"Pitfalls" of automobile insurance

Probably no longer exists motorist who does not know the meaning of words such as compulsory motor TPL insurance and helmets. Car insurance become a part of our lives. Nevertheless, the insurance policy does not always justify our expectations. Motorists still face problems in obtaining insurance payments. And it happens mostly due to ignorance of the laws and insurance regulations. On what to look for when you make policy? For a long time controversial issues CMTPL tops the list of delay in payments. Despite the fact that the terms clearly stated in the law (to pay compensation, or refuse to pay you should within 30 days), as to form an insurance company could defer a decision pending receipt of necessary information. For example, insurers are allowed to make requests to the competent authorities. And it sometimes lengthen the term of consideration of the insured event up to 45-60 days. There may be other situations. Suppose a man wrote a statement that collided with a KAMAZ, but did not mention that after the collision car flew into the road fence, overturned and crashed into a tree. The insurer have a question: contact with KAMAZ was right, where damage to the left and on the roof? On this basis, the company may request additional information, get an explanation. And if you confused them, this can lead to problems with obtaining money. And because it is very important in the application for compensation immediately to describe in detail the situation, not neglecting even the small details. Damage in the accident, to be compensated under the contract OSAGO, assessed by independent experts. But, as experience shows, the appraisers are often intimately friendly with the insurers and by all means reduce the amount of compensation to a minimum. In addition, examination is done on the basis of guidelines NAMI (Central Scientific Research Automobile and Automotive Engines Institute). In this case, one hundred-imost standard hour of repair work on the average foreign-made car, according to this Regulation, amounts to little more than 300 rubles. Clearly, no one decent service will not work for the money. Another reason for understating the amount of payments - depreciation of the vehicle, which is taken into account in calculating damages. As lawyers say, sometimes it comes to the absurd - wear and tear experts define the level of 95%. But at the same rate decreases and the payment of the policy! Again, it turns out that to restore the car in the "pre-emergency" form on the money received from the insurer is not possible. But all is not hopeless. First, the law gives the right to provide expertise in the event of an accident and injured himself, but the insurer must accept it and compensate for the damage. In addition, if an insurer underestimated the amount you can spend your expertise and submit to the court. As practice shows, the judges almost always side with the victim. With the refusal to pay insurance policyholders and owners are facing Casco. Reason - in the rules of th conditions of the insurance contract, which, no matter how corny it sounds must learn before, not after the payment of insurance. Especially pay attention to what is written in small letters. For example, you can often find this wording: "the case is not recognized by insurance if the accident occurred in violation of traffic rules." Why, then, to insure against damage resulting from traffic accidents on helmets? If you are not guilty, then you already receive compensation for compulsory motor TPL insurance from an insurance company guilty of the accident. Or here's another phrase: "The payment is made net of previously made payments. That is, it turns out that when you first got in an accident and a month later your car theft, you will receive only a fraction of its value, since the amount of insurance will be deducted funds issued to you prior to repair the machine. And there are tricks to meet a lot of car insurance contracts, and are constantly inventing new schemes to progress payments. All of this suggests that in choosing an insurer to the same responsibilities, both when buying a comprehensive insurance and compulsory motor TPL insurance. Olesya PONKRATEVA, MK