Paintwork of the vehicle - both an accident

Buying a hull insurance policy, we often think that if he needed us and then on some special insurance in case: UFO falls from the sky and flatten our "Maybach" in the cake or drunk neighbor will write on our "Cadillac" key from the apartment all what he thinks about our alarm systems, and at once on all body parts. But insurance is not always the case expressed so big. Very often turns out to be just a damaged car paintwork.

About half hull insurance payments are paid to paint damaged, scratched and old tired elements of the machine. That is, a large number of insurance cases suffers car paint coating (LCP).

Paint of your vehicle: an insurance case has a special care

There are two options under hull insurance claim if you caught an accident:

Payment of money equal to the cost of repair;

Proper repair of damaged items to the service station to which the insurance company has signed an agreement on payment for repairs designed cars.

Also, there are two options as an insurance in case the insured for damage to the paintwork of car:

Call the police or traffic police to the scene and make inquiries and report on the incidents, perpetrators and recorded injuries, including car paint coating. If your hull insurance policy provides an option of payment without reference at a damaged body parts once a year within a certain amount, you can call the emergency commissioner, record and photograph the damage, and then to come to an insurance expert and demonstrate the benefits department of your car is injured.

Car paint coating: a very important detail!

A very important detail is your actions as Client insurance company after an accident is decorated, and the insurance compensation is paid or granted in the form of repairs (painting) of the affected element of your machine. So, you somehow regained their paint of your vehicle. Your immediate next action should be to survey the repaired car to the insurance company with the obligatory photography. The machine must be perfectly clean, and photos with up dating shots. And I must be the act of re-examination of the insured car after his recovery AUTOCASCO.

Otherwise, you run a high risk that if an insured event will come next, paint of your vehicle you will have to restore at your expense - it will not restore fotodokazatelstva car insurance after a previous incident.

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Payments for motor hull insurance

Failure to make payments on the hull - is illegal, even if the circumstances of damage to the machine is not set.

Whoever messed up the car - the money returned. Motorists can breathe freely now receive payments hull easier. This will affect those situations where the circumstances of damage to the machine is not set. At the very least, the precedent created. In general, the tone asked the Federal service, which is engaged in the financial markets. It FFMS, analyzing the main reasons for which the insurers refuse to make payments under the hull, drew attention to the non-recognition of the illegality of the insured event damage to the vehicle, if the circumstances of the police damage to the machine is not set. They are also supported by the court.

One precedent, as the beginning of change insurance practice

Judicial precedent has arisen because of the failure of "Rosgosstrakh" to pay compensation to its insured on the hull. The client company found his car damaged. Caused by the police could not find out who damaged the car under what circumstances it happened. Mostly, the second fact has led to a refusal to institute criminal proceedings. But no matter - there is no money. Therefore, when the insurer sought reimbursement in the "Rosgosstrakh", the experts of the company have decided that in such circumstances is impossible to determine whether this is an insurable event. So payments hull had not been implemented.

But not always the insurer's decision is final, even if the circumstances of damage to the machine is not set. It was in this case. Federal service that monitors the financial markets, has agreed with the arguments of the client and the insurance company sent a "Rosgosstrakh" instruction to reconsider the denial. But insurers have decided to defend their position by referring to the court. But the court sided with the insured and the Federal Financial Markets Service because just in insurance regulations stipulate that if a third party were committed against the illegal actions of the car, it is considered an insured event. A car is damaged by such actions and are, even if the circumstances of damage to the machine is not set. This follows from the decision of the police, which contains a refusal to prosecute.

There is another important point, which drew the attention of the court. If you objectively consider the insurance contract, the payment of hull related to the risk of "damage" are produced, under what circumstances would this damage occurred either. And if so, even when the circumstances of damage to the machine is not installed on the hull of payment must be made.

What do insurers think?

For all the logic of the Court and the Federal Financial Markets Service, the insurers are objections. And up to this precedent, the insurance companies in these cases were denied benefits. They explain their position that the damage to the machine if the circumstances are not set, and the risks can not be determined. In addition, in such situations, the insurer has no right to subrogation, and this is another argument in favor of non-payments.

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Vehicle theft: actions and insurance

Actions for stealing cars to negotiate with the insurance company where you purchased insurance against theft or full CASCO.

Stealing - it's a real tragedy for the vehicle owner. Resentment and confusion often bad advisers in this situation: not finding his "iron horse" on the spot where he had left it, the owner of the car often panics or stupor. However, insurance against theft motorist should inspire confidence in the full protection of, if not the car itself, but the funds invested in it - to the fullest. Below, we'll cover the basic right of action for stealing a car from the point of view of the insurance company:

Not finding your car in a place as quickly as possible to call the police (usually 02, but each region has its additional duty of the room in which it is easier to get through) and report the fact of loss of the vehicle. In addition to making a quick orientation to the database on your car, this action when the alleged theft of the machine will help to clarify the situation, because it happens that the car taken to the car pound for a particular violation, and the owner is in the full confidence that his car stolen.

Then you need to check out all the sets of keys and vehicle documents. The biggest mistake, in terms of companies offering insurance against theft of vehicles is to store documents on the machine and a second set of keys in the car, because in such a case would be extremely difficult to prove that a malicious abduction machine.

Then you should contact your local police department and write a statement about the theft (theft) of the vehicle. In this case, the car owner in his arms give out a signal pass-notification of acceptance of the application, but no official papers did not provide.

Over the next two days from the theft need to notify the insurance company about the theft of the machine, ideally it should be done in person, riding up to the nearest office or the department of payments. If this is difficult, it is necessary to report on the phone and be sure to record exactly who took this information and clarify your next steps. In addition to papers from the police to the insurance company will need to provide all the sets of keys from the car and trinkets from alarms, vehicle documents and, of course, passport, driving license and your insurance policy against theft and damage to your car.

Within 10 days, the police will issue a decision to initiate a criminal investigation into the theft of the machine that you want to give your insurer. Initially, the police initiated criminal proceedings under Article 166, involving a car theft without intent to seize that the insured event is recognized. If within 10 days of the car is not found, the criminal case will automatically be re-qualify to Article 158 of the Penal Code and read about stealing a car that falls under insurance against theft of the vehicle. However, the car owner must also follow the correct wording of the offense under the Act, he will take his insurer. Otherwise, you can either get a waiver of the insurance compensation, or to spend on paperwork with the police too much time and effort.

Further actions during the hijacking depends on the individual circumstances of the case and must negotiate with your insurance company, which was formalized insurance against theft and damage to the vehicle.

Typically, the insurance payout on the occasion of the insured vehicle theft carried out within 30 days after the signing of the insurance act. The act of signing the insurance payment after receiving all the necessary documents upon the insured event. Most often, the last required document is the decision to suspend the criminal case, which is issued about two months after submission of the application for stealing cars. Then should not be an unpleasant surprise to the fact that the payment for insurance against car theft is made less depreciation amortization (approximately 1% of the cost of the machine for each month that has passed since the first day of the term of the policy CASCO). Even if the insurance company for damage to cover losses excluding depreciation, insurance against theft that necessarily entails retention of obsolete machine wear.

In conclusion, the traditional wish you peruse these actions at stealing just for their theoretical knowledge and have no reason to put them into practice!

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