Nowadays, car insurance is a ubiquitous and massive procedure, since modern conditions do not allow simply relying on driving skills and response. It is necessary to take into account the various circumstances that are covered by CASCO insurance. In the event of damage, it is necessary to correctly prove your rights in order to compensate the repair in full.
Instructions
Step 1
Check if you have received from the traffic police all the required documents confirming the accident that occurred. There must be a certificate of FTP and a copy of the protocol and a resolution on an administrative offense or a ruling on refusal to initiate proceedings. Certify copies of these documents with a notary. It is not recommended to give originals to an insurance company.
Step 2
Get a copy of the insurance company document that determines the amount of damage according to their expertise. This can be a calculation of the cost of repairs, a decision to settle a loss, an insurance claim or other settlement document. In some cases, the insurance company does not provide these documents, therefore it is necessary to write a written request for its issuance to the name of the head of the enterprise and send it by registered mail with a list of attachments and a receipt acknowledgment. Save all receipts and receipts confirming the submission of this request.
Step 3
Check out the provided documents on compensation for damage under CASCO. If you do not agree with the cost of the repair, then contact a specialized appraisal organization. Enter into a damage assessment agreement. Agree on the time of the inspection of the car involved in an accident. Notify the insurance company three business days in advance of the upcoming appraisal. Receive from the appraisal company an acceptance certificate for the appraisal services rendered and a receipt for payment for services.
Step 4
Gather the entire package of documents related to the accident and the assessment. Write your pre-trial claim in duplicate. One copy is given to the insurance company, and on the second, its employee must put a mark that he received a package of documents.
Step 5
You can also send the collected materials by registered mail with a list of attachments. The claim must specify the time frame within which the insurance company must make a decision on your request. If there is no reaction to your demands, then you can safely file a claim in court.
