Assistance in obtaining insurance payments in case of an accident
Procedure for obtaining the maximum payment from the insurance company after an accident under compulsory motor liability insurance
In order for the payment under compulsory motor liability insurance to be maximum, contact the single service O valuator-DTP.rf and we will provide you with assistance in obtaining insurance payments in case of an accident, including assistance in conducting an independent examination with the preparation of all the necessary documents at a time convenient for you before contacting the insurance company !
Free consultation by phone. 337-15-22 Call!
What should you do to get the maximum payment from the insurance company?
Receive a package of documents from the traffic police: certificate f.154 about the accident and a resolution on the accident.
Order an independent examination of the car after an accident in a single service before going to the insurance company. Attach the results of the conclusion to the application (clause 4.13 of the law on compulsory motor liability insurance).
Provide the damaged vehicle for inspection to MTPL insurance specialists. This is a mandatory procedure in accordance with the law!
After receiving the documents, you can begin repairing or selling the car*.
* IMPORTANT! Before starting repairs, make an independent examination of your car with all the necessary documents! If you skip this step, then after the repair it will be much more difficult to collect the missing amount of compensation under compulsory motor liability insurance from insurance companies, and in some cases it will be completely IMPOSSIBLE.
What are the main advantages of organizing an independent examination in the single service “Evaluator-DTP.rf”?
Free consultation by phone. 337-15-22 Call!
1. The inspection is carried out in one of the service stations of the unified service “Evaluator-DTP.rf”
An accurate examination, with an inspection at a service station, with detailed defect detection and photo recording of all damaged elements, is a guarantee for receiving the maximum amount of payments under compulsory motor liability insurance for damage received in an accident. If necessary, washing, partial disassembly, measurements, etc. are carried out.
We will not only compile a list of car damages for you, but will also take care of all the paperwork to submit to the insurer.
Free consultation by phone. 337-15-22 Call!
2. We calculate the loss of commodity value (LCV)
What is loss of marketable value? This is a deterioration in the quality characteristics of the vehicle due to repair work carried out after an accident. The paintwork and body seams of the car will differ from the factory ones after repair. Conditions for calculating vehicle insurance under compulsory motor liability insurance: the car is not older than 5 years, and wear does not exceed 35%.
The more expensive the car repairs carried out after an accident, the greater the value of the vehicle insurance.
In accordance with the law on compulsory motor liability insurance, you have every right to receive compensation payments for loss of marketable value!
3. We carry out an accurate calculation of the cost of restoration repairs at one of our service stations partners
Having undergone an inspection at one of our service stations, with the execution of all the documents required in this case, you will have a complete understanding of the extent of the damage caused to you in an accident. With a ready-made Expert Opinion, you will also receive a preliminary estimate of the cost of work at one of our service stations.
Many of our clients have already used this service, thanks to which they met the amount of payments for compulsory motor liability insurance. We also assisted them in obtaining high-quality car repairs.
EXPERTISE
REPAIR
The owner of a 2008 Ford Focus II, having contacted the single service “Evaluator-DTP.rf” and filling out a list of necessary documents, was not only able to receive additional payments from the insurance company under compulsory motor liability insurance, but also quickly and efficiently repaired his car after an accident for the amount not exceeding insurance payments.
In this case, the owner remained at a significant advantage, because the cost of restoring the car turned out to be less than the amount payable by almost 35,000 rubles!
Contact us and we will help!
If you want to know how much the insurer should pay you, call or leave an online application and we will contact you in less than 30 minutes!
We will assist you in preparing documents, receiving insurance payments after an accident, and will repair your car for an amount not exceeding compensation from the insurance company.
In accordance with the law, you have every right to monetary compensation from insurers for violation of payment deadlines and underpayment!
Contact the single service “Evaluator-DTP.rf” and we will advise you absolutely free! Our specialists are always ready to answer all your questions to help you understand your situation. Hotline phone: 337-15-22
Open seven days a week and holidays!
Free consultation by phone. 337-15-22 Call!
Assistance in obtaining insurance payment in case of an accident, compensation for damage
If you are involved in an accident (traffic accident), then most likely your liability and the other or other participants in the accident are insured in accordance with the Federal Law of April 25, 2002 No. 40-FZ “On compulsory insurance of civil liability of vehicle owners” (hereinafter referred to as the Federal Law), which is confirmed by the MTPL policy, if you are the culprit of an accident, the insurance company will pay for you, and if you are not the culprit of the accident, you can count on compensation for damage caused to your car (insurance compensation) by the insurance company (insurer).
Payment under compulsory motor liability insurance is carried out within the limit of insurance compensation (the maximum amount that can be paid under the compulsory motor liability insurance policy to compensate for damage from an accident), which today (2017) is :
in terms of compensation for harm caused to the life or health of each victim - 500 thousand rubles;
in terms of compensation for damage caused to the property of each victim - 400 thousand rubles.
The first thing to do in the event of an accident, complying with the requirements of the Traffic Rules: turn on the hazard warning lights, put up a warning triangle (at least 15 m from the car in a populated area, and at least 30 m outside populated areas), do not move objects, related to a traffic accident (it’s good if you have a video recorder, protect the last video file from erasing, perhaps it will be useful to you to prove that you are not the culprit of the accident, which will simplify communication with both the police and the insurance company when receiving payment under compulsory motor liability insurance), disembark all passengers, if there are victims, provide them with first aid, call an ambulance, notify the traffic police (contact details of the departments here) and the insurance company (telephone number is indicated in your insurance policy), this will allow In the future, if necessary, confirm the fact of the accident; if the vehicle does not interfere with traffic, do not change its location. See the algorithm of actions in case of an accident here. See the action plan in case of an accident here.
Whether or not to call the emergency commissioner is up to you, in our opinion, if everything is obvious (there are no disputes about who is at fault for the accident), it is not worth doing.
About the features IMPORTANT. registration of documents regarding a traffic accident without the participation of authorized police officers (Euro protocol or simplified procedure) read here =>
Traffic police officers, as a rule, do not arrive at the scene of an accident soon, so you have time to reflect as fully and accurately as possible the information about the accident that occurred and the damage and (God forbid, injuries) received by the car in the Notification of an Accident, the form of which was given to you simultaneously with the policy , if not, ask the person at fault for the accident or passing motorists.
Upon arrival, traffic police officers will have to draw up a certificate of the accident; carefully check the information included in it! If necessary, draw the employees' attention to possible hidden damage to your car, which should be reflected in the specified certificate.
Then you will be asked to go to the traffic police department in whose area of responsibility the accident occurred to receive a resolution or determination in the case of an administrative offense, which, along with other documents, will need to be submitted to the Insurer (insurance company) to receive insurance compensation.
Which insurance organization should I contact to receive insurance compensation?
If, as a result of a traffic accident, damage was caused only to the vehicles of participants in the accident and the accident occurred as a result of the interaction (collision) of two vehicles (including vehicles with trailers), the civil liability of the owners of which is insured in accordance with the specified Federal Law, in this In this case, the victim must apply for insurance compensation from his insurance company (direct compensation for losses) and nothing else. In other cases, you need to apply for insurance compensation from the insurance organization where the person responsible for the accident insured his liability.
The insurance organization will give you an application form, to which you will attach the documents necessary to make a decision on insurance payment, and will set a date for inspecting your vehicle, based on the results of which the cost of restoration of the vehicle will be determined.
If the vehicle is so damaged that it cannot move independently, or it is unsafe, or prohibited by the Traffic Rules, it must be inspected at the place where it is stored (parked).
Based on the results of the inspection organized by the Insurer, a representative of the insurance company is obliged to announce to you the amount of the insurance payment. If this amount seems insufficient to you, the Insurer is obliged to organize an independent examination (let’s immediately note that, as a rule, he does not do this).
If, based on the results of an assessment or an independent examination organized by an insurance company, the declared amount of the cost of restoration repairs or transferred to your bank account seems underestimated or small to you, you can contact an independent organization that will give you a different assessment or conduct an independent examination and determine the real the cost of restoration repairs to receive payment under OSAGO or CASCO.
If an independent examination (assessment) determines that the insurance company has underestimated the amount of the insurance payment, you must file a pre-trial claim with the Insurer, and if you are not satisfied with the decision, you can go to court for insurance compensation.
You can go to court both at your place of residence or stay, and at the location of the Insurer.
If you don’t want to deal with collecting the insurance payment from the insurance company under MTPL or CASCO on your own, you can contact us, our auto lawyers will provide you with all the necessary assistance in obtaining insurance compensation in case of an accident under MTPL or CASCO, we will organize an independent examination (assessment) of the damaged car, we will prepare pre-trial claim, we will prepare all the necessary documents, a statement of claim to recover payment under compulsory motor liability insurance, we will represent your interests in court, we will collect insurance payment (insurance compensation) from the insurance company.
Be careful when signing an application for payment of insurance compensation under MTPL! Unscrupulous Insurers include a clause on insurance compensation in kind, that is, instead of paying insurance compensation in money, you are given a referral for body repair of your vehicle to a vehicle service station (STS). This is more profitable for insurers, since the service station does not argue with the insurer about the amount of insurance compensation, and tries to compensate the difference between the cost of repairs, including spare parts, and the amount of the insurance payment at the expense of the victim, that is, you.
If you need the help of an auto lawyer, a lawyer for collecting insurance payments from insurance companies, when the insurance company does not pay, paid less, the service station does not begin repairing your car or delays repairs, requires you to pay extra for repairs, you need to change the form of insurance compensation , contact us, we will help you.
Below are answers to the most pressing auto insurance questions.
Assistance in obtaining insurance payments in case of an accident
In what cases do they contact us?
The DTPHELP24 Insurance Payments Center has been purchasing insurance claims under MTPL for more than 5 years.
Contact us if you have been in an accident, contacted the insurance company for compulsory motor liability insurance, but you:
• do not make payments under compulsory motor liability insurance
(they delay the deadlines, refuse to pay, or pay
an amount that does not cover the repair of your car)
• do not issue directions for repairs
(or refuse to repair your car due to
the lack of certified repair centers, spare parts, etc.).
3 reasons to contact DTPHELP24
Request a free consultation, send photographs of the damage remotely , and within 3 days you will receive from our company the missing amount of insurance compensation in full!
Receive payment under compulsory motor liability insurance without contacting the insurance company within 3 days , bypassing queues at the insurance company, filling out a bunch of different documents, as well as making an appointment for an examination and waiting for a specialist.
We take care of all the hassle of communicating with the insurance company, and you quickly receive your money! This is possible thanks to an assignment of claims, under which you transfer to us the right to claim damages.
How it
works?
We will pay you the damages under compulsory motor liability insurance in full within 3 days and will enter into an agreement for the assignment of rights of claim, according to which the amount of damage will be recovered by us from the insurance company. If your car was damaged in an accident and the fault lies with another person, you have the right to claim against the culprit of the accident. According to ch. 24 of the Civil Code of the Russian Federation Your right of claim can be transferred to another person under an agreement on the assignment of rights of claim.
Why do insurance companies
underestimate payments?
Insurance companies completely forget about their main function - to help people and provide protection when an insured event occurs. Often companies pursue only one goal - profit, and are guided by the principles of deception, trying to underestimate payments or refuse to pay at all. From here it becomes clear that the current car insurance crisis was created artificially and in the interests of a certain circle of people.
Assistance in receiving insurance payments
The Center for Legal Support for Policyholders provides legal services to its clients in obtaining the required insurance payments under MTPL and CASCO from unscrupulous insurers, regardless of the type of insurance and the amount of payments. Our company promptly resolves, in accordance with the law, any disputes with the insurance company and is ready to force it to pay insurance compensation in the event of an unreasonable refusal.
Services for individuals
Services for legal entities
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.
Why do clients choose us?
When an insured event occurs under an insurance contract, the policyholder is usually left alone with the culprit of the accident, the traffic police service and the insurance company, not knowing where to start in the struggle to obtain insurance and compensation. In this case, specialists from the Center for Legal Support of Policyholders (CLS) come to the aid of the policyholder, who from the first hours after the accident take control of the situation and provide free legal advice at every stage of the dispute with the insurance company.
TSYUPS lawyers will professionally prepare for you the necessary package of documents for the insurance company and monitor all deadlines for their registration. If the insurance company violates the terms of payment of insurance compensation, the specialists of the Center for Insurance Policy will draw up a pre-trial claim to the insurance company and send a copy to the Insurance Supervision Department, and will also monitor the timing of the insurance company’s response to the claim. If the insurance company refuses to pay you the insurance compensation provided for in the MTPL or CASCO agreement or other types of insurance, then our company will prepare a lawsuit and take care of all the legal details in the process of receiving insurance payments as soon as possible.
The TSYUPS company always develops a win-win strategy to protect the interests of its clients, guaranteeing receipt of required insurance payments in disputes with an insurance company on any type of insurance, including OSAGO and CASCO policies.
We are always glad to see you at the regional representative offices of our company at your place of residence or at the central office in Moscow, located at the address: Varshavskoye Shosse, 42, contact phone +7 (495) 543-03-03.
Insured event under compulsory motor liability insurance - what should the victim do?
Having a compulsory auto insurance policy does not guarantee compensation in the event of a traffic accident, because companies are in no hurry to compensate for losses. To receive money, it is necessary to recognize the accident as an insured event. But many drivers do not know by what criteria it is established. To protect your own rights, you need to study what an insured event is under compulsory motor liability insurance, how it is determined and how to receive compensation from your insurance company.
Concept and legislative framework
In accordance with Part 11 of Art. 1 of the “Law on Compulsory Motor Liability Insurance”, an insured event (SS) is the onset of civil liability of a motorist as a result of damage to property, life or health of another person during the operation of a vehicle. Everyone involved in the accident must have a valid agreement with the insurance company.
To determine an insured event in case of an accident, two criteria are used:
- object of insurance – motor third party liability of the culprit;
- subject of insurance – movement of a vehicle along a certain trajectory.
To recognize a case as insured, a combination of 3 factors must be present:
- MTPL insurance – every driver must have a valid policy;
- the fact of movement at the time of the accident;
- damage to property or health.
- The car caught fire from another car in the parking lot; each driver has an MTPL policy. Two conditions for recognizing a case as insured are present, but the fact of vehicle movement is missing. This means you can’t count on payment. If the lawyers prove that there was some movement, for example, of the doors (as a structural part of the car), then there is a chance to get money. But according to the general principle, this case is not included in the list of insurance cases.
- The car was hit by a fence while maneuvering to avoid another vehicle. In this case, the damage was not caused by another car, and the insurance company can classify this as a non-insurance event. In fact, this is a non-contact accident, and compensation is due here, but to obtain it, additional examinations will be required to prove the fact of the maneuver and the guilt of the other car.
Thus, an accident can occur under different circumstances, and in some cases it is necessary to know exactly how to act in order to receive money.
Types of insurance cases
There are two types of insurance cases:
In the first case, everything is clear - at least one vehicle must move, as a result of which an accident occurs. The insurance company protects the interests of the victim by paying him compensation for the damage received.
The second option for insured events is possible only if there is a corresponding clause in the contract or additional CASCO insurance has been issued. It could be:
fire or arson;
other damage caused by third parties.
Uninsured events
The legislation defines cases in which the company’s refusal to pay will be lawful. According to Part 2 of Art. 6 No. 40-FZ, the list of insurance risks is as follows:
damage caused by a driver who was not included in the agreement with the insurance company;
causing moral damage;
the emergence of an obligation to compensate for lost profits;
causing damage during a training trip, competitive or test events;
damage caused by cargo, for which separate insurance must be issued;
causing harm to employees during the performance of labor functions, provided that this damage is compensated by other types of insurance;
damage caused by the driver to the transported cargo or equipment;
causing damage during unloading or loading of transport;
causing a defect or complete destruction of unique items;
harm to passengers during their transportation, if the damage is compensated by another type of insurance.
What to do in case of a car accident
Algorithm of actions
The procedure to follow after a car accident is as follows:
Checking for victims in all cars involved in an accident. If they are, an ambulance call is required.
Call the State Traffic Inspectorate, who will issue a certificate, and notify your insurer.
Recording all the circumstances of the accident in a photo or video (it is important that everything remains in its place).
Conversation with witnesses, if any. Recording their testimony on camera and obtaining contact information.
Clearing the road from the car after the State Traffic Inspectorate officers arrive and draw up a protocol.
Checking and signing the protocol. Particular attention should be paid to the correct indication of the personal data of the participants in the incident, information about the car and policy details.
A visit to the State Traffic Inspectorate to obtain a certificate of initiation of a case or refusal of it.
Transfer of a package of documents to the insurance company (before the expiration of the five-day period after the accident).
Next, a day will be appointed for the examination, before which no repair work can be carried out. The amount of insurance payment will be established on the basis of this technical inspection report.
If everything is done correctly and the incident really falls into the category of insured events, it is possible to receive compensation in the form of:
payment for repair work.
Important! If the company refuses to compensate for damage, but the case is insured, you can seek fulfillment of obligations through the court.
How to make an application
The statement that an insured event has occurred does not have a legally regulated form. Each insurance company has its own criteria according to which the document must be drawn up, so it is better to write it in the company’s office.
There are also general requirements for information that must be contained in the application. This:
information about the participants in the accident (personal, passport and contact information);
information about the vehicle;
description of the insured event – structured with as much detail as possible;
listing the consequences that occurred;
details of the mandatory policy;
signature and date of document preparation.
List of documents
The following list of documents must be submitted along with the application:
driver's license of the policyholder and all persons specified in the agreement and having the right to drive the vehicle;
notification of an accident;
a certificate from the State Traffic Inspectorate regarding the initiation of a case or refusal;
documents for the car - STS and/or PTS;
receipts for expenses incurred (for example, payment for parking before the examination);
account details for transferring payments;
power of attorney if the applicant’s interests are represented by a third party.
Depending on the policy of a particular insurer, this list may be supplemented.
Contact options
The following list of documents can be submitted to the company:
by visiting the insurer's office in person;
sent by registered mail.
You can apply for compensation for damage:
by contacting the insurance company of the culprit;
submitting an application to your insurer (for direct compensation for damage).
The second option is relevant if:
the number of vehicles involved in the accident is at least two;
each driver has a valid MTPL;
The damage was only to cars.
Note! Unreported incidents are not paid by insurance companies. This means that if the drivers resolved the dispute on the spot and the culprit immediately handed over compensation, it is useless to apply for payment.
The package of documents along with the application must be sent to the insurer no later than 5 days after the car accident. The company has 20 days to consider the appeal, after which the policy owner must be notified of the decision.
If a refusal to receive payment is received or the amount of compensation does not suit the victim, legal proceedings can be initiated.
What payments can you expect?
In accordance with Art. 7 No. 40-FZ in case of a car accident, the injured party can receive:
up to 500 thousand rubles, if damage is caused to life or health;
up to 400 thousand rubles, if only the vehicle was damaged.
The final amount of compensation depends on:
results of examinations: technical, medical, traceological, traffic, etc. (depending on the specific circumstances of the incident);
vehicle characteristics: make, model, year of manufacture, actual wear and tear at the time of the incident;
driver class, region of registration and other MTPL coefficients.
Damage can be compensated in the form of:
carrying out repair work.
In the latter case, we are talking about service stations of the insurer. The decision to independently choose a master can lead to problems in receiving payment for the work performed.
Let's sum it up
The presence of compulsory motor liability insurance implies the receipt of compensation in the event of an accident. However, for this the case must be recognized as insured.
Basic conditions for receiving compensation:
availability of an object (automobile liability) and subject (vehicle traffic) of insurance;
a set of 3 conditions: the presence of a valid insurance policy for all participants in the incident, the fact of vehicle movement and damage to property or life/health;
It is possible to receive compensation without an accident (hijacking, theft, arson and other damage caused by third parties), if this is specified in the agreement.
To receive payment for an insured event, you must notify the State Traffic Inspectorate and the insurer about it, and also submit to the latter a request for compensation along with the established package of documents.
You should not count on money if:
the case is specified in Part 2 of Art. 6 No. 40-FZ;
the cars were not in motion at the time of the accident;
the driver was a person not specified in the contract, or the driver does not have a policy;
deadlines for submitting an application have been missed;
the car was repaired before the inspection by the insurer;
the car is sent for repair to a service station that is not a partner of the insurer (unless there is a prior agreement).
Thus, receiving compensation in the event of an insured event has its own characteristics. It is important for the driver to know about them in order to be able to protect his rights and be able to challenge the actions of a company that does not want to fulfill its obligations under the contract.
