2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
As practice shows, the relationship between the insurance company and the client is as follows: the company pays the client compensation for damage. The less the insurance company pays to the client, the greater its profit. Many firms are interested in minimum payouts. However, there is a sure way to get a full insurance indemnity - this is the competent preparation of a pre-trial claim to the insurance company for the payment of insurance indemnity.
In what case is a pre-trial claim drawn up
It is profitable for the CASCO insurance company to conclude, but it is very unprofitable to make payments. Therefore, the need to write a claim occurs when an insured event occurs. An insurance claim is a document in which the policyholder documents the essence of the problem that arose as a result of an insured event.
What should be included in the claim
As a rule, any claim must contain detailsrecipient and its sender. It is more correct to write a claim addressed to the head of the insurance company. The sender is required to indicate the name, the exact address of residence and a contact phone number for communication. In addition to personal data, you must provide information about the insured event that occurred. It is necessary to indicate in detail the make and model of the vehicle that fell into the DPT, the state registration number, the number of victims, the number of the current OSAGO policy, the numbers of certificates, protocols and other documents. It is necessary to indicate the essence of the claim to the insurance company. You also need to list the requirements of the client. It will be good if the claim to the insurance company uses references to the current laws and insurance rules. The claim is completed by the insured's signature and date.
How to file a claim
Often, before filing a claim, the client has a conversation with a representative of the insurance company. The insurance specialist tries to use the client's legal illiteracy and convince him not to go to court. Various points from the rules can be given as an argument. It must be remembered that a verbal statement does not bear any responsibility. Therefore, you should not be led to excuses, you must file a claim and wait for an official response. To make a claim to the insurance company, they can offer their own form, but if it doesn’t fit, you can refuse and write on any blank sheet of paper. Please make sure you have a certified copy on hand before submitting a claim.
If it is not possible to personally leave a claim with the insurance company, you can send it by courier with a notification. In this case, you can write a claim at home on your own, indicating in it all the necessary data and circumstances. If at home you doubt the correctness of filling out the document, you can find samples of claims against insurance companies on special websites.
All necessary documents on the insured event must be kept until the completion of the court case and the adoption of a decision. Remember that it is better to keep any claims with the insurance company for several years.
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