OSAGO insurance payments: how to get what is due

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Despite the fact that in our country the issuance of an OSAGO policy is mandatory, many people misunderstand the essence of this type of insurance. As a result, when they get into an accident, they are sincerely surprised when they find out that they are not en titled to insurance payments for OSAGO.

It is important to understand that autocitizen implies your liability insurance

to third parties. That is, insurance payments are due only to the injured party. In other words, when you take out an OSAGO policy, you insure someone else's property. If you want to insure your car, you should additionally issue a CASCO policy.

What to do in case of an accident

Any car accident causes damage. It can be applied to both human he alth and vehicles. If you get into an accident, the first thing you should do is install an emergency sign, call the traffic police and the emergency commissioner. Under no circumstances should cars be moved.

Until the arrival of specialists, you should not discuss its circumstances with the second participant in the accident. Yes, and admission of guilt is the business of traffic police inspectors (except, of course, absolutelyobvious cases). In order not to waste time in vain, road accident participants can

fill out the “Accident Notice” and sign it.

At the end of work at the scene of the accident, the traffic police officer must issue a certificate, a protocol and a decision on the perpetrator of the accident. If the documents are not issued, be sure to specify when and where your accident will be analyzed. If you are an injured party, all these documents will be needed in order for you to calculate the CMTPL payment.

Actions of the insurance company

After you provide the insurance company with an application, as well as all the necessary documents, you will be assigned a date for the inspection of damage by an independent expert. After examination of the car within 30 days, the insurer must make a decision on the application. However, often the procedure can be delayed and even

demand additional documents.

Even if you are not guilty of an accident, you should be prepared for the fact that the insurer can significantly underestimate the amount of the OSAGO payment. Rosgosstrakh, for example, in 2012 became the leader in refusals of compensation under insurance policies.

The insurer can reduce insurance payments under OSAGO in several ways:

- instead of replacing car spare parts, the assessment protocol indicates the cost of repairing them (for example, gluing a bumper);

- when assessing, the reduction in the cost of spare parts due to their wear and tear is used.

Many will ask why the insurerarrives. The answer is simple - few people will go to court to defend their interests, which means that the insurance company will save a huge amount of money on compensation.

If you are sure that the insurer significantly underestimates the insurance payments for OSAGO due to you, be sure to go to court! This can be done not only independently, but also through representatives. There are quite a lot of companies presenting such a service on the market today. It is important to choose one that charges for its services only after winning the court.

And finally, I will note, in no case do not repair the car before you receive insurance payments for OSAGO. Otherwise, in case of underestimation of compensation, you will not be able to prove anything.