Insurance company alpha insurance - reviews. Application for insurance payment for OSAGO - sample Alfastrakhovanie to declare an insured event

For the past 10 years, Russia has had a law on compulsory insurance vehicles. That is, all car owners are required to have an insurance policy when operating their vehicles. Thanks to this document, in the event of an accident, the injured party will be able to receive compensation for the damage caused. OSAGO policy can be issued in different insurance companies - this is AlphaInsurance, InTouch, Tinkoff Insurance, Military Insurance Company (VSK), RESO-Garantia, EnergoGarant and others.

Pay compensation after an accident is made after submitting an appropriate application to insurance company with supporting documentation. However, before making such a statement, there are many related points that you need to be aware of.

Consider the signs on the basis of which the situation is considered insurance:

1. The vehicle is in service.

Attention! If damage vehicle occurred when the door was opened while the car was stationary, no compensation for damage is provided.

1. There is a victim and a culprit in the accident, that is, two (or more) cars took part in the accident. If the culprit of the incident is not identified, then compensation is not paid.
2. Both drivers must have insurance. If one of the participants in the accident does not have an OSAGO insurance policy, then the basis for recovery will be suit, filed in court.

Specific cases where payment from insurance compensation will not be produced approved by government decree in the Law "On OSAGO" in Art. 6., where it is said that it makes no sense to count on a refund if:

• the damage was caused by a car that does not have an insurance policy;
• there has been compensation for lost profits;
• damage occurred during competitions, tests, training driving;
• bad weather conditions have occurred;
• damage occurred during the transportation of goods insured individually;
• arose expenses caused by damage to health the person who conducted labor activity(the citizen must be insured);
• it is proved that one of the drivers is guilty (compensation is provided only to the injured);
• there was compensation for damage to antiques.

AT as a result of an insured event The driver should follow these steps:

1. Stop car. Exception: the culprit left the scene as he was taking an injured person to the hospital.
2. Document the incident. The Europrotocol is drawn up by a police representative or a driver, subject to certain conditions.
3. Submit the accident documentation to the insurer. The accident must be reported within seven days. This condition is specified when purchasing insurance.

What kind of data is needed?

The form The application requires the following information to be included in the document:

• the name of the insurance company where the document will be transferred;
• Full name or name of the legal entity that has suffered;
• the address where the victim is registered;
• Full name of the authorized person and all details of the power of attorney;
• time, date and place of the accident;
• characteristics of the damage received;
• nuances of the accident that may be relevant to obtaining compensation;
• how the accident was fixed;
• information about the car responsible for the event;
• information about the property of the injured person who suffered;
• the possibility of transporting the car to where the examination will be carried out;
• additional expenses after an accident (if there was a car evacuation, etc.);
• preferred way to receive insurance benefits.

A sample of filling out an application for an insured event under OSAGO

For example, an application is submitted to the Guta-Insurance company. The person who transmits it is Petrov Ivan Vasilyevich, who lives in the city of Moscow. The accident happened on May 25, 2011. The event took place at 14:00. The accident happened on Planet Street. The culprit ran over parked car injured person. The incident was recorded by traffic police officers. The damage was caused by Ilya Nikolaevich Sidorov, who was driving a Peugeot. His insurance contract was concluded with the Spassky Gate organization.

A Volkswagen car owned by the applicant suffered from the collision. The car affected by the collision can independently arrive at the place where the examination will be carried out. There are no additional costs.

All these data must be reflected in the application (there are specially designated lines for filling them out).

Important! Application for payment under OSAGO signed by the applicant and the competent specialist who accepts the documents for their consideration.

What papers to attach?

Documents proving the fact of the accident must be attached to the application.

According to the rules of compulsory insurance, you should attach:

• A certified copy of the passport of the driver who is counting on insurance compensation.
• If the applicant is a person acting under a power of attorney, then it will be necessary to submit a copy of the representative's passport and a copy of the power of attorney (it is important that this document is valid).
• Papers for the vehicle (PTS, registration certificate / leasing agreement).
• Details of the recipient (they are needed when there is a need for receipt of insurance payment under OSAGO).
• Certificate of accident (if police officers were involved in resolving the issue).
• A completed notice (if traffic police officers were not called to the scene of the accident).
• Copies of the decision and protocol on administrative legal violation.
• Refusal to initiate criminal proceedings.

If a person’s health has suffered as a result of an accident, then the following must be provided:

If the accident caused death of the victim, then it follows demand compensation payment under OSAGO in case of death. It is important to provide:

Who should apply for an insurance claim?

To obtain OSAGO insurance payments, you must submit an application to one of the following structures:

• to an insurance company with which a contract for compulsory auto insurance was previously concluded (if the accident was documented by a European protocol);
• to the insurance organization of the culprit of the road accident, if the accident was registered by the employees of the automobile inspection and the damage was caused not only to property, but also to the health of the victim.

Deadlines for submission and consideration

If an insured event has occurred, the insurance company must be notified within a 7-day period.

It is possible to notify the insurer:

• personally by visiting the office of the insurance company;
• by calling the company's phone number;
• by filling out a special form offered on the website of the organization.

After the insurer has been notified of the accident, the victim has 5 days (if an accident happened within the city limits) or 15 days (if the accident occurred far from the city limits) to collect the required package of papers.

Note! If the victim failed to invest in term for payment of insurance compensation, the insurance company has the right to refuse compensation.

After the insurer checks the papers, a place is appointed and exact time carrying out damage assessment by experts. The assessment should be made within 20 days from the date of submission of the papers.

After carrying out all the above actions, the insurance organization must make an insurance payment within a 20-day period.

Summing up

Summing up, it can be argued that the insurance payment for compulsory motor insurance is carried out on the basis of a written application and papers confirming the fact of the occurrence of an insured event.

Correctly expressing a claim to the insurer for compensation for harm is only half the battle. It is also important to comply with all the terms prescribed in the law, and not violate the clauses of the insurance contract.

Readers interested in the issue of insurance compensation should know how an application for payment is made. Without a written request, the client will not receive compensation from the insurer. The legislation approved the application form, which must be completed. A sample document can be found on our website.

General provisions

In accordance with the OSAGO rules, the party injured as a result of the accident has the right to receive compensation for material damage. To do this, you need to fill out an application form, which is approved by each insurance company. A standard sample document, the rules for filling it out will be proposed below.

Compensation is due in insured event. The category of insurance can include situations of use Vehicle resulting in damage to the health or property of the injured party.

Signs of an insurance situation:

• use of a moving vehicle;
• there are at least two participants in the accident;
• the driver has an insurance policy that is not expired at the time of the accident.

Note! When a person was injured when the driver opened the car door in the parking lot (the car was not moving at the time of the incident), the insurance company is not responsible in this case. Also, no compensation can be expected when the machine is damaged by an unidentified third party.

Whether a particular situation relates to an insured event is decided individually. The law does not provide a clear list of grounds for insurance compensation. At the same time, a number of cases are taken into account in which compensation will not be provided:

• the damage was caused by transport that is not provided for by the policy;
• there is moral harm, lost profit, these cases are not covered by insurance;
• the harm was provoked by a competitive, training or test type of riding;
• the damage was incurred by a person who is entitled to compensation under an employment contract;
• damage caused by loading and unloading operations;
• for damage caused to antique, valuable items.

Now let's look at what it includes and how the application for insurance payment under the OSAGO agreement looks like.

What does the application form include?

The sample application offered by Alfa Insurance, the full name of a large insurer, Alfa Insurance, includes a standard set of data. The mandatory application must include the following information:

• Full name of the insurer. When an accident is registered under the Europrotocol program, you need to contact the contracting company.
• Full name, if the injured party is an individual.
• The name of the company, if interests have been injured in an accident legal entity.
• Address of residence/registration of the affected party.
• Details of the power of attorney + full name of the owner, if the applicant drove the vehicle by power of attorney.
• Details of the accident (date, location). It is necessary to specify the direction of movement of the parties, signs or traffic signals (if any in the situation).
• Type of damage. It should indicate that property or health was damaged.
• Incident registration method.
• Information about the vehicle of the guilty party (brand, model, registration number, other information).
• Details of the motor vehicle citizen of the person responsible for the accident.
• Information about damaged property. If we are talking about a car, then you need to specify the serial state number, VIN code, make and model.
• Possibility of delivery of the damaged vehicle for examination.
• Desired method of compensation.
• The list of expenses associated with the evacuation, storage of a broken car.

Where is the application submitted?

Depending on the situation, the application must be submitted to:

• the company specified in the Europrotocol agreement;
• a company that provides insurance services to the person responsible for the accident.

Note! The direct method of indemnification, which is implemented through your own insurance company, does not deprive you of the right to receive indemnification from the insurer of the responsible party. But only if the fact is revealed after receiving insurance.

Timing

The injured person must notify the company that an insured event has occurred. This is done within a five-day period from the moment of the incident. If the accident occurred in a remote area, outside the city, then the application will be accepted within fifteen days. Such rules are valid, unless other conditions are provided by the insurance contract.

Notification occurs in the following ways:

• telephone mode;
• personal appeal;
• filling out an online form on the insurer's website.

From the moment the insurance company is notified, the applicant has 5 days (accident within the city) and 15 days (accident outside locality) for the collection of documents.

Note! If the amount of compensation from the insurance company is underestimated and it is not enough to restore the car, then the injured person can file a claim against the insurer.

Additional documents

Additional documents must be submitted along with the application. The rules of compulsory insurance provide for the following list:

• a copy (hand over) + original (provide for review) the passport of the victim;
• passport + power of attorney of a third party, if a representative acts on behalf of the injured citizen;
• documents for the car, it can be a registration certificate, title, lease agreement;
• consent of the guardianship authorities, when compensation is due to an incapacitated person (age under 18, restriction of rights in court);
• bank account statement, if a refund is required.

The application together with a package of supporting documents is the basis for compensation for damage from the accident.

In the territory Russian Federation a system of charming medical insurance (CHI) was created. Within the framework of this program, every citizen from birth can take advantage of free treatment under the policy. Anyone can get the CHI AlfaStrakhovanie form. Today we will analyze in detail the conditions of compulsory medical insurance Alfastrakhovanie and how to issue this policy.

Advantages of the CHI policy in Alfastrakhovanie

CHI AlfaStrakhovanie is a profitable financial product that is very popular. Consider the main advantages of concluding an agreement.

Policy benefits:

• developed branch network, which includes more than 500 representative offices throughout the Russian Federation;
• competent staff who will explain all the benefits of compulsory health insurance and tell you what to do in the event of an insured event;
• home delivery of a compulsory medical policy to Alfastrakhovanie by courier is provided for the disabled and citizens of retirement age;
• SMS notification about the issue of the policy;
• a personal manager notifies the client when a permanent policy is ready, since at the first request a temporary one is issued for up to 1 month;
• round-the-clock support service by toll-free phone, for any questions;
• the presence of a mobile application with which you can get all the information you need at any time;
• for legal entities, a personal manager is provided who travels to the enterprise in order to deliver the policy or replace it.

Important! You need to know that the CHI form is issued completely free of charge. When issuing a document, the representative of the insurance company does not have the right to impose additional products, such as accident insurance. If you are refused to receive the contract, you must leave a complaint on the website of the Central Bank of the Russian Federation.

What is included in the compulsory medical insurance policy Alfastrakhovanie

As practice shows, not all citizens know what is included in the compulsory health insurance form. For most citizens, this is a document that must be shown at the clinic in order to receive sick leave, during a cold.

Consider what compulsory medical insurance services are available at Alfastrakhovanie:

• primary health care;
• ambulance and emergency care, including hospitalization of the patient;
• ambulatory treatment;
• receiving preventive care;
• obtaining advice and inspection if necessary.

These are the main services that every insured person is guaranteed to receive throughout the territory of the Russian Federation.

It is also worth knowing that in the usual and electronic policy Compulsory health insurance in Alfastrakhovanie provides for the treatment of:

• acute and chronic diseases;
• severe poisoning;
• fractures of varying degrees;
• bruises and sprains;
• burns of varying degrees;
• pathologies during pregnancy;
• after an abortion, if necessary for medical reasons.

Important! During the epidemic, each insured person can go to a medical institution and get vaccinated for free.

Additionally, dental care is provided, which includes:

• initial inspection;
• dental treatment;
• prosthetics;
• removal of tartar.

Recently, the insurance company Alfastrakhovanie for CHI has been offering a service such as a free IVF procedure. Previously, it was necessary to pay for fertilization within 100,000 rubles. Now every girl who is unable to conceive naturally can become a mother, within the framework of compulsory insurance, for free.

How to arrange step by step

You need to know that you can draw up a contract form in person, at the office of the insurer and remotely. For your convenience, we will consider two options for obtaining compulsory insurance.

Decoration in the office

To obtain a health insurance form, you will need:

• take a passport;
• contact the office of the company or a special point of issue;
• fill out an application for the provision of a document;
• get a temporary policy;
• find out the readiness of the compulsory medical insurance policy in Alfastrakhovanie;
• re-apply to the office and get the document.

Important! As for the temporary policy, the client can receive the same services under it as under the permanent one.

Registration via the Internet

Not every citizen can spend personal time to visit the office of a financial company. It is these citizens who can receive a health insurance form remotely.

Consider what needs to be done:

• Visit site

• Application for a policy

By clicking on "Application for CHI policy" you will be redirected to an electronic application that you will need to fill out.

The first step is to inform the financial company in which region you want to receive the policy.

After that, you will need to choose whether you are applying for protection for the first time or decide to change the insurer. It should be noted that the client can independently choose the services of which company he will use.

Since CHI can be issued both personally and by proxy, you will have to tell how you will receive the form. Additionally, the reason why you want to receive the document is requested.

In the next section of the electronic application, you must select the citizenship and indicate all the necessary data of the insured person.

Requested:

• Date of Birth;
• series, passport number and when issued;
• Date and place of birth.

Important! Each client at this stage can attach a copy of the passport. This is necessary so that an employee of the insurance company can verify the correctness of the information provided.

After personal information, you should write down where you officially live and are registered. For this it is indicated:

• city;
• the street;
• house and apartment;
• date of registration.

Important! If you live by registration, then you should not enter data a second time. In this case, it is enough to check the box “Coincides with the registration address”.

Next, you should select the status: working or not working and indicate the personal number of the pension insurance certificate. If possible, take a high-quality photo of the document and attach it to the application.

After that, it remains to indicate only the number by which you are always ready to answer a phone call and an email address.

The last thing to do is to select the office on the map where you want to receive a health insurance form. All you have to do is click on the tab.

Since the company values ​​the time of its client, you can pick up the document at a convenient time for you. To do this, just specify the date and time of the meeting. This completes the electronic receipt of the CHI form.

After a while, you will have to check the CHI policy in Alfastrakhovanie for readiness and receive it. To receive with you, you need to have only a personal passport and a power of attorney if you are acting on behalf of another person.

Documentation

When contacting the office, in addition to your passport and SNILS, you will need to fill out several mandatory documents. You can get a sample both in the office and remotely, on the website of the insurer. For your convenience, we offer you to download all the necessary documents on our portal and fill them out at home.

Documentation:

• , which is necessary when replacing or changing the insurer.

  Where to apply

  You can apply for a CHI policy at AlfaStrakhovanie, as noted above, in person at the office or remotely. The company's offices are represented throughout the Russian Federation.

  

  You can find out the address in the required city by calling the toll-free customer support phone number.

  Important! You can issue a mandatory insurance form at specialized points that are located in places of mass stay (shopping centers or Alfabank branches). Refine list mobile offices You can call customer support.

  
  

  To get a refund Money must be submitted to the insurance company. Along with the application, it is necessary to present certain documents, including the contract of sale of the vehicle. Without this document, a refund cannot be made. In practice, many people prefer to sell their cars without concluding a contract for the sale of the vehicle. The sale is executed on the basis of the issued general power of attorney. But in such a situation, you need to know that the former owner cannot demand a refund for insurance, because he remains the owner of this vehicle, and the power of attorney only confirms the right of the driver to use this car.

  Sample application for the return of insurance on a loan from jsc alfastrakhovanie

  Important

  If the heir decided to terminate the insurance contract, then it is necessary to submit an application to the insurance company. At the same time, along with the application, it is necessary to present a copy of the death certificate, as well as a document confirming that the applicant is the heir to the owner of the vehicle. Such a document may be a certificate of inheritance.

  
  Without a document confirming that the applicant is the heir of the insured person, the insurance company will refuse to return the money. How to calculate As mentioned above, it is impossible to return the entire amount of insurance: the applicant can only count on the return of part of the amount spent. But before submitting an application for a refund, it is necessary to calculate the amount of the refund in order to be sure that the insurance company will not deceive the applicant.

  Reimbursement of the amount of insurance for OSAGO after the sale of the car

  To cancel insurance on a loan in AlfaStrakhovanie, you need to collect a package of documents:

  • an application for the return of insurance (a form to fill out and a sample can be found on the official website of AlfaStrakhovanie-Life and downloaded or taken from Alfa Bank);
  • insurance contract;
  • copy of payment insurance premium;
  • copy of the passport.

  Send all this to the head office of AlfaStrakhovanie-Life LLC. At the same time, you can write a letter to the Central Bank. In it, indicate that pressure was exerted by bank employees when applying for insurance, that the loan was issued on unfavorable terms. Send by registered mail. This will help to return the insurance much faster without going to court.

  You can also write a review on the forum, which will be answered by a representative of the bank. Other borrowers will be able to read and draw the appropriate conclusion.

  "alpha-life insurance": conditions for the return of insurance

  For example, if the refusal of insurance is a consequence of the sale of a vehicle, then it is necessary to present a contract for the sale of a car. Some insurance companies may also require you to show a copy of the title deed with the name of the new owner of the vehicle. If the basis for submitting the application was the death of the owner of the vehicle, then a copy of the death certificate must be presented, as well as a document confirming that the applicant is the heir of the insured person.

  If the car was scrapped and deregistered, you need to present a certificate stating that the vehicle was deregistered. Along with the application, it is also necessary to present the number of the bank account to which the funds should be transferred. If the applicant wants to receive them in cash, then the application must indicate this.

  Cancellation of the insurance contract

  This suggests that in other situations, when the contract is terminated at the initiative of the insured, the money may not be returned to him. Therefore, the circumstances that led to the early closure of contractual relations with the company are the first argument when a client may be denied a refund of OSAGO. But only in the case when such circumstances do not fit the norms established in the Rules.

  In fairness, it must be said that in the event of a liquidation situation in the activities of the insurance company itself, when it is threatened with closure or its activities have already ceased, part of the amount should be returned to customers. This is spelled out in clause 33, paragraph “c” of the Rules for Conducting Insurance Activities for Insurance of Motorists. Therefore, in case of termination of contractual relations in the event of liquidation of the insurer, a certain part of the insurance to the client should, in theory, be returned.

  CTP return when selling a car: application, documents

  Below is a sample application Terms The current legislation provides for specific terms for the return of funds. In particular, the insurance company must return the unused amount of insurance to the applicant within 14 days from the date of submission of the application. Many insurance companies return this amount immediately after the application is submitted.
  If the insured person intends to demand a refund, then this must be done as soon as possible. After all, in accordance with applicable law, the insurance company returns the amount of insurance, given the date of presentation of the application. For example, if the car was sold in May, and the former owner wrote an application only in September, then the insurance amount will be returned to him from September, and not from May.

  
  This fact must be taken into account when submitting an application for the return of insurance.

  Reimbursement for insurance

  Attention

  In case of early termination of the compulsory insurance contract in cases provided for by the rules of compulsory insurance, the insurer shall return to the insured part of the insurance premium in the amount of the share of the insurance premium intended for making insurance payments and falling on the unexpired term of the compulsory insurance contract or the unexpired period of seasonal use of the vehicle. This paragraph has 2 conditions:

  • Only the part of the premium intended for the implementation of insurance payments is returned.
  • Only the amount proportional to the remaining term of OSAGO is returned.

  Let's deal with them in turn. 1. Consider the requirements for the structure of insurance rates established by the Bank of Russia.

  
  Only 77 percent of the policy cost is intended to ensure current insurance indemnities under compulsory insurance contracts.

  OSAGO

  Do I need a bonus? But in any case, lawyers draw the attention of motorists to such a feature as KBM. This is the bonus-malus coefficient awarded for safe driving. This happens only at the end of the insurance year. And, as you know, the higher the CBM, the greater the discount awaits the insured when buying a new policy.

  
  However, in case of early termination of the OSAGO contract, no matter for what reason, the bonus-malus coefficient is not charged. Therefore, it is worth considering. Perhaps, if two or three months are left before the expiration of the policy, then it is better to leave the contract in force and give yourself (if there are no offenses on the road) a discount in the form of an increased CBM. Is it possible to save? The return of OSAGO insurance when selling a car may not be issued (while retaining the 23% deducted by the insurance company). If there is confidence in the buyer, then OSAGO is simply reissued, and the new owner returns the unused insurance.

  CTP refund when selling a car

  Important! Before filling out the application, please check the date of conclusion of the insurance contract and whether the application deadline has expired, during which you can claim a refund of the insurance premium. You need to print this Application, certify with your signature and send its original to AlfaStrakhovanie-Life LLC at the address: 115162, Moscow, st. Shabolovka, 31. B, AlfaStrakhovanie-Life LLC.

  Please note that by attaching a copy of the Insurance Policy, a copy of the document confirming the payment of the insurance premium (insurance premium), other documents (if any) to the application, you will speed up the process of making a decision on the return of the insurance premium you paid. The term for processing an application for cancellation of an insurance contract, including payment, is 10 working days from the date of receipt of its original by the insurance company.
  In this case, the application can be made directly to the insurance company. It can also be sent by mail. But in this case, the letter must be sent with a notification of receipt. Below is an example of a statement. How to return additional insurance In practice, very often there are cases when insurers impose additional services on car owners. For example, along with OSAGO insurance, they offer life insurance for the owner of a vehicle. If the issuance of an OSAGO policy is mandatory, then the owner of the vehicle can easily refuse additional insurance. In particular, the return of life insurance under OSAGO can be carried out by presenting an appropriate application.
  An application form can be obtained from the insurance company. You can also compose it yourself.

  Statement of claim to Guta-Insurance - SAMPLE

  5, p. 3 Cost of the claim: 42,119.22 rubles State duty: exempted from payment acc. with paragraphs.

  333.36 of the Tax Code of the Russian Federation. on the recovery of insurance compensation on July 22, 2011, an agreement was concluded between the Claimant and the Respondent property insurance TS Subaru Impreza (g.z.

  Complaint against AlfaStrakhovanie

  A lawsuit was filed against OJSC Reso-Garantia for the recovery of the difference in payments for OSAGO and TCB. The claim was filed at the place of residence of the plaintiff. Odintsovo city court MO 143007, Moscow

  Insurance claim application

  Page of the insurance company AlfaStrakhovanie. Representatives of the AlfaStrakhovanie company can comment on reviews, as well as answer all questions from visitors to the independent RuStrahovka portal.

  For this you need to register.

  I bought a phone last month, a loan was issued.

  Insurance company AlfaStrakhovanie

  You can buy policies both individually and as part of profitable package offers. Special conditions apply to the extension of contracts with our insurance company. AlfaStrakhovanie insurance company provides owners and renters of apartments, houses and other types of housing to protect their property from damage, loss and other risks.

  Do-it-yourself insurance for filling out an application for insurance payment

  This procedure is applied if there are two circumstances at the same time: a) as a result of an accident, only the vehicles specified in subparagraph b) were damaged as a result of an accident as a result of a collision between two vehicles (including trailers) Civil responsibility whose owners are insured under an OSAGO agreement.

  Such a claim is drawn up in accordance with the requirements of Art. 131 of the Civil Procedure Code of Russia. An application to the court is submitted exclusively in writing.

  At the same time, according to the general rule, the claim must be filed with the court at the location of the respondent company, however, the law provides for situations when the plaintiff can file an application with the court located at his place of residence. In any case, the application must contain the following items: 1.

  Claim header - contains the following information: the name of the court to which the claim will be filed, details of the court, the name of the plaintiff and his details, the name of the defendant who violated the rights of the plaintiff, the details of the defendant. 2. The text of the application itself - contains information about the essence of disputes with the insurance company.

  As a result of an accident, a car (not running or not approved for operation in accordance with the rules of the road).

  The traffic accident occurred due to the fault of the driver (surname of the culprit), who was driving the car (make and model of the car, as in the certificate) state.

  Sample statement of claim for CASCO

  payment for expert services amounted to 1500 rubles. Total: 24861 rubles.

  The plaintiff informed the defendant about the examination by a telegram worth 194.25 rubles.

  In accordance with Art. 1064 of the Civil Code of the Russian Federation, harm caused to the person or property of a citizen, as well as harm caused to the property of a legal entity, is subject to compensation in full by the person who caused the harm.

  > "> Alfa insurance application for insurance payment sample

  SAMPLE August 18, 2013 Sample statement of claim against AlfaStrakhovanie OJSC for the recovery of the difference between the unpaid insurance indemnity for OSAGO and the Loss of commodity value. JSC "AlfaStrakhovanie" made a payment under OSAGO according to an expert of the insurance company. The victim, disagreeing with the amount of insurance compensation paid, turned to an independent examination and assessed the damage. A lawsuit was filed against OJSC Reso-Garantia for the recovery of the difference in payments for OSAGO and TCB.

  The claim was filed at the place of residence of the plaintiff. A sample statement of claim to AlfaStrakhovanie OJSC for the recovery of the difference between the unpaid insurance indemnity for OSAGO and the Loss of commodity value.

  JSC "AlfaStrakhovanie" made a payment under OSAGO according to an expert of the insurance company.

  AlfaStrakhovanie company reviews

  Name: Olga. Section: DMS. Policy: 23099134, I turned to a neurologist with back pain and headaches for help under the VHI agreement Alfa Insurance in Ivanovo (Mukhina Yulia), Ivastramed clinic.

  The neurologist diagnosed vegetovascular dystonia and sent her for an additional examination of the spine and blood vessels. One of the directions was an examination - a duplex of the vessels of the head and neck. When applying (by phone 04.04) to the insurance company for a letter of guarantee, the examination was refused due to the fact that there are no grounds for the appointment of such an examination.

  At first, the representative of the insurance company said that the VSD is not the basis for checking blood vessels, and I have a honey. the map does not indicate complaints of headache, recommended to talk again with the attending physician and clarify in honey.

  AlfaStrahovanie reviews on the company Name: Sergey.

  Section: OSAGO. Policy: 0357995609, I turned to the company in the office in Togliatti to add one more driver to the insurance policy. I was refused. They said:

  “Now you can’t add another driver to the insurance”

  to the question "Why?" answered "We do not enter." I haven't heard any clear justification.

  And the company no longer deals with auto insurance. Usually this fact is a precursor to the bankruptcy of the company. Name: Alexander. Section: OSAGO.

  Policy: eee 0363618010, on March 25, 2018, in Rostov-on-Don, for the first time in decades, I got into an accident. Everything was issued as it should be. 8023/RVU/00262/16.

  Example of "Application for insurance payment" submitted to the Insurer together with a full set of documents (according to the inventory), if the documents were not submitted to the insurance company before the inspection, but the Insurer was called for inspection by a telegram (see the telegram form on the website). Telegram - is an Application (which must be provided to the insurer in accordance with clause

  45 OSAGO rules, upon receipt, which the insurer is obliged to inspect the vehicle within five days). There is no strict form approved by the rules or the law; each insurance company independently created its own application form.

  “In the Rules on Compulsory Insurance” (PP RF 263) and the OSAGO law (40 FZ), it is also not prohibited to submit an application by mail or in any other way. In "RESO-Garantiya"

  How to apply for an insurance claim

  The object insurance procedure provides for the possibility of obtaining insurance compensation in the event of a situation stipulated by an agreement between the parties. At the same time, the amount of compensation is regulated by the terms of the contract and the law and does not depend on payments under other contracts.

  What it is

  To ensure stable financial condition individual or a business entity, a contractual agreement is drawn up with the insurer, the subject of which is a certain object.

  The activation of the insurer's obligations occurs at the moment of occurrence of the situation identified in the contract as an insured event.

  Compensation payments for the restoration of the original state of the object and its functionality are carried out only if the client complies with the rules established in the contract:

• regular payment of dues;
• preliminary notification of situations or characteristics of the insured object that may provoke unforeseen situations for the timely recalculation of the risk degree;
• notification of an accident that happened to the insured within 24 hours, excluding weekends and holidays;
• a written notification of the incident within three days indicating the location of the subject of the contract;
• conducting activities to collect data in documentary form;
• notification of an accident to the relevant authorities, which may be the traffic police, emergency, ambulance or fire services;
• drawing up a report in the form established by the insurance company regarding their behavior at the time of the accident, the damage caused to the subject of the contract and the estimated amount of damage.

In accordance with the terms of the contract, the insurance company is obliged:

• adhere to all instructions provided in the contract;
• carry out inspection and documentation, leaving the scene;
• independently assess the amount of damage caused, and, if necessary, resort to the services of expert organizations;
• set the amount of compensation;
• observe the established period for carrying out each stage preceding the payment, as well as for final mutual settlements;
• make insurance compensation in accordance with the amount of damage caused, the cost of which is determined through expert work;
• draw up an act showing the type of damage to property, which will subsequently be a document proving the fact of damage.

Who can get

The beneficiaries may be:

• victims;
• owners of insured property;
• legal heirs, in the event of the death of the victim or owner.

As a result of accidents belonging to the insurance category, there may be victims, which include persons who are directly involved in the incident, which caused them to be physically or psychologically injured.

Owners of property that was insured at the time of the incident may not participate in the event that is insured, however, the fact of damage to property requiring restoration obliges the insurer to make compensation.

Application for payment of insurance compensation

The fundamental document required to initiate the compensation procedure is an application for the payment of insurance compensation.

Large insurance companies, such as Alfastrakhovanie, known for their versatility of covered niches of activity, on their official website allow you to implement the entire range of necessary operations related to registration.

Using the online calculator, by entering the basic data, you can determine the estimated amount of compensation, the amount of which can be taken into account in the application.

Video: What's legal

preliminary

In case of severe damage requiring immediate restoration of the damaged object, the insurance company makes a preliminary payment. To receive it, the insured must, together with the main application, submit an application for payment of partial compensation for damage.

After the payment is made, information about the event should be reflected in the individual record card, a sample of which can be found by clicking on the link.

If during the investigation it is found that the damage caused is not subject to compensation, then the amount issued to the insured is subject to return to the insurance company.

Installment penalty for administrative case. Read more here.

Rights of the insured

In accordance with the terms of the contract, as well as the regulatory legal acts of the Russian Federation, the insured has the right to demand from the insurer:

• compensation for damage within the sum insured;
• increase in payments in situations where the consequences of the incident turned out to be more serious than originally determined;
• compensation for expert research and other expenses necessary for the investigation and collection of evidence;
• advance payment;
• insurance payment in due time;
• forfeit, in case of violation of the deadlines.

Payment regulation

The amount of compensation payments for each type of incident is determined according to its own methodology.

In case of damage to property, the rules governing that in case of damage:

• luggage, the insurer pays a sum of money in the amount of 600 rubles for each kilogram;
• small luggage, a one-time payment of 11,000 rubles;
• large-sized property, you can recover the amount corresponding to the amount of harm caused, subject to the restrictions provided for in the contract.

If the franchise is taken into account in the terms of the agreement, then the amount of the penalty is reduced by its amount.

In case of complete destruction of the insured property, the owner is compensated for its value without taking into account natural wear and tear and the residual amount of residues suitable for further use.

Many well-known insurance companies, such as Rosgosstrakh, along with different profiles, specialize in life and health insurance.

According to their terms, nWhen harming human health:

• the amount of compensation cannot be less than 2,000,000 rubles;
• the calculation of the amount of compensation is carried out taking into account the legally established standards for payments and the amount of money specified in the contract;
• in the event of a deterioration in the health of the victim, due to the circumstances of the insured event, or revealing the fact of the consequences of causing harm in monetary terms, exceeding the conditions stipulated in the contract, the insured has the right to demand assistance in excess of the prescribed amount.
• if there is a fact of death, the relatives of the deceased are paid the amount stipulated by contractual obligations, however, its amount cannot be less than 2,025,000 rubles.

Insurance indemnities under auto insurance and bank deposit insurance contracts are carried out strictly in accordance with the terms of the contractual agreement.

It should be noted that insurance payments of all categories are not taxed.

Terms of payment of insurance compensation are determined by the terms of the contract. In the absence of a corresponding section in the document, the value is regulated by legislative norms:

• in case of damage to the health or property of the insured - 30 calendar days;
• in case of death of the insured – 60 days.

If the insurer violates the terms of payments, then the insured has the right to demand compensation from him for each overdue day, taking into account the refinancing rate applicable to the amount of debt.

Refusal to pay

The policyholder may be denied insurance indemnity in the following situations:

• untimely notification of the fact of the occurrence of an insured event;
• providing an incomplete package of documentation;
• amendments to the insurance policy;
• classifying the incident as a non-insurance category.

If the policyholder believes that the refusal to pay is unlawful, he has the right to go to court to resolve the problem.

To do this, you need to prepare a statement of claim, the main requirements for which are reflected in the table.

> "> Alfa insurance sample application for an insured event broke his arm

Application to alpha insurance for the payment of insurance compensation sample

Alfa insurance application for insurance payment sample

* In case of changing the passport, attach a copy of the page with a note about its change. (qualification electronic signature)

1. From the date of consideration of the application for: 15–20 working days,

in accordance with the Conditions to the insurance contract.

With the status of consideration of the event, please call: 8-800-333-8-44-8. © 2018 AlfaStrakhovanie Group Unified contact center: 8 800 333-84-48 (daily from 08:00 to 20:00, call within Russia is free)

We offer all the most popular vehicle insurance products: OSAGO, DSAGO, CASCO, Green Card.

You can buy policies both individually and as part of profitable package offers.

Direct indemnification, direct indemnification means a set of actions of the victim to apply for payment to the insurer from whom he bought the CTP policy. Notify us within 30 days.

Use the following notification methods: call tel. for regions 8-800-333-0-999. Submit the required documents for payment.

Moscow, st. Shabolovka, 31, building

If disability was established as a result of an injury, an extract from the medical history must be provided.

Alfa insurance application for insurance payment sample 45 of the OSAGO rules, after receipt, which the insurer is obliged to inspect the vehicle within five days). There is no strict form approved by the rules or the law; each insurance company independently created its own application form.

“In the Rules on Compulsory Insurance” (PP RF 263) and the OSAGO law (40 FZ), it is also not prohibited to submit an application by mail or in any other way.

A sample statement of claim to AlfaStrakhovanie OJSC for the recovery of the difference between the unpaid insurance indemnity for OSAGO and the Loss of commodity value. JSC "AlfaStrakhovanie" made a payment under OSAGO according to an expert of the insurance company. The victim, disagreeing with the amount of compensation paid, turned to an independent examination and assessed the damage.

Alfa insurance application for insurance payment sample 45 of the OSAGO rules, after receipt, which the insurer is obliged to inspect the vehicle within five days). There is no strict form approved by the rules or the law; each insurance company independently created its own application form. “In the Rules on Compulsory Insurance” (PP RF 263) and the OSAGO law (40 FZ), it is also not prohibited to submit an application by mail or in any other way.

A sample statement of claim to AlfaStrakhovanie OJSC for the recovery of the difference between the unpaid insurance indemnity for OSAGO and the Loss of commodity value. JSC "AlfaStrakhovanie" made a payment under OSAGO according to an expert of the insurance company.

The victim, disagreeing with the amount of compensation paid, turned to an independent examination and assessed the damage.

Alfa insurance application for insurance payment sample We offer all the most popular vehicle insurance products: OSAGO, DSAGO, CASCO, Green Card. You can buy policies both individually and as part of profitable package offers.

Direct indemnification, direct indemnification means a set of actions of the victim to apply for payment to the insurer from whom he bought the CTP policy. Notify us within 30 days. Use the following notification methods: call tel.

for regions 8-800-333-0-999.

Submit the required documents for payment. Documents for payment must be sent to the insurance company at the address: 115162, St.

Alfa insurance life insurance return application form download

I think that the bank's actions to return the insurance premium are illegal due to the following. In accordance with Art. 309 of the Civil Code of the Russian Federation, obligations must be properly performed.

I believe that the actions of the bank violate my rights as a consumer, regulated by Article 37 of the Law "On Protection of Consumer Rights".

How to submit an application for payment of insurance compensation How to return insurance in case of early repayment of a loan? You must contact the insurer directly. The bank is the beneficiary.

This usually happens with mortgages, car loans, bank consumer loans, and also in cases where insurance is included in the overall package of services. The date of conclusion of the insurance contract is the date of payment of the insurance premium, unless otherwise provided by the insurance contract.

We offer all the most popular vehicle insurance products: OSAGO, DSAGO, CASCO, Green Card. You can buy policies both individually and as part of profitable package offers. Direct indemnification, direct indemnification means a set of actions of the victim to apply for payment to the insurer from whom he bought the CTP policy.

Sample application for an insured event alpha insurance

Notify us within 30 days. Use the following notification methods: call tel.

for regions 8-800-333-0-999. Submit the required documents for payment.

Documents for payment must be sent to the insurance company at the address: 115162, St.

Moscow, st. Shabolovka, d. 31, p. If disability was established as a result of an injury, an extract from the medical history must be provided.

45 OSAGO rules, upon receipt, which the insurer is obliged to inspect the vehicle within five days).

There is no strict form approved by the rules or the law; each insurance company independently created its own application form. “In the Rules on Compulsory Insurance” (PP RF 263) and the OSAGO law (40 FZ), it is also not prohibited to submit an application by mail or in any other way. A sample statement of claim to AlfaStrakhovanie OJSC for the recovery of the difference between the unpaid insurance indemnity for OSAGO and the Loss of commodity value.

The decision to send for repairs was made on February 2, 2018, i.e. already in a week. I was repaired by the service station of Service 34 LLC (Volga-RAST on Mamaev Kurgan).

Many thanks to the insurer for making a decision quickly and without delay, even though the traffic police inspector did not indicate all external damage in the accident certificate. I recommend it to others and I myself will contact AlfaStrakhovanie in the future!

An example of an "Application for insurance payment", submitted to the Insurer along with a full set of documents (according to the inventory), if the documents were not submitted to the insurance company before the inspection, but the Insurer was called for inspection properly by telegram (see the telegram form on the website).

Telegram - is an Application (which must be submitted to the insurer in accordance with clause Sample Statement of Claim against AlfaStrakhovanie OJSC for the recovery of the difference between the unpaid compensation for OSAGO and the Loss of Commodity Value.

Payment of diavitol in ampoules instruction of insurance indemnity by paying cash or replacing the insurance payment (insurance indemnity) with the provision of property similar to the lost property, or issuing a referral for repairs within the framework of the organization and payment by the insurer against the insurance indemnity for the repair of damaged vehicles and / or additional equipment, is made after receipt from the policyholder (beneficiary, insured persons) of all documents requested by the insurer within 15 working days for the risks of DAMAGE, DAMAGE TO ADDITIONAL EQUIPMENT.

The object insurance procedure provides for the possibility of obtaining insurance compensation in the event of a situation stipulated by an agreement between the parties.

At the same time, the amount of compensation is regulated by the terms of the contract and the law and does not depend on payments under other contracts.

Alfa insurance payout

Now the clients of IC Alfa-Insurance will be able to personal account on the company's website to find out the status of the appeal to the insurer.

In remote mode, you can observe at what stage the consideration of the case of the insured event is and when compensation is planned to be paid. A sample statement of claim to AlfaStrakhovanie OJSC for the recovery of the difference between the unpaid insurance indemnity for OSAGO and the Loss of commodity value.

Get paid

Notify us within 30 days.

Use the following notification methods: call the unified contact center: 8 800 333-84-48 (daily from 08:00 to 20:00, call within Russia is free); Submit the required documents for payment.

Documents for payment must be sent to the insurance company at the address: 115162, Moscow, st. Shabolovka, 31, building

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