Dgo reso guarantee. Insurance dsago, dgo: what is it and what is it for? The cost of the policy in different companies

Disputes with the insurance company in the event of an insured event are frequent. Each car owner can save himself from unnecessary discussions by ordering an independent examination of his vehicle after an accident. In this article, we will consider in detail what an independent examination is, what it gives and what procedure should be followed during its conduct.

○ Independent examination of OSAGO after an accident.

The essence of this type of examination is that the vehicle is inspected after an accident by an independent person who has nothing to do with either the insurance company or the victim.

Its role is played by specialized companies. In order to exclude the option of pressure on an expert, it is important to choose it yourself, not focusing on the proposals of the insurer.

Carrying out independent expertise regulated

1. Federal Law "On Compulsory Insurance ..." dated February 25, 2002 No. 40-FZ (hereinafter No. 40-FZ).

• "In order to establish the circumstances of causing damage to the vehicle, to establish damage vehicle and their reasons, technology, methods and cost of its refurbishment, an independent technical examination is carried out.
• An independent technical examination is carried out in accordance with the rules approved by the Bank of Russia ... "(Clause 1-2, Article 12.1 No. 40-FZ).

1. The Regulation of the Central Bank of the Russian Federation "On the Rules for Conducting an Independent technical expertise vehicle "dated 09.19.2014 No. 433-P (hereinafter No. 433-P)

✔ The difference between autoexamination and independent examination.

Insurance companies work with experts who minimize the cost of repairs, resulting in insurance payments do not cover restoration work. Therefore, it is very important to carefully choose an independent expert who will analyze the situation as honestly as possible.

If Insurance companies consider the cost of repairs in service station intermediaries (where it will be clearly underestimated) and determine the cost of parts to be replaced at a minimum price, then an independent examination:

• Makes a calculation based on the cost of branded parts.
• Determines the cost of repairs by comparing several workshops.
• If the vehicle is more than 5 years old, the depreciation amount is deducted (taking into account the maximum market value).
• The price of the vehicle is calculated in an undamaged condition.
• If the vehicle cannot be restored, the examination will calculate the undamaged parts. To do this, it is necessary that the wear of the vehicle does not exceed 60%, and the age is 15 years for foreign cars and 7 years for domestic cars.

✔ When expertise is applied.

Although an accident is the most common application for expertise, it is needed not only in the event of an accident. Expertise is applied in various situations related to transport:

• When an act of vandalism is committed - if someone has broken glass, scratched paint or caused other damage to a car, the examination will become the basis for filing a claim for payment for repairs if the intruders are caught.
• Technical inconsistency - if, during the operation of the vehicle, defects are revealed that the seller did not warn about.

At the same time, you can get an answer from an expert to such controversial questions as:

• The real amount of material damage.
• Availability hidden damage.
• Impact of an accident on the real value of the vehicle.
• Correctness of calculation of insurance payments.

✔ The essence, purpose and objectives of an independent examination.

The essence of an independent examination is an objective assessment of the damaged car and the calculation of the real cost of restoration work.

The purpose of this type of check is to protect the rights of the car owner.

Thus, an independent examination solves the problem of settlement controversial issues that arise between the participant in the accident and the insurance company.

Considering that compensation payments can only be obtained by an innocent participant in an accident, an appeal to an independent expert can also solve such a problem as analyzing the scene of the accident and weather conditions.

✔ Requirements for experts.

An expert is a highly qualified specialist with special knowledge in a particular field.

• "Requirements for expert technicians, including the requirements for their professional certification, the grounds for its cancellation, the procedure for conducting state register expert technicians are appointed by the authorized government Russian Federation federal body executive power ... "(Part 4 of Art. 12.1 No. 40-FZ).

Thus, an independent expert should be:

• Competent - able to resolve issues related to the required analysis.
• Experienced - to have a certain amount of relevant work experience, which determines the level of his qualifications.

○ Rules for the examination.

In accordance with No. 433-P, the following rules are established:

1. The role of the object of independent examination is assigned to:

• Vehicle or the remains of the victim's vehicle.
• Other vehicles involved in an accident.
• Other objects involved in an accident, the analysis of which is needed to identify the circumstances of damage to the vehicle.

1. The basis for the examination is:

• Car documents.
• Accident certificates sent to the insurance company.
• Existence of a valid expert agreement between the victim and the independent expert.

1. The examination is carried out by an expert technician.
2. If the injured party disagrees with the conclusions of the expert technician, a second analysis is carried out by another independent expert technician on the same grounds.
3. During the analysis, the expert has the right to request additional information regarding the facts of the accident from the victim, as well as to involve other experts in the procedure;
4. The expert's duties include:

• A warning about the impossibility of conducting an analysis if circumstances arise that impede the inspection.
• Ensure the safety of documentation.
• Do not disclose confidential information obtained during the analysis.

1. When appointing a repeated examination, its payment is made by the initiator. In this case, the expert technician must be notified of the initial analysis, and the victim must be notified of the place and time of the examination in writing;
2. The result of the examination is an expert opinion, which includes all information about the insured, the vehicle, damage, the need for restoration work and their amount.
3. Conclusions are drawn up in the form of answers to the questions posed.
4. Expert opinion signed by the expert technician who performed the inspection procedure. If this is an expert organization, the document is additionally approved by the head.

○ The rights of the victim during the examination

If you are involved in an accident through no fault of your own, it is worth knowing what rights you have and what you can achieve by resorting to an independent examination. It:

• Compensation of the difference if the insurer has paid an insufficient amount of insurance.
• Refund of funds spent on expert analysis.
• When using the services of a lawyer - reimbursement of costs.
• Additional compensation - due to penalties against the insurance company.

○ Cost of an independent examination.

If an independent examination is ordered by an insurance company, it pays for it. If the customer is the policyholder, he bears the costs himself. It should be borne in mind that he has the right to demand compensation for this amount from the insurance company.

The cost of an independent examination is not fixed. It depends on factors such as:

• The region in which the service is provided.
• Expert's qualifications and experience.
• The degree of damage to the vehicle.
• The scope of the tasks.

Also, the cost of the service is influenced by the country of the vehicle manufacturer, the most expensive is the examination of American cars.

○ Conducting an independent examination.

In accordance with No. 433-P, an examination is possible on the basis of a concluded agreement, where one of the parties is an expert company or an expert, and the other is an insurer or a victim.

Analysis services are paid by the customer.

✔ Agreement for an independent examination.

This agreement is concluded by general rules conclusion of an agreement on the basis of Art. 432 of the Civil Code of the Russian Federation.

• “The contract is considered concluded if the parties, in the form required in the appropriate cases, have reached an agreement on all the essential terms of the contract.
• Essential are the conditions on the subject of the contract, the conditions that are named in the law or other legal acts as essential or necessary for contracts of this type, as well as all those conditions regarding which, upon the application of one of the parties, an agreement must be reached ... "(p. 1 article 432 of the Civil Code of the Russian Federation).

To obtain peer review services, you must provide copies of:

• Vehicle registration certificate.
• Insurance policy.
• Customer passports.

It is also advisable to attach a package of documents that was sent to the insurance company:

• Accident notification.
• Administrative violation protocol.
• Auto inspection report by an expert from the insurance company.

Accidents happen on the roads every day. It would seem that the OSAGO agreement provides for a good payment. However, in reality, there is not enough money to pay for the repairs. Let's consider why an independent examination is needed after an accident on compulsory motor third party liability insurance, how it happens and how much should be paid.

What is an independent examination after an accident under OSAGO

After an insured event occurs, one of the parties (as a rule, the victim) is obliged to call the traffic police officers and fix the accident. After that, you should contact the office of the insurance organization, submit an application for the purpose of registering an insured event.

If, based on the results of the payment, the injured party is not satisfied with the amount of compensation, then you should seek help from an independent expert.

Independent examination (IE) is a procedure for assessing damage by independent experts who do not act in the interests of the insurance company or car owner. As a result of the examination, an official document is drawn up, which prescribes what damage is on the vehicle, and how much the repair work will cost.

When you need an independent expertise

It should be noted right away that not all drivers who have had an accident need an examination. Let us consider in more detail in which case motorists turn to an expert for help.

• Refusal to pay

If the insurance company refuses to pay compensation, then each victim can go to court. In addition to claims, you will need to provide an official document that will reflect the amount of damage. To receive of this document you must contact the office of an independent examination and provide the car for inspection.

• Understated amount

In practice, many insurance organizations underestimate the payment amount. In this case, the car enthusiast also needs to contact the office of an independent examination, then draw up a pre-trial claim and request an additional payment from the insurer. If the insurance company refuses, then you should go to court with full package documents.

• The culprit has no CTP

Unfortunately, often the guilty party does not have a valid OSAGO form, and he refuses to voluntarily compensate for the costs. In this case, you will need to go to court. You must have personal documents, a claim and an independent expert assessment certificate for OSAGO with you.

Conditions for the application of an independent examination

As for the goals and objectives of the independent examination, they are clearly spelled out in Article 12.1, at 40 Federal law dated April 25, 2002. Having studied it, it will become clear that the inspection of the vehicle is carried out solely for an objective assessment of the damage received as a result of the occurrence of an accident. As for the inspection, it should be done by a disinterested authorized person.

With regard to expertise, attention is paid to:

• the cost of the damaged parts;
• the presence of hidden damage and their cost;
• payment for repair work;
• average annual vehicle mileage;
• the price of suitable leftovers if the car cannot be restored.

Important! In practice, the final assessment is different, made by an expert in the direction of the insurer and in the one chosen at will. In the first case, specialists will deliberately reduce the amount of payment, since they often work in the interests of financial companies... In the second case, experts are on the side of the motorist and make an objective assessment.

Requirements for experts

As for experts, not everyone can get a license. In order to carry out an expertise on compulsory motor third party liability insurance, the following requirements must be met:

• knowledge of general techniques, requirements and legislation;
• passing the permanent certification of the IAC of the Ministry of Transport of the Russian Federation;
• knowledge of the rules for conducting an inspection, fixing a car;
• correct preparation of the necessary reporting;
• the presence of specialized higher education;
• availability of additional higher education;
• mandatory inclusion in the state register.

It turns out that if you decide to work as an expert, then one specialized education will not be enough. You still have to undergo certification, during which you will show and prove your professional qualities.

Important! It should be noted that following the results of the assessment, all information is entered on the portal of the state register. Experienced experts recommend checking the details of the master before submitting the car for inspection. If at the time of verification the master's license is absent or suspended, in judicial procedure the results of the assessment may be invalidated.

What laws govern

It is important to note that these organizations are obliged to work in accordance with the requirements that are adopted at the legislative level. Currently, there are 4 basic laws in force on the territory of the Russian Federation:

Sample contract and features

It should be noted right away that before you provide a car and pay for the services of an expert, draw up a contract. To draw up a document, you must submit:

• customer's passport, while this does not have to be the owner;
• documents for a car: PTS or STS.

Additionally, you can present an act provided by the insurance company.

Features of conducting an independent examination in case of an accident under the CTP policy:

• the customer must be present during the inspection and, if necessary, ask all the questions of interest;
• based on the results of the check, an official conclusion is issued, certified by a signature and a seal;
• the date and place of inspection must be fixed in the contract.

How is an independent examination carried out step by step

The procedure for assessing compulsory motor third party liability insurance after an accident is simple and includes several main stages.

Rules for conducting an independent examination of a car after an accident:

1. Choosing a company. When making a choice, you should pay attention to the availability of a license and cost. Timing also plays an important role. In practice, companies make an assessment from 3 to 7 days, because in addition to visual damage, there may be hidden ones.
2. Visit to an expert and provide required documents... At this stage, an agreement is concluded and consulting on all issues.
3. Provision of a car for the purpose of inspection. It is important to consider that you need to provide a clean car.
4. Cost calculation. This is the most important part of an independent examination of a car, as a result of which an act is drawn up. The document records the damage and the cost of repair work.
5. Determination of the degree of wear. As in the case of a forensic examination for compulsory motor third party liability insurance, after the inspection, the percentage of wear and tear of the vehicle and its parts is determined. This requirement is enshrined at the legislative level.
6. Calculation of TCB. Next, the authorized employee determines the amount of loss of commodity value.
7. If the machine cannot be restored, then the percentage of suitable residues is additionally calculated.
8. Based on the results of the check, the car is handed over to the owner with the documents. In addition to the car, the owner receives acts and a contract, which indicates the results of an independent examination of the car after the accident.

Important! Based on the results of the check, a report is drawn up, as on hard copy and in in electronic format... As for the second, within the framework of the law, it must be stored for at least 3 years, and provided at the first request to the customer or the traffic police or the court.

Where to order NE

As for the choice of an appraiser, then to this issue it is worth contacting extremely responsibly. Do not rush and contact the first person you come across.

Where to order NE:

• by phone;
• on the site.

If necessary, you can ask a question to a consultant on our portal, and he will promptly prompt you where you can get an assessment in your region.

The approximate cost of NE after an accident under OSAGO

Before contacting an expert, all motorists specify the cost of services. It's no secret that in different companies they may vary slightly. Also, the cost is influenced by:

• region of the event;
• the nature of the damage;
• Availability additional services(on-site visit).

Approximate prices for services:

• Moscow from 3,000 to 15,000 rubles;
• Moscow region from 2,500 to 12,000 rubles;
• St. Petersburg from 2,500 to 13,000 rubles;
• Leningrad region from 2,000 to 6,000 rubles;
• Perm from 1,500 to 5,000 rubles;
• Kazan from 1,000 to 5,500 rubles;
• Omsk from 1,000 to 5,000 rubles;
• Saratov from 1,500 to 6,000 rubles;
• Krasnodar from 2,000 to 8,000 rubles;
• Volgograd from 1,500 to 7,000 rubles.

It turns out that each region has its own price policy, which is often determined individually for each client.

Summing up, we can say that not all drivers who are in an emergency need to make a professional assessment. The help of an expert will be required for those who have received a refusal or less. Only if you have an official document can you go to court in order to defend the rights of a motorist.

• how the company was chosen;
• how much had to be paid;
• how long the entire verification procedure took;
• were you satisfied with the results of the inspection;
• whether it was possible to collect funds and repair the car.

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In addition, we offer all drivers the assistance of an experienced expert who provides answers to any questions in real time. Also, through us, you can order an independent expertise on compulsory motor third party liability insurance in case of an accident. Just fill out the online consultant form in the corner of the screen.

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