Redemption of debts from MTPL insurance companies

Redemption of insurance debts

Redemption of insurance debts, debts of organizations and individuals!

The redemption of insurance debts under MTPL and CASCO, and other types of insurance, as well as debts of organizations and individuals, is carried out by our association under an agreement.
What is the benefit of selling an insurance debt, an insurance company's denial, or an organization's debt? By purchasing the debts of insurance companies, we pay you for transferring to us the right to claim the debt from the debtor of the insurance company. We buy out insurance debts in accordance with the requirements of current legislation.

Why is buying out debts from insurance companies a quick solution to problems for the client?

When buying out debts from an insurance company or refusals from an insurance company, Moscow Auto Lawyers take away the right to demand payment of funds from the insurance company or other debtor.
By the way, we buy out not only the debts of the insurance company, but also all other debts after examining the documents. We buy out debts of insurance companies and other legal entities under various agreements (supply, credit, purchase and sale).
“Moscow Auto Lawyers” buys out your insurance debt and pays the money right away if you urgently need repairs to your damaged car.

Why is debt repayment beneficial for the client?

→ If you go through the usual judicial procedure, it will require 3, 6, or maybe even 12 months.
The cost of legal services will be about 25-50 thousand rubles (will be partially compensated by the court). → But it also happens that there is simply no free money for the services of a car lawyer.
→ In such cases, “Moscow Auto Lawyers” pay you immediately for the redemption of the debt or refusal of 30%-80% of the value of the debt, draw up an agreement, and then they themselves collect the money from the debtor.

Main questions:

1. How is the percentage of payment to the client for debt redemption determined?
In each case individually.
“Moscow Auto Lawyers” evaluate each debt or refusal of the insurance company for a judicial perspective, and conduct an examination of documents. Of course, for advertising it would be easier for us to write on the website that we always pay 70% of the debt amount.
But we are always transparent to our clients. 70% for debt repayment is the maximum price. Our proposal for debt repayment is always a compromise between the desire for maximum payment from our client and the absolute need to recoup the costs of conducting business with Moscow Auto Lawyers.
Our offer is interesting primarily for those who value their time and are not ready to spend it on conducting examinations, discussions with the insurance company, litigation and enforcement proceedings.
If you need advice on the issue of debt redemption, Moscow Auto Lawyers provide consultations by telephone.

Call us at:

+7 (499) 390-01-04

+7 (925) 390-01-04

That is why, the result of our work on repurchasing debts and refusals of insurance companies is the satisfaction of the client’s need for partial, but at the same time quick compensation of the debt or insurance compensation.

2. Do Moscow Auto Lawyers actually buy out bad debts, for example, debts of insurance companies declared bankrupt, or debts of individuals who have no property and income?
In each case, we analyze the debtor's position. If the debt is bad, it will not be redeemed.

3. Is it possible to buy out the insurance company's CASCO refusal along with the car?
Yes, it's possible. Our partners conduct a thorough assessment of the car (usable balances), determine the residual value, which is paid along with the amount for the redemption of the debt to the insurance.

That is, you get money and are left without a broken car and the need to sue the insurance company.

Redemption of debts of insurance companies under compulsory motor liability insurance

Imagine the following hypothetical picture: an accident occurred. Your car has suffered material damage. Naturally, you have a compulsory MTPL insurance policy, your opponent is to blame for the accident, therefore, the insurance company is obliged to compensate for the damage with monetary compensation or payment for repair work at a car service center with which it has a corresponding agreement.

The second option does not suit you: you have a familiar car mechanic who is ready to quickly and efficiently repair your car. Having checked with him the approximate cost of repairs, you, having collected the necessary documents, turn to your insurers with a request to compensate for the damage in money. And then the carousel begins! Insurance appraisers offer you a several times smaller amount, which naturally does not suit you.

What follows is a chain: an independent examination - a trial, which usually ends in winning the case - waiting for payment of the missing amount... all this can last for months, but a car, as you know, is not a luxury, but a means of transportation. Which you need today, now.

This is why a service called “redemption of MTPL insurance debts” is gaining popularity.

How it works? How to sell debt under compulsory motor liability insurance?

Step 1. You must wait 30 days - the period during which the undisputed part of the payment is transferred. You can easily take this money.

Step 2. Contact a company that buys insurance debts. She organizes an independent examination (mainly at her own expense) and in the shortest possible time (usually the next day) notifies the client of the actual amount of damage caused. As a rule, it is significantly higher than what insurers valued it at.

Next, the client is offered a redemption for a certain amount. In normal practice, when buying out debt under compulsory motor liability insurance in Moscow, it is 50-70% of the insurance debt. For example, if insurers paid 8 thousand rubles, the buyer company estimated the damage at 20 thousand rubles, the difference at 12 thousand rubles. They will buy it from the client for about 7.2 thousand. The total is 15.2t.r. - almost twice as much!

Step 3. If the car owner is satisfied with this condition (and in most cases this is exactly what happens), he is paid money on the spot, and he issues a power of attorney for the company with the right to represent his interests in court and dispose of the money received from winning the case.

The presented diagram is approximate, it may differ in nuances from different companies, but in general events unfold exactly like this, and everything is within the framework of the legislation of the Russian Federation.

What is required from a car owner

Before concluding an assignment, the reseller will ask you to provide:

Documents confirming ownership of the car or a power of attorney on behalf of the owner;
A copy of the incident documentation package;

A small but important nuance! If the buyer finds out that this insurance company has debts or unpaid taxes, it will most likely refuse to complete the transaction.

How profitable is this?

Pros:

Obvious gain in money;
No less obvious savings in time and nerves;
No need to pay value added tax;
The ability to repair your car much faster.

Flaws:

The client, transferring the right to claim the debt to a third party, receives an amount less than he could have received from the insurance company (if he had proven his case in court);

In any case, you need to wait for the insurance company’s assessment, only then you can contact buyers of insurance debts.

Lawyers at Line Prava have extensive experience in resolving issues with insurance companies, including compulsory motor liability insurance. Call and sign up for consultations - they are free.

Redemption of insurance debts

It is no secret that insurance companies often refuse compensation for damage when an insured event occurs, underestimate the amount of payments under CASCO and OSAGO, or delay the payment of insurance compensation for several months. The policyholder is not always ready to wait so long for the due insurance payment. In this case, the law of the Russian Federation provides for the right of the policyholder to transfer the rights to receive the debt from the insurance company to a third party.

The center for legal support of policyholders buys the right of claim from the policyholder and subsequently independently conducts the trial, thus eliminating the litigation of extracting payment from unscrupulous insurance companies. Our company guarantees clients the receipt of funds within one day from the date of transfer of the full package of documents. The highly qualified specialists of the Center for Legal Support of Policyholders and the company's many years of experience in working with insurance disputes guarantee our clients a positive result in solving any insurance problems in the event of an accident. You can always turn for help to the regional representative offices of ZAO TSYUPS at your place of residence or to the central office in Moscow, located at the address: Varshavskoe highway, 42, contact phone +7 (495) 543-03-03.

Submit an application for consideration of the redemption of insurance debt.

Our company has a team of lawyers who professionally deal with the compensation of losses of policyholders for the payment of compulsory motor liability insurance and CASCO insurance. The Legal Support Center for Policyholders buys out the debts of insurance companies in the following cases:

refusal of the insurance company to pay under CASCO and OSAGO;
unreasonable understatement of the amount of insurance payments;
deliberately delaying the payment of losses to the insured;
if the license of the insurance company is revoked;
if insurance obligations were transferred to the Russian Union of Auto Insurers (RUA).

In case of redemption of the rights to claim the debt, the TSYUPS company assumes all costs of establishing the amount of insurance payments and collecting the debt in court, as well as the risk associated with the debtor’s refusal to fulfill its obligations.

Benefits of debt repurchase

Buying out the debt of an insurance company in payment under CASCO or OSAGO gives the policyholder significant advantages:

the policyholder is exempt from the costs of organizing the collection of insurance payments;
the policyholder is guaranteed to receive funds as soon as possible;
the policyholder does not waste his time on legal proceedings;
the risk of additional expenses in case of losing a dispute with the insurance company in court is eliminated.

The party that has purchased the rights to claim the insurance company's debt from the policyholder takes actions aimed at reimbursement of insurance payments, completely freeing him from participation in the dispute with the insurance company.

Documents required for debt redemption

The repayment of the debt is confirmed by an assignment agreement, which is concluded between the policyholder and the Center for Legal Support of Policyholders. To formalize the contract, the policyholder submits the following documents:

vehicle registration certificate;
a copy of the accident certificate (issued by the traffic police);
protocol or resolution on the guilt/not guilt of participants in an accident;
a copy of the insured event report;
independent expert report on the cost of damage;
a copy of the comprehensive insurance policy and a receipt for payment of the policy.

The assignment agreement specifies the amount of payment for the assignment of the right to claim the debt, which is determined individually in each specific case by agreement of the parties and depends on the amount of insurance payments, on the delay in payments under compulsory motor insurance or comprehensive insurance, on the state of the assets of the insurance company.

Our company adheres to high quality standards when preparing documents for the redemption of debt from an insurance company, provides a prompt solution to problems of any complexity and is ready to pay the highest possible cost.

We are always glad to see you at the regional representative offices of ZAO TSYUPS at your place of residence or at the central office in Moscow, located at the address: Varshavskoe Shosse, 42, contact phone +7 (495) 543-03-03.

You can always contact a lawyer on any issue for free at the central office or regional representative offices of the company:
- Central office in Moscow: +7 (495) 543-03-03;
— Office in Yekaterinburg: +7 (343) 346-93-93;
— Office in Omsk: +7 (3812) 24-40-97.

Redemption of insurance claims and debts

Does the insurance company refuse to pay compensation and delay the deadline?

In this case, you should contact the specialists of “Road Accident Help”. We buy out refusals from insurance companies under MTPL and CASCO.

Refusal is not a reason for frustration and grief!

What are the advantages of buying out insurance company debts?

The policyholder receives funds on the day of application, without waiting for a court decision;
There is no need to bear the costs of organizing the collection of insurance payments;
Saving time, effort and nerves in court proceedings;
There is no risk of additional costs if you lose a dispute with the insurance company in court.

In fact, it can take months from the time you file your claim to receive payment and actually fulfill your obligations. For example, in St. Petersburg and Moscow it may take 6-8 months, in Orel, Smolensk, Crimea or Bryansk the process will take 3-5 months. Of course, such deadlines are not encouraging. We have a quick and convenient solution to your problem!

“ROAD Accident HELP” buys out insurance debts, saving you time, nerves and effort. The most important thing is that you can receive money on the day you apply! We are ready to pay you well and free you from tedious and lengthy participation in a dispute with the insurance company. By contacting us today, tomorrow you can calmly repair your car damaged in an accident.

What documents are needed to buy out debt from insurance companies?

The redemption of the insurance debt is carried out under an agreement concluded between “DROP POMOSH” and the insured. For registration you need to provide the following package of documents:

Power of attorney or driver's license of the policyholder;
Vehicle registration certificate;
A copy of the auto examination report;
A copy of the accident certificate issued by the traffic police officer;
A copy of the insured event report;
Resolution or protocol on the innocence/guilty of the participants in the accident;
A copy of the report on the cost of repair and restoration work.

If you have the specified documents, we are ready to conclude an agreement with you and buy out the debt of the insurance company.

You can agree on the amount of payments by phone. Just call us!

Is the insurance company underestimating compensation? Refuses to pay? Seriously violates deadlines?

No problem! We are ready to pay generously and redeem this debt!

Insurance debt redemption

We buy out insurance cases and road accident cases with payment of up to 90% of the damage! We buy out the insurance agency's debt.

Specialists of the company “Right to Osago” provide services for the purchase of insurance cases for road accidents, the purchase of insurance agency debt and insurance debts in the following situations:

if the insurance company was declared bankrupt and its license was revoked;
if a Russian or Ukrainian insurance agency does not pay the required compensation, applying unreasonably low coefficients or, using a flimsy reason, refuses to recognize the insured event.

Registration of the acquisition of debt obligations of an insurance company under compulsory motor liability insurance

Road accident cases can take many months to be heard in court. However, it cannot be guaranteed that the plaintiff will receive full compensation. If you need to quickly get money and repair your vehicle, buy out insurance debts and you will have the following advantages:

you will save time and nerves associated with the outcome of the court case;
you will be able to start restoring your damaged car as soon as possible;
you will not repeatedly run to an insurance company that has not paid under compulsory motor liability insurance in order to speed up the process of paying the due monetary compensation;
you are guaranteed to avoid being deceived by insurers who paid an unreasonably low amount under compulsory motor liability insurance.

Contacting our company if one of these situations arises will be a serious step in successfully defending your own interests. We work absolutely legally and are always ready to offer fast processing, the maximum percentage of payments, as well as finding a profitable solution in each specific case. Therefore, in the event that an insurance company is declared bankrupt, our working conditions will relieve clients of the need to wait many months for a decision on an accident, which will allow them to quickly receive money and use it to restore the car.

The procedure for repurchasing the debt of an insurance agency under MTPL

The buyout of accident cases is the sale by the owner of the claim or debt of the insurance company. In case of assignment of rights, monetary compensation is immediately paid. In the future, the company that bought this case independently resolves this issue with the insurance agency, trying to create conditions for speeding up the consideration of the case and payment of funds in the shortest possible time. This process is handled by professional lawyers who will ensure that your interests are respected and will always provide assistance to successfully resolve the most difficult situations.

Today, the process of buying out accident cases is carried out in strict accordance with domestic legislation. Our specialists calculate the required amount of financial compensation and make a cash payment within 1 hour. The amount of compensation can reach 90% of the total amount of damage.

Certificates of road accidents (form No. 748 or No. 154), which were issued by traffic police officers.
Notification of a traffic accident.
A copy of the protocol or refusal to open a case of administrative violation.
An independent expert report for RSA confirming the amount of compensation.
A document confirming payment for services related to conducting an independent examination for the RCA.
Identification card of the person injured in the accident.
Certificate of state registration of the car or its passport.
The driver's license of the person who was driving the vehicle at the time of the accident.
A copy of the MTPL policy in the name of the culprit of the incident (if possible).

In the absence of any document from the specified list that relates to the traffic accident that occurred, the specialists of “Right to OSAGO” will provide all the necessary assistance to prepare it again.

What to do if the agency refuses to pay under compulsory motor liability insurance?

If an organization is delaying the decision to pay compulsory motor liability insurance, and in some situations the insurer disappears altogether, contact our company, and you are guaranteed to receive compensation for compulsory motor liability insurance within an hour.

We approach each case individually and responsibly. Our clients can count on mutually beneficial cooperation.

Are they refusing to pay you your due money? Contact Right to Osago and your problem will be promptly resolved!

You can contact us at the following telephone numbers: Moscow and St. Petersburg - 8 (800) 777-18-40.