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!