We answer the most frequently asked questions about receiving insurance payments (loss settlement).
CMTPL payments are not enough to repair the car. Explain how the calculation was carried out.
The calculation of the insurance payment is carried out in accordance with clause 4.15 of the OSAGO rules, according to which recovery costs are paid based on the average prices prevailing in the relevant region, except for cases when the victim receives compensation for the harm caused in kind. In the event that the victims receive in-kind compensation for the damage caused, the recovery costs shall be paid by the insurer in accordance with the contract providing for the repair of the vehicles of the victims, concluded between the insurer and the vehicle service station to which the vehicle was sent for repair. vehicle victim. When determining the amount of restoration costs, the wear of parts, assemblies and assemblies is taken into account. The amount of expenses for spare parts is determined taking into account the wear and tear of components (parts, assemblies and assemblies) to be replaced during restoration repairs. Consequently, the lack of funds for the repair of the vehicle may be due to the fact that when repairing a damaged vehicle, new parts and assemblies were installed at the service station. In accordance with clause 14.1 of the Federal Law on OSAGO, for compensation for damage caused to property, you can apply to your OSAGO insurer if the following circumstances exist simultaneously: According to paragraph 21 of Art. 12 of the Federal Law on OSAGO The insurer considers the victim's application for insurance payment and the submitted documents within 20 calendar days, except for non-working holidays, from the date of their receipt. At the same time, it should be taken into account that the term for making a decision starts from the date of submission of the last document necessary for making an informed decision, provided for by the OSAGO rules. In accordance with the Federal Law on OSAGO, the insurer may exercise its right to organize an independent technical expertise. Thus, the payment will be made on the basis of an independent technical examination carried out by the insurer. The insurance payment is based on the conclusion of an independent expert on the cost of restoration repairs, taking into account depreciation. However, the final decision on the amount of insurance payment is made by the Insurer based on the analysis of the full set of documents required for payment. At the same time, we note that information on the amount of payment in the interests of the client and in accordance with Article No. 946 of the Civil Code of the Russian Federation is not disclosed by the contact phone number of the company. In this case, you cannot receive a payment, since it is insured under the OSAGO policy your civil liability to third parties (i.e. Insurance Company as a result of an accident through your fault, can make a payment to the victims). Sum insured, within which the insurer upon the occurrence of each insured event must compensate the injured for the harm caused, is: * The amount of insurance payment for causing harm to the life of the victim is: The amount of damages subject to compensation in case of damage to the property of the victim is determined by: Upon recognition of the fact of an insured event, the insurer compensates the insured for losses by making an insurance payment. The amount of the insurance payment may not exceed the amount of the sum insured established under the insurance contract. Specific conditions and procedure for the payment of insurance compensation are defined in the Rules of voluntary insurance, in accordance with which the contract was concluded voluntary insurance. The list of service stations where OSAGO repairs are possible is posted. The possibility of servicing your car at the selected service station can be clarified at the loss settlement center of Rosgosstrakh when submitting an application for an insured event. When damaged interior decoration and engineering equipment. The calculation of the amount of damage is made in accordance with clause 9 of the Rules for Voluntary Insurance of Buildings, Apartments, Household and Other Property, civil liability owners (owners) of property (standard (single)) No. 167 dated 10/15/2007, on the basis of the Inspection Certificate; death, damage or loss of buildings (apartments), household and / or other property, documents of the competent authorities and in accordance with the terms of the concluded Insurance Contract: In case of damage (and/or loss) of household property. The calculation of the amount of damage is made in accordance with paragraph 9 of the Rules for voluntary insurance of buildings, apartments, home and other property, civil liability of owners (owners) of property (standard (uniform)) No. 167 of 10/15/2007. on the basis of the Inspection Report; death, damage or loss of buildings (apartments), household and / or other property, documents of the competent authorities and in accordance with the terms of the concluded Insurance Contract. The amount of the insurance indemnity is determined in accordance with the terms of the concluded insurance contract. When a building is damaged. The calculation of the amount of damage is made in accordance with paragraph 9 of the Rules for voluntary insurance of buildings, apartments, home and other property, civil liability of owners (owners) of property (standard (uniform)) No. 167 of 10/15/2007. on the basis of the Act on the death, damage or loss of buildings (apartments), home and / or other property, the competent authorities and the terms of the concluded Insurance Contract.
Which insurance company should I contact for OSAGO payment if I am not responsible for the accident?
How long to wait for OSAGO payment?
Will I receive a CMTPL payment from my company if an unknown vehicle hit my car in my absence?
How is the CASCO payment made?
These expenses also include expenses for materials and spare parts necessary for the restoration repair, expenses for payment for work related to such repair. The amount of expenses for materials and spare parts is determined taking into account the wear and tear of components (parts, assemblies and assemblies) to be replaced during restoration repairs.
I have been insured at Rosgosstrakh for 10 years, all this time without insured events in which I would be guilty. Accordingly, I bring the company only profit. Last policy EEE No. 1005576308.
In February of this year, an insured event occurred, I was not the culprit of the accident. Of the damage: the front bumper and the left headlight - for replacement, paint the bumper + possibly hidden damage. I turned to my insurance company with a request to give a referral for repairs: on February 27, the vehicle was inspected by an appraiser from Rosgosstrakh, a couple of days later I received a list of service stations. To be honest, there was no choice, because. only one station from my city of Kolomna, the rest - at a distance of 120-300 km. I chose the station in Kolomna (IP Lartsev D.S.). On March 6, I received a referral from the insurance company for repairs and a phone call to contact a service station representative. So, from March 6 to April 13, I am trying to repair my car: the phone number of the IP organization Lartsev D.S. stably turns off for 3 days every week, that is, promptly solve the org. moments did not work; there was a case when they made an appointment for me, but the manager forgot, he was not there, other people could not resolve issues (and only one person works in this “organization”, and this is not even Lartsev D.S., who will appear later - for settlement of legal issues). A couple of weeks later, my car was inspected, it was proposed to repair non-original spare parts. parts (because I refused to pay the difference). I'm waiting. I was morally determined to put the car in the service station for a couple of days for the duration of the repair, but I was “delighted” that the entire repair would last 2 hours: they would paint the new bumper in advance, I would bring the car on the appointed day, the employee would insert the bumper and headlight - and you can pick it up. “But what about “possibly hidden defects?” I asked. - "How will you coordinate with the insurance company during these 2 hours if additional expenses are required? work to eliminate them?" "I'm sure that there are no hidden defects," replied the "man" IP Lartsev D.S., throwing a cursory glance at the bumper (as you understand, nobody removed the broken bumper at the station, for the presence / no one checked the absence of hidden defects).
April 13, the last day of the time allotted for repairs (according to the OSAGO Law), i.e. on the 30th day after I signed the documents with IP Lartsev D.S., and this happened 2 weeks later than the day when the insurance company sent me to them, I brought the car for repair. It is worth noting that I repeatedly asked the service station employee to make repairs well, not to buy the cheapest of non-original bumpers (I know the amounts allocated by the insurance company for repairs, I know the prices for original and non-original spare parts, I know good / bad manufacturers of spare parts - all voiced "man"). The manager replied: "Yes, it's not about the price, you can put a bad one well." They didn't succeed. When I asked what we would do if I was not satisfied with the result of the repair, he could not answer anything.
After 3 hours I pick up the car - they repaired it poorly: the shade of the color scheme was chosen poorly, the difference can be seen with the naked eye. The headlight does not match the configuration of my car (there is no automatic headlight leveling), now one headlight shines higher, the other is adjustable. Also, the installation of the headlight itself was made so that the new headlight is now always on and never turns off. Gaps and cracks on the bumper can, of course, be attributed to non-original spare parts. part, however, they installed it in such a way that everything rattles when driving, even on a flat road, not to mention rocky and bumpy ... I did not sign the acceptance certificate, I asked to redo it. The manager replied: “And if you don’t like it the second time, then what? We can't do well." I was also asked to choose the color scheme myself and bring it to them - they will repaint it. Everything else was refused.
On April 17, I wrote a claim addressed to IP Lartsev D.S. By the way, the manager was not aware of the situation, and he saw the car already at the moment when I arrived with a claim. Signed.
On the same day, I made a claim to Rosgosstrakh. The first claim is to IP Lartsev D.S. - attached. A few days later, there was a verbal response from the insurance company that the claim was accepted, they gave me a new direction for repairs at another service station. When I came for the list of service stations with which the company Rosgostrakh works, I noticed that it was significantly reduced. There were literally 5 stations: one in Moscow, the rest - in the near and far suburbs, but in the opposite direction from my city. That is, the nearest station is 120 km away, which is contrary to the OSAGO Law, according to which the station should be located at a distance of no more than 50 km from the victim's place of residence.
Having studied the legislation, I wrote a statement to the Rosgosstrakh company and offered to give me a referral to a service station in my city, with which my insurance company did not have an agreement (the law provides for such an option). I chose a service station (the place where I repaired the car more than once and was satisfied with the result of the work), asked them for details and a preliminary invoice for work. All documents are attached to the application. Posted April 27th. There was silence from Rosgosstrakh for almost 3 weeks. Then there was a call from the insurance company demanding a 3-sided inspection: I, a representative of Rosgosstrakh and IP Lartsev D.S. I agreed and set a date and time. An hour later, aggressive calls from Lartsev D.S. rained down on me, who shouted that it was all my fault, it was I who was playing for time, did not provide the car for repairs, all the time I could not - and what am I trying to achieve now? There were also calls to my husband demanding an explanation.
On the appointed day, a tripartite inspection took place, a representative of the insurance company Rosgosstrakh carried out an inspection, assessment and confirmed the unsatisfactory quality of the repair work. An act was drawn up. A few days later, a representative of the Kolomna branch of Rosgosstrakh called me and asked if I agreed to go to such and such a station in Moscow. I say: "No, because more than 50 km."
Then I daily updated the status of my payment case on the Rosgosstrakh website - it changed daily from “You have been given a referral for repairs” to “The damage is being calculated in your case.” It all ended with the status: “Your claim was denied.”
I've been denied what I didn't ask for, Carl! I did not ask for a cash payment, I demanded that the car damaged by a bad contractor be repaired elsewhere. And they refused to pay me the money.
Now I ride on a rumbling car, the headlight of which shines non-stop, and the market value of which, after such a “repair”, has gone down by several tens of thousands of rubles, because the defects are visible to the naked eye!
A question for connoisseurs: why do I need an OSAGO policy if I pay money to create even more problems? Without an OSAGO policy, we could have negotiated with the culprit of the accident, who would have paid for my repairs. And now I can’t force the culprit to pay for repairs, I can’t force IP Lartsev D.S. voluntarily and qualitatively eliminate the shortcomings of the repair. And now I will communicate with the insurance company only through the judge. And interestingly, until September 18, I am bound by contractual relations with this unscrupulous insurance company. And in case there is an accident, in which again I will not be to blame, I will again be forced to “butt” with Rosgosstrakh, waste my time and nerves!
