Accident insurance programs guarantee payment of compensation to injured persons upon the occurrence of an insured event specified in the contract - usually these include injuries, the development of occupational diseases, etc. In order to receive insurance payment in full, you must carefully draw up an application and collect a complete package of documents.

How much can an insured expect in the event of an accident under a voluntary insurance contract? How to receive compensation and challenge the insurer’s unmotivated refusal? We will try to give answers to these and other questions in this article.

How much can the policyholder claim?

The insurance compensation that is paid to the policyholder is specified in the voluntary accident insurance contract (hereinafter referred to as NA). The size of the maximum insurance payment will depend on the tariffs set by the company, as well as the amount specified in the agreement between the insurer and the policyholder. However, it must be taken into account that this amount is not paid in full, but as a percentage - depending on the damage caused to health.

The amount of payments that policyholders can claim under a voluntary insurance contract depends specifically on the accident and is usually considered on an individual basis. The table below shows the approximate values ​​of the amount of payments that the policyholder may receive upon the occurrence of a disaster.

Name of the insured event	Volume of payments, %	Examples
Getting injured	up to 25%	Fractures, burns, dislocations, sprains
Temporary disability	up to 50%	Staying under treatment, undergoing a rehabilitation program
Complete loss of ability to work	up to 75%	Assignment of 1 or 2 disability groups
Death of the insurer	100%

How to apply for payments?

The first step in obtaining insurance compensation in the event of an accident is contacting a medical institution to receive emergency medical care and documents confirming deterioration in health.

To receive payment under a voluntary insurance contract from the National Insurance Company, you will need to contact the insurance company that issued the policy in a timely manner. The period for notifying the insurer is fixed in the contract, but in practice it is usually limited to 25-30 days from the date of the accident.

When making an application, it is important to indicate:

• name of the insurance organization, full name of the applicant, residential address, contact information;
• name of the document – ​​“Application for insurance payment”;
• main text – a statement of the accident that occurred (date, time, event);
• notification of the right to receive insurance payment;
• a list of attached documents;
• applicant's signature, date.

Some insurance companies establish sample statements - in this case, you must be guided directly by the requirements of the insurer.

Collection and submission of documents to obtain insurance

A package of documents for receiving payment as a result of an accident is formed depending on the situation that occurred. The standard list includes:

• original insurance policy;
• a statement drawn up according to the sample;
• a document serving as the basis for payment of the insurance amount (for example, an examination decision on loss of ability to work, a death certificate, a certificate of incapacity for work, etc.);
• a copy of the applicant's passport.

Note! When considering the case, the insurance company may request additional documents (for example, to establish the individual circumstances of the accident).

For example, upon the death of the policyholder, the following set of papers is submitted to the company:

• insurance policy (original);
• application for payment of the insurance amount;
• death certificate of a citizen;
• passport of the applicant.

The next stage of action after drawing up an application and collecting a package of documents is submitting the collected documents to a representative of the insurance company. A company employee must assign a registration number to the case, the use of which will allow tracking the results of the review.

Terms of payment of compensation

Payment of insurance amounts under insurance contracts against accidents is carried out within the time limits specified in the insurance contract. In practice, this period does not exceed 30 days from the date of the decision to make payments. The exception is situations related to the initiation of criminal proceedings and the emergence of doubts about the authenticity of the documents provided.

Reasons for refusal to pay insurance

The grounds for refusal to pay insurance compensation in the event of an accident are conventionally divided into 2 groups - legal and illegal. The table below shows their comparative characteristics:

Legal grounds	Illegal grounds
Inconsistency of the insured event that occurred with the policyholder with the situations specified in the contract	Missing the deadlines specified in the contract if the insurer has a valid reason (for example, serious illness, stay abroad, etc.)
Deliberate distortion of the information provided (for example, forgery of documents or provision of false papers)	Providing an incomplete package of documents (in this case, it is not reviewed; the employee must report an error at the stage of receiving them)
Violation of certain provisions of the contract (for example, the contract may stipulate that work-related injuries sustained during overtime work are not subject to compensation)	Incorrect preparation of an application for payment of the insurance amount (the application must be checked by a representative of the insurance company along with the documents before they are accepted)

Finally

So, in order to obtain insurance in the event of an accident, you will need to draw up an application, collect the established list of documents and submit it for consideration. It should be remembered that each situation is assessed individually by the insurer, after which a decision is made to transfer the insured amount or refuse to pay compensation. A refusal that is illegal in the opinion of the policyholder can be appealed in court at any time.

How to receive payment under compulsory motor liability insurance after insurance reform is very important for car owners. In the article below, we will look at who can receive money and who can only receive repairs; what are the maximum amounts payable under compulsory motor liability insurance; where and with what documents to apply to receive insurance compensation.

Persons entitled to compensation under compulsory motor liability insurance

The purpose of insurance compensation under compulsory motor liability insurance is to compensate for damage caused to the life, health and property of persons who have suffered from the use of transport by other people. Such persons are called victims.

The victim can be a driver, passenger or pedestrian. Moreover, in the case of drivers, only an innocent person can receive payment. An exception is when there is mutual fault in an accident, when each driver is also a victim, and therefore has the right to compensation under compulsory motor liability insurance.

IMPORTANT! A person using a car on the basis of a rental agreement or power of attorney does not have the right to independently receive insurance compensation (in his own favor) for damage caused to a car.

Let us consider, as an example, several typical situations and the possibility of obtaining compensation under different conditions:

1. If the culprit of the accident does not have a compulsory motor liability insurance policy, but the victim does, the question of how to receive payments under compulsory motor liability insurance is immediately removed. The culprit must compensate for the damage - voluntarily or on the basis of a court decision.
2. If the culprit is not included in the MTPL policy and the insurance is limited, the victim has the right to compensation, but the amount of compensation will be subsequently collected by the insurance company from the culprit.
3. If the culprit has an MTPL policy, but the victim does not have it for any reason (the car has just been purchased, the insurance period has expired, etc.), the victim has the right to receive compensation.

Available forms of insurance compensation

Damage to life and health, as well as to property other than transport, is compensated only by money. To compensate for damage caused to cars, the legislation on compulsory motor liability insurance provides for 2 forms of insurance compensation (clause 15, article 12 of the law “On compulsory motor liability insurance” dated April 25, 2002 No. 40-FZ):

1. Cash payment.
2. Vehicle repair.

As a general rule, the owner of a car can choose what he wants to receive. This applies to all car owners, except individuals - owners of passenger vehicles. This category of citizens can only apply for car repairs, unless the specific situation falls under some exception made by law.

IMPORTANT! For cars insured before 04/28/2017, the same rules apply until the end of the insurance period, i.e. their owners have the right to money in any case.

How to receive payment under compulsory motor liability insurance after an accident instead of repairs

Before contacting an insurance company, citizens who own cars need to understand what they can claim (money or repairs), since the form of compensation must be immediately indicated in the application.

Repairs to such car owners will always be assigned, except for situations where (clause 16.1, article 12 of law No. 40-FZ):

1. At least one mandatory repair requirement cannot be met by the insurance service. There are 3 of them:
   • cars older than 2 years are repaired only by official dealers;
   • the repair period should not exceed 30 working days;
   • The car service center cannot be located more than 50 km from the place of the accident or the owner’s residence (it is not taken into account when transporting the car to the place of repair by the insurer).

   In the absence of these conditions, with the consent of the car owner, repairs may be prescribed; in case of disagreement, only payment is possible (paragraph 2, clause 3.1, article 15 of Law No. 40-FZ).

2. Several drivers are at fault for the accident, and the person applying for compensation does not agree to additional payment for repairs at the insurer’s service.
3. Repair is not possible (the car cannot be restored).
4. Repair is possible, but the cost of it will exceed the limit of payments under compulsory motor liability insurance, and the victim does not agree to additional payment.
5. The victim died.
6. The victim suffered health damage (serious or moderate) in an accident.
7. The victim has a disability, and for medical reasons he needs a car.
8. When concluding the OSAGO contract, a specific repair service was agreed upon, but at the moment the car cannot be repaired there.
9. The insurer and the victim entered into an agreement to pay.
10. The Bank of Russia revoked the insurance company's right to refer victims for repairs due to its violation of its obligations to ensure such repairs.

This is an exhaustive list of cases where repairs can or should be replaced by payment. If your situation is not described in the list, you can only count on repairs.

Limits of insurance payments

For every accident in which damage was caused using an insured car, the insurance company is obliged to pay each victim (Article 7 of Law No. 40-FZ):

• up to 400,000 rub. for damaged property;
• up to 500,000 rub. for harm to life and health.

IMPORTANT! When registering an accident under the European protocol, the maximum payment limit is 50,000 rubles. In this case, it is impossible to demand more than this limit from the insured amount.

What can you do if you suddenly find out that repairing the damage costs more? Nothing. Only car owners who have priority repairs will be able to receive money instead. That is why you should assess the damage as carefully as possible before registering an accident without the traffic police.

Note: the limitation on the amount of compensation when registering an accident under the European protocol does not apply in the territory of Moscow and the region, as well as St. Petersburg and the Leningrad region, if video and/or photographic recording of all the circumstances of the accident and damage was carried out.

Don't know your rights?

The amount of damage exceeding the specified limits is paid by the culprit. If he does not do this voluntarily, he must go to court.

Types of damage indemnified under compulsory car insurance

Persons injured in an accident receive compensation for all costs associated with its restoration. These are the costs:

• for rehabilitation;
• medicines;
• outside care;
• prosthetics, etc.

The compensation also includes the amount of earnings lost by the victim due to incapacity for work.

IMPORTANT! Compensation for moral damage under compulsory motor liability insurance is not paid. The person at fault for the accident must pay it - voluntarily (in the agreed amount) or compulsorily (in the amount determined by the court).

If the victim dies, the maximum amount is paid. It is distributed like this:

• 25,000 rub. paid as compensation for funeral expenses to those who actually incurred them;
• 475,000 rub. are received by the relatives of the deceased as defined by law.

Compensation for damage to property under compulsory motor liability insurance is not limited to payments for damage to cars. All victims must also be compensated for damage to their property - items in the car and with them (for example, damaged clothes). Damage caused to cash, securities, objects of art and other objects of intellectual property is not compensated under compulsory motor liability insurance.

Injured car owners can not only count on an amount corresponding to the cost of repairing the vehicle, but also demand reimbursement from the insurer for:

• to evacuate a car from the scene of an accident;
• storage of a damaged vehicle;
• delivery of the victim to a medical facility;
• repair of road signs, fences, etc.

Moreover, all this must be compensated in cases where, according to the law, the victim is entitled not to payment, but to repair.

Where to file an insurance claim

Everything is clear with injured passengers and pedestrians: they always contact the insurance company of the person responsible for the accident. With drivers, everything is not so clear, and contacting the wrong company will result in a refusal to pay.

First, it is determined whether there are grounds for so-called direct damages, which presuppose that:

• only cars were damaged (2 or more);
• all cars were insured under MTPL;
• The accident occurred as a result of a collision between these cars.

If all of the above conditions are met, the victim applies to his own insurance company. Otherwise, you need to contact the insurer of the person responsible for the accident.

It is also possible that the accident was registered according to the European protocol (that is, only cars were damaged), the victim received compensation from his insurance company, and only after some time he discovered a health disorder caused by the accident. In this case, he must contact the insurance company of the culprit.

Actions to receive payment, application for payment under MTPL: sample filling

Filling out an accident notice should be the first action after an accident - receiving payment under compulsory motor liability insurance without this document is impossible. Notice forms are issued upon concluding an insurance contract. If drivers report an incident involving the police, then before contacting the insurance company, they must obtain from the traffic police officers all documents related to the accident. It is important to ensure that they record who was driving the cars, what caused the accident, and who violated the rules.

To receive payment, you need to submit an application for insurance compensation for losses or direct compensation to the insurance company within no more than 5 working days from the date of the accident (depending on which insurance company you apply to). The following documents must be attached to the application (clause 3.10 of the regulations on the rules of civil liability insurance for car owners, approved by the Bank of Russia dated September 19, 2014 No. 431-P):

• a notarized copy of the passport;
• notification of an accident;
• a certificate of an accident and documents confirming the initiation of a case of an administrative offense or the refusal to initiate one (if the accident was registered by the police);
• account details (if non-cash payment is selected to receive payment);
• power of attorney (if the application is signed and/or submitted by a representative of the victim);
• documents confirming the costs of restoring health (if harm was caused to health).

The application for insurance payment under OSAGO is filled out in the form established in Appendix 6 to Regulation No. 431-P. A sample of how to fill it out can be found on our website.

How are payments made under compulsory motor liability insurance? Damage assessment, compensation terms

Before receiving payments under compulsory motor liability insurance, you need to inspect the damaged car. This is necessary to determine the amount of payment or repair costs and must be done within 5 working days (or within the same period the insurer must issue a referral for examination).

The victim is obliged to provide the car for inspection and/or examination, and the insurer is obliged to inspect it. The inspection date is determined by agreement. Let's look at possible problems with this:

1. The insurer did not show up for the inspection. In this case, the victim has the right to conduct an examination of the damage at his own expense, after which the insurance company is obliged to reimburse the costs.
2. The victim refuses to be examined. In this case, the insurer first agrees on a new date for the inspection, and if transport is not provided again, it notifies that compensation is not possible until the car is inspected.

The examination is an optional event. It is carried out only if at the inspection stage the parties come to an agreement on the amount of damage. In addition to examining the victim’s car, the insurer also has the right to examine the car of the person responsible for the accident within 10 working days from the date of filing an application for compensation.

The deadline for transferring payment or issuing a referral for repairs is 20 calendar days from the date of contacting the insurance company. If you send it to a third-party service center for repairs, the issuance period increases to 30 working days.

An increase in these deadlines can only be justified by unlawful actions of the victim: evasion of providing the car for inspection, submission of an incomplete set of documents, etc. In other cases, the insurer will have to pay a fine in the amount of 1% of the payment amount (repair cost) for each day of delay.

As can be seen from the above, it is not always possible to receive money under compulsory motor liability insurance. In any case, in order to receive compensation, it is necessary to fill out and collect a number of documents, correctly identify the insurance company and not miss the deadline for applying for payment.

Reading time: 8 minutes

Motorist liability insurance is a mandatory requirement for all drivers. Read on to find out exactly what payments are due in case of an accident under compulsory motor liability insurance in 2019, as well as the intricacies of obtaining funds and the principles of behavior of the insured driver after an accident.

OSAGO - what is its purpose

The policy gives its owner financial protection in the event of a traffic accident that occurs through his fault. Insurance is mandatory for every driver and is issued on a paid basis.

• Material losses, most often damage to the car.
• Harm caused to the life or health of those involved in the accident.

The size of payments is limited by the rates approved by the Central Bank of the Russian Federation. , and the policy does not compensate for lost profits, so these costs will be fully borne by .

In order to prevent road accidents, it has been developed that affect the cost of compulsory motor liability insurance after an accident. The more insurance cases a driver has, the more expensive a new policy will cost him. And vice versa.

You can read about the types and sizes of coefficients in the article “”.

Payment amounts

The amount of payments that the insurance company is obliged to make to the injured party increases periodically. The latest changes were made by Law No. 49-FZ of March 28, 2017 and came into force on September 25, 2017, as well as last year to Article 11 1 of the Law “On Compulsory Civil Liability Insurance of Vehicle Owners,” which came into effect on June 1 and are still in effect today.

The maximum payment under compulsory motor liability insurance in 2019 for an accident is 500 thousand rubles for accidents where harm was caused to health or. For compensation for material damage, the amount of compensation can reach 400 thousand rubles.

The fact how much the insurance company pays in case of an accident under compulsory motor liability insurance will depend on: medical, automotive, road, traceability and others. And also on the scale of the harm caused and the number of victims. The make, model and year of manufacture of the car, its actual wear and tear at the time of the accident, the driver’s place of residence, and other nuances will be important.

To control the calculations of the insurance company, it is useful to pay the cost of compulsory motor liability insurance after an accident. The most reliable and informative way is to organize an independent examination. But in the simplest cases, basic programs that are easy to find on the Internet are also suitable.

Insurance cases

The legislation specifies all situations in which the injured party will be entitled to payments under the policy. Let us note one general rule - insurance cases under compulsory motor liability insurance in case of an accident involve any road accidents that occurred through the fault of the policy owner while driving a car and caused harm to the life, health and/or property of other road users.

Legislation regarding the principles of driver behavior after an accident also. The last of them, as mentioned above, came into force on September 25, 2017. Thanks to him, the procedure for dealing with an accident under compulsory motor liability insurance in 2019 has now become simpler.

When can you do without traffic police?

Please take the sociological survey!

Now you don’t have to contact traffic police officers at all if:

• no people were injured or killed;
• only two vehicles collided;
• the amount of damage will not exceed 100 thousand rubles;
• Drivers can independently draw a diagram of the accident.

How to act in case of an accident for compulsory motor liability insurance if all the above requirements are met:

• Take photographs of the accident scene from all angles with all details. Photos will be enough.
• Only then remove the car from the roadway.
• Fill out the notices.

Drivers who issued a policy before July 1, 2018 can use the old-style European Protocol forms, and those who issued compulsory motor vehicle liability insurance after this date must already use the new forms.

What should a victim with a compulsory motor liability insurance policy do after an accident? Take the notice to the insurance company. Next, all that remains is to wait for the time given by the insurance company to consider the issue.

When you need help from the traffic police

It is necessary to call the inspection staff if:

• There are people injured and killed in the accident.
• The vehicles received significant damage.
• It is necessary to officially record the actions of the culprit of the accident under compulsory motor liability insurance with the traffic police. This is required precisely when the parties do not have the opportunity to amicably draw up a European protocol and have to call the traffic police.
• Drivers cannot draw a diagram of an accident.
• One of the parties without good reason.
• More than two cars were involved in an accident.
• For one reason or another, vehicles were displaced.
• If one or all parties have a conflict.

What to do in case of an accident under compulsory motor liability insurance in this situation:

The actions after an accident to receive payment under compulsory motor liability insurance will be identical to the first situation: submit a notice, wait for the results.

You will find more information on the issue in the article “”.

How to get compensation

Not everyone knows how to get MTPL insurance after an accident. Because of this, numerous minor disputes and serious conflicts arise between car owners and insurers. In fact, the procedure is quite simple.

The procedure for receiving payment under compulsory motor liability insurance in case of an accident in 2019 still includes the need to notify the insurance company within the established time frame that an accident has occurred. Insurers, in turn, have the opportunity, over a certain period, to study the case materials and conduct an automobile examination to determine the exact amount of compensation.

Also, the procedure for registering an accident under compulsory motor liability insurance involves mandatory pre-trial settlement of disputes with insurance companies. This means that if for some reason you do not agree with the actions of the company serving you, then before going to court, you will have to formalize and submit. This also applies to situations when you are not happy with the way payments are made under compulsory motor liability insurance in case of an accident. For example, if the insurance company underestimates the amount due to the culprit of the accident.

Contacting the insurance company

According to the new rules, the period for contacting an insurance company after an accident under compulsory motor liability insurance in 2019 is 5 days (previously it was 15 days). However, it must be borne in mind that this requirement is rather advisory in nature. Thus, if for some reason you are unable to meet the deadline for filing an application under compulsory motor liability insurance for an accident, you may well do so when such an opportunity arises. Moreover, delay cannot be grounds for refusing to pay you monetary compensation. But the sooner the better it will be, of course.

For convenience, you can submit an application for payment not only during a personal visit, but also by fax or through your legal representative.

Many drivers doubt whether the person at fault for the accident should contact the insurance company under compulsory motor liability insurance, or whether this is the task of the injured party. According to the established procedure, the one who intends to receive it applies for compensation. If the injured party is seriously injured or killed in an accident, the next of kin or their trusted legal representatives may speak on their behalf.

Where to go after an accident under compulsory motor liability insurance for a victim in 2019 depends on the circumstances of the incident.

Documents required for insurance

You will be able to receive funds under the policy only if you submit a complete package of papers drawn up in accordance with all the rules. Depending on the situation, their list may differ slightly. But at least the following documents are always required:

• Identity card of the victim.
• Protocol (copy) and resolution on an administrative offense/ruling on refusal to initiate an administrative violation from the traffic police, if the traffic accident was registered with the participation of police officers.
• Notification of an accident.
• A package of documents for the car.
• Papers with bank details to which insurers can transfer money.

Notification to insurance about an accident

This document must be completed both when traffic police officers are called to the scene of an accident, and when drivers decide to fill out the documents themselves.

The notification contains detailed information about the participants in the accident and the accident itself. Completed in accordance with the instructions and bearing the personal signature of the originator, it is submitted to the insurance company by the injured party.

When there are both OSAGO and CASCO policies

The rules for payments under compulsory motor liability insurance in case of an accident in 2019, as before, do not limit the ability of drivers to insure themselves and receive financial insurance.

Many people are interested in how insurance is paid in case of an accident? That is, is it possible to receive payment under both policies, and in what amount? Here it is important to remind car owners that the purpose of insurance is not to enrich the insured person in the event of an insured event, but to compensate him for the damage caused.

The question of how to receive payment under compulsory motor liability insurance after an accident along with payment under CASCO hints at a desire to carry out some kind of fraudulent operation, which is, of course, illegal. A logical rule follows from this: you can receive 100 percent compensation for damage received using only one insurance policy. Which one is up to the victim to decide.

If there are victims

Payments to the culprit

Another popular question concerns whether the person at fault for an accident can obtain insurance under compulsory motor liability insurance. The answer here is no, since this insurance policy provides for the payment of monetary compensation only to the injured party.

Moreover, in some cases, payment under compulsory motor liability insurance in case of an accident requires the filing of a counterclaim by the insurance company against the person responsible for the accident. For example, if the culprit drove a car while intoxicated or intentionally caused harm to the property, health or lives of other road users.

As for whether MTPL insurance is paid to the culprit of an accident if, as a result of the trial, he was cleared of responsibility for the incident, then the answer is yes.

If none of the traffic participants is at fault, for example, the cause of the accident was an incorrectly placed sign or poor road surface, compensation will be due to all victims. In such cases, MTPL insurance is also paid in case of an accident.

Reimbursement of funds specifically to the guilty party is allowed only under a CASCO agreement. To do this, the insurance agreement must contain a corresponding clause.

How to get the full payment from the insurance company for an accident: Video

This is five working days during which the client can change his mind about using the voluntary insurance contract and terminate it, returning the money for the policy.

This deadline was set by the Bank of Russia. But it can be longer. At least insurers have the right to increase it, but not to decrease it. This period is counted from the date of conclusion of the contract. But if an insured event occurs within five days, the “cooling period” will expire.

Can I refuse any insurance?

Almost. The Central Bank has compiled a special list. As the press service of the Central Bank explained, it includes almost all popular types of voluntary insurance:

• life insurance;
• accident and illness insurance;
• medical insurance (VHI);
• insurance of land transport vehicles (hull insurance);
• property insurance;
• insurance of civil liability of car owners and owners of water transport vehicles;
• insurance of civil liability for damage to third parties;
• insurance of financial risks.

Is it possible to cancel travel insurance?

It turns out that no. According to the deputy director of the company’s legal department, Igor Shcherbakov, the “cooling period” does not apply to voluntary insurance, which provides for payment for medical care for Russian tourists abroad (and payment for the return of their remains to Russia), for VHI for foreign citizens and stateless persons staying in the territory Russia, and for voluntary insurance, which is a mandatory condition for the admission of an individual to carry out professional activities in accordance with Russian legislation.

Does insurance have to be “forced”?

The new rules were developed precisely to combat the imposition of voluntary types of insurance in addition to compulsory ones (most often compulsory motor liability insurance) or credit. But you can refuse insurance, even if no one forced the client to buy a policy, but after some time he decided that it was not profitable for him. And it is not at all necessary that the contract be drawn up in addition to some other financial service.

How to cancel insurance?

You just need to go to your insurance company and write a statement. As soon as the insurer receives it, the contract will be considered terminated.

If the company refuses to accept the application, then it will have to write a complaint to the Bank of Russia. “A complaint can be submitted in writing by sending a letter to the local branch of the Bank of Russia, or electronically through a section on the Bank of Russia website,” the Central Bank says.

Will the money be returned in full?

If the insurance contract has already entered into force, the company may withhold part of the premium in proportion to the number of days from the beginning of its validity. “If the insurance period has not arrived, the premium is not withheld,” explains Natalya Velikoselskaya, director of the company’s legal department.

What does "proportional" mean?

“The amount of the refundable premium is calculated as follows: the cost of the policy is divided by the number of days in a year and multiplied by the number of days that have passed since the conclusion of the contract,” explains Igor Shcherbakov.

Let's say that an insurance policy for a year cost 5 thousand rubles. The client decided to cancel it three days after it began. The insurer must determine the cost of insurance per day by dividing the price by 365 days and multiplying the resulting figure by 3 (three days of using the policy). In our case, it is 41.1 rubles. After deducting this commission, the insurance company must return the premium paid.

Will the money be returned immediately?

No, the insurer has ten working days to do this from the date of receipt of the client’s application.

After five days will it be impossible to terminate the contract?

Perhaps, but in a different order. And here the insurer can establish its own rules and procedures, and the amount of payments will be determined by the insurer itself, while it has the right not to return anything to the client at all. The process of early refusal must be described in the contract or in the insurance rules, which are published on the insurer's website.

You will need

• - Certificate from the traffic police about participation in an accident in form 748;
• - Protocol and Resolution on administrative violation;
• - Application to the insurance company about the occurrence of an insured event;
• - Notification of an accident;
• - A copy of the vehicle owner’s passport and a power of attorney to conduct business (if the vehicle was driven by power of attorney at the time of the accident);
• - Vehicle registration certificate (technical passport);
• - Driver's license;
• - Bank account details for transferring insurance compensation.

Instructions

Call the traffic police and inform the dispatcher of your insurance company about the accident. He can give additional recommendations. Together with the other participant in the accident, fill out the Road Accident Notices attached to the insurance policy and sign each other's copies if the accident case is controversial. If the culprit is obvious, the Notice is filled out by the injured party.

On the day of the accident, you must obtain a certificate from the traffic police in form 748 describing all visible damage to the vehicle and the alleged culprit of the accident. Before a final conclusion is made about the perpetrators and victims of an accident, an inquiry is conducted, when all participants and witnesses to the accident are interviewed. At the end of the investigation team’s work, based on the conclusion of the administrative commission, a Resolution on an administrative violation is issued, which indicates the culprit and the victim in the accident.

An important point: you don’t have to wait to receive the Decree and go to the insurance company with the entire package of documents. By law, you are required to report an insurance claim within 15 calendar days. You can bring the missing documents later. Make a register of the documents you submitted, and it is also advisable to make photocopies of them in case of loss.

Another important point: if you drove the car under a power of attorney, then you will have to issue a notarized power of attorney from the owner of the vehicle to receive insurance compensation.

After you submit the necessary documents, the insurance company will set a date for the examination within 5 days. It would be a good idea for you to find out in advance from a car service center the approximate cost of car repairs. But under no circumstances should you start repairing the vehicle before the examination. The examination is carried out at the expense of the insurer. If you disagree with the assessment amount, you have the right to conduct an examination with another licensed appraiser. In this case, you pay the cost of the expert’s services yourself. You should notify the insurance company about the re-examination, as well as the person at fault for the accident about the place and time of its conduct.

The insurance company must pay compensation under compulsory motor liability insurance within 30 days from the date of receipt of the entire package of documents and certificates regarding the insured event by bank transfer (transfer to your bank account). According to the MTPL Rules, payment is made taking into account the wear and tear of the vehicle as a percentage of the amount of the expert assessment. Since September 1, 2010, Russia has adopted a unified system for calculating vehicle depreciation, so you yourself can check the accuracy of the payment made by the insurance company.

Video on the topic

note

Since 2009, compensation can be obtained not only from the company at fault, but also from the one where you insured your liability under compulsory motor liability insurance.

Helpful advice

If you need the services of a tow truck after an accident, ask the driver for a receipt for the provision of tow truck services. According to the MTPL policy, such services must be compensated, but only with the appropriate document.

Sources:

• Website New Collaboration Opportunities
• receiving MTPL payments

Various payments from the state (usually referring primarily to social benefits: benefits, pensions, etc.) can most often be received by transfer to a bank account. It is better to clarify all the details directly with the organization through which the payment is made (employment center, social security, pension fund, etc.).

You will need

• - bank account;
• - details for transferring payment;
• - passport (not in all cases).

Instructions

In most cases, state and municipal organizations prefer to deal with Sberbank. Depending on the specific structure, you can open an account in any branch or in a narrow list of those recommended by it. So, in Moscow, for transferring payments in connection with the birth of a child and caring for him in 2010, it was suitable in any department where it was convenient for the citizen, and unemployment benefits in 2008 - only in one of those recommended by the employment center.
At the same time, a one-time benefit in connection with the birth of a child was credited to an account in the Bank of Moscow linked to the social network. The latter was formalized in the social security service when applying for benefits. You can withdraw from it, just like from a regular card, in .

Having submitted all the necessary documents (a list for each case will be given to you in a specific government organization) and having received recommendations from the organization you are interested in, come to the bank branch with your passport and tell the operator about the purpose for which you need a passbook. For example, to receive child benefits, unemployment benefits, etc.
When opening an account with Sberbank, as a rule, you are required to immediately deposit a minimum balance of 10 rubles.

Don’t forget to take the paper with the branch details from the operator.

Take the paper with the details to the organization through which you are entitled to payment. Also take your passbook with you and, if necessary, make a copy of its cover page, where your account number is indicated.

The organization will tell you approximately when the money should be transferred. After this period, check the account and withdraw cash if there have been deposits.

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Helpful advice

If you don’t want to constantly go to the bank, you can open a card at the same time as opening an account and connect both products to the Sberbank Online system. This will make it possible to check your account via the Internet, transfer funds to the card and withdraw from it at an ATM, or pay with a card at a retail outlet that accepts them, or on the Internet.

Recently, more and more often citizens are faced with refusals to pay when an insured event occurs. In almost any insurance company, one should expect such a turn of events when company representatives, upon the occurrence of an insured event, will begin to look for various ways not to pay the damage, or to pay less than the stated amount. How to force the insurance company to pay?

Instructions

Having received the policy, strictly follow the terms of the contract so that if an insured event occurs, the insurance company cannot be accused of violating the terms.

The most frequent refusals of payments are received by motorists. It is CASCO insurance that breaks all records for failures. The reasons are all sorts of loopholes from a certificate of sobriety to a certificate from the meteorological service. They can also refuse due to the fact that the breakdown after a previous accident was not corrected. Do not use a faulty machine until it has been completely repaired.

Payments are also denied for the reason “operating the vehicle on worn tires.” Here you should be guided by the rules of the road, which stipulate tire wear standards. Familiarize yourself with the parameters, check the examination data, which will indicate the level of wear.

If there are no violations on all points of the insurance contract, and the company is delaying payment, demand an explanation for the delay. Hurry up the company representatives, remind yourself more often. Of course, this requires a certain amount of endurance and nerves of steel, but this method is the most effective.

If all methods have been tried, and the company still refuses to pay for the damage, go to court. Collect all the evidence, get witnesses and a lawyer, be patient and file a claim.

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note

If a controversial situation arises, order an independent examination, the results of which will allow you to challenge the decision of the insurance company.

Helpful advice

If no persuasion works on insurers, file a complaint. A large number of complaints entails the loss of the insurance company's license.

Involving the media in your problem is also a guaranteed way to receive compensation.

There are often cases when the insurance company delays payments or refuses to pay compensation altogether. In this situation, it is important to behave wisely; if you act within the framework of current legislation, then you will have every chance of receiving the compensation due to you from the insurance company.

Instructions

If the insurance company delays in paying compensation, a claim must be submitted in writing and with a fixed date of transmission to the company. It must indicate not only the essence of your requirements, but also a description of the current situation.

You can contact the Consumer Rights Protection Society by submitting a written application. This organization must send an inspection to the insurance company and notify you in writing of its results. It will be better if you personally meet the inspectors and explain to them the current situation. It’s a good idea to ask about the approximate timing of the inspection. Such a step on your part can significantly speed up the process of paying insurance compensation.

To speed up payments, you can file a complaint with the Insurance Supervision Department; it should contain approximately the same data as in the complaint to the insurer.

If you are completely sure of the legality of your claims to the insurance company, you can contact the prosecutor's office, but this only makes sense if there are signs of criminal acts by this company, such as, for example, fraud.

If all other options fail, you can sue the insurance company. In this case, it is important to understand that the legal process may drag on indefinitely, so before making such a decision, consult with a lawyer.

Insurance cases for car owners occur quite often. This could be due to a traffic accident or other unpleasant situation. It is no coincidence that the law on compulsory car insurance is in force throughout Russia.

You will need

• - insurance contract;
• - documents confirming the fact of the accident.

Instructions

Visit the traffic police department that is handling your case and receive from the employees a certificate of form No. 748 about participation in a traffic accident. The certificate must list traffic violations, damage to your car, and indicate the alleged culprits of the incident.

Also request a copy of the administrative violation report, certified by the seal of the traffic police department, which you will subsequently submit to the insurance company. After receiving these documents, ask the employees about the time of your visit to the investigator.

Before the expiration of the 15-day period from the date of the incident, arrive at the insurance company's payment department, where you will be asked to write a statement about the occurrence of an insured event. You must have the following documents with you:

Insurance claim;
State Traffic Safety Inspectorate certificate confirming participation in an accident;
Incident notification;
Protocol on offense;
Resolution of the traffic police;
Inspection certificate;
Vehicle registration certificate;
Registration certificate and power of attorney (if necessary);
Driver's license;
Bank details for receiving payment.

If you do not have all the documents in hand at the time of your visit, bring them later.

Afterwards, the insurance company will conduct an inspection and an independent examination, the results of which you can appeal by contacting another organization.

When receiving monetary compensation, please note that the payment is made taking into account the wear and tear of the car. This means the year your car is made will determine the amount you receive.