Casco payments in case of an accident: registration, terms, driver actions

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

Saturation of traffic makes motor vehicle owners think about protection. To do this, they turn to insurance companies for help. Insurers can make hull insurance payments in case of an accident, thus the insurer will be able to protect himself from unplanned costs.

Casco

Casko is a comprehensive voluntary car insurance. Unlike OSAGO, there may be various risks. Also Casco in different insurance companies has significant differences. Casco, depending on the risks, is divided into several types:

• Full. It is characterized by high cost, the greatest number of risks.
• Partial. The cost of insurance is much lower, as there are several main risks in the policy.

Policy registration

If the owner of a vehicle has come to the conclusion that it is necessary to purchase a voluntary insurance policy, then he should be familiarized with the steps to complete the purchase.

Before purchasing an insurance policy, you mustdetermine what a casco is for. Perhaps the owner of the vehicle is only afraid of theft or he is driving a car uncertainly, fearing an accident. After determining the priority, it is necessary to familiarize yourself with what companies can offer in the financial market. To do this, you need to select for yourself several of the most reliable insurers who have been working in this area for a long time and make payments. On their official website, you can get acquainted with the types of insurance and make a Casco calculation.

Going to the company

Before traveling to the selected insurance company, you need to prepare documents: Title, passport, driver's license, diagnostic card. At the office of the insurer, the employee will carry out a preliminary calculation of hull insurance, as well as inspect the car. The inspection will list any existing damage. That is, payment for previously received damage will not be made.

Contract execution

After the inspection, the employee will make a copy of the contract and show it to the insured. It is necessary to carefully study all the details of the contract. If there are contradictions and errors, then it is necessary to correct them at this stage. It is also necessary to familiarize yourself with the list of risks, the application of the contract, the payment rules, and ask questions of interest. It must be remembered that Casco does not protect against everything, but only from what is written in the policy. If the terms of the contract suit the insured, then you can sign and pay. The insurance policy will take effect from the moment specified in the policy.

Important

There must be a comprehensive insurance policylist of drivers. If a person not included in this list gets behind the wheel and a traffic accident occurs, then there will be no payment. Therefore, it is necessary to include all drivers who will drive this vehicle.

Driver actions

What to do in case of an accident? Casco will help in paying if the accident is an insured event. In the event of a traffic accident, you must follow a certain sequence of actions:

• The driver must stop the vehicle, turn on the emergency lights, put up a special sign.
• It is necessary to call a traffic police officer. You cannot move the car until it arrives.
• It is also necessary to report the occurrence of an accident to an employee of the insurance company. You can call the consultant who signed the contract, or call the hotline number (contact details are always included in the policy). The employee will tell you the list of necessary documents and certificates, as well as the deadlines for contacting the company.

Registration of traffic accidents

Will Casco help if you get into an accident? In order to receive a payment, it is necessary to correctly register a traffic accident. The payment term will depend on the correctness of filling out the documents.

• You need to take photos yourself from different angles in order to see the area and the damage. You can also make a video. The insured may collect testimony from witnesses who were at the scene of the accident.
• You can not negotiate with any participant in the accident bypassinginsurer.
• You need to make sure that the traffic police officer made an accurate inspection of the scene and the car.
• You must also carefully study all the documents relating to the accident. All entered data must be correct. Payout will depend on this.
• You must keep copies of all documents for yourself.
• Next, you need to go to the office of the insurance company, write an application for payment. An employee of the company will notify the place and date of the inspection of the vehicle.
• After examining a specialist, you need to take a copy of the conclusion for yourself.
• Payment to the insurance company will be made within the specified time frame.

Documents

You need to start collecting documents immediately at the scene of a traffic accident.

• Certificate of an accident for Casco will be a confirmation of the fact of the accident. At the time of receipt of this certificate, it is necessary to check the completed information. If there is an error, it is better to ask to fill out a new sample, since when providing a document with blots, a refusal from the insurance company may come. This certificate is very important, as it contains information about all participants in a traffic accident. Also, the form must necessarily indicate “hidden damage is possible.”
• Documents for Casco after an accident include a notice of an accident. According to the rules, all participants in the incident must sign this document. But not always the culprit agrees to put it, because he does not want to admit his guilt. AtIf the culprit disagrees, witnesses can put an additional signature. The notice, like the certificate, must be filled out clearly and without errors.
• After arriving at the scene, the traffic police officer must also draw up a protocol on this event. This document describes the accident in detail: how the cars are parked, where they were heading, the scene of the accident, which settlements are nearby (if it is a highway), the nearest traffic signs. In order to receive a Casco payment, the policyholder must provide a copy of this document to the insurer.
• The decision on the offense is issued to the perpetrator of the incident immediately on the spot. But if the policyholder turned out to be the injured party, then he needs to additionally request a copy for himself.

Timing

The deadline for applying for hull insurance after an accident is announced by an employee of the insurance company. Also, this period may be specified in the documents of the insurance policy. The legislation has not established specific deadlines for hull insurance. Insurance companies independently determine this period for their clients. But it is impossible to delay the writing of the application. Typically, the period is specified within three days, excluding weekends and holidays. It is important to call the insurer's hotline and report the accident. Some companies register the case on a call and announce the number to the insured. Thus, when the policyholder comes to the office of the company, he will be able to indicate the number of his case in the application. A registered case is de alt with faster.

Delivery timecompensation

The terms of payment for Casco in case of an accident are not specified in the legislation of the country. In order to find out the specific date of receipt of funds, you must contact the office of the insurance company directly. Also, the term should be spelled out in the agreement itself. Payment is usually made 14-30 days after application is submitted.

The culprit in the accident

Does Casco pay the culprit of the accident? With OSAGO, the injured person receives the payment. But Casco is a help for the person who bought the policy. That is, if the driver turned out to be the culprit in the accident and he has a comprehensive insurance policy, then the payment will still be. But there are a number of nuances. If guilty of an accident, Casco will not be paid in such situations:

• driver was drunk;
• refused to undergo a medical examination;
• if the culprit did not wait for the traffic police and fled the scene of the accident;
• if used a faulty vehicle;
• if this driver was not on the list of the policy.

Also, there will be no payment if the insurance policy did not contain the risk "Damage in an accident". Sometimes drivers forget that they wanted to buy a cheaper policy and give up many risks, leaving only one. In order to be sure of the Casco payment in case of an accident, you must carefully study the insurance policy and all attached documents. They contain all insured events and exclusions for payments.

accident with victims

In the Russian Federation there are many accidents causing harm to life and he althof people. Casco payments for accidents with victims can be made under certain conditions. To do this, the contract must provide for this risk - "Payment in the event of an accident in an accident." If there is such a risk in the contract, then you need to do the following:

• immediately after an accident, contact the nearest medical facility;
• during treatment, you need to collect all checks that were associated with the purchase of medicines;
• after treatment, you must contact the insurance company with all documents, receipts, conclusion.

Depending on the complexity of the treatment, payment will be made. Each contract has a payment table with which you can determine the amount. For example:

• a broken arm is estimated at 5% of the total sum insured;
• fracture of the spine is 45%;
• disability of the first group or death is 100%.

But in most cases, insurers refuse to include an additional service in the contract. Therefore, hull insurance payments in case of an accident are more often carried out only for cars.

Fatalities

Sometimes traffic accidents are fatal. If this risk was included in the hull insurance policy, the company will pay the full sum insured. In order for the heir to receive funds, it is necessary to apply to the office of the company 6 months after the death. You need to have a passport, hull insurance, death certificate, as well as a documentconfirming the right of inheritance. Usually transfers occur within two weeks. Some insurance companies offer their customers life and he alth amounts other than car insurance. Thus, life and he alth insurance will be an additional condition to the main contract.

It is also worth noting that in a traffic accident, harm to life and he alth can be caused to a large number of people. But the insurance payment will be made only for those who were driving in the insured's car. Different insurance companies have different conditions, so when choosing additional services, you need to clarify the list of insured persons.

Accident Repair

Repair after an accident under Casco is the performance of work to restore a vehicle after damage received in an accident. The repair is carried out by the partner of the insurance company. If the policyholder chooses repairs from the insurer, then who will determine the car service? Car service will be selected depending on where the insured is registered. Also, this clause can be spelled out in the contract itself. Usually, the insurance company determines the location of the repair. Algorithm of actions when sending a car for repair:

• The insured notifies the insurance company of an accident. Fills out an application at the office, attaches all the necessary documents.
• The owner of the vehicle provides the car for inspection at a predetermined time.
• Next, the policyholder receivesreferral for repairs to a specific car service partner of the insurance company.
• The car must be sent to the service station. Further, the insurer and the partner agree on the terms of repair and their cost.
• Repair time is usually two weeks, but can take up to forty-five days (if there are no replacement parts, etc.).
• The policyholder collects the car.

Station repair or payout

After an accident, policyholders may wonder what to choose: cash or partner repairs. In order to determine the most profitable option for yourself, you need to understand the following. Insurance companies use rates when calculating payments. These rates are minimal. If the insured can repair the car on his own and at a symbolic price, then the payment will be profitable.

You need to choose a car service (partner of an insurance company) if it is not possible to make repairs yourself. But there is a question about the quality of the repair. In order to be sure of a good repair, you must first ask the insurer to which service the car will be sent. And after the information received, determine the best option for yourself.