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Casco: damage to the vehicle. Add. inspection for hidden damage (for MTPL or comprehensive insurance losses) Insured event under comprehensive insurance, the owner damaged the car

The CASCO voluntary car insurance policy, issued by the car owner, involves the protection of movable property from most possible problems.

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However, practice shows that receiving a payment, especially on a large scale, can be problematic.

What situations are recognized as insured events, and what is required to receive payment under car insurance, read on.

Legal basis

Currently, there is no separate law on voluntary car insurance, therefore the parties who have entered into a CASCO agreement are required to be guided by:

Rules developed by the insurance organization and mandatory for all employees;
The Civil Code, on the basis of which individual rules are developed.

No accidents

If the damage was not received as a result of a road accident, then the insurance claim is processed according to the standard scheme.

The main difference lies in the set of documents provided:

if the damage was received as a result of the actions of third parties, then notification of the occurrence of an insured event will be required, as well as a certificate with a list of damages (documents can be obtained from the police department whose employees recorded the incident);
in the event of a natural disaster, the package of documents is supplemented with a certificate from the Hydrometeorological Center;
In the event of an explosion or fire, insurance company employees require a fire inspection report.

How many times can you get paid?

Payments under a CASCO insurance policy can be received many times. The only condition is that the amount of payments should not exceed the insurance amount established by the contract.

For example, the contract establishes an amount of 560,000 rubles. The car owner has the right:

How to get the maximum amount

The maximum payment, as mentioned earlier, is fixed by the insurance contract and cannot be more than the actual value of the vehicle.

It is quite difficult to obtain the maximum amount of insurance compensation because:

when a car is stolen, depreciation will be deducted, which is determined monthly or daily (depending on the rules of the insurance company). Thus, if a car is stolen several months after insurance, the amount of compensation will be reduced;

the maximum amount is reduced by the amount of previous compensation;

After an accident, every driver who has purchased protection has the right to protection. But in reality, only a small part receives it. To receive compensation for damages under CASCO in case of an accident, you must provide a number of documents.

Half of them are usually not even necessary, but the insurance company requires them. To protect yourself and be guaranteed to receive a payment, you need to know what CASCO is, the procedure for contacting the insurance company and the terms of payments.

CASCO – car insurance carried out on a voluntary basis. It allows you to protect yourself in the event of an accident or vehicle theft. The policy is valid even if an accident occurs due to your actions.

Sample CASCO policy.

Every driver has the right to choose a convenient insurance method for himself.

But before you decide, you need to carefully study the conditions:

what insurance incidents can be insured;

maximum payout;

application deadlines;

payment process.

Of all the above, the maximum payment under CASCO plays an important role. This amount is specified in each insurance contract. If the maximum payment under CASCO is lower than the damage itself, then the company must still pay the maximum amount specified in the contract.

By law, the maximum payout is set by the person's preferred insurance company.

But it’s worth knowing that some programs provide insurance for a specific traffic accident. Therefore, the more cases you indicate in the contract, the higher the maximum payment will be. Before you sign the document, study it carefully so that in the event of an accident you will not be left without payments.

Legal relations between a person and an insurance company are regulated by the laws of the Russian Federation. Among them:

Law “On the organization of insurance business in the Russian Federation”;

Law on Consumer Protection".

In addition to these laws, relations between the parties are regulated by regulations adopted within the company. We can draw a small conclusion that each insurance company sets its own rules and conditions for the provision of insurance services.

CASCO policy rules

Receiving compensation from an insurance company is inextricably linked with knowledge of a number of rules. There are various types of CASCO insurance, which insure not only against damage in road accidents, vandalism and other troubles. All of them are indicated in the CASCO insurance contract.

When the car owner contacts the insurer, the policyholder is obliged to send documents confirming the incident, and the company must recognize the incident as an insured event.

Expert opinion
Natalya Alekseevna
CASCO payments are made according to the insurance contract. However, the amount of compensation for a damaged car is not always equal to the maximum amount specified in the contract.

How are payments for CASCO insurance calculated? In the case of a traffic accident, the amount depends on the damage. To determine it, a special examination is carried out.

Calculation can be carried out:

an independent expert who has a special license for this type of activity;

technical service.

Every contract has a clause that stipulates the amount of return: damage can be reimbursed in full or in part. If the car is stolen and it cannot be returned, the maximum amount specified in the insurance contract will be paid.

CASCO insurance step by step.

Receipt of compensation is carried out as follows:

car repair;

payment of a specific amount;

replacing the vehicle with the same one.

The car is sent by the insurance company to a partner service station for repairs. After the car is restored, the insurer pays the cost of repairs. As a result, you receive a vehicle suitable for use.

The insurer pays the company money only after conducting an independent examination or providing a document confirming the costs of car repairs. The compensation amount can be given in person or transferred to your personal bank account.

Replacement of a car is carried out only in the event of theft or complete destruction of the vehicle, and this rule applies exclusively to new, expensive vehicles.

But it is worth highlighting the following point: in such situations, depreciation of the car also plays a big role. If the cost of a new car at the time of its destruction is higher than the maximum insurance amount, then the person will have to pay the missing funds himself.

The driver should remember that the insurance company is reluctant to take on such cases and often refuses to compensate for the damage. Why is this happening? The insurer has the right to refuse to pay damages in the event of failure to fulfill obligations under the contract: the policyholder intentionally damaged or destroyed the car.

A refusal can be obtained in case of gross violations of traffic rules. For example, the driver was driving drunk or without a license. War and nuclear explosion are also reasons why an insurer may not pay compensation.

Procedure for applying for payment under CASCO

Nuances of the CASCO policy.

How to receive a CASCO payment after a traffic accident. It is quite easy to receive insurance payments under CASCO, but you need to know the application deadlines and what documents you will need. Don’t forget about the rules specified in the contract.

First, you should write an application for payment to your insurance company and submit all the necessary certificates. The main action that determines the entire further course of events is the need to inform the insurer about the accident immediately from the scene of the incident. You must provide complete information about the accident within a week.

What documents must be attached to the application?

Each individual incident requires a different package of documents.

In case of theft, you must provide:

policy;

PTS original;

car registration certificate;

all keys available to operate the vehicle;

other documents required by the insurer.

In a situation where documents and keys were in the missing car, you should provide papers confirming this. Some companies cover the loss of keys and documents.

In case of damage, you need to apply for insurance compensation with the following documents:

insurance policy;

a document confirming the registration of the car;

documents prepared by the road transport service;

expert opinion;

receipts confirming vehicle repairs;

other documents.

Each company requires a different package of documents, so you need to check with your manager for a complete list. All of the above are mandatory for any insurer.

The documents must contain information about the owner, who caused the accident and the amount of damage caused. Only on the basis of this information does the Investigative Committee make conclusions.

Do I need to present the car to the insurer?

Franchise and payments under CASCO

In the event of a traffic accident, any insurance company will require that you provide it with a car for inspection. This procedure is the basis for receiving payments. The insurance company calls an expert to inspect the car. He conducts a detailed examination and makes a conclusion.

The car should be provided to the insurance company even when it is impossible to restore it, since some parts are likely to remain intact and can be sold. In such cases, the amount of payments becomes less.

We repair it ourselves or get an estimate

At the driver's request, he has the right to receive compensation in kind; in this case, the insurance company issues an estimate for repairs. It is issued only after studying all the documents and making a decision. In some cases, the insurer sends the car to a specific service station specified by the insurer.

Also, the owner has the right to restore the car himself. You should contact the insurance company after drawing up a full estimate from a car mechanic at any service station. All receipts and estimates should be kept. They play an important role in determining the amount of payments.

When the car is restored, it must be shown to the insurer. After a re-examination and completion of all work specified by the insurance company, you can safely use the car.

Is it possible to get money instead of repairs?

The insurance contract stipulates in what cases what type of compensation is due. Most companies decide on the type of compensation when concluding a contract.

The insurance company most often gives the policyholder the right to choose the type of compensation. Experienced car owners recommend receiving money rather than repairs, since partner service stations often supply used parts, and the quality of their work leaves much to be desired.

When applying for payment, the policyholder must indicate the type of compensation in the application.

Is payment due in case of self-damage to the vehicle?

You can also receive compensation if you damage your car yourself. However, in case of intentional damage to the vehicle, this rule does not apply.

Differences between voluntary and compulsory insurance.

Examples of situations: in bad weather, a car skidded on the road and collided with an obstacle, pole or fence.

To receive payment, you must provide documents confirming this incident. The procedure is as follows: we call the traffic police to the scene of the accident to confirm the fact of the accident. The driver has the right to use the service of an emergency commissioner operating under the CASCO agreement.

There are a number of breakdowns that do not require documentary evidence.

These include:

peeling of paint on a specific part;

glass that broke in an accident;

damaged headlight;

the mirror burst;

damage to the standard antenna.

Each insured company provides a similar list at the time of concluding the contract. The list may change depending on the rules of the UK.

What to do if the insurance company cannot pay compensation?

The insurance company has the right to fail to perform its work only if the license is revoked or if it no longer exists. Despite the fact of deprivation of the license and the inability to enter into new contracts, she must fulfill her obligations to the policyholder. You can apply for payments within six months after the license is revoked.

If the insurance company refuses to pay for damage caused by an accident without special grounds, you should write a claim in writing addressed to the director of the company.

All documents for receiving payments must be attached to the claim and a reference to the law governing this right must be provided. The company must respond within 5 days, otherwise it will have to go to court.

Payment terms for CASCO insurance

It is worth noting that the payment terms for CASCO and OSAGO differ. Therefore, you should find out about them at the time of concluding the contract. No legislation stipulates payment deadlines. There is only a law that regulates the right of the insurance company to install them independently and stipulate them in the contract with the client.

On average, you can receive an insurance payment within a month. After this period has expired and compensation has not been received, the policyholder has the right to safely submit a claim to the insurance company.

But there are a number of legitimate reasons to delay the time frame for compensation.

These include:

The company cannot agree on the cost of the damage.
Solving such a problem is simple: at the time of submitting the application, you need to visit the service station and receive an order for repair work and an invoice, and then take the documents to the insurance company.

Your job is to be in line.
The IC should inform you about this.

It is also worth noting that the countdown of days begins from the moment all necessary documents are provided to the insurer. If it is necessary to conduct an examination, the period for payment under CASCO will depend on when the conclusion is ready.

Bottom line

It is possible to receive compensation for damages under CASCO in case of an accident, but there are important nuances for the policyholder.

The owner needs to submit an application and a number of documents.

The amount paid to you must be spent solely on repairing the vehicle.

The procedure for applying for payment from insurance companies is usually the same, but it may differ.

To receive compensation, you must initially behave correctly and follow all the rules specified in the contract. After all, the slightest deviation from them can lead to refusal.

Tell us about your experience of receiving compensation under CASCO?

I would divide the damage that your car may receive into two types. The first type is associated with road traffic accidents, and the second type of damage is associated with illegal actions of third parties.

Depending on the type of damage, the payment or denial of payment under the insurance policy may depend. Let's figure out how these types of damage differ. The rules say that if damage is discovered, you must inform law enforcement agencies, obtain a certificate, etc. etc.. The competent authorities, in turn, are divided into traffic police officers (i.e. traffic police officers) and public security officers (precinct officers, patrol officers and others). Therefore, if, for example, you woke up in the morning, went out to your car and noticed damage, then you should not immediately run to the local police officer and try to negotiate with him to write you a certificate and provide it to the insurance company.

What to do if you notice damage to your car?

The first step is to assess the damage. The damage should immediately be attributed either to the traffic accident or to the unlawful actions of third parties. If you see traces of damage to any car, for example, a bumper or damage scratched by a nail or board, or an impact, then you need to call a traffic police officer, who will inspect the car upon arrival and issue you a certificate of participation in an accident, after which You can contact your insurance company for a certificate.

The insurance company, in turn, will easily offer you to repair the car in its service center. If you find damage associated with illegal actions of third parties, then you need to contact the duty station with a shift statement and you will be given a notification coupon, which will mean that the statement has been accepted and registered in the proper manner, after which an expert group will be called or district police officer and a protocol for examining the scene of the incident was drawn up. Next, you will be given the necessary documents, with which you will contact the insurance company. If your car catches fire, you must contact the fire department (EMERCOM). If your car is damaged as a result of weather conditions, then you will need to contact the weather center to obtain the appropriate certificate and report the incident to the insurance company.

And the last piece of advice is not to confuse the sequence of actions and the sequence of calls. Many insurance companies refuse to settle your losses without hesitation, only because if you were scratched by a nail, you contacted the traffic police, and if your bumper was damaged, you contacted the local police officer.

In the modern world, with a frantic pace of life, various unpleasant situations await car owners on the road, sometimes requiring a lot of money to resolve.

Dear reader! Our articles talk about typical ways to resolve legal issues, but each case is unique.

If you want to know how to solve exactly your problem - contact the online consultant form on the right or call by phone.

It's fast and free!

List of insurance cases

List of insurance cases for payments:

Damage or complete destruction of part of the vehicle or its entirety.

Road traffic accident.

Fire, car explosion. The exception is situations caused by malfunctions of the car (except for breakdowns resulting from an accident), if this is not specified in the contract.

As a result of exposure to natural phenomena(lightning, hail, whirlwind, tornado, etc.). If the emergency is declared a natural disaster, there will be no payments.

Damage caused by falling ice, snow and other objects.

Theft of vehicle parts or intentional damage to the car by third parties.

Theft as a result of robbery, theft, theft, etc.

Loss in market value due to accidents and repairs associated with deterioration of the performance properties and durability of vehicle parts.

Damage or breakdown BEFORE, which cannot be restored in the event of: an accident, fire, natural emergencies, falling foreign bodies, exposure to animals, theft and theft. Enabling this parameter is possible only if the “Damage” risk is specified in the insurance document.

Civil liability insurance, in the event of an accident that occurred in the light of fortuitous events and caused damage to third parties and their property.

Accident– this is the influence of forces of external factors of a physical nature, aimed at the body of the insured person against his will, which led to damage to the body, internal organs, disrupted the functioning of the entire body as a whole and even provoked death.

Insurance cases without an accident:

If the driver of the insured vehicle hits an obstacle, without damage to third parties.

Damage that occurred without the participation of an unauthorized vehicle (punctured tires, broken windows, etc.)

Loss of integrity of the glass elements of the machine due to random factors. For example, due to the road surface hitting the headlights or windshield.

List of non-insurable events

List of non-insurable events:

If intentional damage was caused to the insured property. Provoked or did not prevent the theft or theft of a vehicle or its parts.

If an insured event occurs as a result of driving a car while drunk or otherwise intoxicated.

When the vehicle, at the time of damage, was under the control of a driver who did not have the right to operate this property.

If the vehicle at the time of the incident was in a critical condition as described in the traffic rules.

In the absence of technical inspection. However, if the car was not moving and it was stolen, then payments will still be made.

If the contract does not cover the territory in which the insured event occurred.

When carrying out activities not specified in the text of the contract.

When the vehicle is used for training.

Damage caused during loading and unloading of the vehicle or during its transportation.

If the damage was caused by military or similar actions.

In case of seizure of property by court decision.

When a car was damaged in a terrorist attack.

With deliberate exposure using an open flame.

A defect that arose as a result of improper repairs or defective spare parts installed during repairs.

Operating the machine for purposes other than intended.

Fraud and extortion.

If fire safety rules were not followed.

Malfunctions in the electrical system.

When parts break down in the car.

When the leased or loaned asset has not been returned.

Damage caused to the wheel part of the car, which was not caused by the breakdown of other parts in the vehicle.

Theft of wheels, rims and hubcaps.

Minor surface damage that does not threaten damage to the body or other parts.

Loss of equipment that is not included in the factory configuration and is not insured under additional conditions.

Damage from wear and tear caused by natural factors or due to the equipment of the vehicle interior with technical means not specified in the insurance document.

The motorist sustained minor damage.

If the theft became possible due to the fault of the owner of the car.

Theft of insured property, if it was not in the vehicle.

Damage or theft of registration numbers.

Damage caused or complete theft of removable devices.

In case of violation of the rules for storing a car.

If the interior of the product was damaged due to careless handling of fire.

Documents for payments under CASCO

Package of documents required to receive payments under CASCO:

Passport.

Documents for the car and driver's license (copy and original).

CASCO and OSAGO policy.

Road accident diagram certified by the traffic police.

If the vehicle has been stolen, you must provide the insurance company with key fobs, chips and car keys.

Application to initiate a criminal case in connection with theft (copy only).

If necessary, you will have to submit additional documents to the insurance company.

In what cases can insurance benefits be denied?

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Violation of deadlines for submitting documents to the insurance organization.

Providing documents in violation of rules, deadlines or lack of information covering the events that occurred and proving the occurrence of an insured event.

The case is included in the list of exceptions that were stipulated in the drawn up contract.

False information in submitted documents.

Payments have already been received previously from the organization of the person responsible for the accident.

Failure to provide the right to compensation for damage caused by the perpetrator.

If the amount of compensation is greater than the cost of the insured vehicle.

When the insurer received bankruptcy status.

In case of loss of legal force of the insurance contract for the reasons described in its clauses or the legislation of the Russian Federation.

The policy was stolen or lost.

The insurance premium was not received by the insurer in full.

Basic Concepts

CASCO

This is a type of insurance carried out at one’s own request, in which the client’s car becomes the object of insurance.

Policyholder

The policyholder under the CASCO agreement can be any person who uses the insurance object legally in whose interests its safety is in the interests of, i.e.:

Owner of the vehicle.

A person who operates a car under a general power of attorney.

A person who has entered into a leasing or rental agreement with the owner of the insurance object.

Beneficiary

This is the owner of the vehicle. If the car was stolen or it is impossible to restore it after an accident, provided that it was purchased on credit or lease, the beneficiary is the pledge holder, i.e. the person interested in the safety of the property.

The policyholder can be any legal entity or capable individual who owns a vehicle.

With CASCO you can insure your car against theft, theft or damage.

Vehicle

Any means of individual and public use of a domestic or foreign manufacturer that is subject to state registration with the traffic police is recognized.

Optional equipment

These are technical mechanisms that cannot be removed, that are not included in the manufacturer’s equipment or devices recognized as such during the signing of an insurance contract - radio tape recorders, chambers and spoilers.

Not covered by insurance are recorders, navigation equipment and anti-radar devices.

DO is insured under 2 clauses:

Risk of theft.

Damage to property.

The conclusion of a contract under DO may be refused if the owner does not have a receipt or other document confirming the purchase of equipment subject to insurance. It should be remembered that the purchase of a full CASCO package does not include risks under the insurance policy - this is a separate option and is included in the document at the request of the client.

It is impossible to insure DO without obtaining CASCO insurance. Typically, the insurance rate for DO is 10–15% of its cost, taking into account wear and tear.

Driver

This is an individual who operates a vehicle legally and has a driver’s license of the appropriate category.

Passenger

Any person who is in the vehicle at the time of its use is recognized.

The insured persons are both passengers and the driver.

Victim

A person who was harmed or his property was damaged during the operation of the machine.

Object of insurance

Under the CASCO agreement, the property interests of the vehicle owner are recognized, which do not contradict the legislation of the Russian Federation.

Such interests may be related to:

With the operation of a car and additional equipment - theft, hijacking and death of the vehicle.

Due to the loss of ability to work of the driver or passengers of the car resulting from an accident.

With the owner’s obligations to compensate for damage caused to other persons while driving the car: to the driver and passengers of the insured vehicle, in case of damage to the car, trailer, transported cargo, DO or other property.

When indemnifying the insured for the costs of legal or out-of-court proceedings related to liability for harm caused to injured persons. Coverage can be full or in accordance with the established limit, which is specified in the text of the CASCO agreement.

To conclude an insurance contract, vehicles that are in good condition and have passed state registration with the responsible authorities are suitable, which means that they are not listed as theft or other offenses in the Russian Federation and abroad.

Responsibility for timely and accurate provision of information lies with the policyholder.

Question Answer
This type of insurance guarantees protection of the vehicle from any damage, regardless of the driver’s fault.
Yes, insurance pays even in such cases.
CASCO insures the car, not the person who owns it, so the identity of the driver of the vehicle does not matter.
He needs to carefully read the contract and discuss all the risks before signing the contract.
It is better to entrust the preparation of a CASCO agreement to an auto lawyer who has good experience and extensive work experience.
— Compensation in cash;
— Vehicle repair at a service station at the expense of the insurer.

No. The timing of repairs depends on other factors.
After an accident, car owners strive to quickly return the car to its previous appearance and working condition. In such cases, the fastest and most reliable way to restore a vehicle is a CASCO insurance policy. This type of car insurance provides guaranteed protection of the car from any damage, regardless of the driver’s fault.

The policy owner has a real chance to protect his property and finances, but the CASCO rules, like any other contract, are limited by conditions. If the client commits violations, the insurance company has the right to refuse compensation for financial losses under CASCO insurance in the event of an accident.

Sometimes insurers use far-fetched excuses to reduce the amount of compensation or not recognize an accident as an insured event. Most often, the courts protect the interests of car owners, since there are very few legal grounds for refusing to pay insurance. In order not to lead to litigation, when choosing and purchasing a policy, it is important to correctly evaluate the benefits offered by insurers and carefully study the terms of the contract.

How CASCO protects in case of an accident

Compulsory MTPL insurance for all vehicles does not apply. The policy is exclusively related to the liability of the owner of the car. The advantage of voluntary CASCO car insurance is that compensation for damage does not depend on fault in the accident. Insurance must be paid even in situations where the insured person is found to be at fault for the accident.

Drivers take out insurance solely at their own request. Everyone has the opportunity to choose the necessary insurance services and conditions acceptable to themselves. The car owner himself decides which adverse events he should insure against, and what can be excluded from the list proposed by the insurance company. According to the official clarification of the Supreme Court issued in 2014, compensation for financial losses resulting from an accident is always paid.

Who drove the car and whether the car owner entered it into the policy does not matter. CASCO insures the car, not the person who owns or drives the vehicle.

At the legislative level, car repairs or monetary compensation must be made in any case, but in practice, insurance companies often reject applications from car owners and seek to shift payments to the insurers of the at-fault drivers. In order to avoid ending up in an unpleasant situation, it is necessary to correctly document the accident, correctly report the event and submit the documents to the insurance company in a timely manner. A superficial approach, negligence and errors in documentation can be grounds for refusal to pay.

How to draw up the correct CASCO agreement to maximize the protection of your interests in the event of an accident

Every month, the insurance company deducts the vehicle depreciation percentage from the CASCO compensation amount, and the payment is reduced accordingly. Even if you have an accident the day after you receive the policy, the monthly premium will be deducted. This is not the only case proving the desire of insurers to reduce CASCO payments.

To protect yourself from such troubles and achieve maximum payment, read the contract carefully. Risks must be discussed before the document is signed.

Pay attention to the calculation form, that is, how compensation will be calculated in the event of an accident. Options are possible here: calculations by the insurer, calculations by an independent expert, or on the basis of an invoice provided by the injured party. In most cases, the amount of insurance is determined based on calculations made by the service station at the request of the insurance company.

Find out details about payments. Policyholders have the right to choose between monetary compensation, repairs at the dealer's station or at a service station at the client's choice.

Study the list of cases that the company recognizes as insurance, as well as situations when the insurer has the right to refuse compensation for damage. This is one of the key points of the agreement. If the document provides a general classification and uses vague language instead of detailed descriptions of insured events, do not sign the document and contact another organization.

Do not rush to agree to include a deductible in your insurance. The insurer may announce the numerous benefits you will receive, but not provide information about important nuances. A franchise is monetary compensation. If an insured event occurs, it is not paid. All that the client receives from the franchise is a discount on the purchase of an insurance policy. Including a deductible in the policy, in case of minor damage after an accident, the car owner is not compensated for damage. In more serious cases, the deductible amount is deducted from the insurance compensation. If we analyze the practice of settling insurance events, the deductible is unprofitable for car owners who more often than others become involved in road accidents. The repeated costs of repair work significantly exceed the amount saved by purchasing the policy. It is safer for inexperienced drivers to buy a CASCO car insurance policy at full price and without a deductible.

Check the terms of the contract. Most often, the document has legal force for one year. At the request of the insurer, the contract can be drawn up for a shorter period, but in such cases the policy is more expensive, since its cost is calculated by month.

Lists of conditions and the number of contract rules may vary among insurance companies. When choosing the best option, study and analyze all the points.

You can figure out the nuances yourself, but it is better to entrust this matter to an experienced auto lawyer.

Driver's actions after an accident

To ensure that the insurance company does not have a reason to refer to the delay in fulfilling mutual obligations, it is necessary to contact the insurance company immediately after the accident. Call and report what happened. Be sure to include the address of the scene of the incident, contract number, vehicle details and your contacts.

Submit your application within the deadlines specified in the contract. The document is filled out in person, indicating personal data, vehicle characteristics, location, date and details of the accident.

Submit your damaged vehicle for inspection. If it is not possible to transport the car, damage assessment is carried out at the scene of the accident after the emergency situation has been recorded and dealt with by traffic police officers. The inspector draws up a certificate of the accident, a diagram of the incident, a protocol and a resolution on the administrative incident. It is advisable to obtain and provide documents to the insurance company on the day of the accident.

Witness testimony, as well as collected photo and video materials, may be useful.

Documents to the insurance company

When contacting the insurance company, you must provide the following documents:

Passport;

Driver's license;

Documents for the car;

CASCO policy;

A certificate of the incident and a diagram of the accident, certified by the seal and signature of the traffic police inspector;

Protocol and resolution on an administrative offense;

Court decision (if any).

If the car is on credit, you will need a certificate from the bank. The credit institution must designate the recipient of the funds. If the client is in good standing, the bank allows the car to be repaired and compensation received. In cases where the borrower violates the terms of the loan and regularly makes late payments, the bank, being the beneficiary, can take advantage of the insurance payment and include it in the loan account.

Important! To clarify the details and circumstances of an insured event, the insurer has the right to require the client to provide any certificates and additional documents.

Damage assessment

Before paying compensation to the client, a representative of the insurance company assesses the damage caused to the car and analyzes the cost of repair work. The insurer records the damage in the inspection report, after which the amount of insurance is calculated. Unreported damage is not included in the payment. For this reason, it is advisable for the car owner to be present during the assessment procedure.

If the insurer deliberately does not include the discovered hidden damages in the report, you can insist on additional examination. Much will depend on the attitude of the insurer towards the client and the coherence of its actions. If an insurance company values its reputation and its clients, a compromise will be found out of court.

Refund procedure

Damage under CASCO in case of an accident provides two methods of compensation: monetary compensation and repair of the car at a service station at the expense of the insurer. Policyholders choose repairs more often than money. This is due to the fact that clients are afraid to receive an amount that is not enough to fully restore the car.

The car insurance contract must stipulate the terms of payments in case of an accident. There are no uniform norms, but the Civil Code of the Russian Federation (Article 314) has the concept of “reasonable time”. In judicial practice, a period of 30 calendar days is applied to this provision. The report begins immediately after the driver has provided the necessary documents.

Responsible insurers with a good reputation, such as Rossgostrakh, Reso, AlfaStrakhovanie, Ingosstrakh, will compensate for damage within 2 weeks.

If a company delays payment under various pretexts, you can safely file a complaint with the court and demand, in addition to compensation under CASCO, payment of penalties that arose during the proceedings.

Reasons for refusal to pay

Unreasonable refusals have no legal force. First, the client needs to find out what served as the basis for the refusal of insurance compensation. Most often the reasons are:

Loss of insurance policy;

Failure to contact the insurer in a timely manner;

Lack of documents from the traffic police;

Malicious traffic violations (driving into oncoming traffic, speeding, running a red light, etc.);

Driving under drugs and alcohol;

Suspicion of intentional damage to insured property.

This is an indicative list of circumstances. Unscrupulous insurance companies can find dozens of other reasons to refuse payment under CASCO and accuse the car owner of violating the rules of the insurance contract.

When faced with an unreasonable refusal and a deliberate underestimation of insurance payments, seek justice in court.

You can use the services of anti-insurers. Law firms specializing in resolving controversial issues will help you file a claim against the insurer and collect a package of documents confirming the occurrence of an insured event and the car owner’s right to compensation for damage under CASCO.

Repair at a service station in the direction of the insurance company

When choosing the in-kind form of compensation for damage under CASCO, the policyholder is given a referral to the service station. This is a kind of letter of guarantee in which the insurer undertakes to pay for repairs to restore the insured person's car.

The insurance company cannot influence the timing of repairs. They depend on the degree of damage to the car, as well as a number of subjective factors: lack of spare parts, workload of the technical center, etc. If additional damage is discovered, service station employees do not have the right to begin eliminating them without coordinating their actions with the insurance company. The car owner himself has nothing to do with money. The technical center issues an invoice for the work performed to the insurance company in accordance with the terms of the contract.

Question	Answer
	This type of insurance guarantees protection of the vehicle from any damage, regardless of the driver’s fault.
	Yes, insurance pays even in such cases.
	CASCO insures the car, not the person who owns it, so the identity of the driver of the vehicle does not matter.
	He needs to carefully read the contract and discuss all the risks before signing the contract.
	It is better to entrust the preparation of a CASCO agreement to an auto lawyer who has good experience and extensive work experience.
	— Compensation in cash; — Vehicle repair at a service station at the expense of the insurer.
	No. The timing of repairs depends on other factors.