Purchasing insurance claims for road accidents

Debt redemption under OSAGO and CASCO insurance. Payout up to 80% in 3 days

Payments of compensation for damage in case of an accident under compulsory motor liability insurance must be made by the insurance company. As practice shows, the amount that the insurance company is willing to pay is often not enough. Almost always, the expert assessment of the insurance company is significantly lower than the amount quoted by independent experts. The difference can be two or more times.

We are ready to offer repayment of debt under compulsory motor liability insurance if the company generally refuses to recognize the case as insured, refusing, despite the agreement concluded with you, to pay compensation.

Your benefits when working with us

Required documents

Copy of driver's license;
Resolution or Protocol, which indicates the culprit of the collision;
A copy of the vehicle registration certificate;
Compulsory motor liability insurance policy valid at the time of the accident;
Certificates about road accidents from the traffic police;
Confirmation of the insurance payment, provided that it was made (letter from the insurance company, account statement, payment order)

Order of interaction

Vehicle damage assessment (takes 1-3 days)
Experienced company experts examine the vehicle and establish a reliable amount of damage.
We buy from the car owner the right to claim the debt from the insurance company
. An agreement is concluded, we buy out the insurance debt and take over all proceedings with this company.
Payment is made up to 80% of the actual amount of damage.
We are ready to immediately pay the money within three days, and the amount we offer is usually two or even three times higher than the offer of the insurance company.

We work transparently and within the legal framework. The redemption of the debt is carried out under an agreement on the assignment of the right of claim, which is called an assignment. Your right to claim the debt in the same amount and on the same terms as at the time of signing is transferred to us (Article 384 of the Civil Code of the Russian Federation). After signing the agreement, we also receive rights that ensure the fulfillment of obligations, this implies the possibility of receiving a penalty, etc. In addition to the rights under the contract, we also receive all the risks determined by the likelihood of failure to fulfill insurance obligations, as well as its bankruptcy. In enforcement proceedings, the assignment of the right of claim is formalized by a resolution of the bailiff, who acts on the basis of a court decision, a resolution of another official or an act. The assignment agreement is the basis for the court to make a decision in accordance with current regulations and provisions. It is also necessary to have documents confirming the debt, as well as a payment order for payment under this agreement. It is unlawful for the bailiff to independently make a decision and replace the party who has left as a legal successor (Article 52 of the Federal Law “On Enforcement Proceedings”).

Profitable purchase of insurance cases for road accidents from the company “Independent Appraisal Company VEGA”

Our company’s specialists are ready to help anyone who has been in an accident and needs the support of experienced professionals. Our employees will help you resolve any complex disputes in court or with an insurance company in your favor.

Profitable purchase of insurance cases for road accidents is our service, which is very popular. Our clients receive monetary compensation, protecting themselves from wasting money and stress on disputes with the insurance company.

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!

The procedure for purchasing insurance claims for road accidents - you need an auto lawyer

Content

As it turns out, an insurance claim can be sold . That is, a driver involved in an accident transfers his right to receive insurance compensation to a complete stranger . This option can be considered if a car owner urgently needs money for car repairs , but does not want to wait until the entire insurance payment procedure is completed. Certain individuals and companies are engaged in the purchase of insurance claims. You do not need to notify the insurance company and obtain its consent to sell , but you should keep in mind that the buyer will pay you significantly less than what you would be entitled to by law.

You can buy out an insurance claim almost immediately after an accident occurs. The seller gets the money transferred either to a card or pays in cash, and he doesn’t have to worry about how the buyer’s dispute with the insurers will end. There is no need to worry about an unfair assessment of damages; contact a lawyer. Buyers complete the transaction quite quickly and without unnecessary paperwork. Here you can bargain, getting the best price for yourself. But it should be remembered that those who buy insurance rarely give more than 70-80% of the expected insurance payment.

For an ordinary citizen who is not experienced in law, it is, of course, easier to sell an insurance claim than to “ butt heads ” with insurers for every extra ruble of compensation. Buyers of such cases are “ smitten ” with this and know how to recover compensation from insurers faster and easier.

Is it even possible to buy out an insurance claim and how is it done?

There are two ways to sell insurance:

Sign an “assignment” agreement with the buyer (the seller completely cedes his rights to the insurance payment);
Draw up a power of attorney for the buyer (according to which the buyer will represent your interests in the insurance dispute).

Firms and individual lawyers involved in the purchase of insurance cases generally enter into an assignment agreement with the client, “ bargaining ” for themselves up to 25% of the cost of the due compensation. A purchase and sale agreement is concluded directly at the company’s office , drawn up by a notary - and that’s it, the deal is completed. It’s fast, convenient for everyone, and the buyer doesn’t have to pay extra taxes.

When signing a power of attorney, the right to receive insurance compensation remains with you, and the “ buyer ” only acts as a trustee on your behalf. For the seller, this method has one big advantage - he loses only up to 10% of the due compensation. And the client, acting as the principal, tries to get as much as possible from the insurers and takes all the necessary actions himself (a good redeemer can receive up to twice the amount of payment from the insurance company).

But with this method, the seller is obliged to pay income tax, besides, his name still appears in the insurance dispute and all possible problems will become his headache.

For the seller, the disadvantage of any of the methods of selling an insurance claim is that the insurers, in case of delays and other troubles, can be subject to fines, penalties and other compensation, and the seller does not gain ; the buyer will benefit much more.

The sequence of selling an insured event and what papers are required for this

As we found out earlier, any participant in an accident has the right to sell their insurance claim by concluding a purchase and sale agreement or issuing a power of attorney. If a contract for the sale and purchase of rights to insurance payment is concluded, this transaction is not subject to the law on consumer protection .

The assignment agreement is regulated by articles of the civil code. When purchasing an insurance policy, read the contract carefully - it may prohibit you from selling insurance.

What you need to do to sell your insurance business

Prove that you are the owner of the car (car documents);
Collect a certificate of accident from the traffic police department;
Tell your insurers that you have been in an accident. To do this, fill out a special form in their office. Sometimes the buyer himself notifies insurers of the accident.
Prepare all documents confirming the occurrence of an insured event and your rights to receive compensation. A complete list of these papers is on our website.
Make an expert assessment of the damage sustained by the car in an accident. This procedure can be initiated by both the seller and the buyer of the insurance event.
Choose how you want to sell the insurance business (purchase agreement or by proxy). If you opted for a purchase and sale agreement, then pay attention to whether the buyer stipulated compensation for damage there. This will exempt you from paying tax (13%). Keep the contract for three years. If you choose a power of attorney, do not forget to state that all costs are borne by the authorized person. Also keep the power of attorney for three years.
You receive the agreed upon amount.

When selling an insurance claim, be sure to choose one method (assignment agreement or power of attorney). Don’t sign both at once - it won’t do any good, but it may significantly increase the number of problems.

The purchase and sale agreement (assignment) does not need . If one of the parties violates the terms of the contract, it is terminated and the money is returned to the buyer.

List of papers that must be provided to sell an insurance business

Certificate from the traffic police department about the accident;
An accident report drawn up in accordance with all the rules;
An independent expert’s conclusion on the amount of damage;
Copies of passports with registration of all participants in the accident;
Papers confirming that you are the owner of the car;
OSAGO policy.

Cases from practice in the sale of accident insurance

If you get into an accident through no fault of your own (the traffic police recognized you as the injured party), you have every chance to obtain compensation from insurers for the damage incurred during the accident (if your case was recognized as insured). The task, of course, is not difficult if you have all the evidence on hand. But this is only in theory; in reality, insurers, under various pretexts, can delay compensation for up to several months.

If you don’t want to waste your time and nerves arguing with insurers, you can sell your insurance business to organizations that deal with this professionally. But in this case, you will not receive all the compensation due to you by law. The company that purchased your insurance claim will pay you, at best, 80% of the expected compensation. And you should not trust advertising that claims that they will pay you the full amount of compensation - this is a deception .

Firms that are not scammers in these cases provide the seller with a certain period of time for him (if he wants) to conduct an expert assessment of the damage, after which they carefully compare the conclusion of his examination with their own.

Of the two ways to sell insurance, you will most likely choose a purchase and sale agreement and immediately take the agreed upon money. But you may be very upset when you learn after a while that in your case, the company that bought the insurance claim from you has sued the insurers for one and a half to two, or even three times more than what it paid you . But, unfortunately, this is the price to pay for haste and reluctance to deal with the dispute and litigation on it yourself. You can take comfort in the fact that you quickly repaired the car and with peace of mind forgot about other problems.

We repeat once again - it's up to you. And if there is something you don’t understand, you can always call our company and consult with an experienced auto lawyer for free.

Still have questions? Ask them in the comments, or you can leave a request and our specialist will call you back.

Redemption of insurance cases for road accidents (OSAGO/CASCO)

The purchase of insurance cases for road accidents includes:

Buying out insurance cases for road accidents is not a complicated procedure. You sell us your car after an accident, along with the right to receive insurance losses to the “Legal Expert”. Our law firm buys out the auto insurance company’s debt and the right to receive compensation from the insurance “Legal Expert”.

What is needed to buy out an insurance claim?

Call the office or leave a request to lawyers to buy out an insured event (MTPL, CASCO);
Send documents for preliminary calculation of insurance losses;
Sign an assignment agreement (assignment of rights to claim insurance compensation);
Receive funds from us;

Profitable purchase of insurance cases for road accidents from the company “Legal Expert”

If you have been in an accident and need professional legal assistance, then you can always count on the specialists of “Legal Expert”! We will reliably protect your interests in complex disputes with the insurance company and in court.

“Legal Expert” carries out profitable purchase of insurance cases for road accidents. Our clients – vehicle owners – will be able to save valuable time. They will save their nerves by protecting themselves from unnecessary and lengthy disputes with the insurance company.

Important advantages of cooperation with “Legal Expert”

Thanks to the purchase of an insured event for an accident, the car owner, with minimal expenditure of physical and mental effort, receives the money necessary to restore the car. In this case, the “Legal Expert” pays funds from its own “budget”, and only then receives money from the insurer.

The main cases when it is profitable to sell insurance business to our company:

the amount of payment offered by the insurer is greatly underestimated;
the owner will need to prove in court the fairness and right to receive fair compensation;
The insurance company is delaying the case.

Call Legal Expert. Our specialist will tell you in more detail about buying out an insurance company’s debt and explain the important advantages of working with us. On this page you can also fill out an application and receive a free online consultation from an experienced lawyer.

How does the purchase of accident insurance work?

After an accident, the car owner usually turns to the insurance company, hoping to reimburse at least part of his losses. But hopes are not always justified: insurers may pay only part of the amount or refuse compensation altogether.

In this case, you can spend a long time in litigation with the insurance company. But there is another solution - to sell the insurance business to special companies that buy out insurance claims.

Next, we will look at all the nuances and procedure for buying out cases of road accidents in 2019.

What is the insurance business and who handles the claims?

Insurance business is the documentary base necessary to obtain material compensation in the event of an insured situation. After an accident, this is documentary evidence of the accident that occurred and its circumstances, drawn up in accordance with the law.

Buying out accident insurance is a relatively new service, which in some cases makes life easier for car owners.

Today, many collection companies have appeared that buy out the insurance company’s debt from drivers awaiting compensation. These companies operate in a similar way to the banking system, where debts of individuals or legal entities are transferred to the firm for collection.

When making such transactions, it is necessary to rely on the law. The redemption of insurance cases is regulated by Art. 382 of the Civil Code of the Russian Federation.

The practice of selling insurance cases is becoming increasingly common among car owners, since, judging by reviews, it allows drivers involved in an accident to quickly receive money to restore a damaged car.

Insurance cases are purchased by firms that specialize in collecting debts from insurers. The company buys out the insurer's debt and immediately pays compensation to the driver from its own assets. They then resolve all other issues with the insurance company independently.

As a rule, such organizations offer related expert and legal services.

Such services are needed when insurers deliberately underestimate the amount of damage in order to save on payments to the client, and an independent examination will reveal the real state of affairs.

The procedure for buying out an insurance case for an accident does not contradict the law and is prescribed in the Civil Code of the Russian Federation (“Law on the Organization of Insurance Business”) as a procedure of assignment (assignment) - transferring the right to third parties to claim insurance compensation.

A written assignment agreement is concluded between the car owner and the collection agency, which spells out all the nuances of cooperation.

The law allows the parties to a transaction to enter into an agreement without the prior consent of the insurance company.

When is it profitable for a driver to sell insurance debt?

Drivers usually resell debts if the insurance company:

deliberately reduces the amount of payments;
refuses to issue compensation at all;
delays the process of resolving the issue;
declared bankrupt.

Options for selling insurance cases

Redemption of insurance claims for road accidents can be carried out in two legal ways:

conclusion of an assignment agreement (full sale);
execution of a power of attorney for the organization (representation of interests).

The most common way to complete a purchase is through an assignment agreement . This method makes it possible to receive up to 30% of the insurance payment due to the car owner.

The transaction is formalized by drawing up a purchase and sale agreement between the assignor and the assignee. The assignment agreement is beneficial for the driver in that it exempts him from paying taxes.

Selling an insurance business happens quickly: sometimes one visit to the company’s office and a notary is enough to draw up the documents.

Executing a power of attorney does not transfer rights to the buyer, but only allows the company to make decisions on behalf of the client. This method is also called a fictitious ransom.

Buying out a debt by proxy is good for the car owner in that he has the right to claim 90% of the insurance compensation . The buyer is interested in collecting more money, so he independently negotiates with the experts.

Such “cooperation” leads to the fact that the amount of compensation is sometimes doubled.

The power of attorney does not exempt the car owner from paying tax (13%). In addition, all actions of an authorized employee of the company are carried out on his behalf, so insurance problems that arise in the future may affect him again.

A car owner selling his accident case should know that the insurance company is obliged to pay a fine of 20%, as well as other penalties that usually do not reach the client. In this situation, the car lawyer will receive much more than what he invested in the ransom.

Documents required for selling an insurance business

Here is a standard list of documents that are usually necessary to complete a transaction to buy out an insurance claim for an accident.

The package includes:

certificate of accident;
administrative offense protocol;
independent expert report;
passport details of the culprit and the victim in the accident;
driver's license who was driving the car at the time of the accident;
vehicle registration certificate;
OSAGO (or CASCO) policy.

The procedure for full redemption of insurance cases for road accidents

If you decide to assign your debt to a car lawyer, the driver contacts the company’s office with the above documents. Next, an assignment agreement is concluded between the parties.

This document represents an agreement between the parties to the transaction on the assignment of the claim for insurance compensation. The procedure for its conclusion is regulated by Article 389 of the Civil Code of the Russian Federation.

The first step after entering into an assignment agreement should be to notify the insurance company in respect of which the assignment is taking place.

Article 382, Part 3 of the Civil Code of the Russian Federation states that the debtor must be officially notified in writing about the transfer of rights to receive debt to a new creditor.

The assignment of the right of claim does not require the permission of the debtor, unless this is determined by the terms of the agreement between the insurer and the insured person.

Before signing an agreement, you should carefully study all the points, since scammers very often operate in this area.

When concluding a contract, the car owner should also find out about the tax discipline of the debtor. If an insurance company has a debt to the state for taxes and other fees paid to budgetary and extra-budgetary funds, then difficulties may arise with the transfer of rights of claim, as evidenced by the modern practice of arbitration proceedings in Russia.

After the transaction is completed, the car owner receives compensation, and the firm’s lawyers will then collect compensation from the debtor themselves.

In conclusion, it is only worth adding that the algorithm for selling debt under OSAGO or CASCO is almost the same.

However, car owners who enter into a CASCO agreement should be careful, since insurers sometimes include a clause in it prohibiting the sale of an insured event.