Compensation for injury to the CTP - What You Should Know or where to go

With the entry into force of the 2003 law on compulsory motor TPL insurance, car owners were able to solve the problems of civilized restitution of damages as a result of an accident. But it is worth noting that as long as one does not will be in an accident, he is weak, what and how to do. We, of course, remember that you need to call the traffic police inspector, but that our knowledge ends. Let's try to figure out what to do in such a situation, and what gives us the benefits of CTP insurance policy.There is a so-called "evroprotokol" - a simplified procedure for registration of an accident, without the traffic police.

However, such a design has several limitations:

in the accident should not be affected;

in an accident involving two cars;

Motorists are required to come to the same opinion;

sum payments can not exceed 25 000.

But it is worth noting that there were no problems later, an accident is better to make out as normal.

When the accident happened, then there are two possibilities of the situation.

The first - a "direct compensation for CTP" when you are applying for compensation for damages to your insurance company. Limits on payments to such treatment are the same as when you contact the debtor.

Second - this appeal to the insurance company the culprit.

If you have an accident, you should call the traffic police and inform your insurance company about the accident happened.

1. Before the arrival of traffic police and the insurance commissioner will be good if you have the opportunity to take photos of the incident an accident and find witnesses.

2. Next, you must fill out the notification of an accident, or your total. It can be filled and later (for five days), but it's getting harder. The form is issued at the conclusion of the insurance contract.

3. Inform participants of the accident your data (the insurance company, policy number, telephone numbers).

4. To record such data participants of the accident.

5. Get help in the traffic police about the accident, a copy of the protocol on administrative violation, ruling in a case concerning an administrative offense or failure.

6. If the culprit is installed, it must, within fifteen days to send to the insurance company notice of the perpetrator of the accident and help traffic police, better by mail, ensure that you have the documents to send.If the culprit is not installed, please send your insurance company reported accident, it is best certified mail.

If you are responsible for an accident, and agree with it, then send a notice of the accident to your insurance company.

If all of the documents the insurer organizes independent examination to assess damage. The victim provides their car for inspection and calculating the cost of repair. The results of the examination are included in the package.

Under existing legislation, CTP insurance companies reimburse the damage in a limited amount.

Thus, compensation for damage to life and health, the size can not be more than 160 thousand rubles for each victim.

To compensation for damage to the property of several persons - no more than 160 000.

To compensation for property damage to one victim - not more than 120 000.

If the damage is a large amount, the difference you will have to collect from the guilty in court.

To consider the application provided the insurer fifteen working days of the filing of all documents. During this time, the insurance company must make an insurance certificate and three days to make payment. In conclusion, it is worth noting that if you have any doubts about the objectivity of the evaluation, you can spend your independent examination, and if the insurance company refuses to accept the results of this examination, you may apply to the court.