Who is eligible to get a insurance payout?

Well, let's say you're driving a car that was bought from a relative a long time ago, but did not have time to remake itself documents, because all of your insurances you mean the insurer and the owner of it. But here there was an accident - whether under hull, or CTP, or DSAGO - it does not matter. You go to the payment of the insurance, and it takes you and says that the money can only pay the owner of the vehicle. And how you do not make sure that your machine for a long time - did not help. The fact is that the insurance is valid one rule: the payment is made to the person who has a pecuniary interest in the insured property. Well, that is the owner, whose rights are spelled out in the Civil Code and everywhere. 

A policyholder, well insured? Terminate the contract, or make changes to it, you can, well, because you pay policy. A payment of an insurance case - no - it's not legal. However, since we live in Russia, where there are always ways around in all that relates to the laws in our case, too, is not hopeless. There ulovochka - go to a notary to issue general power of attorney (so that it is straight separately prescribes your right to receive payment in lieu of the owner) - and all will be under the law, and brilliantly simple. The same goes for insurance of apartments, houses, boats and mobile phones. And yet, this mechanism is very often used with payments to banks insured credit repair machines - they make a power of attorney to his client, according to her, he gets the money for repairs.

Do you know why so many court cases related to insurance? Because of its essence in a contractual relationship. And in any contract, as you know, responsibility, take 2 sides. And the most interesting, in my opinion, in the court of the insurance practice is to distribute that same responsibility between the parties as beneficial to you. For example, in the rules of insurance, the customer is responsible for the accuracy of the information about the insured property, and then catch the insured to some small lies, to not pay at all, or pay as little as possible. 

Or vice versa - to try to prove that the insurer you dezynformiroval, but the truth is more complicated, especially when in the hands of you, you signed a contract of insurance. What can you do. There muhlevschiki who do not sign up, or put facsimile, sometimes having no legal effect, or deliberately make mistakes in the paperwork, so it can be repealed. And, you know, in terms of decent insurer, which erupts over-scrupulousness and corrosiveness client, I still strongly recommend to acquire these qualities: carefully read the papers that you sign, ask questions, remove the shortcomings and mistakes agent. Believe my experience - it is better now than in court.