not have the right to refuse payment only because of a lack of application.

Important points

Before the arrival of traffic police at the scene of an accident, much can change. Therefore, if you have a camera or camcorder with you, you should immediately take pictures of the scene (from four sides) and the victims, if any. It is best to take a few photos from different angles and distances.

On the scene of an accident, nothing can be changed. But if there is a traffic jam, and the victims are forced to release the carriageway before the arrival of police officers, it is preliminary to draw up a scheme of the accident in the presence of witnesses to fix the position of the vehicle and prepare a statement. The insured event must be executed according to the rules specified in the contract. If there are items that are relevant to the scene (for example, glass fragments), then all measures should be taken to preserve them and limit the detour.

If the insurance rules provide for informing the company about the occurrence of an accident by phone call, do not hesitate to find out the name of the employee who accepted the call. If in the future his words provoke you to violate the order of registration of documents, then he will be referred to whom. Owners of CASCO policies are required to inform the SC independently.

Registration of the insurance case for OSAGO

Inspector of the State Traffic Safety Inspectorate upon arrival is obliged to take away from all participants of the accident certificates of registration of vehicles, driving licenses and policies. On the basis of information from all parties, an accident scheme is drawn up , detailing all the circumstances of the accident. In the certificate it is necessary to enter personal data of witnesses, if any, and passengers. If the information is stated correctly, then the paper can be signed. If a person believes that the documents on the insurance case of OSAGO are drawn up incorrectly, then it is also worth noting in the notice. In this case, you must indicate "Do not agree" and sign.

The injured inspector is obliged to issue a copy of the protocol on the offense, a certificate, the scheme of the accident (the plan of the terrain and the location of the car, the speed of movement, the length of the braking distance, the description of the collision site), the data on the inspection of the vehicle and the explanation of all participants and witnesses. In these papers, the full name and position of the inspector must be clearly indicated. If the documents can not be issued at once, then it is necessary to specify the exact time for consideration of the case and to appear at the specified place and within the specified time.

If an accident caused serious damage to the health of the victim, then an act of medical examination must be attached to the documents. The procedure is carried out at the scene of the accident or in a medical institution in the presence of two witnesses. Here is how to fix a specific insurance case of OSAGO - road accident.

Nuances

After an accident, you should carefully check the damage caused to the car. Then the traffic police officer should clearly describe them, and also include in the act the phrase "Possible hidden defects". Otherwise, the UK will not pay for the repair costs of damages that were not previously described.

Also, you should check the correctness of filling out the protocols and references, the accuracy of the specified data on the place and time of the accident, information about the participants and the vehicle. All corrections must be certified with a seal, a signature and the phrase "corrected to believe." The document must be written in one hand.

Evacuate the car can be after documenting the accident with the permission of the inspector.

Other options

If the vehicle has suffered as a result of a natural disaster, such as a hurricane or a fall of a billboard, you should contact the local office of the Roshydrometeorological Center for a certificate of the accident. If the machine is damaged as a result of fire, the relevant document can be obtained from the fire department.

The owners of CASCO policies to receive compensation for damage caused by third parties must write an application to the territorial police station and take a certificate confirming the theft of the details. Similarly, it is worth to act in case of theft of the vehicle.

If there has come an insurance case of OSAGO (road accident), and the culprit was receiving a policy in another city, you need to contact the local branch of the company. Payment of compensation should be carried out in a place convenient for the victim (city).

Here is how the insurance case for OSAGO takes place.

What can not be done

• Move the car or belong to the place DPT items before the arrival of a traffic police officer without very good reasons.
• Succumb to the threats of the participants and pay the damage to the other side before the arrival of the police.
• To panic.

Notification SC

The terms in which the client is obliged to state the incident are specified in the contract. For OSAGO, they are 15 days from the time of the accident, for CASCO - 3 working days in all cases, except for theft. In the latter version, the person remains only 24 hours. Then you need to come to the UK branch and provide a full package of documents. His list is also in the contract. A person has 15 days to collect papers. Although very often the time is not regulated.

If the victim has not received any documents from the scene of the accident, the UK can make a corresponding request. The client will need to provide a passport, the original policy, copies of receipts, a certificate of auto registration, driver's license, the original of the "Notice", the bank details of the injured party, a statement in duplicate for payment of insurance claims. The papers must be stamped, dated and numbered.

Employees of the company must conduct an expert examination. If the damage is very serious, then the expert should leave the scene of the accident. Depending on the results of the evaluation, the amount to be paid is assigned. Since the filing of documents from the UK there are 20 days for making a decision.

Examination procedure

Often there is a situation where a person does not agree with the assessment and the amount of payment. To solve the problem, it is necessary to conduct an independent examination with the participation of appraisers who have a license to carry out this operation, and representatives of the UK. The invitation to employees of the company should be sent by registered mail not later than three days prior to the date of inspection. If the preliminary amount of damage is more than 120 thousand rubles, it is also necessary to invite the culprit for an accident to the examination. Such actions in the case of an insurance case of OSAGO will help in the future the injured party to receive compensation through the court. Representatives of the UK often ignore independent investigations. But here the fact of written confirmation of sent notifications is important. If the UK refused to pay compensation or did not respond at all within 30 days after receiving the documents, you should apply to the court.

How to apply for an insurance case for MTPL without a certificate?

Recently there was a practice of registering an accident on the "Europrotocol" without the participation of traffic police officers. In order to arrange an accident on this principle, it is necessary to use special forms developed by the SC. They are accepted within 5 days of the accident.

Terms of registration: all participants must be insured, disagreements about damages and schemes of accidents should not be. Only then will drivers be able to issue documents on a simplified system. "Notice of an accident" must be written by all participants and transferred to the UK. In this case, the victim can not present additional claims to the insurer, but the company has the right to conduct an expert examination to clarify the conditions of the accident.

"Rosgosstrakh" insurance: features of OSAGO

• The maximum amount of material compensation is 400 thousand rubles.
• Limit payments for insurance cases issued by the "European Protocol" - 50 thousand rubles, if both parties to the accident received the policy after 01.08.2014. In other cases - 25 thousand rubles.
• The maximum amount of compensation for the "European Protocol", issued when an accident in Moscow, St. Petersburg and the relevant areas that were recorded by technical means of control - 400 thousand rubles.
• Insurance "Rosgosstrakh" is paid in cash or by issuing directions for repairs. In the second case, the wear of the parts to be replaced is taken into account. The car can only be serviced by those service stations with which the UK has a contract for repair work.
• The term for settling the issues is 20 working days.

Changes in legislation for 2015

Last year, the State Duma adopted amendments to the law, increasing the limit on payments for property damage and changing the threshold of depreciation. If there has come an insurance case on OSAGO, the car owner can now independently choose a way of reception of indemnification (cash or a direction on repair). Reimburse the funds will be only the victim's SC, regardless of the company in which the culprit of the road accident is served. The State Duma believes that redirecting to the local branch of the insurer of another participant in an accident only delayed the process of obtaining compensation. Previously, in such cases, a fine of 0.1% of the refund amount for each day of delay was provided. With new amendments to the law, the size of this commission has been increased to 1%.

Penalties are also envisaged in case of the refusal of the employees of the UK to sell the MTPL policy to interested persons. Their size is 50 thousand rubles. Alternatively, additional services may be imposed on the same amount.

The maximum payments for the policies of Rosgosstrakh OSAGO have also changed. The insured event that occurred on the territory of Moscow, St. Petersburg and the Leningrad region is estimated at 400 thousand rubles. In this case, participants in the road accident will have to provide data from the video detectors of both cars. For other regions, the limit is limited to 50 thousand rubles.

The amendments also provide for the introduction of a tariff corridor so that companies can reduce prices for policies. But how much this will affect the cost of "avtograzhdanki" is still unknown. According to preliminary estimates of the Russian Union of Auto Insurers (SAR), the tariff may increase in price by 24.2%. Since 2016, it will be adjusted by the Central Bank.

The time for pre-trial settlement of disputes has been reduced to 25 days. For the first 20 it is necessary to conduct an examination and decide on the payment. On the settlement itself there are still 5 days. This time is not enough to fully process each insurance event. The risk is that the autorists may be activated, which offer customers to pay compensation in cash in exchange for the assignment of the right of claim. Then such specialists alienate from the UK the amount that is several times larger than the amount of damage. Here, the company suffers losses, and the client does not receive the full amount of reimbursement. Vicious circle.

Specialist comments

According to the staff of the RSA, there is another problem. For compensation, clients do not turn to a company, but to a court.

Example

The person acquired the policy of Rosgosstrakh OSAGO. The insured accident occurred as a result of an accident. The client, without calling the employees of the UK, addresses a private appraiser for the purpose of conducting the examination. But how many people, so many opinions. One expert believes that to restore the car will require 1 thousand rubles., And the second will call the amount of 10 thousand rubles. With the resulting conclusion, the client applies immediately to the court. According to statistics, every 4th insurer operates according to this scheme. This is not a normal situation.

In the rules or the contract there is a reminder to clients, which could be entitled as "An insurance event has come. What should I do? "It clearly describes the algorithm of action. First of all you need to notify the traffic police. According to statistics, 8-9% of cases are recorded by the "Europrotocol". The increase in the payment limits will only encourage the participants in the road accident to register accidents without DPS employees. In theory, such a measure should significantly reduce congestion on the roads. Drivers do not have to wait for several hours police officers. But in practice the victim will not be able to present additional requirements to the UK. The paper is only called "Europrotocol", but it is made out with Russian overtones.

As for compensation for damage in the form of auto repair, the situation here is also ambiguous. SRT, with which the UK has a contract, may be located 100 km from the victim. The driver still has to pay extra for new parts. By the way, with the new amendments to the law, the maximum wear of spare parts is reduced from 80 to 50%. And in the case of substandard repairs deal with STO will have to independently, although the contract concluded with the UK.

Features of wear

The amount of damage is determined by summing up the values of the parts that are to be replaced or repaired, taking into account the wear. This is a relative indicator. It characterizes the degree of use of units and aggregates of the machine during its operation. It is expressed in monetary units. The more years the car, the less the cost of parts. It is this interpretation that causes a lot of disputes between the victims and the UK.

For each type of parts, there are rules for calculating wear. This parameter is only calculated for nodes that are completely replaced. If the part can be restored, the insurer must pay for the entire repair. Costs for the purchase of paint and car workshop services should also be compensated in full. The same applies to safety equipment (cushions, belts), without which the use of auto is prohibited. Costing must occur at the date of the accident, and not when the examination is carried out.

Conclusion

Motor third party liability insurance is mandatory for all drivers. But such policies are usually drawn up for the period of inspection, where the key factor is the price. If the driver has a long trouble-free driving experience, then there should be no problems. But the probability of an insurance event always exists. Therefore, it is worthwhile to familiarize yourself in advance with the rules of drawing up documents and the algorithm of actions in the event of an accident.