What is needed to receive compensation payments for CTP in Rosgosstrakh? Reviews about "rosgosstrakh"

Rosgosstrakh is one of the five largest insurance companies in Russia. It was formed in 1992, and if you count the history from Soviet times, then it began in 1921. To date, there are almost 80 branches and over 3000 offices and divisions. The company specializes in citizens, property and liability.

Rosgosstrakh consists of a leading open joint stock company and includes several other companies with a narrow specialization, such as IC "RGS Life", "RGS-Medicine", PF "RGS".

In this article, we will consider how payments are made by Rosgosstrakh. Do policyholders have any problems with this, and if so, what are they, with what they are connected and how to solve them.

Auto insurance

Many Russians trust this type of insurance to Rosgosstrakh. In order to take out insurance for OSAGO, a citizen will need a passport, registration vehicle, a driver's license and a document confirming the passage of a technical inspection.

In any of the company's offices, as well as on the website, you can either issue or renew an insurance policy, which is issued for three, six or twelve months. The most popular, of course, are insurance policies for 1 year.

The document may apply to all persons who will drive a car, or be limited to specific people allowed to drive this vehicle. From of this paragraph not only the amount of the policy depends, but also the payments of Rosgosstrakh, if any are required.

The cost of insurance may depend on the following factors:

• vehicle categories;
• his motor;
• the driver's experience and his age;
• place of residence and registration;
• Traffic accidents in which the car owner has recently been involved.

Depending on specific individuals and their vehicles, there are objective reasons that affect the cost.

Rosgosstrakh payments in 2016

Data at the beginning of 2016, published, showed a disappointing result for this large company... It turned out that payments by Rosgosstrakh for compulsory motor third party liability insurance amounted to 8.5 billion rubles, while there were less fees: only 7.7 billion rubles. It should be noted that the minus indicator happened for the first time in the last 13 years.

After the tariffs for compulsory motor third party liability insurance increased at the end of last year, the premiums were more than payments by almost two billion rubles. But at the beginning of 2016, the market share fell sharply by almost ten percent.

Rosgosstrakh itself insurance payments does not comment. However, the company is confident that such an indicator does not at all indicate that the organization can leave certain regions. Payments turned out to be higher than premiums due to the fact that they were calculated according to tariffs that were formed last year. At the same time, at the beginning of 2016, Rosgosstrakh already announced that OSAGO was no longer of interest to the company. And at the end of March, the firm even suspended electronic sales of insurance. According to X-ray structural analysis, as many as two-thirds electronic policies belong to Rosgosstrakh. Losses have become somewhat smaller, but still continue to grow. In addition to this company, other insurers are sounding the alarm. Many, however, also associate the crisis with the actions of car lawyers.

Losses of the company - profits of auto lawyers

Some insurance companies are sure that it is the excesses of auto lawyers that lead to a crisis brewing in the system. Therefore, they even plan to submit for consideration draft laws with amendments so that the tariffs for all insurers are sufficient for their normal functioning.

But, if insurance companies are concerned about their profits, ordinary car owners expect that they will receive such compensation in case of an accident, which will cover all the costs of repairing the vehicle.

Having studied the thematic forums, it turns out that, according to many car owners, Rosgosstrakh's payments in case of an accident underestimate. It is for this reason that they are forced to turn to the help of professionals - lawyers in order to "knock out" the amount necessary for repairs from the insurance company. As you can see, many of them are successful in court. As a result, insurers suffer losses and, in turn, understate payments. It turns out a vicious circle. But back to insurance.

Voluntary insurance

In addition to OSAGO, there is also CASCO. It differs from OSAGO in that Rosgosstrakh makes payments in case of an accident on it in the event of damage to the car during an attack, an accident, theft and other situations. For experienced drivers, there is a separate type of policy called "Anti-Crisis CASCO". Its cost, in comparison with the usual one, is two times less.

As a supplement to OSAGO, you can purchase DSAGO or DGO, in which damage is compensated if it is caused by the fault of the car owner.

OSAGO: insurance payment

The insurance company pays money when insured event, if:

• the car of the participant of the accident, who is innocent of the incident, was injured;
• traffic lights or DD signs are damaged;
• the driver or passengers are injured.

Compensation for damage to life and health can be up to five hundred rubles, and property - up to four hundred. Payment can be made both in cash and by means of repair work. In the latter case, if the damage to the vehicle is greater than the company can pay, the missing amount must be reimbursed by the person responsible for the accident.

The insurance company, no later than 15 days after the incident, must provide a passport, certificate, vehicle registration certificate, a certificate and a copy of the protocol.

What to do if the payout amount is understated

So, the documents have been submitted, and you are expecting to receive payment for the repair work. But suddenly it turns out that the amount credited to the account is clearly underestimated and will not cover all the costs when bringing the vehicle back to normal. What can be your actions?

Someone will take what they offer and stop there. Others will seek a fair payment. If you have chosen the second way for yourself, then you will have to order independent expertise, so that in the future it would be possible to prove the underestimated amount by suing the Rosgosstrakh company. The amount of the payment is disputed by the following preliminary actions:

• filing an application at the office where the policy was issued;
• call to the hotline;
• referring to the manual.

It happens that such actions are enough to revise the payment. However, if the company still refuses to increase the amount, you can file a complaint with the PCA, then contact legal advice and after carrying out the recommended actions there, file a statement of claim.

Independent expertise

At almost all consultations you will be told that it is necessary to order an independent examination. This service is popular with car owners. After all, the appraisers of insurers, as a rule, are not so independent. For example, they may not notice hidden defects that will only be revealed during repairs. And then this breakdown will have to be paid from the pocket of the injured party.

An independent examination ordered by yourself must be paid for. But, if the results of the examination do not coincide with the one carried out by the insurers, and you will challenge it in court, in statement of claim it is necessary to indicate that the costs of an independent examination by the insurer are reimbursed.

Moreover, if the amount of payments under CASCO is disputed, experienced auto lawyers include in it a claim for compensation for moral damage, which in the case voluntary insurance the court is often satisfied, and insurance companies do not object.

Independent examination

So, an independent examination is carried out as follows. An accident participant orders the service and pays for it, receiving payment document(on the basis of which the court will recover the costs). It is advisable to describe the nuances that seem controversial to him in the assessment of the insurance company. For example, no hidden defects were found.

If necessary, the evaluators of the independent examination agree on the place and time of the inspection with third parties. During the inspection, all damage to the vehicle received during an accident are carefully recorded by photographing and detailed description... Further, accurate calculations of the necessary spare parts and restoration work are carried out. The current amounts from official dealers are taken into account if the car is serviced by him, or the average market. The wear factor is also important. Information on prices is taken from large Internet portals or shops in the region where the accident occurred. Prepared Often, such organizations offer further legal support, that is, the conduct of the case in court.

Compensation payments

Rosgosstrakh does not make payments for the compensation plan. This is done by PCA. The following grounds are required for compensation:

• bankruptcy of the UK;
• expiration of its license;
• the culprit in causing damage to the victim has not been identified;
• the culprit does not have an insurance policy of any insurance company, including Rosgosstrakh.

The payment of compensation applies to insurance under OSAGO. They depend on the salary and other income of the injured person, as well as on the costs of treating the injuries sustained in the accident. Compensation payments related to the life and health of insured persons range from 24 to 60,000 rubles.

Amount of payments

After the application for payment has been submitted to Rosgosstrakh, along with other documents, it remains to wait for the decision of the insurance company. Of course, many people want to quickly find out the amount that will be named. But, having entered the company's website, you will not find out anything except the status of the case and the number of your payment order.

On the email and a message is sent to the phone about the decision that was made. You will be informed about the status if you call contact phone the company "Rosgosstrakh". To find out the payment in cash, none of these methods will work.

How to find out the amount of the payment, and in what time frame will the money be credited to the account?

Are there any ways to find out this information by the case number? No. The amount will become known only when the case is considered and the money is transferred to the bank. The transfer after the decision is made is made within three working days. However, the timing of payments by Rosgosstrakh does not apply to this. The case, according to the regulations, is considered for 30 days. In addition, the timing can be individual in nature.

At this time, you can calculate the approximate amount of the payment yourself. The official website of the company has an online calculator with which you can also target a specific size. But in it, rather, you can find out about the amount in the event of an accident. But for OSAGO and CASCO you will have to wait for what Rosgosstrakh will decide to make payments.

Testimonials: agree with the decision or sue

Many have learned from their sad experience that in most cases they underestimate. Sometimes the underpayment can be as high as 80%. What to do in such cases for car owners, it is up to them to decide.

Some want to quickly sort things out and take the amount that they are given. Others seek legal advice and sue the company.

As practice shows, even the IC leadership confirms this, auto lawyers "rob" insurers if they get down to business. And this means that if the participant in the accident decides to sue, then there is a good chance of achieving a positive result.

Judging by the reviews that drivers who have already passed these tests leave, more and more people are deciding not to agree with the underpayment, but to fight for such an amount that will fully reimburse renovation work by car. However, even if Rosgosstrakh should not objectively increase the amount of the payment, it can be demanded from the person responsible for the accident.

Conclusion

This is how things stand today for Rosgosstrakh, such are its payments to policyholders. Of course, any company faces dissatisfied customers. And if initially there is a very nervous and unpleasant reason, then positive emotions are not always born.

But, on the other hand, by paying for the insurance regularly, the car owner has the right to count on the payment promised by law. Therefore, if an accident has occurred, it is worth seeking a fair decision in your case. After all, the payment for insurance "Rosgosstrakh" should cover the repair of a car that got into an accident through no fault of the owner.

The insurance situation under OSAGO occurs in case of any accident in which the driver is found guilty. As a result of a road accident, damage is caused to vehicles and other people's property, and often harm to health and a threat to life.

In such situations, the responsibility lies entirely with the culprit of the accident, and compensation for the damage caused is paid by his insurance company.

OSAGO (compulsory motor third party liability insurance) is interested in protecting the injured party. Therefore, the perpetrator of the accident is obliged to fully compensate for the damage, due to which, in fact, the repair and restoration work of the damaged car will be carried out.

The civil insurer, before assigning the amount of compensation, conducts a thorough examination of the reasons and factors of the precedent. A careful study of all documentation provided by both parties will allow the insurance company to avoid the tricks of fraudsters and premeditated actions.

Conditions under which payments are made

Before you find out the amount of the insurance payment for OSAGO, you need to understand the conditions under which the injured party can expect to receive compensation:

1. Only cars were damaged, while people remained safe and sound (or at least have no claims).
2. Only 2 vehicles were involved in the accident.
3. Each of the parties has a valid OSAGO insurance policy.

If at least one of the conditions described above is not met, then participants need to contact their insurer. For a visit to the company, you must prepare a document that contains your data, policy numbers, describes the degree of damage and draws a diagram of a precedent on the roadway.

Relying on the current legislation, the owner of the injured car can claim insurance compensation under the policy, and additional compensation from the party guilty of the accident.

Drivers can use the Europrotocol and not resort to the assistance of the traffic police in such cases:

• only vehicles were injured in an accident;
• both participants have with them valid insurance OSAGO;
• both car owners, whose cars became participants in the accident, are not against such a development of the event;
• damage caused as a result of the accident does not exceed 25 thousand rubles.

List of documents required for compensation for damage

You can count on the payment of compensation if you have following documents:

• a statement in which claims are made regarding insurance compensation;
• a certificate confirming the fact of a road traffic accident (issued by the traffic police);
• accident notification;
• copy of the protocol on administrative offense participants;
• a resolution on this office work or a document that confirms the refusal to initiate a case on the specified offense;
• vehicle registration certificate;
• opinion of independent experts;
• in the case when, instead of the car owner, insurance will be paid to someone else, then you need to provide a notarized power of attorney;
• checks confirming the fact of payment for the services of an independent expert;
• certificates that confirm the fact of evacuation of vehicles from the accident scene;
• some insurers sometimes require a receipt for the use of a paid parking lot;
• bank details, where the account to which Insurance Company will pay compensation;
• eyewitness testimony from the scene of the accident (it is good if there are also contact details of the accident witnesses).

Compliance with the deadlines during the filing of documents is one of the main conditions for obtaining compensation. But more on that later.

Types of insurance payments

In most cases, car owners are assigned monetary compensation according to the calculation of the insurance company. The final figure is formed on the basis of the date of signing the Europrotocol.

The insurer can provide three options and the amount of insurance compensation payment:

1. The maximum amount of insurance payment does not exceed 400 thousand rubles.
2. At the conclusion of the Europrotocol, the amount of compensation reaches 50,000 rubles.
3. In the case when the moment of the onset of an accident was recorded by means of external surveillance, residents of Moscow and the Moscow region can receive 400 thousand rubles if the participants in the accident drew up a Europrotocol on the spot.

What factors affect the amount of compensation?

In each insured event, the insurer determines the amount of compensation payment and the procedure for compensation for damage individually. But sometimes companies completely refuse to pay the injured party any type of insurance compensation.

Fundamental for this are:

• the degree of harm caused to the health of people who suffered as a result of a road accident;
• damage caused to two cars.

The amount of compensation payments for compulsory motor third party liability insurance may increase if people are injured as a result of the accident. The size increases in direct proportion to the amount of damage caused to each participant in the accident. But at the same time, compensation cannot exceed the maximum allowable size insurance rate.

However, in order to receive insurance in full, the injured party must follow a certain algorithm of actions. Otherwise insurance agents may well legal grounds refuse to pay damages.

Maximum insurance

In the event that vehicle has received significant damage, most car owners will be very disappointed.

After all, the compensation does not exceed the monetary limits, which are unlikely to be enough to pay for the entire volume of restoration work:

• the maximum that an insurance company can pay is 400 thousand rubles;
• when people (passengers or the driver of a car) were injured because of the accident, then according to the policy you can get 160 thousand rubles.

Program - minimum

According to current data, Rosgosstrakh has set the vehicle wear limit at 50%. Now each car owner can receive a minimum compensation of 50% of the resulting damage Accident damage.

Is it possible to find out the size of the CMTPL payment in Rosgosstrakh?

How to find out the amount of payment for OSAGO? Surely many car owners are interested in this issue. It turns out that the amount of compensation payment that is due in the event of an insured event is not so difficult to calculate.

To do this, the car owner needs to know the real estate prices that are set in the region, and some data:

• the country in which the machine was manufactured;
• the region in which the vehicle is officially registered and insured;
• the degree of deterioration of the vehicle;
• in what conditions and for how long the machine has been in operation.

Based on these data, there is a special table where the coefficients and interest rates for the calculation of insurance in a particular city, region of our state.

For example, as of today, the Rosgosstrakh company has determined the following percentages of vehicle wear based on the year of its production:

• 1st year of operation - 20%;
• starting from the 2nd year of operation - 12%.

Terms of payment of compensation

Until recently, the period for compensation for damage after an accident was 30 days, which does not include weekends or holidays... However, according to article 12, clause 21 of the Federal Law "on OSAGO", the insurance company is obliged to transfer Money to his client for damage caused to health or property as a result of a traffic accident within 20 working days from the date of occurrence of the insured event.

Therefore, it is extremely important to comply with the deadlines for submitting documents. Auto lawyers strongly recommend contacting insurers with all the necessary documents within three days after the accident.

The procedure for obtaining compensation in Rosgosstrakh

In the event of an insured event, in order to receive compensation, the car owner must strictly follow the algorithm of actions proposed below:

1. First of all, it is necessary to inform the company about the occurrence of an insured event and call an inspector.
2. It is highly undesirable to leave the accident site before the arrival of the inspectors. Also, you cannot move the car and touch any details that may affect the identification of the party guilty of the accident.
3. When traffic police officers draw up a diagram and fill out a protocol, it is extremely important to control all records. If there are controversial points, then defend your point of view. If necessary, the car owner can resort to the help of an independent expert.
4. An employee of the State Traffic Inspectorate can issue a certificate of an accident at the scene of the accident. Sometimes the car owner has to follow her to the department himself. In this case, be sure to check the date in the certificate, it must match the number of the accident.
5. In addition to the certificate, law enforcement officers must draw up a resolution that indicates administrative offenses or the fact of their absence.
6. After the affected side has all the Required documents, the car owner must draw up an application and apply with it to the insurance company for a compensation payment.

We hope these tips will help you to contact the insurer in time for payment of compensation and timely receive the full amount for the restoration of the car after an accident. Good luck!

In road traffic accidents there is always an injured party, and so she has the right to receive compensation on the basis of insurance policy OSAGO. This type of insurance is related to the civil liability of car owners. The amount of payments for OSAGO Rosgosstrakh conducts taking into account its maximum value, it is spelled out in the Law "On OSAGO".

Interesting! According to article 12 of the insurance bill, victims of an accident are entitled to receive monetary compensation at the expense of the funds specified in a pre-drawn up contract between the insurance company and the owner of the vehicle. Anything more than the established limit is paid from the personal funds of the road accident participant.

Basic information about the amount and timing of payments

Those who are interested in the topic of payments by Rosgosstrakh in case of an accident should know that not in all situations the provision of financial assistance is possible. Typical are:

• exceeding the maximum amount of compensation, which is 160 thousand rubles;
• the maximum amount of payments amounted to more than 400 thousand rubles.

According to the law, if the victim died, then the monetary compensation cannot exceed 135 thousand and 25 thousand rubles to cover the costs of the burial.

How is the amount of payments calculated in case of damage to property?

1. In the event of its complete destruction, the real value is taken into account at the time of the occurrence of the insured event.
2. If we are talking about damage, then the calculation takes into account the costs that must be incurred in order to restore the car, namely, bringing it to a pre-accident condition.
3. All other damage is assessed at cost equivalent.

Attention! Previously, a person faced with an emergency, considered an insured event, had to immediately contact the insurance company serving the perpetrator of the accident. Things are different now. If the damage caused is estimated at no more than 50 thousand rubles, Rosgosstrakh can file a claim for damages in case of an accident under OSAGO directly to your insurer.

Compensation does not always have monetary form, sometimes the company is just repairing the damaged vehicle. The basis for calculating the final amount of compensation is the results of an independent examination. In the calculation process, all costs and losses are added, while the degree of wear of parts is taken into account.

The behavior of the person involved in a traffic accident

To receive payments from Rosgosstrakh, the terms for OSAGO must be taken into account. The first step is to notify government bodies about the accident that happened. An examination is assigned, which makes it possible to obtain the exact information necessary to calculate the possibilities for receiving compensation. If the result exceeds 120 thousand rubles, then for payments according to the policy compulsory insurance civil liability is not worth counting on. If the insurer does not agree with the amount of compensation, it is required to take care of the conclusion of an independent expert.

When the insurance company receives a signal about the occurrence of an insured event, it sends an employee to the scene of the accident as soon as possible, authorized to give an objective assessment of the incident. As a result, he determines whether the damage caused is eligible for compensation under the policy or not. All the necessary information is set out in a special act.

The package of documents to be collected

If an insured event occurs in an accident under OSAGO, Rosgosstrakh will pay them, but before contacting the company, you need to collect a number of documents:

• identifying the victim;
• indicating that the citizen has the right to receive payments. It can be a policy, contract, certificate or power of attorney;
• confirming the right to own the damaged property in a collision;
• identification code.

If the insured person died, then there must be a death certificate, documents that reflect the costs of the funeral. It is obligatory to provide bank details by which payments will be made, as well as information confirming the loss of the breadwinner.

How to get insurance after an accident in Rosgosstrakh, now it is known that when contacting an insurance company you need to have the originals of the policy, certificates from law enforcement agencies about the road traffic accident, driver's license, certificate of registration of a land vehicle.

Attention! The package of documents must be collected in full. It is provided to the insurer no later than three working days from the date of the accident.

Compensation payments are not made if ...

1. The insurance company was declared bankrupt.
2. The license to carry out insurance activities was revoked by the higher authorities.
3. The culprit turned out to be not conscientious and fled from the scene of the accident, which does not allow him to be identified.
4. There is no contract concluded with the company on civil liability insurance.

In all the situations described above, compensation is carried out by the Union of Auto Insurers, but this is very rare.
A refusal to pay out OSAGO from Rosgosstrakh can be obtained if the provocation of a traffic accident was deliberate or the driver of the car was drunk, did not have a license. The same applies to situations where damage to human health or environment was caused by an uninsured and dangerous cargo, the damage is the result of educational, experimental and other activities. If Rosgosstrakh refused to pay for OSAGO, which may happen due to the need to compensate for moral damage or exceed the established limit, it makes sense to seek help from a lawyer.
In order not to face a refusal due to exceeding the payment limit, you can conclude a DSAGO agreement. Its cost is insignificant, but the coverage area is much larger. The law on compulsory motor third party liability insurance is interpreted by the judge at his discretion.

One of the most serious and strong participants insurance market Rosgosstrakh was and remains. The insurance services market has formed and has come to a relative calm in Russia not so long ago, and its largest participants are well-known. Before contacting the insurance company, the owners try to find out as much as possible about the insured. And the question of purchasing insurance and receiving payments is very relevant for most car owners. Rosgosstrakh's multimillion-dollar insurance payments are a reliable indicator of its stability and financial stability.

Compensation in the event of a road traffic accident

When you come to Rosgosstrakh to purchase an insurance policy, you need to remember that payments are made if all the necessary conditions are clearly met:

• another owner's car was damaged as a result of an accident;
• property (for example, luggage) of another driver has been damaged;
• damaged elements of the road surface, caused other damage to signs, communications, etc .;
• persons in the car were injured.

The timing of payments by Rosgosstrakh will be discussed below.

All cases from this list are defined by the current law as insurance and, accordingly, insurance payments are due for them. Registration and further receipt financial resources under the OSAGO policy is possible only due to the occurrence of one or more of the above cases.

Types of payments

Insurance payments made in the event of road accidents are of two types: direct and indirect. This division is determined Russian legislation... If payments to the injured person are made by the insurance company in which he purchased the OSAGO policy, then these are direct payments. In this case, it is necessary that no more than two drivers are involved in the traffic accident and, accordingly, they must have valid policies. In the event that the participants are injured, as well as if more than 2 cars are damaged, these will be indirect payments. The amount of payments in this case, as well as the determination of the parties paying compensation, is set individually.

Also, for insurance issued in Rosgosstrakh before 1992, payments are made specific categories citizens on behalf of the Government of Russia.

The amount of insurance payments in Rosgosstrakh

An independent calculation of the amount of compensation payments by Rosgosstrakh does not seem too difficult and, with due attention, is quite possible. The law defines and is available to the general public on the criteria and conditions for the implementation of insurance payments. To calculate their value, property prices established in the region where the insurance policy was concluded should be used. The calculation of the amount of payments is based on the following criteria: country - car manufacturer; the region where the car was registered and insured; wear rate; term of use. The basis for calculating the amount of insurance payments is, according to the policy, average level market prices... That is why the amount of payments for OSAGO in Rosgosstrakh for Kostroma and Magadan will differ significantly.

If you don't have enough funds?

It so happens that the funds paid by the insurer after the accident are not enough to bring the repair to the end. This is not always a deception or violation of the law, despite all the violent protests of car owners. As a rule, the company's employees calculate insurance payments based on the prices of parts that require repair or complete replacement, and the depreciation of the machine is also taken into account. It is common practice for insurers to determine the degree of wear and tear on a vehicle based on the year it was produced. In this regard, Rosgosstrakh is no exception: in the first year of use - it is 20%, in the second - 12%, then - 12%. It is according to this algorithm that you need to independently calculate the amount of payments if an insured event occurs.

Payment terms

Federal legal acts clearly define the time frame in which payments by Rosgosstrakh under OSAGO are made. Not so long ago, on the territory of the Russian Federation, he operated the federal law No. 40 of 25.04.02. According to this document, a period of up to 30 calendar days was established for the insurer to make all payments. The deadline was set excluding weekends and holidays. Having made simple calculations, we can come to the conclusion that the payment period could drag on for more than a month. Today the situation has changed, the legislator spares the nerves of car owners and deadline, in which the CMTPL payment must be made in Rosgosstrakh, after it is no more than twenty calendar days. That is, weekends and holidays are excluded.

Compliance with deadlines by the client

In addition, it is important when you yourself, after the occurrence of the insured event, transferred all required documents the insurer. This must be done no later than three days from the moment the insured event occurred. Upon receipt of the necessary documentation, the countdown begins (those same 20 days), which is allotted to the insurer to transfer the entire required amount to the client's account. The company may refuse due to the occurrence of conflict situations if they have not received proper resolution. An alternative method of insurance payments to the client is to carry out repairs, which are paid by the insurance company, although in this case you can use the services of only accredited stations Maintenance... There is a legally defined period for which a company must issue a referral for vehicle repairs.

Insurance indemnity to the maximum

According to the rules in force in 2017, the maximum possible amount of payments reaches 400,000 rubles, in some cases the amount of compensation payments can be increased to 500,000 rubles. In the event that even the maximum amount of payments does not cover the damage caused to the vehicle, the responsibility to pay extra for the repair rests with the perpetrator of the accident. If such circumstances arise, you should try to resolve all issues without involving judiciary, as practice shows that making a decision in favor of the victim is rare. Moreover, on maximum payout the perpetrators of the insured event and the persons who insured the car in violation of the insurance terms cannot directly count.

Procedure for making insurance payments

The sequence of actions in the event of an accident in order to receive payments is as follows: the insured must collect the necessary documents and transfer them to the insurance company. Draw up an application for payment to Rosgosstrakh. After that, within 20 calendar days, the amount of compensation is credited to the account of the policyholder. This period is valid only if the accident is recognized as an insured event. However, there is one small caveat in the law. If any a difficult situation(difficult in the opinion of the insurer), then the company may decide to extend the term for transferring compensation until controversial issue will not be allowed. And how are compensation payments from Rosgosstrakh going?

Unreasonable delay of deadlines

But, in general, insurance companies are trying not to abuse this clause, since unreasonable delay in payment terms leads to substantial sanctions. It should also be remembered that payments should not be counted on if certain violations have been registered. First of all, this applies to those who are not included in the CMTPL policy, insurance compensation in this case it won't. The same is true for the drunk driver, if alcohol or drug intoxication is proven. With a very large amount of damage maximum amount payments may not cover the damage, in which case we are talking about partial compensation. When transporting dangerous or prohibited goods, the insurance company may also refuse to compensate for damage. If you think the decision of the insurance company is unreasonable and you have evidence, you have the right to go to court. Does Rosgosstrakh always make insurance payments?

Common reasons for refusal in "Rosgosstrakh"

Considering the reasons for refusals, one can find that they are divided into two groups: legitimate refusals due to identified violations and illegal ones, that is, those that occurred as a result of mistakes or negligence of employees of the insurance company. We talked about legitimate refusals above, so we will not repeat ourselves, we will only add that sometimes the insurer is forced to refuse due to non-provision or incomplete provision of a package of documents. Or it is possible that the documents were submitted after the expiration normative term(2 years from the date of the insured event). If you have an expired policy, you should also not count on the loyalty of the insurer, as in the case if the accident was committed specifically to receive payments. Well, and a very sad case when an insurance company was declared bankrupt. But we will consider refusals for other reasons in more detail.

Firstly, if the driver fled the scene, but his guilt is established and recorded by the traffic police inspector, then the refusal is not justified. It is also often controversial situation when the culprit is not included in the insurance, but the company is obliged to pay compensation. But later he can receive a refund of this amount from the direct culprit through the court. The same procedure will apply if the guilty driver was drunk. When the culprit of an accident does not agree with the conclusion of the inspector and claims that he is innocent. In this situation, he has the right to go to court, but insurance payments to the insured must be received in any case. Why else can Rosgosstrakh refuse to pay for an accident?

In a situation where the culprit is hiding from the scene of the accident, the insurer does not accept documents from the policyholder until the other party is identified. But from the moment the culprit is identified, even in his absence, the company must implement due payments... If the company refuses on the grounds that the certificate does not indicate who is to blame, then this is not a valid reason for the refusal, since this information is indicated in the protocol. Often they refuse to accept documents from a person who is not the owner of the car, but there are no indications in this regard in the law. Anyone can apply. If out of stock diagnostic card, this also cannot be a reason for refusing payments. Sometimes the person guilty of an accident does not agree to provide his car for examination, this can in no way affect the payment of insurance. Such a refusal is also illegal. If the insurer is deprived of a license, in this case, compensation for losses occurs at the expense of the funds of the Russian Union of Auto Insurers.

Procedure in the event of unlawful refusal

So, Rosgosstrakh refused to pay. What to do next?

You must go to court with a claim for damages. Be prepared for the fact that the trial will require an independent examination. In the statement of claim, it is necessary to describe the situation in as much detail as possible. You can go to court not only for an unlawful refusal, but also if the amount of payments is clearly underestimated.

To receive compensation payments from Rosgosstrakh, you need to collect documents.

List of documents

The list of documents that need to be provided to insurers is as follows: passport, driver's license, account details of the insured, certificate of accident (original received from the traffic police), administrative offense protocol (copy), vehicle registration certificate, technical passport, OSAGO policy, as well as a document , confirming the ownership of the car. In addition to the documents that are in this list, employees of the insurance company cannot request any other papers. In the event that the policyholder has conducted an independent examination, he must provide the insurance company with the originals of payment documents. In all other cases, the examination is invalidated and its results are canceled.

The issuance of an OSAGO policy is strictly obligatory today. Today, the use of such a document is strictly required.

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Maximum payout for such insurance product at the same time depends on a number of very different factors - all of them are best dealt with in advance.

Today, the process of issuing an OSAGO policy is strictly obligatory for all citizens of the Russian Federation, without exception, using a vehicle.

Since 2003, registration has been carried out necessarily within the framework of a special legislative document.

Moreover, the driver, when stopping the car by the traffic police inspector, must necessarily provide an OSAGO policy. Otherwise, a fine of 800 rubles is imposed.

General points

It is worthwhile to issue an OSAGO policy in advance. Otherwise, there may be a large number of various difficult and even embarrassing moments.

First of all, this concerns, of course, the registration process. Since the main purpose of the OSAGO policy is just civil liability insurance.

You will need to familiarize yourself with all the subtleties of the registration process in advance. Certain limits have been set within which compensation is performed.

Periodically, such limits are increased. But it is important to note that for a specific policy there will be a limit that was relevant at the time of registration of the policy itself.

It is best to work out this issue in advance, in advance. As well as the process of applying for a refund under the policy. There are a large number of subtleties, features - you will need to familiarize yourself with all of them.

What it is

The OSAGO policy itself presents a special form established form. Insurance program this type simultaneously performs a number of different functions.

The main ones include the following:

• simplifying the receipt of payment for the damage caused;
• reducing the burden on the judiciary.

It is only important to note that policy forms are often forged. That is why you need to familiarize yourself with all the subtleties and features in advance.

This will avoid many difficulties and problematic points. It is quite simple to check the authenticity of the policy - you just need to enter the series and number of the policy in a special database.

The policy itself includes the following main points:

• the name of the document itself;
• series and number of the policy;
• validity period - and not only the date of data entry is indicated, but also the exact time;
• the full name of the policyholder is indicated - surname, name and patronymic;
• the owner of the vehicle is indicated;
• if the vehicle is used with a trailer, then it will be necessary to indicate this moment without fail;
• a list of persons in respect of whom the contract has been concluded;
• the amount of the insured amount, insurance premium is indicated;
• the date of issue of the policy is indicated.

An important point is precisely the question of the amount of monetary compensation. A certain limit of deductions is established - within which payments must be made.

This question is best worked out in advance. The amount of the payment depends primarily on the nature of the damage caused.

There are quite a few different subtleties, features - directly related to the design of OSAGO.

Insurance benefits

It is worth noting that OSAGO insurance today is a strictly mandatory process for all vehicle owners without exception.

Despite the obligatory nature of such a procedure, it is worth noting that OSAGO has a large number of advantages in itself.

These include primarily:

The registration process itself is as simple as possible; as a rule, there are no difficulties. In addition, since recently, the insurance process can be carried out entirely via the Internet.

This greatly simplifies the procedure. It is worth noting that the algorithm for issuing OSAGO is also regulated by law - as well as receiving compensation payments in the event of an insured event.

It is worth noting that the presence allows you to solve many problems, difficulties even before they arise.

First of all, it is an opportunity to avoid litigation if you have an OSAGO policy. With its help, you can solve all problems regarding monetary compensation in the pre-trial order.

Legal regulation

Accrual payments for accidents are calculated under a special agreement. As well as a specialized legislative document.

The main one is just. If possible, you will need to familiarize yourself with all the information presented in such.

This will allow avoiding many difficulties and problematic points. And also to prevent a number of difficult situations.

Today, payments for compulsory motor third party liability insurance allow you to compensate for damage. But it is worth noting that the process of calculating such compensation can be carried out different ways... You will need to familiarize yourself with all of them in advance.

Insurance payments after an accident OSAGO in Rosgosstrakh

Making an insurance claim with Rosgosstrakh in the event of an accident or other insured event is a completely standard process.

It includes a fairly wide list of items, but in general, there are usually no difficulties.

The procedure for making a payment is necessarily regulated by law. Knowledge normative documents will allow you to avoid many difficulties and problems.

The main issues, which are best to be worked out before proceeding with the registration of compensation, include, first of all, the following:

• amount of the amount;
• in what time frame can the payment be received;
• maximum and minimum amounts;
• what documents may be required.

Amount of the amount

The amount paid depends simultaneously on a number of very different factors. The main ones include the following:

• what format is the damage - life, health or property;
• what additional factors are involved;
• the amount of damage caused.

It is important to note that there are certain OSAGO rules, within the framework of which the implementation of the procedure is carried out.

On the this moment Clause 49 of these rules states that the amount of payments cannot be more than 135 thousand rubles for those entitled to compensation.

The maximum amount for burial is also set - in the amount of 25 thousand rubles. The very question of reimbursing the value of the property is compensated as follows:

There may also be other costs in one way or another included in the amount of monetary compensation - which occurs in a particular case.

These expenses today primarily include the following:

• evacuation of a car from a meta incident;
• delivery of victims of road accidents to the hospital;
• other.

Under complete destruction car means a situation when the cost of repair is more than the price of the car on the day of its loss.

In each case, the question is determined strictly individually. But it is worth noting that such a procedure implies certain subtleties, features.

If a citizen, for some reason, does not agree with the decision that was made in a specific case, then he will need to apply for an examination to a special institution.

How long does it take to receive payment?

The timing of payments for compulsory motor third party liability insurance is established by law. And first of all, the drivers themselves need to familiarize themselves with them.

At the moment, the following time intervals have been identified:

Missing the deadline is the basis for refusing to make insurance payments. Therefore, the client needs to carefully familiarize himself with all the nuances and complexities of the procedure. Otherwise, certain troubles may arise.

Maximum and minimum amounts

The maximum amount of payment is determined by law and for 2019 is the following amount for OSAGO:

All calculations must be carried out only within this amount. Moreover, if there are several victims at the same time (both damage to life and health), then the compensation is divided among all.

For example, if there is damage in the amount of 500 thousand rubles, the entire amount is divided in equal parts. If the victim believes that the damage has not been fully repaid by the insurance company, then he has the right to go to court to receive payment for the excess.

Earlier, the amount of compensation was significantly lower. It was:

More recently, payments have increased substantially for a variety of reasons. The consequence was a significant increase in the size of the insurance premium.

That is why, before carrying out the design process, you should carefully familiarize yourself with all the subtleties and features of the process.

Video: actions after an accident to receive payments for OSAGO

As well as maximum size payments. It is important to note that the accrual of compensation funds is allowed only if all the main conditions in this case are met.

What documents may be required