2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
A feature of compulsory auto liability insurance is that OSAGO insures not the car, but the liability of its owner to third parties. That is, the policy will compensate for the harm caused to other road users. The cost of repairing a car involved in an accident is not compensated under this type of insurance.
Only the injured party will receive money from the insurance company, and not the culprit of the accident. The only exception, when he can receive OSAGO payments as a result of an accident, is mutual fault.
On April 19, 2013, the State Duma adopted a bill that would increase OSAGO payments. The increase in insurance amounts will take place in stages from 160 to 500 thousand rubles per victim. Payments for compensation for damage caused to property will also increase from 120 to 400 thousand rubles. Victims will have the right to choose whether to take compensation in cash or be repaired at a service station.
Necessaryunderstand that in order to quickly and surely receive OSAGO payments from the insurance company, you need to start acting immediately after the accident. First of all, you need to correctly draw up an accident, correctly write an application, collect all the certificates and successfully pass the examination.
The more serious the accident, the longer all these procedures will take. Any error in paperwork may be a reason for refusing compensation.
In the event of a serious accident, it is important to immediately find witnesses to the accident. Call the traffic police right away. Before they arrive, inspect the car yourself to know what damage should be described in the documents. If some of them are not reflected, the payments under OSAGO in your favor will be lower.
While waiting for the crew to arrive, call your insurance company. Explain the situation to the operator and follow his recommendations. You also need to fill out a document with the second participant called "Accident Notice". Do not forget to sign (your own and the second participant) on all copies.
On the day of the accident, you must definitely get a certificate of form No. 748 (on participation in an accident). If a protocol on an administrative offense was drawn up, you must take a copy of it to provide to the insurer (certify all documents with seals).
As a result, you should set a date for a visit to the investigator, who will determine the culprit of the accident. You will be issued a misdemeanor order. Do not forget about the terms of payment for OSAGO. Within 15days after the incident, you will need to visit the insurance company's payment center, draw up an application and leave a full package of documents (certificate No. 748, offense report, vehicle registration certificate, technical inspection coupon, registration certificate and passport of the owner of the vehicle, driver's license, bank details for receiving compensation). Payments must be made by the insurance company within 30 days after receiving the documents (or you will be sent a reasoned refusal).
According to the law, payments for OSAGO are always made taking into account depreciation. This means that the older the car, the lower the damage will be assessed. That is, the amount indicated in the examination is likely to be more than what you can actually receive from the insurance company.
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