In the event that you are involved in an accident, you are entitled to a fair compensation from the insurance company. How do you get it? Let's take a look at this issue. If you follow the plan below exactly, then you can easily overcome any difficulties in the way of solving this problem.
Instructions
Step 1
First of all, it should be said that the procedure for compensation was developed for a general situation in which: - The culprit of the accident (RTA) can be identified;
- During the accident, only your vehicles were damaged;
- All participants in a road traffic accident have OSAGO policies (that is, they are all insured);
- It is approximately established that the amount of damage received as a result of an accident will be more than 120,000 rubles, that is, this amount in excess of the limit will be reimbursed by the insurance company either by a court decision, or simply in a pre-trial procedure.
Step 2
To receive a payment under OSAGO, you need to receive the following necessary documents from the traffic police: a certificate of an accident, copies of the protocol on the committed administrative offense, as well as a resolution on this case. In addition, you must have a notification of an accident, completed immediately on the spot. the accident that occurred.
Step 3
You should also receive information about the CMTPL policy of the person who is the culprit of the accident: - Contact phone number of his insurance company;
- The number of the insurance policy and the number when it was issued;
- The name of the insurance company in which he is insured.
Step 4
Within 15 days after the accident, you must notify the insurance company of the culprit about the occurrence of your insured event. To do this, you need to: - Inform the insurance company about the accident by phone, and the specialist who received your call must dictate to you the number of the case for the settlement of the damage caused to you;
- Send an accident notification to the insurance company by fax or mail.
Step 5
Further, the culprit's insurance company is obliged to use the services of an independent appraiser to establish the amount of damage caused to you, and then pay this amount.
