Repair under comprehensive insurance | How to speed up and control deadlines

Insurance of a vehicle is currently a mandatory condition for allowing it to operate on public roads. Its purpose is to provide compensation payments in the event that the owner of the car commits a traffic accident. This compensation can be paid in two ways: under MTPL policies and CASCO policies.

Moreover, if OSAGO is compulsory motor third-party liability insurance, then CASCO is understood as voluntary motor insurance, which includes an expanded package of insurance services. However, owners who have taken out such insurance are often faced with the question of the time frame for repairs under CASCO, since many insurance companies neglect their responsibilities and delay the time frame for completing repairs or providing insurance payment.

Procedure in the event of an insured event

After an accident has occurred or another event covered by the CASCO insurance policy has occurred, its owner will need to act in accordance with the algorithm established by the insurance company that has entered into a car insurance agreement with him. The first thing you need to do is contact the insurance company itself and report the occurrence of what you think is an insured event. This can be done by calling one of the insurer's telephone numbers, which the car owner should always have at hand.
After a representative of the insurance company reviews the incident based on the documents provided by the car owner, for example, a protocol drawn up by traffic police officers, the insurer must decide to send the car for repairs.
Help : usually all repair work is carried out at the service station with which he has entered into a corresponding agreement.
It is at the service station that a complete inspection of the car is carried out, any damage it has is identified, and the amount of repairs is determined. Further, the insurance company either agrees with the repair calculation provided by the station, or does not agree, stating that it considers the repair and replacement of some components and parts optional.

What determines the repair time?

Despite the fact that the timing of vehicle repairs is precisely established in the law (Article 943 of the Civil Code of the Russian Federation), and is also specified in the CASCO agreement, it can be quite difficult to establish them in a given case, since their determination may be influenced by the following factors:

• ​the degree of damage to the vehicle sent for repair;
• ​technical characteristics of parts, components and assemblies to be replaced or restored. So, if the spare parts to be replaced are supplied from another country, the repair work may take several months.
• ​level of technical equipment and qualifications of maintenance personnel at the service station.

Important : in order to prevent delays in repairs under CASCO at the very initial stage of repairs, you must immediately and very carefully monitor all the actions of the service station employees.
It is imperative to require that all detected damage and malfunctions be included in the defect sheet. It is this that will subsequently become the main document confirming the cost and scope of repair work.

Deadlines for issuing directions for repairs

In addition to the above factors, other circumstances also influence the timing of repair and restoration work, therefore, as soon as such an opportunity arises, you will need to immediately try to get a referral for repairs from the insurance company. The period for issuing it is directly indicated in the insurance contract. Its standard value does not exceed a month after the vehicle is inspected and a defect report is drawn up for it. The algorithm for obtaining the described direction is as follows:

• ​ contacting the insurance company with a written statement about the accident;
• ​collection of documents necessary for payment of insurance compensation and repairs;
• ​ provision of a vehicle for technical examination.

Sometimes you don’t need to present any additional documents, and in this case the car can be repaired much faster. It is also worth remembering that the repair period begins from the moment the required package of documents is submitted to the insurer. Even if you arrive at the service station without them, the repair will not begin.

Insurers and service stations about car restoration times

When an insured event occurs, the owner of CASCO applies to the insurer with a claim for compensation for the loss. The insurer has all legal grounds to refuse to repair damage if, during a traffic accident:

• the driver was not the policyholder, but another person;
• the driver was under the influence of alcohol or drugs;
• the damage to the vehicle was caused intentionally.

However, if the claimed loss is approved, the victim is given a referral to a service station to have the car restored. Next, the car is sent for examination, where all damage is determined and the cost of services is calculated. When the final cost is calculated, it is agreed with the insurer.

In practice, a response from the insurer may come in about a week from the moment the application is submitted. The response from the service station will come in 5 days . Restoring a vehicle takes about one month.

Required package of documents

In order to receive a referral for repairs under CASCO, you must provide the auto insurer with a certain set of documents, which differ depending on the type of insurance event. In this case, you will definitely need:

• ​ a valid CASCO insurance policy, as well as receipts for its full payment;
• ​ car owner's passport;
• ​ documents for the car, namely PTS and STS;
• ​ a driving license for the person who was driving the car at the time of the insured event, for example, an accident;
• ​ diagnostic card, which can be used to confirm the serviceability of the insured vehicle before the occurrence of an insured event.

Different insurance cases require the provision of various packages of additional documents to the insurance company.
So, in the event of an accident, you will need a document confirming the very fact of such an incident; in addition, it will be necessary to establish its participants, the types and severity of damage received by the car. The universal document in this case will be a certificate of the incident taken from the traffic police inspector. He can provide other necessary documents, for example, a European protocol or a resolution on an administrative offense.

Peculiarities

The main distinctive feature of insurance compensation under CASCO in the form of car restoration at a service station is the lack of clear regulation of the timing of repairs in regulations.
Unscrupulous insurers can take advantage of this by delaying restoration work.

On the other hand, in some cases, repairs are preferable to cash payments .

For example, if the car is insured taking into account wear and tear, if you choose to have it restored at a service station, you will not have to pay extra for new spare parts.

Will body repairs be carried out if the driver himself is at fault?

In most cases, the insurance company compensates for the damage, even if the policyholder himself is to blame for the damage to the car. However, there are a number of reasons for refusing to carry out repairs:

1. the vehicle was damaged intentionally in order to obtain payment;
2. the driver is not included in the CASCO policy;
3. the person driving the car was intoxicated or grossly violated other traffic rules;
4. The car, known to the owner, was in a faulty condition, which could have caused the accident.

When should the owner demand that the insurance company replace the part?

Elimination of damage by replacing rather than repairing a part (bumper, glass, including windshield, etc.) is possible in the following cases:

• the malfunction cannot be eliminated due to technical reasons;
• the damaged body, cabin or frame of the vehicle does not meet the requirements for acceptance for repairs;
• structural elements and stiffeners are complexly deformed;
• parts have damage, the elimination of which is impractical from a technological or economic point of view.

Conditions after a traffic accident

The conditions for repairs under CASCO are specified in the insurance rules . To obtain compensation for damage, a number of conditions must be met:

1. The event that occurs is recognized as an insured event. To do this, the policyholder must provide the company with:
   documents confirming the occurrence of an insured event;
2. evidence of interest in preserving the vehicle insured under the contract;
3. confirmation of damage.
4. The policyholder fulfilled its obligations under the contract in full. If payment of the insurance premium in installments was discussed, then the cost of repairs is calculated minus the unpaid part.
5. At the time of the event, the insurance contract was valid.

Is it possible to get it if the damage is not confirmed by a certificate of an accident?

In cases provided for by insurance rules, you can receive compensation, including through repairs, without providing a certificate of an accident.

To do this, you need to present the vehicle for inspection by an employee of the insurance company.

Typically,
a simplified procedure for accepting payment documents applies in case of minor damage :

• if the paintwork of one or two body elements is damaged;
• if parts such as headlights, glass, mirrors, antenna are damaged;
• if the amount of insurance compensation is no more than 3% of the insured amount (regardless of the amount of damage).

The number of such requests is limited to 1-2 times during the policy period.

Will they repair cars with damage not caused by an accident or caused by third parties?

If the car is damaged as a result of illegal actions of third parties, the insurance company will send it for repair if all supporting documents are provided. In this case you will need:

1. a certificate from the police department or from a local police officer, to whom you will need to contact with a statement about the offense committed;
2. a copy of the resolution to initiate a criminal case (or refusal to initiate one).

Are there damage limits: do they carry out minor repairs to chips/scratches?

In case of minor damage to the car, it is more profitable to agree to monetary compensation , if such an option is provided for in the insurance contract.
Repair is also possible, but it is likely that it will take a long period of time, although the owner could continue to use the vehicle during this time and restore it himself or in a workshop of his choice in a shorter period of time.

Important! The voluntary car insurance contract does not provide for compensation for minor damage to the paintwork as a result of wear and tear.

Why may a car not be accepted for repair?

There are reasons why a car may not be accepted for repair under CASCO.
The most common reason for refusal is usually the expiration of the insurance contract. In addition, the car owner may significantly delay payments on it, which leads to the insurer refusing to fulfill its obligations. Important : the auto insurer may also not transfer money to the service station under the insurance contract or significantly delay it.
Naturally, no repair organization will work for free. Watch the video about repair times under CASCO.

If your car, despite having CASCO insurance and the appropriate direction, is not repaired, you must urgently contact the insurance company and demand that they provide you with another service station to repair the car.

In case of refusal, it is necessary to demand payment of the monetary equivalent of the cost of repairs. In any case, if the reasons for the refusal are valid, for example, the lack of qualified personnel or money from the insurer, you can wait a little for the elimination of these obstacles. When the obstacles are irremovable and the repairs are delayed indefinitely, it is necessary to demand that the insurance company fulfill its obligations through the court.

Does the company have the right to refuse?

Find out what happens if the insurance company refuses to pay for full car repairs.
The vehicle is repaired at a service station, if possible and economically feasible.

For example, if a car is stolen or completely lost, the insurance company will only be able to pay monetary compensation for the harm caused to the client. also a number of grounds for refusing any form of compensation .

Why does the insurer sometimes not want to approve and send the vehicle for restoration?

In some cases, restoring a car may not be profitable for the insurance company:

1. The insured vehicle is still under warranty (prices from an official dealer, who in this case must be contacted for repairs, are usually significantly higher than the market average) or, on the contrary, is quite old (the company loses money on installing spare parts without taking into account wear and tear).
2. The insurer and the repair organization cannot agree on the list of necessary work.

Important! If the possibility of compensation for damage through repairs is provided for in the insurance contract, the client may insist on restoration work. If necessary, you should submit a written claim to the insurer.

In what case can he refuse to pay?

The insurance company may refuse to pay the full cost of repairs in the following cases:

• Defects on the vehicle appeared due to wear and tear.
• An element was damaged that, at the time of concluding the insurance contract and inspecting the vehicle, had deficiencies, and these were not eliminated after the policy was issued.

Other difficulties when performing repairs under CASCO

In addition to refusing to repair the insured car, the car owner may also face other difficulties. Typical similar situations currently include:

• ​ the car owner has in his hands an insurance contract that stipulates conditions that deliberately delay the completion of repair work;
• ​ various delays and delays on the part of the service station when accepting the car for repairs;
• ​ actual failure to perform repair work when formally accepting the vehicle for maintenance.

To ensure that such situations have not occurred, it is necessary, even at the stage of concluding a car insurance contract, to carefully study all its clauses regarding the timing of repair work under CASCO.
In the event that they are absent, it is necessary to require their inclusion in the car insurance contract. In the event that this circumstance becomes known after the occurrence of the insured event, it is necessary to contact the insurer with a pre-trial claim, in which you independently establish a reasonable time frame for completing such work.

Repair time under CASCO

According to current legislation, the period for repairing a car under CASCO should not be more than 45 days; in the same case, when there is no clause on the period in the insurance contract, the norms of the Civil Code and the relevant relevant laws are applied.

In the event that the car is sent for repair to an official dealer, the restoration period for the car will be 15-30 days.
In the same case, when the insurer, having decided to save money, turns to an unofficial service station, the repair period can be significantly longer, but not exceed 45 days. Important : experienced lawyers advise that if the waiting period for repairs under the insurance policy is delayed, write a pre-trial claim in which you indicate the conditions for payment of funds within a week.
Separately, it is worth mentioning that in accordance with the law “On the Protection of Consumer Rights”, the client of a service station and an insurance company has every right to know about the time of completion of certain repairs, as well as to demand a report from the car service center on its actions when performing repairs under CASCO . If a service station delays repairs or does not carry out repairs at all, you must go to court to protect your rights.

Rules and laws

Voluntary types of insurance, which include CASCO, are regulated by the provisions of several legislative acts. Among them:

• Federal Law “On the organization of insurance business in the Russian Federation”.
• Federal Law “On Protection of Consumer Rights”.
• Civil Code of the Russian Federation.
• Resolutions of the Plenum of the Supreme Court (for example, Resolution No. 20 of June 27, 2013).

There is no separate regulatory act regulating the conditions for the provision of voluntary transport insurance services.

The main documents regulating the relationship between the insurance company and the client are the insurance contract and rules. They vary from company to company, but generally may not conflict with federal law.

Is it possible to choose which service will provide the service?

When concluding a voluntary insurance contract, all conditions for possible compensation for damage are discussed .
Typically, the insurance company offers three compensation options:

1. monetary compensation (cost of spare parts and work to restore the vehicle);
2. repairs directed by the insurer;
3. repairs at a service station of the policyholder's choice.

Attention! A separate item is the restoration of a car that is under warranty from an official dealer.

How is the type of compensation selected? The policyholder can specify any of the options presented. The choice of the type of compensation is made at the stage of registering a CASCO policy.

If the contract specifies only repairs directed by the insurer, then in most cases it will not be possible to choose the service yourself .

However, if the insurance company violates the deadlines for completing restoration work, the policyholder will be able to choose a service station himself, and then recover the losses incurred from the insurer.

Will a replacement car be provided?

In accordance with Part 2 of Art. 20 of the Federal Law “On the Protection of Consumer Rights”, when repairing a durable product, the owner is provided with a similar one for a while.

However, there is a list of exceptions established by Decree of the Government of the Russian Federation No. 55 of January 19, 1998, and vehicles are included specifically in them.

But the possibility of getting a replacement car during repairs still exists in the following cases:

1. This condition is provided for in the insurance contract.
2. The car is under warranty and the official dealer is ready to provide a replacement. Often this service is paid, and the insurance company does not compensate for its cost.

Time standards

The maximum period for repairs is not regulated by law .
It is only stated that it must be “reasonable”.

What is the maximum time frame for restoration repairs? The insurance company's rules must indicate the duration of the work (usually from 15 to 45 days).

In case of serious damage to the car, it makes sense to wait a month for restoration work at an official dealer, in other cases - up to a month and a half.

How long should I wait for approval from the moment I submit the documents?

The average processing time for an application is 15 days from the date of submission of the package of documents.

How long does it last?

On average, repairs last about a month , but the time may increase if the service station is very busy, or there is a lack of necessary spare parts or a specialist with a certain qualification.

Reference! The period for carrying out restoration work must be recorded in the direction for repairs.

Nuances of franchising

Franchise is an agreed amount within which insurance compensation is not made.
If the voluntary insurance contract for a vehicle stipulates the presence of a deductible, then part of the repair costs will have to be borne by the owner of the car.

If the culprit of the accident is another driver, you can compensate for the amount spent by applying for compensation under OSAGO .

Let us clarify that through the culprit’s insurance company it will be possible to reimburse only the deductible. Applying for payment in full for the same case under CASCO and OSAGO is illegal.

How to receive a TTS payment?

UTS - loss of marketable value of a car . The term applies to foreign cars no older than 5 years and domestic cars no older than 3 years with a mileage of up to 100 thousand or 50 thousand kilometers, respectively.

TTC means deterioration in the appearance of a vehicle or a decrease in its value as a result of an accident or repair work.

The Presidium of the Supreme Court, in its review “On certain issues of judicial practice related to voluntary insurance of citizens’ property,” recognizes the insurance policy as real damage requiring compensation.

During the process of repairing a car after an insured event under a CASCO agreement, loss of marketable value may occur as a result of:

• body geometry corrections;
• replacement, repair of its removable or non-removable parts;
• painting the outside of the body, plastic parts;
• disassembly of the interior, which may damage the factory assembly.

To receive payment for TCB, you must take the following steps:

1. Submit an application to the insurance company for compensation for damages associated with loss of commodity value.
2. Conduct an independent examination confirming the fact of harm.
3. If there is no response from the insurer, file a lawsuit, citing Article 1082 of the Civil Code of the Russian Federation, as well as the Federal Law “On Compulsory Motor Liability Insurance” (Clause 2 of Article 12, Clause 2 of Article 15).

In this matter, the court usually takes the side of the plaintiff - the position of the Supreme Court on the issue of payment of TTS has been expressed more than once, and there are a sufficient number of judicial precedents.

Repair from an authorized dealer

As already noted, an official dealer usually carries out repair work within a period of 14 to 30 days, and if the repair period is not established in the contract, it is necessary to focus on the requirements of Art. 314 of the Civil Code of the Russian Federation, establishing a provision on the reasonableness of such a period.

At the same time, an official service station can significantly reduce the period of repair work because the car may be under warranty, and this, in turn, requires repair work to be carried out on it as quickly as possible. In addition, sometimes official dealers issue CASCO insurance directly at the car dealership, and therefore its service station can establish additional benefits for repairs for its clients.

Since the official dealer works only with completely original spare parts and consumables, the cost of repair work can amount to a very significant amount. Additionally, ordering these parts may require additional time in some cases. In this case, the repair organization is obliged to send the client a written notification about the extension of the repair period.

Is it possible to choose a service station yourself?

Yes, the legislation (Federal Law No. 04015-1) does not prohibit this - especially if your car is no longer new. You can receive cash compensation from the insurer and pay for repair work at a service station of your choice. If your car is older than 3 years, the insurance company itself may include a clause in the contract about “repairs at an unofficial dealer’s car service center.”

On the one hand, this will give you the opportunity to choose a service station with the quality of repairs and cost of services that satisfy you. For the insurer, the amount of compensation may also be less, especially if you are ready to agree to install, for example, analog components instead of original ones.

It should be remembered that the quality of repairs at a self-selected service station may be lower, resolving controversial issues more difficult, and the time frame longer.

Carrying out repair work at an unofficial dealer

There are cases when a car insurance company that has entered into a CASCO insurance contract with a car owner chooses the services of an unofficial service station instead of the services of an official dealer. This circumstance is due to the fact that such a service station uses non-original spare parts when carrying out repair work.

As a result, the cost of her work is significantly lower than the cost of work performed by official auto mechanics. In addition, “unofficials” are not so scrupulous about completing documentation, which also allows the insurance company to significantly save on insurance payments.

As for the car owner, in this case he must be prepared for the fact that the repair time may be significantly delayed. This is due to the fact that the “garage” station does not have the ability to debug the technological process so much that this will be the maximum repair period.

In addition, it may also not have the necessary production capacity to quickly service large quantities of vehicles.
Help : in any case, even at an unofficial service station, the period for completing repair work should not exceed 45 days.

Features for a machine under warranty

According to the “Review on certain issues of judicial practice related to voluntary insurance of citizens’ property” approved by the Presidium of the Supreme Court, a car under warranty can only be repaired by an official dealer.

This is due to the fact that when repairs are carried out at another service station, the car owner loses the opportunity to be serviced under warranty at an authorized service center, which is fraught with additional costs for him in the future.

Important! If there is no official service station nearby, the owner of the insured vehicle has the right to demand monetary compensation for restoration work at the cost of repairs at the dealership.

How to resist delays in repairs

In order to prevent delays in completing repair work under the CASCO insurance policy, it is necessary to take some measures. These include:

• ​ preliminary agreement with the service station foreman on the timing of vehicle repair work;
• ​ conclusion in writing of the order-work order with it. This document must not only describe the vehicle submitted for repair, but also indicate the types of repair work and the time for their completion;
• ​ Find out before handing over the car for repair whether the insurance company has any debt to the repair organization, and also how timely it transfers money to it.

In the event that the deadlines specified in the work order begin to be violated, it is necessary to remind them of them and demand that the service station representatives restore the repair schedule. In case of refusal, you will need to draw up a reasoned claim and submit it to the head of the service station. If there is no response to it, you will have to go to court to receive compensation for losses caused by the car’s downtime.

If the car was repaired in bad faith

To prevent difficulties, it is recommended to carefully inspect the machine before signing a certificate of work performed. This will allow, in case of inadequate quality of repairs, to file a claim with the service station employees. By law, the service is obliged to correct defects. Also, the owner of the vehicle has the right to demand a reduction in the cost for the services provided.

It is important to know! If poorly performed work is discovered later, the owner can count on free removal of defects within 2 years. It is possible to receive compensation if the repair was carried out independently.

What to do if repair deadlines are missed

In the event that the insurance company and the service station delay the repair work for various reasons, the car owner has legal mechanisms to protect the violated rights. First of all, it will be necessary to contact the management of the service station with a complaint, which will set a deadline for completing the repair work.

The station must respond to such a complaint within 14 days. This period is established by the Law “On Protection of Consumer Rights”. If there is no answer or it is negative, it will be necessary to go to court.

As for the liability of the insurance company, the Supreme Court recently made a decision obliging insurance organizations, and not service stations, to monitor compliance with vehicle repair deadlines under CASCO contracts.

Moreover, all terms are indicated in the insurance contract, therefore, when signing it, it is imperative to require the insurer to indicate such terms. If this was not done at the time, such deadlines must be indicated in the acceptance certificate for handing over the car for repairs.

What to do if the process is delayed

The circumstances of the current situation will determine the policyholder's course of action if the repair process is delayed. So, if the insurance company does not direct the owner of the car for repairs, he must perform the following actions:

1. Go to the service station and request a copy of the work order for the restoration of the car.
2. Give the insurance company the opportunity to familiarize itself with the text of the application to restore the car to its previous condition by attaching the received document.
3. Wait for a response, and if there is no response, file a lawsuit and send it to the judicial authorities.

If the service station refuses to start work due to a queue, the driver should do the following:

1. Demand that the insurance company change the repair organization.
2. If you refuse, contact a law enforcement agency.

If repairs are not agreed upon, you must ask the service station for an explanation of the reasons for postponing the repairs. If the problem lies in the insurance company’s failure to pay for repair services, it is necessary to send a claim to the insurer requesting the transfer of funds.

In case of delay due to the specifics of the service station’s activities, the driver has the right to pick up his car and contact another organization. After making repairs at your own expense, you need to attach a receipt for payment to the lawsuit and seek compensation through the legal process.

The motorist is recommended to pay attention to the following details so that the repair process does not drag on:

• When completing a CASCO insurance transaction, clarify the timing of repair work, and if this provision is not indicated in the text, demand its inclusion;
• promptly submit documents and certificates;
• be interested in the repair process;
• when providing a car for repair, require the preparation of a document indicating the date of completion of the restoration and transfer of the car to the owner.

By following these recommendations, the motorist will reduce possible risks that may arise in the event of an insured event.

Rights of the policyholder when repairing a car under the insurance policy

The owner of a CASCO car policy, in case of failure to carry out repair work on his car within a reasonable time, has the right to:

• ​ compensation for moral damages from the service station;
• ​ demand for full payment of the cost of repairs;
• ​ search for another service center that will perform similar repair work in the shortest possible time;
• ​ independently set deadlines for completing certain repair and restoration work;
• ​ receiving a discount from the service station.

Such requirements can be satisfied either voluntarily or by court decision. In the event that pre-trial settlement of the dispute is unsuccessful, it will be necessary to go to court. This can be done either independently or through a representative. In this case, it will be necessary to keep in mind not only the provisions of the Civil Code, namely Article 314, but also the Law “On the Protection of Consumer Rights”.

Receiving money instead of repairs

In addition to judicial protection, a way to restore your violated rights when carrying out repair work under CASCO is the possibility of receiving payment for the restoration of the car in cash. In this case, the car owner will have to repair his car himself. This allows him to personally monitor the situation with the supply of necessary spare parts, as well as the correctness and order of execution of certain repair work.

Receipt of monetary compensation usually occurs when the insurance company delays the time it takes to issue a referral for repairs, there is no agreement on the issue of car repairs with the service station, or it is impossible for it to carry it out. In this case, funds are paid by the insurance company on the basis of a written claim sent to it.

Current practice shows that this option is far from the best way out of the current situation. For example, a novice driver should in any case agree to repairs under the insurance policy. Otherwise, he risks being left without a working car and without money, since he will not be able to carry out repairs on his own. Due to my lack of experience in this matter.

Other options

A payment option is also possible when, in agreement with the insurer, the client repairs the car himself, and then only presents him with invoices for payment. This is a riskier method of compensation, since the company may not accept all expenses and repairs, for example, old damage or manufacturing defects will not be compensated.

The terms of insurance may provide for the replacement of the insurance payment with the provision of a car similar to the lost one. Payments in kind are made extremely rarely, but sometimes they do happen. By the way, this method is provided for in Art. 10 of the Law “On the Organization of Insurance Business”.

Conclusion

CASCO car insurance is a convenient and familiar way to protect your car from various troubles, ranging from road accidents to various damages under force majeure circumstances . In this case, sometimes various problems may occur, including delays in the completion of repair work.

They usually occur due to the fact that, when concluding an insurance contract, the car owner did not control certain aspects regarding the procedure for performing repair work and their timing. In the event that the policyholder has conscientiously performed his responsibilities, having studied the contract thoroughly, he does not have to worry about the fact that the repair of his car will not be completed on time.

Therefore, immediately after an accident or another insured event, it is necessary to immediately submit documents for their registration.
Important : all document flow processes must be controlled independently.
After delivering the car to the service station, you also do not need to forget about it and constantly monitor the progress of all work.
Only such strict control will allow the damaged car to be repaired in the shortest possible time. In any case, you should not bring the case to court, as this will delay the entire process of compensation for damage for a long time, but if you have to go this route, the owner of the CASCO insurance policy will be reliably protected by the Law “On the Protection of Consumer Rights.” Post Views: 523

Conditions and rules for receiving compensation under comprehensive insurance

CASCO is a voluntary type of insurance, which is regulated only by the law “On the Organization of Insurance Business”, the Civil Code of the Russian Federation, the Insurance Rules and the policy itself.

The conditions for receiving payment are fully stipulated by the insurance and provide for receiving money only after the policyholder submits an application and all documents confirming the occurrence of the insurance event, as specified in the contract. The insurer must inspect the damaged car and draw up its report.

The amount of insurance payment is determined based on:

• calculation of the cost of restoration repairs by the insurer and independent experts;
• service station invoices and work orders;
• agreement between the parties in case of controversial issues.

Even for minor damage, for which a simplified procedure for settling losses is provided, the policyholder is required to provide an application, copies of the policy and a number of other documents. Thus, the main condition for payment of compensation is:

1. occurrence of an insured event;
2. timely informing the insurer about this (usually by phone within 24 hours);
3. submitting a written application (within 5 days);
4. as well as providing the damaged car for inspection and examination (the insurer is obliged to inspect it within 5-7 days).

An important condition is also the safety of the damaged car in the same form as it was after an accident, fire or damage for another reason. If the policyholder has not violated the terms of the contract and his case does not fall under the list of exceptions, then he will definitely receive payment.

We talked more about what needs to be done and what documents are needed to receive CASCO payments in case of an accident in this material.