What does OSAGO cover in case of an accident? OSAGO conditions

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

Today, a mandatory requirement for all motorists is civil liability insurance. This review discusses what OSAGO is, what it covers, what are the main features of receiving payments, what an insured driver should do in the event of an accident.

Purpose

So, what does OSAGO cover? The driver who has issued the policy has financial protection in case the accident occurred through his fault. Today, every driver must issue this document without fail. How much does OSAGO cover in case of an accident? As a rule, the amount of payments is determined by material losses, namely, the damage caused to the vehicle. At the same time, the amount of the payment is limited to the rate approved by the Central Bank of the Russian Federation. The policy does not compensate moral loss and lost profits. These costs will be borne in full by the culprit of the accident. At the same time, the cost of a new policy will increase with an increase in the number of insured events.

Payouts

What do you need about itknow? The payment of insurance indemnity under OSAGO is regularly indexed. It is also determined by the extent of the damage done and the number of victims. Of great importance in determining the amount of compensation is the make, model and year of manufacture of the car, the actual wear and tear of the vehicle at the time of fixing the accident, the driver's experience and other features. The amount of payments in case of an accident will depend on the results of special examinations.

These include:

• road;
• trasological;
• autotechnical;
• medical.

The maximum payment for OSAGO in case of an accident in 2018 is 500 thousand rubles in case of an accident, as a result of which harm was caused to the he alth and life of citizens. The amount of compensation for material damage reaches 400 thousand rubles.

Is it possible to calculate the amount of payments yourself?

You can check whether the accruals of the insurance company were made correctly. The easiest and most reliable way is to contact organizations that conduct independent examinations. In the simplest cases, you can also use the basic programs. One of them is the so-called OSAGO calculator.

Insured events

At the legislative level, most of the points are prescribed in which the injured party must be paid compensation under the policy. However, a general provision works here for everyone: an insured event involves a traffic accident that occurred due to the negligence of the owner of the policy at the time of driving,causing damage to property, he alth or life of other road users. Without registration of an accident, you can not wait for OSAGO payments. This means that if the driver and the victim did not record the fact of a road accident and decided to pay right on the spot, then no one will return the money spent to the motorist.

Many are interested in whether the OSAGO policy is valid if the accident occurred in the parking lot. The answer in this case will be positive. If the vehicle was damaged on the premises of the enterprise, race track or training ground, then the insurance company has every reason to refuse payment.

How to receive payments under OSAGO? Conditions are defined at the legislative level and change periodically. The last change took place on July 1, 2016. It significantly simplified the procedure for registration of an accident under OSAGO. Drivers no longer need to call the traffic police.

However, this simplification works only if the following conditions are met:

1. Only two vehicles were involved in the accident.
2. The amount of damage is estimated at no more than 25 thousand rubles.
3. There are no fatalities or injuries as a result of the accident.
4. Drivers don't disagree about the culprit.

In this case, the participants in the accident can independently draw a diagram of the accident and fill out the Europrotocol.

Actions in case of an accident

What should be done if drivers decide to issue an accident according to the European Protocol? The first step is to take a picture of the place.car accident. It is better to take several pictures from different angles. Photographs will be sufficient evidence for the insurance company, so witnesses may not be involved in this process. Only then can the car be removed from the scene of the accident. After that, drivers need to fill out notices in which a diagram of a traffic accident is sketched. After an accident, the victim will simply have to take the notice to the insurance company. Then you just need to wait until the insurers consider the appeal.

When should I contact the traffic police?

This should be discussed in more detail. Road patrol officers should be called in the following cases:

• If there are injuries or deaths as a result of the accident.
• Vehicles were severely damaged in the accident.
• The drivers were unable to independently determine the culprit of the accident. In this case, the actions of the culprit of the accident must be recorded in the traffic police.
• Motorists can't draw a diagram of the accident on their own.
• One side left the scene for no good reason.
• More than two vehicles involved in the crash.
• For some reason the vehicles have been moved.
• If one of the parties does not have an OSAGO policy.

How to get money?

This issue should be given special attention. Not everyone knows what to do in order to receive OSAGO compensation, which is covered by the payment. Because of this, often between car owners andconflicts and disputes arise between insurers. In fact, the process is quite simple. In 2018, an obligatory step in the procedure for receiving a CMTPL payment in case of an accident is to notify the insurance company of the fact of the accident within the prescribed time frame. In turn, insurers have the opportunity, within a certain period of time, to study all the materials of the case and conduct an examination in order to establish the exact amount of the payment.

In the procedure for issuing a DPT for OSAGO, it is also expected to settle disputes between insurance companies in a pre-trial order. This means that if for some reason you do not agree with the actions of the organization serving you, you can file a claim, and only then go to court. Very often, such situations arise when insurance companies deliberately underestimate the amount of payments.

How to write an appeal?

Under the new rules, the deadline for submitting an application to the insurance company after an accident is 5 days. In this case, this requirement is advisory in nature. This means that if for some reason you did not have the opportunity to meet the deadlines for filing an appeal, you can do it later. Delay in this case is not grounds for refusal to receive payment. However, the sooner you apply, the better. For your convenience, many companies offer a fax or legal representative application service.

Many drivers have doubts about who should apply to the insurance. Everything is quite simple here: reimbursementshould be de alt with by those who intend to receive compensation. If the victim was seriously injured or died in an accident, representatives can speak on his behalf.

Where to apply for compensation? The answer to this question depends on the circumstances of the event. The car owner applies to his insurance company if only two cars were involved in an accident, both drivers have an insurance policy and only the vehicle was damaged. In other cases, you need to call the insurance company responsible for the accident.

Required package of documents

What is included in OSAGO? You can receive compensation in case of an accident only if you submit a complete package of correctly executed documents to the insurance company. The list may vary depending on the situation. However, there is a list of required documents, which remains low.

It includes:

1. ID.
2. Certificate of an accident from the traffic police, if the incident was registered with the participation of police officers.
3. Europrotocol.
4. Package of documents for the car.
5. Bank details to which the transfer will be made.
6. Accident notification.

The last item on the list needs to be considered in more detail.

Accident notification

This document is drawn up in any case, regardless of whether the traffic police were called to the scene, or the drivers filed an accident on their own. The notice must includedetailed information about the accident itself and the participants in the incident. This document, filled out in full accordance with the instructions and certified by the personal signature of the originator, must be transferred to the insurance company injured in an accident.

CASCO and OSAGO

What do you need to know about this? Many motorists are interested in the procedure for payments in case of an accident in the event of the availability of OSAGO and CASCO insurance. According to the payment rules, drivers may well insure themselves and receive financial compensation also under CASCO. However, it is important to bear in mind here that the general principle of insurance is not to enrich the insured person, but to compensate for the damage caused. The question of receiving an OSAGO payment along with a CASCO payment implies a fraudulent operation, which in itself is already illegal. You will still be able to receive 100% compensation only under one insurance. And for what - it's up to the victim.

What to do if the damage caused exceeds the payment?

Despite the fact that the amounts of insurance payments have been significantly increased, the amount established at the legislative level will not always be enough to satisfy the injured party. Often OSAGO does not cover damage. What to do in this case? Part of the funds will have to be demanded directly from the culprit of the accident. This is a rather complicated procedure that takes a lot of time. This is especially true in cases where this person has limited financial resources, and the amount of payment is large.

Many are also interested in whether the perpetrator of the accident can somehow reimburse the costs ofrestoring your vehicle. The fact is that the OSAGO payment does not cover the repair of the car responsible for the accident. The policy provides for reimbursement of funds only to the injured party.

Conclusion

In this review, we consider in detail what an OSAGO policy is, what this insurance covers, how to get a payment in case of an accident. If all the conditions are met and the application is submitted to the insurance company in a timely manner, you can easily receive compensation.

Very often when calculating the monetary compensation there are controversial points. You can independently estimate the amount of compensation using the OSAGO calculator or using the services of companies that produce an independent examination.