Of course, none of us wants to get into an accident and spoil the appearance of our four-wheeled friend or fall prey to car thieves. In such cases, AUTOCASCO insurance comes to the aid of motorists. But it is not always so easy to get insurance payments, even by correctly drawing up an insurance contract and making insurance premiums regularly.
Instructions
Step 1
Before concluding a contract with an insurance company, carefully study it. Indeed, in the event of an insured event, the insurance company may refuse to pay you or repair your vehicle, relying on a cleverly written insurance contract. Therefore, when concluding an insurance contract, find out in advance all incomprehensible points from the insurance agent and familiarize yourself with your rights and obligations before the occurrence of an insured event.
Step 2
In the event of an insured event, act on the basis of an insurance contract and according to a predetermined algorithm. Get all the necessary information about the occurrence of the insurance situation. In the event of a natural disaster, you will need a certificate from the Ministry of Emergency Situations, in case of a traffic accident - from the traffic police, in case of unlawful actions of third parties in relation to your vehicle - from the police.
Step 3
After receiving the necessary certificates, notify your insurance company about the incident. The most convenient way to do this is by phone. Bring the necessary package of documents to the insurance company to compensate for damage in the insured event. Do not repair the vehicle before it has been inspected by an expert from the insurance company. After all, partial or complete restoration of your car can become a reason for refusal to repair it, because there is no way to correctly assess its damage.
Step 4
After agreeing its internal rules with the damage received, the insurance company must, within the time period specified in the insurance indemnity contract for AUTOCASCO, eliminate the damage caused to your car.
