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What to do in case of an accident on Casco or OSAGO? Casco insured events Casco insurance company in the event of an insured event

Many car enthusiasts, having received a CASCO policy, mistakenly believe that from now on the car is insured in any case, and damage in any form and amount will be reimbursed by the insurance company. But in reality, the situation turns out to be different, and the UK may well refuse to pay legally.

Events recognized as insured events under CASCO are necessarily stipulated in the insurance agreement and its annexes, and with their occurrence, the insurer has an obligation to compensate for the damage caused to the insured car.

Therefore, before making an insurance transaction, it is important to carefully study the text of the agreement and the insurance rules of a particular organization in order to avoid misunderstandings and unpleasant surprises in the event of an accident.

Events related to insurance situations

Payment of compensation under the CASCO policy is provided for in the event of certain events classified as insurance, including:

traffic accidents (collision or collision, fall or rollover);
car theft/theft;
damage from the illegal behavior of other persons or as a result of damage by other persons through negligence;
damage from natural disasters (hurricane, landslide, flood, lightning, explosion);
damage from collision with birds, animals;
accidental hit on the vehicle of heavy objects;
mechanical damage caused to the vehicle while in the garage or in the parking lot.

When applying for motor vehicle theft insurance, it is recommended to provide coverage for the risk of not only theft, but also other types (robbery, theft, robbery). If only theft is noted in the document, and upon the occurrence of an insured event under CASCO, a criminal case was opened on the fact of theft (Article 158 of the Criminal Code of the Russian Federation), then the insurance organization has good reasons for refusing to pay compensation.

It is necessary to specify in detail in the agreement other possible risks. In different insurance companies, the risk of damage by fire can be considered an insured event only in case of arson, spontaneous combustion from a malfunction of the object, or regardless of the cause of ignition. The risk of damage by others may be due to negligence or only intent.

Non-insurance situations under CASCO

The list of non-insurable events can be significant and differ for different insurance organizations, which have the right to establish their own criteria for assessing accidents and classifying them as insurance situations. An indicative list of options may include:

theft of the insured vehicle, in which the vehicle documents (passport, registration certificate) and/or ignition keys were left;
theft of car wheels from the insured object and/or caps (decorative);
minor damage or chipping of the coating (paintwork) without damage to the assembly;
damage to wheel rims, tires, which is not associated with damage to other components and assemblies of the vehicle;
driving a car in a state of any type of intoxication (drug, alcohol or medication) or without a driver's license;
movement of the vehicle on sections that are not an integral element (part) of the road (on the coast, on ice);
receiving damage to the car due to an independent start of movement due to the lack of fixation with a hand brake;
changes and additions to the units and system elements of the vehicle (engine, brake system, fuel system, steering), for which there is no traffic police permission;
intentional infliction of harm, with the aim of obtaining compensation payments under CASCO.

Documents for applying to the UK for compensation for CASCO

Insurers often provide for any type of insurance situation a separate list of documents required for registration of an insured event under CASCO when considering the issue of obtaining compensation for the cost of damage.

In case of an accident, an accident scheme drawn up by the traffic police, a vehicle inspection protocol indicating the damage (damage) received, a protocol and a decision on the offense, a determination to initiate a case (if any) are required.

If a CASCO insured event occurred without an accident, but with damage from the illegal actions of other persons, then certificates from the territorial police department are submitted: a decision to initiate a case, a list of damage to the vehicle.

When a car ignites, fire service employees issue a fire report and an expert opinion, and the department of internal affairs issues a decision to initiate a case or to refuse to initiate it.

If the vehicle was damaged as a result of natural disasters, the IC will need a certificate from the Russian Hydrometeorological Service confirming the fact of these natural manifestations in a particular area.

The documents prepared by the client, together with the application for an insured event under CASCO, according to the form developed by the insurance company, are transferred to the insurer. The text of the application should describe in detail the data on the owner and the damaged vehicle, the types of damage, the place and circumstances of their receipt, which state structures were notified about the incident. Additionally, the desired forms of receiving payments (in cash, to a current account) are indicated.

An example of a sample application for consideration of an insured event under CASCO can be found

When submitting an application, it is additionally required to provide a CASCO policy, a (civilian) applicant's passport, a driver's license, documents for a car, a power of attorney for the right to represent the interests of the beneficiary (if any).
Next, you should expect the result of studying the situation and documents by the insurer. If the decision is positive, the compensation for the insured event under CASCO can be paid to the account of the service company with which the insurance organization has concluded a cooperation agreement for the repair of a damaged car.

Another option is to pay insurance compensation in cash to the client. In this case, the amount of damage can be calculated according to independent expertise, according to a calculation compiled by the insurer or provided by the client.

Less commonly used is the option of repairing the vehicle at a service station at the choice of the client. Invoices for payment of services are sent to the insurance company, cash withdrawals are not made.

CASCO is a voluntary type of insurance, and the list of risks for it is established by the insurer independently. Therefore, the insurance contract may not contain risks that are obvious in the opinion of the client, but not provided for by the insurance rules of the insurance company. In order to avoid losses or minimize them, it is important not only to be careful when making an insurance transaction, but also to clearly understand your own actions in the event of an insurance situation.

After receiving a CASCO policy, car owners believe that their car is insured against any troubles. That guarantees compensation for damage from the insurance company. In reality, this is not so. There are a number of situations where the insurer legally refuses to pay. Find out which cases are insured and which are not.

Legislative regulation

Car owners who have taken out voluntary insurance want to get a guarantee that in the event of damage to the vehicle or another insurance incident, they will be able to receive compensation for restoring the car in full. In order to avoid problems and disappointments in the future, you need to know what, according to the law, is an insured event.

Before signing the CASCO contract, you must carefully read the document. It usually spells out in which cases a citizen will be able to receive compensation for material damage.

All companies are required to act in strict accordance with the law when obtaining an autocitizen. The agreement sets out the standard conditions for receiving payments. When issuing a voluntary policy, the insurer may include its own list of risks subject to compensation. Other important circumstances that may affect the payment are also indicated.

In the Russian Federation, there is no legislative document at the federal level to regulate the list of CASCO insured events. Therefore, in order to obtain voluntary insurance, companies in their activities use the Law of November 27, 1992 No. 4015-1 “On the organization of insurance business in the Russian Federation”.

Based on this regulation, insurer companies can:

apply individual regulations and principles for voluntary auto insurance;
establish a list of insured events and risks;
approve the regulations for determining the amount of damage received, insurance payment, premium and tariff for calculation;
determine the course and sequence of signing and termination of the voluntary insurance agreement;
regulate the rules for registration of compensation for damage;
approve the list of reasons that are the reason for refusing to receive payment.

The approved rules regarding the procedure for payments under CASCO should not contradict the Civil Code of the Russian Federation and other regulatory acts of federal and local significance. When drawing up contracts, the conditions regulated by Art. 929 and 943 of the Civil Code of the Russian Federation. The adopted regulations of the company should be in the public domain and be available for review. Information is located in the offices of the company and on the official website of the company.

What are the criteria for a case to be recognized as insured under CASCO?

Before signing an insurance contract, all car owners need to find out which cases are included in CASCO in this company. In the future, citizens will not face non-payment of compensation when receiving damage.

We list the general situations that in a particular company are recognized as insurance:

damage to the car as a result of an accident, even if the driver is the culprit of the accident;
explosion or fire of transport;
collision with an obstacle or animal;
material damage received as a result of natural disasters (strong hail, hurricane, flood, etc.);
auto theft;
heavy objects falling on the machine (brick, wood, icicle, poles, etc.);
the car was severely damaged and cannot be restored;
destruction of a car as a result of the actions of vandals, hooligans;
damage to transport by large or wild animals;
destruction of the windshield when hit by a stone.

Vehicle damage can occur in a variety of situations and for many reasons.

The insurance contract specifies not only possible cases, but also the reasons when incidents will be considered insured.

Here are some examples:

The agreement states that the damage will be compensated if the car spontaneously ignites. This means that in other cases it will be impossible to obtain compensation.
The insurer may specify in the contract that the payment of compensation for a stolen car will occur only in the event of the theft of an object from a garage or a guarded parking lot. It turns out that if the car was stolen during a temporary stop, then there is no point in counting on compensation for damage.

In addition, companies can establish a rule that upon receipt of certain damages, a certificate from the traffic police or the Ministry of Emergency Situations is required. .

In addition, you need to check with the managers of the insurance company in advance when you can receive a payment without issuing a certificate of an accident. Usually there is less paperwork if the damage to the car is minor (dents, scratches). In this case, the parties draw up and apply for compensation to the insurer.

Registration of compensation

Car owners must comply with the terms and procedure for contacting the company. Only if all conditions are met, you can count on compensation for damage. It is necessary to adhere to the general algorithm of actions:

Notify the company	You need to notify your insurer of the accident as soon as possible. The agreement contains phone numbers and details of a manager who can be contacted in case of an unforeseen situation.
Collect a set of documents	This is the main list of forms for presentation to companies: application (it will be issued by the company); identity document of the applicant (passport); driver's license; documents confirming the ownership of the blank on the car (STS, PTS); CASCO agreement with the company (original) and a receipt for payment of the policy; power of attorney, if the interests of the owner of the car are represented by his authorized representative. In addition to the standard list, additional papers and certificates may be required. It depends on the incident. For example, in the case of theft, you need to get a certificate from the police about the initiation of a criminal case on the fact of the loss.
Contact the company	After that, you can apply for compensation. An application of the established form is written in the office, and prepared documents are attached.

You need to be careful with paperwork. If the car owner submits an incomplete set of documents, this will give the insurer a reason to refuse to pay or reduce the amount of compensation.

In case of significant damage, it may be necessary to inspect the car by a representative from the insurer. Most often, you will not have to present for assessing minor damage (scratches, minor chips, dents).

After accepting the application for consideration, the company's employees must mark that the appeal has been received. After that, during the regulated period, the submitted papers are checked, the damage is assessed, etc.

When the insurer has no doubts and disagreements, the following options are possible:

if monetary compensation is required, then it must be transferred within 15-20 days;
if a repair is provided, then within 2-3 days the client is given a referral to a car repair shop with which a service agreement has been concluded (the owner of the car does not need to pay anything, it is only required to deliver the car to the service at the appointed time).

When repairing, the workshop staff must supply new parts. If you notice that the repair was performed poorly, then you need to write a claim to the insurer company. And its employees must resolve the dispute with the service center.

Deadlines for claiming compensation

Citizens must apply for CASCO insurance within the time limits established by the company's internal regulations. Therefore, you must adhere to the deadlines specified in the rules of the organization and in the signed agreement.

Usually car owners are given 5-14 days to apply for a payment.

You need to apply to the insurer for compensation for damage within 3 years. After the expiration of the statute of limitations, it will be problematic to receive compensation.

Within three years, you can apply to the institution for payment. But do not put off the application until the last day. After all, transport cannot be repaired until the manager has inspected it. If the owner makes repairs at his own expense, then the representatives of the company will not be able to assess the damage caused, which means that the payment will be denied.

After the expiration of the statute of limitations, you can apply only in case of good reasons for missing. For example, if a person was on long-term inpatient treatment and a course of rehabilitation. To do this, you need to attach supporting certificates from the hospital. A certificate of the cost of treatment is useful if a citizen has insured his life against such incidents.

What cases are not recognized as insurance

Usually, company managers immediately announce a complete list of non-insurance situations when compensation is not due. This list may vary from company to company.

Here are the most common situations:

the accident was the fault of the driver;
the owner of the car did not notify the insurer in a timely manner of changes in personal data, information about transport, operating conditions of the car, damage to the alarm system (these parameters could affect the degree of risk of insurance);
the car was stolen along with the documents (PTS and STS were stored in the glove compartment);
the car owner has lost a spare set of keys;
the rules for the operation of transport were not observed (for example, the object was used for other purposes - in a taxi or for a training ride);
damage to the car was received outside the Russian Federation;
the citizen was driving in;
the car owner intentionally damaged the car in order to receive a payment (for example, he broke the headlight glass or scratched the doors);
the transport was stolen due to the fault of the driver (for example, if the ignition key was left in the lock, or forgot to close the car door, which contributed to the success of the hijackers);
the car owner did not write a statement to the police about the theft of the car, because the employees of the institution did not initiate a criminal case;
transport did not move along roads (for example, on ice on a river);
changes have been made to the design of the car without the consent of the traffic police;
technical inspection was not carried out in time, so the damage was received due to a malfunction of the machine;
the car was confiscated by court order.

In addition to the above cases, the insurer may refuse to pay out if the car owner has an expired driver's license.

What to do if the payment is denied?

Unscrupulous insurers are trying to avoid paying compensation for CASCO. If the client does not agree with the refusal or the amount paid, you can perform several actions:

receive a written refusal from the company indicating the grounds in the negative response;
make sure that the grounds for non-payment of compensation are legal (if necessary, involve a car lawyer in the process who will evaluate the contract);
contact a specialized company for an independent examination;
send a pre-trial claim to the organization (in it, make references to the norms of the law to review the disputed issue and ask for an additional payment based on the results of the examination);
contact the supervisory authorities to resolve the conflict.

If the insurer or regulatory authorities did not satisfy the requirements of the owner of the car, then he needs to go to court. When considering a statement of claim, the judiciary will take into account the available evidence. If the judge takes the side of the applicant, the company will have to pay not only the amount of damage, but also the client's expenses for an independent examination.

To avoid unpleasant situations, car owners need to follow simple rules. Carefully study the CASCO insurance contract before signing. Operate the vehicle strictly for its intended purpose. Comply with all the conditions of the signed document.

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Taking out insurance for many motorists reassures, as a guarantee of protection against all possible cases. But CASCO insurance differs from OSAGO in several ways. In order to correctly insure the car, having provided for all cases, you should know the rules for the occurrence of an insured event under CASCO.

What is CASCO insurance?

OSAGO insurance is a prerequisite for registering a vehicle, while CASCO is a voluntary desire of the client to protect himself from unpleasant situations.

By issuing CASCO, the client receives a guarantee that in case of damage as a result of certain incidents, they will receive compensation.

To do this, you need to know the list of risks. In some cases, the IC enters into the contract certain cases that are compensated by CASCO. There are also various nuances that should be taken into account when drawing up a contract.

What does the law say?

Unfortunately, the legislation does not contain a special list of insured events for CASCO. But voluntary insurance is regulated by the Law of the Russian Federation of November 27, 1992 No. 4015-1 “On the organization of insurance business in the Russian Federation”.

This document gives the insurer the right to:

establish rules for voluntary insurance;
determine the necessary list of insured events;
establish the procedure for compensation for damage under the contract, the tariff and the amount of the premium;
approve the drafting of the contract and termination;
determine the procedure for payment of compensation for damage;
indicate the list for refusal of reimbursement.

All rules introduced by the company should not infringe on the rights of the client and not contradict the Civil Code of the Russian Federation. Also, the drafting of contracts is regulated by Articles 929 and 943 of the Civil Code of the Russian Federation.

The rules for drafting the contract and the list of cases should be freely available to interested customers.

What event will be considered insured?

Before you sign a document for a policy, you should find out the full list of insured events in order to receive compensation and not pay huge amounts out of your own pocket.

The following situations are foreseen:

In case of damage to the transport during a traffic accident, even if it was the fault of the insured.
Vehicle fire or explosion.
Hitting any obstacle or animals.
Damage resulting from a natural disaster - a hurricane, flood, landslide, earthquake.
Heavy objects falling on the car - poles, icicles, fragments of a hinged visor, trees.
Car theft.
Total destruction of transport.
Damage by large and wild animals.
Damage by third parties.
Parking damage.

It is necessary to pay attention both to the insured events themselves and to the reasons for their occurrence. If the contract specifies spontaneous combustion of the car due to wiring, then compensation will not be received due to arson. Other organizations provide for the theft of vehicles from a garage or guarded parking lot.

In what situations is it impossible to receive compensation?

In addition to insured events, the document must contain a list of non-insured events.

Basically, the following situations are envisaged:

if the accident was the fault of a driver who is not listed in the policy;
if the client did not provide information that has undergone changes - personal data, registration information about the vehicle, changes in operating conditions, breakdown of the security system;
car theft along with all documents;
if the scratch is minor and there is no deformation;
if there has been a violation of the terms of use of transport, for example, as a taxi;
participation in races;
if the damage was outside the Russian Federation;
if the client was under the influence of alcohol or drugs while driving;
no set of keys
if the client himself damaged the car in order to receive compensation;
if the theft was committed through the fault of the driver - forgot the keys in the ignition, left the door or windows open, lost the key fob;
damage to the tires or rims of the car if other parts remain intact;
if the fact of the theft was not reported to the police and a criminal case was not initiated;
driving not on highways - for example, a car sank while crossing a frozen lake;
if changes were made to the vehicle without the consent of the traffic police;
theft of vehicle wheels;
if the damage was caused by a malfunction of the machine;
if the car was taken by court order.

Actions in case of an insured event

At the stage of registration of the CASCO policy, the manager of the company is obliged to explain the procedure for the client in the event of an insured event.

Procedure for the client:

In the event of an accident that is included in the terms of the policy, it is required to call the traffic police.
Get copies of procedural documents, including the act and resolution.
If the culprit is not the client, then it is better to apply for an OSAGO policy.
If the vehicle is damaged or stolen by third parties, call the police.
In the event of a car fire, emergency personnel should be involved. Get their opinion on the causes of the fire. If there was arson, then you should call the police.
If the car is damaged by natural disasters, you should obtain a certificate from the weather service.
Notify the insurance company of the insured event within three working days. It is better to do this immediately after an accident or other reason.
Submit an application along with a package of documents.
Provide the car for inspection and damage assessment. The vehicle cannot be repaired until the reimbursement is received.

Required documents

There is a standard set of documents for receiving money:

client's passport;
claim for damages;
vehicle registration certificate and technical passport;
active CASCO policy;
a copy of the protocol and resolution from the inspection staff;
an act on the fire and the cause of the occurrence from the employees of the Ministry of Emergency Situations;
a decision to initiate a criminal case from the police;
information about adverse weather conditions.

How to write a claim for a refund?

The application for compensation is written in free form and is not regulated in any way. You can also take a form from the insurance company. However, there are certain points that must be included in the application:

The name of the insurance company and the data of the head.
Personal data of the insured and registration address.
Request for damages.
Description of the insured event.
If there are participants in the event, you should specify them.
The nature of the damage to the vehicle.
List of documents that complement the package.
Details of the client's account, if the payment is in money.

The application should be written in two copies: one for yourself, the other to give to the insurance. This will help to avoid unpleasant situations and prove that the policyholder wrote the application at a certain time.

How is the arrangement?

Registration takes place in several stages:

in the event of an accident, a traffic police officer or a police officer is called;
a protocol is drawn up;
take a picture or record a video of the damaged car and the cause of the insured event;
notify the insurance company.

Experts advise you to first call the UK, and only then call the traffic police and other authorities. Of course, if there is a fire, then the fire brigade is called first.

Natural phenomena, as a result of which the transport is damaged, is also drawn up by a police officer.

When eyewitnesses are at the scene of the incident, their data and testimony should be filled in. If the client files a complaint with the police, the wording “I consider the damage is not significant”, “I have no claims” should be avoided. Such proposals may serve as a refusal to initiate a criminal case and as a result of the refusal of insurance.

What is the procedure for damages?

There are two ways to compensate for damage: cash payment or payment for repairs in a specific service station. Terms can vary from 15 to 30 business days. If the car was stolen, then you will have to wait about two months if the investigative measures of the police do not lead to the identification of the culprit.

What will be the compensation if there is a franchise?

CASCO is an expensive service, which is why many insurers issue a policy with a franchise. In this case, the owner of the car must pay a certain amount towards the damage. The larger the franchise amount, the lower the policy premium. The part of the costs that the client pays is chosen by him.

What is the turnaround time for compensation?

The legislation does not regulate the terms for applying for damages. These terms are specified in the documents of the insurance company when issuing the policy.

Key dates:

Damage to glass elements, without calling the traffic police - no more than five days.
Damage to the body without the participation of employees of the state traffic inspectorate - no more than five days.
If there is a protocol from the police and inspectors - within fourteen days.

Also, remember that the statute of limitations is three years. After which, the client will not be able to claim the resolution of the issue. It is better not to delay the application to the insurance. It is impossible to repair the car before the appeal, otherwise the insurance company will refuse to compensate for the damage. Since after repair it is almost impossible to prove the presence of damage.

After this period, those drivers who were injured in an accident have the right to apply. The client must provide certificates from a medical specialist. Such a certificate is needed if the life and health of the owner and passengers are still insured under the contract.

What to do if the insurer understates the amount of payment or refuses to pay?

It is not uncommon for a company to try to understate the amount of the payout, hoping that the client will agree with their requirements.

If the conditions of the company do not satisfy the insurers, then he can conduct an independent examination and demand payment in a pre-trial order.

If the insurance evades payment, the client has the right to go to court.

If a decision is made in favor of the plaintiff, the insurance company is obliged to pay compensation in full, as well as pay the client's expenses for the examination.

Sometimes companies look for a reason to refuse. Arguments may be if the citizen who damaged the transport is not identified. Then the insurer cannot make a claim for compensation to the accident official, and presents this as a refusal to pay. Then you have to go to court.

In the event of an insured event for a hull insurance, in order to avoid a refusal to compensate for damage, it is important to follow the correct procedure provided for by the "Casko Insurance Rules" and the "Insurant's Memo" - both the first and second documents are issued to the insured when issuing a hull policy. Casco insured events are processed in almost the same way in each insurance company, and usually the procedure differs only in minor nuances.

In this article, we will consider actions in case of an accident under hull; we will describe which cases can be recognized as insured and which are not; and also consider the order in which you should apply to the insurance company for hull insurance; what documents and certificates will be needed for applying, and what application will need to be written.

What applies to insured events?

In almost every insurance company, the hull policy differs in individual conditions and features, so the list of insured events may differ from company to company. However, almost all hull insurance policies cover such categories of risks as related to a traffic accident and not related.

As a result of an accident

Insurance companies and insurance rules under a traffic accident understand all the situations on the roads that led to damage or complete death of the car. Some insurers sell casco for accidents on the same set of risks as OSAGO. Others omit the full list to reduce the likelihood of their losses, and include a limited number of risks in the program. The most common are:

Accidents on all types of roads;
Collision in the yards of residential buildings;
accidents in parking lots and parking lots;
Causing damage during the operation of the tow truck;
Damage to the car by road workers.

The list of risks related to traffic accidents is subject to change. It is indicated in the contract along with a list of spare parts and machine structures that may be subject to replacement or repair under hull insurance in case of an accident. The contract will indicate a list of cases when, after an accident, the insured will not be able to receive compensation (drug / alcohol intoxication, lack of a driver's license, etc.)

No accident

A Casco insured event without an accident is any situation that is not related to the movement of the car. Depending on the program, a voluntary insurance policy may protect against the following risks:

Damage from natural disasters;
Damage from illegal actions of other persons;
Damage caused by other persons through negligence;
Damage from collisions with animals / birds;
Damage from falling heavy objects;
Damage from spontaneous combustion;
Cases of theft, theft and robbery.

Casco agreements also provide for cases that may cause a denial of payments even if an insured event occurs. The most common non-insurable hull insurance cases include the theft of a car in which a passport, car registration certificate or ignition keys were left. They will not pay the full amount of compensation for minor damage with minimal damage if a policy is issued with a deductible, as well as for intentionally causing damage to the car in order to receive compensation.

Actions in case of an insured event under Casco

Every car owner should know what to do in case of a hull insurance event. Depending on the situation that led to the damage to the car, the list of actions may vary. If the car was damaged while driving or from a situation that fits the meaning of a traffic accident, the policyholder must:

Notify the traffic police or the police about the fact of an accident or emergency for documenting the incident - drawing up a protocol. After that, you immediately need to call the UK and report the occurrence of an insured event. The operator will register the appeal and, if necessary, advise on further actions.
Do not move the vehicle before the arrival of the traffic police and do not make minor repairs - this may affect the pattern of the incident, and be perceived by the insurer as an attempt at fraud.
Do not say anything superfluous to other participants in the accident. If several parties, third parties, were involved in the accident, it is not recommended to discuss with opponents the possibility of compensating for damages bypassing the standard procedure - this can also be regarded as an attempt to cheat in relation to the UK.
Take a photo of the scene with your mobile phone. If possible, be sure to photograph the result of the accident from different angles so that the IC does not have additional questions. The more detailed the case is presented, the less likely it is to be denied compensation.
Describe the scheme of the incident to the traffic police. Upon the arrival of authorized employees, it is important to describe in detail the scheme of the incident for the record and make sure that everything said was recorded in accordance with the words of the insured. The owner of the vehicle must sign the protocol only if he agrees with what is written in it.

A hull insurance event without an accident also requires contacting the traffic police or the police. Next, you need to inform the insurance company about what happened, ask questions about further actions and follow the instructions of the IC employees. If harm is caused to health, you should immediately contact a medical institution or wait for an ambulance on the spot.

Registration

The client must notify the insurer of the insured event on the day it occurs, if possible immediately after calling the traffic police or the police. A representative of the company will tell you in detail how to act, what documents you need to prepare in order to receive the full amount of insurance. Registration of an insured event is regulated by the insurance rules, and the procedure is described in the policyholder's memo.

Terms of circulation

When a car insured under hull insurance is stolen, its owner must immediately call the insurance company, give his name, policy number, state sign number of the car, provide maximum information about the event. Within 3 days, the car owner must write a hull insurance application, provide documents, certificates, conclude an agreement with the insurer in case the car is found after receiving compensation.

If the vehicle is damaged in an accident, the driver must contact the company no later than 1 day from the moment of the event, providing his personal data, policy number, information about the accident, the nature of the damage to all cars, information about the participants, if the accident involved victims. Within 5 working days, the driver of the insured car must submit the necessary documents to the company. Casco for all other events must be applied for within the same time frame - no later than 1 day for notification and no later than 5 days for submission of documents and writing an application.

Required documents

Within the period allotted by the insurance rules from the moment of the insured accident, the driver of the insured car must collect the package of documents provided for by the contract and submit them to the insurance company. You can check the list of necessary certificates with the insurer. But usually the policyholder needs to provide the following documents upon the occurrence of an insured event:

The passport;
Driver's license;
Registration for a car (STS, PTS);
Insurance contract and policy;
Application for payment of insurance compensation;
Scheme of an accident or emergency, certified by the traffic police.

A wide list of insured events increases the list of required documents. The insurance company may require additional documents not provided for in the above list. In case of hijacking, in order to receive compensation, a copy of the document on the initiation of a criminal case is required, in case of fire - a certificate from the Ministry of Emergencies, the conclusion of a fire examination, in case of a natural disaster - a certificate from the Hydrometeorological Center.

Statement

The driver (insured) of the insured car must write to the company an application for receiving insurance payments for hull insurance within the prescribed period. The application is made on the letterhead of the insurer, so the form of the document may differ from company to company. But the basic information, without which compensation will not be paid, is common to all insurers. These include:

Surname, name, patronymic of the applicant, passport details, phone number, e-mail;
Information about the vehicle (license plate of the car, VIN, data of the driver who drove the car);
Description of the incident (time, place, circumstances under which the damage was caused, enumeration of damages, scheme of the incident);
Information about the notification of state bodies (traffic police, police, Ministry of Emergency Situations).

In case of theft or theft of a vehicle, insurers offer to fill out a special form, in which, in addition to the above items, it is necessary to indicate whether the car was taken on credit or leased, whether the driver of the insured car is a foreign citizen, whether the vehicle is additionally insured in another company. Depending on the terms of the Casco contract, the policyholder must indicate in the application either bank details for transferring payments, or the name of the service station where the vehicle needs to be repaired (except in cases of theft/theft). You can familiarize yourself with the application form of one of the insurers at the link.

Notice

If the insured car has been involved in an accident, the driver is required to fill out an accident notice in order to receive compensation for damages. The notification form was approved by Bank of Russia Regulation No. 431-P dated September 19, 2014 “On OSAGO Rules”. It is issued to each client upon purchase of an OSAGO and Casco policy. The notice must contain exact information about the accident, the driver's personal data, the number of the insurance contract, information about other participants in the accident, and the nature of the damage to the vehicle.

The document is required to be completed in order to receive an OSAGO payment, but it is not always mandatory for a Casco reimbursement - only if it is provided for by the contract or insurance rules of a particular insurance company. In order to avoid mistakes when filling out and in the future to exercise their right to settle an insured event in a simplified manner, insurers recommend using the instructions.

Reimbursement

A recognized Casco insured event gives the right to receive compensation in the form of a cash payment or car repair in a service station. To assess the resulting damage and calculate the amount of payment, an examination of the damage to the car is necessary. To ensure the objectivity of the examination, it is recommended to re-assess the damage using the services of an independent expert or appraiser. If there is a significant difference in the results of the examinations, the insured has the right to file a claim against the insurance company.

If the amount of compensation calculated by the insurance company suits the client, it remains only to agree with the company's decision and wait for the payment to be received. If you managed to draw up everything correctly, then compensation for damage under the hull can be received within 7-14 days from the date of transfer of the full package of documents to the UK. The term for consideration of the application may not exceed 30 days, unless otherwise provided by the contract.

Conclusion

The actions of the car driver in the event of an insured event will depend on the risk from which the vehicle was damaged. Mandatory are calls to the traffic police or the police and notification of the insurance company by the client. Further actions may be dictated by the recommendations of the insurer. To receive payments for a damaged car or its repair at a service station, the client must submit a complete package of documents to the company no later than 3-5 days from the time of the incident.