2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
The voluntary insurance contract specifies the cases in which the insurer undertakes to make insurance payments under the CASCO. If such an event occurs, you must immediately contact the support service of your insurance company to register it. Also, if necessary, they will help you call a tow truck.
Next, you should call the emergency commissioner, who will tell you what to do in a particular situation. You also need to immediately call the traffic police, provide the details of your policy and find out similar information from another participant in the accident (name of the insurance company, policy number, full name of the owner or the name of the company to which the policy is issued).
To receive payments for "CASCO", you need to submit a certificate drawn up by the traffic police to the insurance company. If your fault in what happened is not obvious, do not sign the protocol, wait for the court's decision. If the court finds you guilty, your insurancethe company will reimburse both you and the other party involved in the accident. If the court decides that the second participant was the culprit of the accident, then his insurance company will have to pay compensation for the damage caused to you.
If your car is on the move after an accident, you can drive it to the insurance company to have it inspected and photographed. Otherwise, arrange a meeting with an expert at the service station. After determining the damage, completing all the documents, your case will be considered by the insurance company. CASCO payments will be made on time.
If your car is not pledged and your bank has given permission for it, then payments will be made in cash in hand. If the car was purchased with own funds, then the bank's permission is not required. In addition, payments can be made on the account at the service station where the car was repaired. This is also possible with the permission of your bank.
In order to receive payments under CASCO, you need to follow a certain procedure, and also have all documents available (accident certificate, decision on an administrative offense or a copy of the protocol if they were not issued by the traffic police). You need to get a copy of the document from the insurance company, which indicates the amount of damage and the amount of compensation.
Be sure to get one copy of the Repair Estimate Service Agreement.
Payments under "CASCO" can be quite substantial, often theymuch higher than for OSAGO. The maximum amount of such payments is not defined. It is set in the event of the complete destruction of the car, its theft or loss for another reason (robbery, illegal actions of third parties, fraudulent actions).
However, compensation for damages under "CASCO" is sometimes associated with delaying payments from the insurance company. There may be several reasons for this, including the inattention or lack of literacy of policyholders who do not read signed contracts. At the same time, it is quite possible to avoid trouble if you pay attention to the content of the contract and, if necessary, make appropriate changes to it in your favor.
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