Insurance compensation is the brainchild of modern megacities. After all, nowhere does such a number of accidents occur as in a city of many millions. Insurance is a profitable business, but unpleasant. But if you have already found yourself in a situation in which you are applying for the payment of insurance money, then it will be useful for you to know how this money can be obtained.
Instructions
Step 1
The very first thing you need to do is write a statement. This must be done within thirty days, but different companies may have different terms, so it will be better if you take on this business right away.
Step 2
After writing an application to the insurance company on the fact of the incident, remember the registration number of your application. In case of delay or loss of the document, this will help you.
Step 3
If you are far away, contact a company representative and listen to his recommendations. Remember the name of the person you spoke to, the date and time of the consultation.
Step 4
It should be noted that all documents that will testify to your incident must be attached to the application. It is important here to submit to the company all the papers that will be required of you in the near future. The list of documents depends on what your insured event is.
Step 5
If it is insurance for sickness, injury, or a fatal illness, then you must submit the original sick leave or a certificate from a medical institution, or an extract from a medical record.
Step 6
If we are talking about an accident, which is most common in insurance practice, then you need to collect a much larger number of documents.
First, immediately after the accident, call the traffic police. After the incident, you will need to take a copy of the administrative violation protocol against you, a drunkenness certificate, and a driver's license. There are times when insurance companies offer to repair your car instead of monetary compensation, or send it to a dealership.
Step 7
A separate story with cases in which an icicle or tree falls on a car. If this is due to natural disasters, in order to submit the documents, you need to obtain a certificate from the Roshydrometeocenter about the atmospheric phenomenon that occurred and the consequences at the place of the insured event.
Step 8
Life insurance happens not only in the event of a fatal accident, but also in the event that damage has been caused to health, or in the case of the conclusion of an accumulation contract with the payment of insurance money upon reaching a certain age.
Step 9
For the payment of insurance compensation, a period of 5 to 15 days is required. There may be a delay if insurance agents have doubts about the accuracy of the documents, or if a criminal case is initiated and an investigation is underway. After passing all the reviews by the commission, the decision is communicated to the client by phone or by mail. Money can be received both in a bank account and in cash, each organization decides in its own way.
Step 10
If you were not paid compensation or paid, but in a smaller amount than was agreed at the beginning, then you can make a pre-trial claim, and then file a claim in court.
Step 11
In order not to face the fact that you will waste money on the investigation of the case, it is advisable to consult with a specialist if you need further consideration.
