Actions for comprehensive insurance. How to file a comprehensive insurance claim. Insured event without an accident

We list the main insurance cases under CASCO. We will find out how incidents are documented in accordance with the contract, in what time frames the applications of policyholders are considered and what features should be taken into account when making compensation payments.

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CASCO is voluntary motor transport insurance. With such a policy, the driver protects himself from any problems with the car, even in cases where he himself caused the accident.

Let's consider the features of CASCO insurance, or rather, the insured events that are included in the contract.

What it is

Possible with a list of insurance events such as the following:

• traffic accident;
• vehicle theft;
• damage to the car or its additional equipment (specified in the contract) when hitting obstacles, or due to illegal actions of a third party, or acts of negligence;
• complete loss of the vehicle due to natural disasters (except for force majeure situations), illegal actions of a third party.

Insurance cases under CASCO (not accident):

• hitting an obstacle (parking posts, fences), when no harm is caused to the health of citizens;
• loss of transport when there is no second vehicle involved (for example, you damaged the car’s covering with objects, punctured a tire, etc.);
• Damage to headlights and windshield due to chips from flying coverings on the road.

Insured events without documents can be non-serious damage, which must be recorded during the examination.

In some cases, paint damage is classified as minor if there are no consequences of a collision with another car.

Deadlines for application and consideration

There are no deadlines for reviewing an insurance situation for insurance companies. Therefore, the Investigative Committee has the right to determine when and how it will resolve issues.

Established deadlines may be extended, and the procedure for compensation for damage becomes protracted.

Insurance organizations undertake to notify policyholders about the period for reviewing customer applications when concluding a CASCO agreement. The fact that the person has become familiar with such periods is confirmed by the signature of the owner of the vehicle.

The insurance company does not have the right to extend the period for consideration of the application if there are no grounds for this.

The process may be delayed if:

• the client does not provide all the necessary certificates;
• the experts did not consider all the features of the case.

Few insurers tell the CASCO buyer about the liability that arises in case of delay in payments for insured events.

The judge recognizes the period for consideration of the case as illegal if the driver submitted documentation and the insurance company did not immediately provide notice of the missing certificates. Otherwise, the car owner may file a claim with the insurance company.

Payment is made within the same time frame that is allotted for consideration (usually 15 - 30 days). Funds are calculated based on the conditions reflected in the contract.

Insurance companies manage to cite various conditions in order to delay payment. It is possible to reduce the transfer amount or refuse it altogether.

If all the certificates are submitted by the accident participant, the insurance company pays the money within 2 weeks.

It is possible to set another period, but it should not exceed 3 months. If the insurer is late with payments, the client can file a claim in court.

Rules for late payment:

1. If the company avoids transferring the amount of compensation, go to court, which will impose a fine.
2. The injured person may make a claim for compensation for violation of consumer rights.
3. It happens that the insurance company pays a fine for violating the deadline for fulfilling its obligations in accordance with the contract.

The company must notify the client about the timing of payments when signing the contract. The same information should be posted on the official portal of the insurance organization.

What to do in case of an insured event under CASCO

It is worth considering the following features:

1. If you have a CASCO policy, compensation is paid in case of any damage. In this case, the conditions of damage to the vehicle do not matter.
2. Firms do not have the right to refuse a transfer, assuring that the applicant is guilty.
3. Amounts of money are issued if necessary to carry out repair work.
4. After the occurrence of an insured event, the car is inspected by a specialist.
5. Before contacting the insurer, it is worth collecting all the necessary information.

Documentation

When a CASCO insurance event occurs, you need to prepare:

• passport;
• driver's license, vehicle registration documents (PTS, inspection certificate);
• the voluntary insurance contract itself, as well as (it is checked what period of validity it has);
• accident diagram, which will be certified by the inspector;
• in case of theft, keys, a chip, an alarm key fob, as well as a sample application to initiate a criminal case are presented.

The insurance company retains the right to request additional documents.

Statement

Application structure:

• cap (indicate the addressee of the application, the applicant);
• document's name;
• main text (describes the incident, states a request for compensation);
• date and signature.

Decor

Now let’s find out how to act in the event of an insured accident.
First, re-read the contract, understand your rights, calculate the amount that can be paid. After all, many insurance companies are looking for ways not to pay compensation.

1. Call a representative of the traffic police or an emergency commissioner. They will record the accident. You should not rush to call the commissioner if it is not your fault, since the person who calls him will pay for his services.
2. If necessary, take photographs of the damage to the car and its location on the road relative to the second participant.
3. A traffic police representative will identify the culprit and then issue a certificate of accident and a protocol on violation of the administrative plan. If you undergo a medical examination, you should take a certificate confirming this.
4. If you consider yourself innocent, you do not need to start the process of registering the incident as a CASCO case. When purchasing the next insurance, the rate will be increased for each subsequent application. If you can use MTPL, it will only benefit you.
5. Accident commissioners submit a diagram of the accident with the signature of each participant to the law enforcement department. The participant in the traffic accident is obliged to receive and submit documents to the Investigative Committee.
6. Drivers can draw up a diagram of the accident themselves if they have no disagreements.
7. The client notifies the insurance organization of the incident within 3 days. You should notify the company by calling the phone number specified in the contract or sending an email.
8. It is worth submitting the vehicle for inspection to an insurance company. You must be present during the examination. Then you have to write a statement and submit documents regarding the accident.
9. Within the time period specified in the contract, the insurance company will issue a referral to a service station or issue monetary compensation. If the expert’s decision is not reassuring, a refusal to make compensation payments will be issued.

Filing an insurance case under CASCO without an accident (for example, in case of theft) involves contacting the police rather than the road patrol service. An application is submitted to law enforcement agencies, after which a registration ticket for violation of the law will be issued.

Based on such a coupon, you can contact the insurance organization.

Within 2 days, the applicant will be invited by an investigator who will take testimony. He will interview witnesses and issue a certificate of theft.

After 2 months, you will have all the documents necessary for presentation to the Investigative Committee ready. After another month, you will receive compensation, and in case of refusal, a supporting document.

Payments

Let's find out when the insurance company can refuse to pay. These are the following cases:

1. There is a serious violation of traffic rules if the culprit is the insured person. For example, the accident occurred due to speeding or driving while intoxicated. Payment will not be made if the driver was driving a defective vehicle and did not undergo a timely inspection.
2. After the accident, the insured did not adhere to the rules established by the insurance company, which are mandatory to comply with when receiving compensation.
   • the person wrote a statement that he had no claims against the other party. That is, the culprit will not be identified. And insurance organizations have the right to recover damages from the perpetrators. And if there is such a statement, she will not have the right to subrogation;
   • the insured person did not call a traffic police representative to the scene of the accident or provided false information about the accident. The insurance company may declare that the damage does not correspond to the agreed circumstances;
   • the car has been repaired (fully or partially). You should not make any repairs until an appraiser has inspected the vehicle and issued the appropriate report.
3. The policy has two clauses.
   Payment of compensation is not due in the following cases:
   • Damage due to explosion or fire of a second vehicle that was nearby.
   • The vehicle was damaged during nearby cleaning and loading operations.
   • The policyholder did not take measures to minimize the damage.
   • The car was not stolen, but stolen.

To receive a refund, follow these guidelines:

1. Immediately after the incident, call representatives of the authorized body.
2. You should not move the car.
3. There is no need to negotiate with the second participant, otherwise your actions will be regarded by the insurer as fraud.
4. Re-read the protocol. Check to see if there are any errors regarding the details of the accident.
5. Do not delay in notifying the insurer about the incident.
6. When submitting documents to the Investigative Committee, make photocopies for yourself. Make sure that the insurance employee marks the date of receipt of the certificates.
7. It is worth giving the appraiser access to the car.
8. When the insurer accepts your application, find out when your case was registered and what its number is.
9. Follow the progress of the case - call, go to the company’s office.

If you are denied payment, you can challenge the insurance company's decision in court. If there is a delay in payment, you should first file a claim with the insurance company, then with the court or a higher authority. If you disagree with the amount of payments, it is worth conducting an independent examination.

Compensation can be made in the following ways:

• an amount is paid for repairs;
• carrying out repairs at a service station that is a partner of the insurer.

When purchasing CASCO insurance, remember simple rules: choose an insurer that has a good reputation, re-read the terms of the contract, and act correctly in the event of an accident.

The main thing in case of an accident is not to panic and not to try to resolve all issues with the second party on the spot. Otherwise, your insurance will be useless and your appeal to the insurer will not bring results.

Video: CASCO rules - documents required to prove an insured event.

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Most drivers have heard about such an attractive product as CASCO. Insured events under CASCO are determined by the terms of each contract and are specified in the policy. The more risks the protection form includes, the higher the cost of insurance. Let us consider in this article in which case a car owner can receive a payment and what should be done for this. We will pay special attention to what to do if you receive a refusal.

In order for the insurer to make a payment, basic criteria must be met. We will consider them especially for you.

Criteria for an insured event:

Paid policy	Voluntary insurance provides for payment by installments. It is important to understand that payment is provided only if the entire premium is transferred to the insurer's cash desk. As a result, the car owner will need to immediately pay the difference.
The event occurred during the term of the contract	Since, within the framework of voluntary insurance, a case can be reported after a time when the form expires, company representatives ask for an official protocol with the traffic police. The date of the incident is indicated in the protocol, and it must be within the insurance year. Otherwise the company will refuse.
Correct case recording	Each program has rules according to which the car enthusiast must record the event. If they are violated, the insurer will not be able to pay compensation.

What is included

A standard contract helps to obtain compensation in the event of risks such as damage or theft. It is important to take into account that the rules precisely stipulate the risks within which payment is due both as a result of the occurrence of a traffic accident and without it.

In case of an accident

An accident is an event where damage is caused by a motorist who knowingly violated traffic rules or as a result of inattention. It is not necessary for the car to be in motion at the time of the accident.

As part of the rules, companies undertake to transfer money to a motorist who received the following damage as a result of an accident:

• scratches
• chips
• dents
• fire or explosion
• breaking glass and other glass elements of vehicles (mirrors, lighting fixtures, sunroof)
• Damage to rims and wheels
• hidden damage, as a result of which the “stuffing” of the vehicle was damaged

No accidents

CASCO differs from compulsory insurance in that the financial company is guaranteed to provide money for repairs, even if the incident occurred without an accident. Let's look at common risks, the occurrence of which a driver can expect to receive payment.

• theft or hijacking of vehicles
• damage to the paintwork (LPK) from third parties, animals, a branch falling from a tree, or as a result of one’s own negligence
• hail damage: chips and paintwork
• theft of a standard tape recorder, speakers and other property
• damage to body parts from vehicles that fled the scene of the accident

What to do first

When registering, you should check with a specialist about your actions in the event of an insured event. For convenience, some insurers provide a reminder that you can put in the glove compartment of your car and use if necessary.

What to do as a result of an accident:

Required:

1. Stop the vehicle
2. Call a traffic police officer or an emergency commissioner
3. Wait until an authorized specialist records everything
4. Receive the protocol in your hands

It is important to consider that most insurers offer to use the services of an accident commissioner under the policy completely free of charge. To do this, you will need to call the phone number indicated on the form or wait for help.

What to do if there is no accident:

1. Call the local police officer to fix the damage.
2. Receive an official document in order to contact the office of the financial company.

Within the framework of the rules, the policyholder has the right to register the event through the local police officer if the vehicle was not in motion. If a car is stolen, you should write a statement to the police and wait for the outcome of the investigation. Many clients wonder: what to do if glass elements are broken or minor damage is received? It is important to note that in most cases, financial companies are ready to accept without certificates from the competent authorities if damage is caused to glass elements.

It turns out that if the glass is broken, you can immediately notify the insurer and apply for payment. In this case, you should drive yourself to the office if the car can move. If the windshield is completely broken, you should call an employee at the place where the car is stored for inspection. Companies are also ready to accept without a protocol in cases where the amount of damage received for a body element does not exceed 3-5% of the insured value of the vehicle. Therefore, having discovered damage, you need to prepare documents and contact the office of the financial company.

However, it is better to clarify the issue with glass and the minimum percentage for body elements directly with the insurer.

Sample application

No matter what type of case you have, you will need to fill out applications to receive compensation at the office. To save time, you can fill out the document yourself or look at the template so that you know what information will need to be entered into the insurer's form during a personal visit.

Here is a sample application for your attention:

"____"___________ 20 ___ year

To: _____________________________________________________(name of insurer)

Represented by: __________________________________________________________ (full name of the director of the insurance company)

From the policyholder: _____________________________________________________ (full name, passport details)

Living at the address: __________________________________________ (registration address)

Telephone:__________________________________________________________________________

Application for compensation payment under the CASCO agreement

As a result of the occurrence: ________________________________________ (specify the insured risk)

vehicle: ______________________________(make and model, VIN, state registration plate)

Damage to the vehicle occurred “___” ________ 20 ___ at the address: ________________________

Under the following circumstances: _____________________________________________ (describe)

The car was driven by: ________________________________________________ (full name, registration details)

The second participant in the accident is: _____________________________________________________

(full name, car details, license plate, name of insurance company)

Special information: ___________________________________________________ (additional information)

I ask you to pay compensation: ___________________________________ (cash or repairs)

Policyholder: _____________________________________ (full name, signature, date)

To be completed by the insurance company in case of refusal

Acceptance of documents was refused as a result of _________________________________________________

Insurer:_____________________________________________ (full name of authorized specialist, signature and seal)

In practice, at the office of a financial company, you can obtain a corporate application form based on the nature of the insurance event.

List of documents

If you have a completed application, all you have to do is prepare the original documents and contact the insurer’s claims settlement department.

You will need to present:

• personal passport
• power of attorney, if insurance issues are not decided by the owner or representative of the organization
• documents for the car: PTS or STS
• personal account details if payment is in cash
• driver's license
• insurance policy
• inspection report, if drawn up when purchasing the policy
• protocol from the traffic police or from the local police officer

The company representative will additionally need to prepare statutory documents and details.

Deadlines for application and consideration

Under the law, there are no exact deadlines during which a motorist is required to visit the office and write an application for compensation. As a result, the deadlines are approved by the insurer’s internal regulations and are prescribed in the rules.

Standard turnaround times:

• on glass elements without calling a traffic police officer - no more than 5 days
• for body parts, without calling a traffic police officer - no more than 5 days
• if there is a protocol - no more than 14 days

Do not forget about the statute of limitations, which is 3 years. During the specified period, you can write an application for payment. However, you should not delay, since you cannot repair the car and eliminate the damage yourself before contacting us. Otherwise, payment will be denied, since it will be impossible to prove the existence of damage.

After the specified period, drivers who were injured as a result of an emergency event can apply. In this case, the victim undergoes treatment,, if necessary, presents certificates from a medical institution and then receives a payment. A certificate from the hospital is required if the contract insures the life and health of the driver and passengers.

Registration procedure

If you have a complete package of documents and an application, you should contact the office to file a loss and receive compensation.

The procedure includes:

Providing the car for inspection	This is a mandatory requirement. A company employee must inspect the car and record all damage received in the report.
Confirmation	After accepting the full package of documents and inspection, the client is given a copy of the application with an acceptance mark.
Pay	If the agreement provides for payment in money, then the amount is transferred to the client within 15-20 days. When the form provides for repairs at a station, the client is invited to the office 2-3 days later and given a direction to the station with which the repair work has been agreed upon. The car enthusiast only needs to provide the car for repairs. Payment will be made at the expense of the insurer.
Submit your car for inspection	This is necessary for those who received payment in cash. The insurance company must ensure that the damage is corrected. If the client does not show the car and receives new damage to a previously damaged element, the insurer may refuse to pay.

Payments

As mentioned earlier, the insurance company offers two payment options. Which one to choose is decided by the client when purchasing the form. The option cannot be changed upon the occurrence of an insured event. When paying according to calculation, the damage is assessed by an independent expert from a third-party company or an authorized employee of the insurance company. In practice, organizations use remote agreement on the amount of damage.

In this case, photographs from the vehicle inspection are sent to a central office employee, who determines how much the client should receive. The cost of repair work is not taken into account. By choosing repairs at the station, the client overpays a little, but is freed from financial issues. In this case, the organization itself pays for new parts and repair work.

If payments are denied

Often clients are denied payment. The main thing is to find out the legality of the refusal. To do this you should:

1. Receive a written refusal that includes a reference to the rules or law.
2. Study the rules to understand the legality of the refusal received.
3. If the company refused illegally, file a pre-trial claim with the insurer. In it, refer to the law and ask the company to reconsider the case and make a payment.
4. Receive payment or refusal.
5. If there is a repeated refusal, file a claim and go to court with it.
6. Get a court decision.

Insurers often refuse due to the fact that the client does not present all the documents. In this case, you will need to prepare the missing documents and contact the office of the financial institution again.

What cases are not recognized as insurance?

Exceptions are always specified in the rules, which are an integral part of any contract. If necessary, they can be downloaded in advance from the official portal to study the conditions.

The company will refuse if:

• the car was used as a taxi, sports competition or racing, unless this is provided for in the terms of the form
• a driver who was not included in the policy was driving at the time of the accident
• Additional equipment that was not insured was stolen from the vehicle
• the insured event is not registered by the traffic police (if this is a mandatory requirement)
• Not a complete package of documents was presented
• The driver of the car refuses to present it for visual inspection to a police officer
• the insured event occurred outside the Russian Federation

In conclusion, it can be noted that with the help of a voluntary CASCO agreement you can protect yourself from unexpected expenses as a result of damage or theft. It is important to understand that each insurance case must be properly filed. Otherwise, you may receive a legal refusal.

In the event of damage, each client must write a statement, prepare documents and contact the insurer. You will also need to present your car for inspection. If any point is not met, the company will refuse to study the rules and the law. If an unjustified refusal is detected, you should defend your rights in court.

Insurance payments - how to force the insurance company to pay?

Return to Insured Event

The situation in the car insurance market is currently ambiguous. The CASCO insurance policy has literally become more expensive. At the same time, many insurance companies with a seemingly impeccable portfolio have ceased their activities in this market. All this leads to increased consumer refusals from CASCO insurance. But there are situations when you cannot do without this type of insurance: a car loan, the inability to park a new expensive car in a guarded parking lot, etc. Naturally, when paying for an expensive service, the policyholder must know about his rights and be most fully informed about all the nuances of insurance cases. Often insurance companies do not explain the “full layout” to the client. The reason for this is simple: any payments are unprofitable for the insurer; the company must remain in the black. But any sane person, when insuring a car under CASCO, always thinks about how to “recoup” the money invested in the policy. Therefore, it is important to know the algorithm of actions, the necessary documentation and your rights when an insured event occurs under CASCO. And, in fact, what exactly can be considered an insured event.

Standard list of insurance cases for comprehensive insurance:

road accident;
Theft (vehicle theft);
Damage to the vehicle, as well as additional equipment, as a result of hitting an obstacle or the actions of third parties (illegal or negligent).

A list of additional equipment (for example, wheels, disks) is usually prescribed when drawing up an insurance contract.

As a rule, the price of insurance increases with more additional equipment insured;
Complete destruction of a vehicle as a result of the actions of criminals or a natural disaster. But, if you consider a disaster, you should carefully re-read the contract with the insurance company. Natural disasters often fall under force majeure circumstances. In this case, the insurer does not make payments.

Insured events under comprehensive insurance without an accident are considered:

Hitting an obstacle (for example, a parking post, fence) without causing damage to third parties;
Damage to the car without the involvement of another vehicle (for example, damage to the paintwork with a sharp object, puncture of tires, broken glass, etc.);
Accidental damage to glass elements of a car (headlights, windshield): as a rule, chips from something flying off the road surface, etc.

An insured event under CASCO without certificates usually involves minor damage (for example, glass elements). In this case, it is enough to drive up to your company to inspect the vehicle and the damage will be fixed on the spot. Sometimes, if the company’s expert decides, damage to the paintwork may be included in the list of minor ones. As a rule, if there are no obvious consequences of a collision with another vehicle.

In other cases, it is necessary to call the emergency commissioner. Acts of vandalism or theft against a vehicle must be recorded by the police.

Actions of the holder of a comprehensive insurance policy in case of an accident and other insured events

What to do when an insured event occurs under CASCO insurance is a natural question for the policy owner. The algorithm is quite standard. But when issuing a CASCO policy, the insurer does not always describe it in detail.

Therefore, here is a list of necessary actions in case of an insured event:

Calling an inspector or emergency commissioner to record the incident.

Do not rush to call the commissioner if you do not admit guilt. Payment for its services usually falls on the call initiator;
If you do not plead guilty, do not rush to file an accident as a CASCO insurance case. With subsequent insurance, each CASCO claim automatically increases the personal rate. Therefore, if there is an opportunity to compensate for real damage under compulsory motor liability insurance for the person responsible for the accident, it is better to take advantage of it;
According to the new rules, the accident commissioner submits an accident plan with the signatures of all participants to the traffic police. But the participant in the accident must collect the documents and submit them to the insurance company;
If there is no dispute about guilt among the participants in the accident, you can draw up a diagram of the incident yourself;
Notify the insurance company about the accident within the time period specified in the contract. As a rule, no more than 3 working days are allotted for notification;
The car is provided for inspection by the insurance company. The policyholder participates in the inspection together with the agent, writes a statement, provides documentation on the incident;
Within the time period established by the contract, the insurance company must provide the policyholder with a document confirming the direction of the car for repairs or monetary compensation (to choose from), or the conclusion of an expert commission on the refusal to compensate for damage.

Required documents for CASCO insurance case:

Identity document;
Originals and copies of driver's license and vehicle registration documents;
CASCO policy, MTPL policy (usually check the validity period);
Road accident diagram certified by the State Traffic Safety Inspectorate;
In case of theft, it is necessary to provide the remaining vehicle keys, chips, alarm key fobs;
In case of theft, a copy of the application to initiate a criminal case is also required.

Please note that the insurance company may additionally require its own package of documents if such a need arises.

Do you need a CASCO policy or can you do without it: each driver weighs his own risks.

But a car owner who decides to insure a vehicle under CASCO must remember simple rules:

Choose a company that has been operating in the insurance market for several years and has a reliable reputation;
Carefully read the insurance contract, discuss all the nuances before signing the contract;
Remember the algorithm of actions in the event of an insured event. Do not hesitate to contact your company if in doubt;
Pay close attention to the clauses of the contract, which indicate cases in which CASCO insurance is not paid (the list is quite standard, but companies have their own characteristics).

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Insurance companies strive to minimize losses and the number of lawsuits with clients. To do this, in the CASCO rules they indicate an exhaustive list of exclusions from insurance coverage. What will the insurance company definitely not pay for?

Each company creates such a list based on its own practice, therefore it is impossible to list all existing reasons for refusing payment. However, there are a number of cases where the insurance company is guaranteed not to compensate for the damage.

Standard list

First of all, it is worth mentioning the standard exceptions. By the way, they are regulated not only by the insurance conditions of a particular company, but also by insurance legislation. No auto insurer will compensate for damage resulting from the following events.

• Exposure to radiation.
• Popular unrest.
• Military events.
• Nuclear explosion.

In addition, you should not expect payment when the car was requisitioned or confiscated by government authorities. If the state representative had sufficient authority and his actions do not contradict the law, the insurer will refuse to compensate for damage resulting from such actions.

This also includes cases of lost profits and commercial losses of the car owner, for example, due to the downtime of a damaged car.

Along with the events described, it is worth mentioning cases of damage to technically faulty vehicles. If the policyholder has violated the rules for operating the car or has not passed the mandatory technical inspection, he will be refused compensation for damage.

The same result will happen if the car is rented or leased without the knowledge of the insurer. In addition, the car owner will not be compensated for damage when using the vehicle in competitions or tests, if such a possibility is not provided for by the terms of the contract.

Actions of the policyholder

An unconditional basis for refusal to compensate for damage is intentional damage to the car by the insured or his representative. In other words, the car owner will definitely be denied payment if he deliberately provoked the accident. True, this requires strong evidence, in particular the conclusion of a trace examination and witness testimony.

If the car is damaged due to the fault of third parties, you should not waive claims against such citizens, because otherwise the insurer loses the right to subrogation. If the insurance company is deprived of the opportunity to make claims against the person responsible for the accident, the policyholder will have to pay for the repairs themselves.

In addition, the insurer will refuse to compensate the client for damage if the car is damaged under the following circumstances:

• Using a car for criminal purposes.
• Using an open fire when warming up a car.
• Movement of a car without a driver.

Some insurance companies include as exceptions cases of gross violation of traffic rules, for example, driving at a railway crossing when the traffic light is prohibiting.

Another reason for refusal is leaving the scene of a traffic accident. If the policyholder collided with another vehicle or with an obstacle and then fled the scene, he should not count on compensation under the CASCO agreement.

Loading and transportation

The car owner is not compensated for damage due to damage to the car during loading and unloading onto another vehicle. In addition, accidents during the evacuation or towing of a car are not covered by insurance protection under the CASCO agreement.

Cases of damage to vehicles during loading, unloading or transportation of any items deserve special attention. Such damage is not subject to compensation. In other words, the car owner will not be paid anything if the car is damaged due to spontaneous movement of large cargo inside the cabin or trunk.

Theft and embezzlement

Many companies include theft of individual vehicle components as exceptions to the scope of insurance coverage.

In particular, the insurer will refuse to recognize the theft of parts as an insured event if they were stored separately from the vehicle.

In addition, theft of the following items is not an insured event:

• First aid kit, tool kit, fire extinguisher.
• Mud flaps, windshield wiper blades.
• License plate, car emblem.
• Keys, keychains, documents.
• External spare wheel.
• Warning triangle.

Along with this, the insurer will not pay compensation for a stolen awning. Damage to this element of the machine due to the actions of criminals is also not an insured event. Accordingly, if you plan to park your car for a long time, you should take care of the safety of the awning.

It is noteworthy that insurance companies do not compensate for damage in the event of theft or theft of the anti-theft system. However, in some cases, payment is still possible, but only if the car owner has insured such a system as additional equipment.

Poor quality service

Exceptions include all incidents resulting from errors during vehicle repair or maintenance. Therefore, you need to carefully check the reputation of a car service before starting repair work. After their completion, if possible, it is necessary to check the operation of all units and components of the machine.

Also, damage to a vehicle during the washing process cannot be recognized as an insured event. True, the car owner will be paid compensation if it is known for certain which of the car wash employees damaged the car.

In this case, such a citizen must fully admit his guilt.

In addition, it is worth mentioning manufacturing defects. If the insurance company proves that the damage to the car was the result of a manufacturing defect, the policyholder will not pay anything. In this case, you should file a claim with the car manufacturer, because it is he who is to blame for the damage to the car.

Natural wear and tear

Policyholders often complain about refusal to repair certain minor damages. Meanwhile, they forget about the natural wear and tear of the car. Constant use of the machine will certainly lead to minor damage to the paintwork and glazing. In particular, most insurers do not pay for repairs of the following defects:

• Minor chips and scratches on the body and glass.
• Corrosion of metal parts.
• Thermal destruction of body elements.

Accidents due to the entry of various objects, animals or water into the internal cavities of the car are equally assessed. In the latter case, it is worth highlighting water hammer. Such an incident is not considered an insured event, even if it occurred during a natural disaster.

In addition, you should not count on payment if parts break. In particular, if the battery, generator and power supply circuit are damaged due to a short circuit. The insurer will pay for such damage only when it is a consequence of an insured event, for example, a traffic accident.

Wheels and tires

As a rule, damage to tires and rims is not grounds for payment when there is no other damage. In addition, if the car owner uses a winter set of tires, they should be insured as additional equipment. Otherwise, the insurance company will refuse to pay for new tires, even when other elements of the car are damaged in addition to the wheels.

For example, when driving through a forest plantation, field or ice of a reservoir. In the latter case, the car owner will be denied repairs for any damage, because falling through the ice outside the roadway does not qualify as an insured event.

The answer to all questions

The above exceptions are typical for most insurance companies, but in any case it is worth focusing on the CASCO rules of a particular insurer. Each company may change the list of exclusions at its own discretion.

Consequently, an individual organization's insurance policies may not include some of the exclusions described. At the same time, the insurer has the right to add additional reasons for refusing payment to the insurance conditions. Thus, only studying the CASCO rules will help you fully understand when an insurance company can legally refuse compensation for damage.

Also, no insurance company will compensate for moral damage.

Also, payment will be denied if at the time of the accident the driver was under the influence of alcohol, drugs or medications, the use of which is prohibited from driving.

Also included in the category of exceptions are all cases of damage to wheels outside the roads.

Many insurance companies today are ready to provide you with CASCO payments without certificates of incident from the competent authorities. However, in this case, the client needs to know a number of essential subtleties in order not to be refused. In this material we will talk about the rules of CASCO insurance, which simply must be taken into account in order not to be left without insurance payments.

A good car has long ceased to be a luxury. The modern car market offers many options: used budget cars, new cars from showrooms, including on credit, imported from abroad. Given the quality of the roads and the driving style of some road users, damage is now the norm even for very experienced drivers.

A broken mirror, scratches on the body - it’s not that expensive to fix all of these individually, but if you calculate the approximate amount that comes out per year, the car can become golden. CASCO insurance is offered by almost all insurance companies - Renaissance, VSK, Allianz, RESO-Garantiya, VTB Insurance, Alfastrakhovanie and others.

Of course, if you have a minor problem on the road and there was minimal damage, then there is no desire to run around the authorities and collect the necessary pieces of paper. This takes a lot of time and effort.

Most insurance companies understand this very well, which is why they offer to apply for payment without certificates.

Before insuring a car under CASCO, a logical question arises: will such action entail further problems? And who benefits more from the lack of certificates, clients or insurers?

How not to be left without payments?

Before calculating CASCO for a car, you must carefully read the terms of the contract and clearly understand all the conditions under which the insurer is obliged to compensate you for damage. It is important to understand that without certificates and documents from the competent authorities, the company will only be able to reimburse you for the cost of those damages for which the amount of repair does not exceed the established limit.

For example:

• Glazing replacement
• Headlight repair
• Minor damage to the body (up to two parts).
• What does "Minor Damage" mean?

The amount of money paid to the client should not exceed 3-5% of the total cost of CASCO vehicle. At the same time, the insurer can also limit it in the total amount (for example, no more than 30,000 rubles).

In addition, the nature of the damage is also taken into account. Some companies can compensate for chipped coatings without a certificate, but for the body they require special documentation.

The quantitative component also matters. This means that without a certificate, only one element of damage can be repaired (scratches on the body or door).

And finally...

As soon as you can calculate CASCO using an online calculator and choose the most acceptable conditions for yourself, clarify one important nuance. There are seemingly minor damages caused by another car. Most likely, they can be paid without a certificate. If at the same time the other car did not flee the scene of the accident, but you did not consider it necessary to call the traffic police, you will be refused payment! The CASCO policy contains a clause stating that the policyholder should not deprive the company of the opportunity to make a regressive claim.

This memo only explains interactions with the insurance company. There is no guidance here on measures aimed at ensuring the safety, preservation of the health and property of oneself and other participants in the events.

Keep these steps in mind when performing the steps described in this leaflet.

If damage occurs as a result of an accident, you must:

1. Call the traffic police. If the other party offers to “settle the matter between themselves” and the damage is insignificant, some policyholders agree to do so. But if hidden damage is later discovered in the car, or the situation worsens in another way, the policyholder will no longer be able to contact the insurance company for damages.
2. Notify the insurance company of the occurrence of an insured event. 24-hour telephone numbers where you can contact a representative of the insurance company are always indicated in the policy. It is not uncommon for a driver to experience shock or confusion after an accident. Therefore, tips from an insurance company employee regarding actions to register an accident will come in handy. Most importantly, do not forget to write down the name of the insurance company employee who accepted the call. This will help if an employee refuses to provide assistance or gives incorrect instructions. The policyholder is obliged to notify the insurer about the accident within several days from the moment of the accident (most often within 72 hours). The specific period is set by the insurer (specified in the insurance contract). However, if possible, it is better to notify the insurance company directly from the scene of the accident.
3. Write down the necessary information. License plates of the cars of other participants in the accident, their names and telephone numbers, as well as the names and contacts of eyewitnesses. If the policyholder considers himself a victim, you need to find out OSAGO policy number the culprit of the accident (usually indicated in the accident certificate), and also clarify which company is insured with it. Subsequently, the victim of an accident has a choice of which insurance company is more profitable to apply for compensation for damages.
4. Fill out the “Notification of an accident”. It is extremely important to fill it out correctly and carefully. Failure to correctly fill out the “Notice of an Accident” may result in a refusal to pay for an insured event. If other participants in the accident are ready to make contact, it is better to fill out the draft “Notice” together with them. If the other party refuses to jointly fill out this document, you must ask the traffic police officer to make a note indicating refusal to cooperate in filling out the “Notice of an Accident” in the incident report.
5. Do not change anything at the scene of the accident until the traffic police arrive without very good reasons. Do not remove glass, fragments, debris, or various objects related to the accident. If possible, organize a detour to the scene of the incident. If for some compelling reason something has to be changed, it is necessary to record the original location, draw up a diagram, photograph, sketch and describe it in the presence of witnesses. The insurance company always pays close attention to the description of the accident site and the road accident diagram as evidence of the occurrence of an insured event.
6. Record the scene of the accident with a camera or phone camera. Even if there is no need to change anything at the scene of an accident, it can happen accidentally. Therefore, it is necessary to photograph the accident scene from at least four sides. It is extremely important to record the position of the vehicles, as well as the injured persons (if any).
7. After the arrival of the traffic police officer It is advisable to actively participate in the registration of road accidents. This will guarantee that the documents will be completed correctly, the necessary nuances will be included in the protocol and there will be no problems with receiving insurance payment. It is necessary to observe how the traffic police officer draws up an accident diagram and what he writes into the protocol. If the policyholder has witnesses to his innocence, their testimony must be included in the protocol.
8. You can sign the protocol only after making sure that the diagram, testimony of witnesses and explanations of the participants in the accident are recorded correctly. Documents must be completed legibly. If there are corrections, then there should be a note “corrected to believe” with a signature and seal. Documents must not be filled out in different handwritings. There should not be any stamps on the road accident certificate (except when corrections have been made). But it must be on a numbered self-copying form. The protocols must include information about the location and time of the accident. Incorrect execution of documents can lead to difficulties with compensation for damage.
9. If the policyholder does not agree with the protocol, he must write “Disagree” on it.

   Subsequently, he can present arguments regarding his correctness in court when appealing the protocol.

10. At the scene of the incident, you must obtain the following documents from the traffic police inspector: a copy of the protocol on an administrative offense, a certificate of an accident, a diagram of an accident, a resolution on the case of an administrative offense, explanations of the participants in the accident, testimony of witnesses. In practice, traffic police inspectors often refuse to process the listed documents on the spot, and the policyholder receives them only a few days after the accident has been resolved. Receiving insurance compensation is possible only after submitting the above documents, in accordance with the CASCO insurance rules of a particular company.
11. Hidden damage. Previously, traffic police inspectors could enter the phrase “hidden damage is possible” into the vehicle damage certificate if the condition of the car cast doubt on whether all damage could be detected on the spot. At the moment, traffic police officers are prohibited from using this phrase. The insurance company will be guided by this certificate when assessing damage. Thus, the policyholder should take care of the most thorough inspection of the insured vehicle at the scene of the accident. Otherwise, when the car is re-inspected by an expert, it will be extremely difficult for the car owner to prove that the newly discovered damage relates to the declared insured event. In the worst case scenario, the insurer may refuse to compensate them.
12. In case of intimidation, threats, coercion move a vehicle or items related to an accident, pay money on the spot, or violate insurance rules in any way, you should consult with an insurance company lawyer.
13. Come to the insurance company in person and write a claim for damages. The policyholder can do this within the period established by the insurance contract. At the insurer's office, the policy owner can receive a list of documents that must be collected to compensate for damage. This list may differ for a specific insured event. Documents can be provided as they become available. Most often, the deadline for submitting documents is not regulated by the insurance company.
14. The minimum list of required documents for submission to the insurance company:
    • Notification of an accident;
    • A copy of the administrative violation protocol;
    • A copy of the resolution in the case of an administrative offense;
    • Certificate of accident;
    • Vehicle registration certificate;
    • Driver's license;
    • Receipt for payment of insurance premium;
    • Original insurance policy;

Often we think about the correct procedure for registering an accident only after the incident. Post-accident stress and ignorance of the simplest rules lead to mistakes, and the result of such mistakes is often a refusal to pay. Meanwhile, the algorithm for initial actions after an accident is extremely simple; it is only important to clearly define the circumstances of the incident.

Primary actions depend on the nature of the accident

Depending on the circumstances of the incident, four types of accidents can be distinguished:

• Accident with one participant.
• Road accident with two participants (Euro protocol).
• Road accident with two or more participants (NOT Europrotocol).
• Road accident with casualties.

The last point is made separately, because in the event of a real threat to the life or health of people, action must be taken immediately. In such situations, only human life is a priority.

An accident with one participant - a collision with a fence, lamp post, wild animal, etc.

1. Never leave the scene of an accident without registering an accident..

Remember that a fence, pole, wild animal and other objects are someone’s property. If you do not document the accident properly, you may subsequently be presented with a recourse claim. In addition, without police documents, the insurer will almost certainly refuse to repair the car under CASCO.

• Do not change the location of the car or objects related to the accident.

• IMPORTANT: do not change the location of the vehicle or objects related to the accident.
• Record the location and damage to the vehicle in a photo or video. Take pictures of the accident scene from at least four sides.

4. If an obstacle is created for the movement of other vehicles, remove the car from the roadway.

IMPORTANT: Failure to comply with this norm is punishable by an administrative fine of 1,000 rubles (clause 1 of Article 12.27 of the Code of Administrative Offenses of the Russian Federation). However, before removing the car, it is a good idea to coordinate your actions with the police by phone. Call the traffic police for further instructions.

Depending on the circumstances of the accident, the next steps may vary. It is therefore important to obtain further instructions from the competent authorities. Possible instructions from police officers:

• Remove the car from the roadway if an obstacle is created.
• Or go to a traffic police post or police department to fill out documents.
• Or wait for the traffic police to arrive.

5.

6. Fill out the accident report.

Ideally, you should fill out an accident report directly at the scene of the accident. True, in most cases, this document can be filled out at the insurer’s office when submitting documents for payment or at home.

Road accident with ONLY two participants (Euro protocol)

• Turn on your hazard lights.
• Remember that you must not leave the scene of the incident (clause 2 of Article 12.27 of the Code of Administrative Offenses of the Russian Federation). If you are not sure where exactly the accident occurred, turn on the navigator and check your location. Alternatively, find out the address of the nearest house, and on the highway, look for the nearest highway kilometer sign.
• Place a warning triangle on the roadway.

  The distance from the sign to the nearest damaged vehicle should be 15 meters in a populated area and 30 meters outside the city. Be extremely attentive and careful on the road so as not to get hit by the wheels of other cars.

• Also take close-up photographs of brake marks, torn off car parts and other objects associated with the accident.
• Find out if there are witnesses to the incident. Ask them to leave their information (phone number, passport details, etc.).

An obstacle is considered to be occupying a traffic lane, regardless of the possibility of detour.

IMPORTANT: Failure to comply with this norm is punishable by an administrative fine of 1,000 rubles (clause 1 of Article 12.27 of the Code of Administrative Offenses of the Russian Federation). However, before removing the car, it is a good idea to coordinate your actions with the police by phone. Call the traffic police and get confirmation of the planned steps (or other instructions).

4. Report the accident to your insurance company.

Most often, CASCO rules oblige you to provide your insurer with information about the place, time and circumstances of the accident. It is better to do this from the scene of the accident to avoid possible problems when settling the loss.

The insurer's telephone number is indicated on the policy form. Write down the time of the call and the name of the operator who answered the call. If possible, obtain information regarding further settlement of the loss.

5. Complete the “Notice of an Accident” together with the other participant in the accident.

When filling out the “Notice”, each driver fills out his own column of the front part (any column to choose from - left or right):

• IMPORTANT: when preparing a “Notice”, it is recommended to use standard road accident diagrams, as well as the RSA Instructions.
• Use a ballpoint pen.
• Write with pressure so that the words are clearly printed on both copies of the Notice.
• Enter general information about the traffic accident.
• Together with another participant in the incident, draw up a diagram of the accident.
• Next, separate the “Accident Notification” sheets.
• Drivers sign the sheets on the completed side in the appropriate boxes at the bottom of the form. Each person puts two signatures in the appropriate boxes at the bottom of the form. In total, each driver puts four signatures: two on the front side of each of the separated forms. Only your signature is placed on the reverse side.
• After this, the participants in the accident each fill out their part of the kit separately on the back side of the “Notice of Road Accident”.

Road accident with two or more participants (NOT Europrotocol)

1. Ensure road safety:

• Turn on your hazard lights.
• Do not change the location of cars and objects related to the accident.
• Remember that you must not leave the scene of the incident (clause 2 of Article 12.27 of the Code of Administrative Offenses of the Russian Federation). If you are not sure where exactly the accident occurred, turn on the navigator and check your location. Alternatively, find out the address of the nearest house, and on the highway, look for the nearest highway kilometer sign.
• If one of the participants in the accident behaves aggressively or inappropriately, as well as intimidation or threats on his part, call the police. Wait for the police to arrive in your car, locking the doors from the inside.
• Place a warning triangle on the roadway. The distance from the sign to the nearest damaged vehicle should be 15 meters in a populated area and 30 meters outside the city. Be extremely attentive and careful on the road so as not to get hit by the wheels of other cars.

2. Record the circumstances of the accident:

• Record the location and damage of vehicles in photos or videos. Film the accident scene from at least four sides.
• Also take close-up photographs of brake marks, torn off car parts and other objects associated with the accident.
• Find out if there are witnesses to the incident. Ask them to leave their information (phone number, passport details, etc.).
• Write down the details of the other participant in the accident (passport details, driver's license number, MTPL policy number, contact phone number).

3. If an obstacle is created for the movement of other vehicles, remove the car from the roadway. An obstacle is considered to be occupying a traffic lane, regardless of the possibility of detour.

IMPORTANT: Failure to comply with this norm is punishable by an administrative fine of 1,000 rubles (clause

1 article 12.27 of the Code of Administrative Offenses of the Russian Federation). However, before removing the car, it is a good idea to coordinate your actions with the police by phone. Call the traffic police for further instructions.

Possible instructions from police officers:

• If there is no disagreement regarding the circumstances of the accident: go to the nearest traffic police post or police department to register the accident.
• If there is disagreement regarding the circumstances of the accident: wait for the traffic police squad to arrive at the scene of the accident or go to the nearest traffic police post or police department to register an accident.

4. Report the accident to your insurance company.

Most often, CASCO rules oblige you to provide your insurer with information about the place, time and circumstances of the accident. It is better to do this from the scene of the accident to avoid possible problems when settling the loss.

The insurer's telephone number is indicated on the policy form. Write down the time of the call and the name of the operator who answered the call. If possible, obtain information regarding further settlement of the loss.

5. Fill out the accident report.

Road accident with victims

1. If there is a threat to the lives of the victims, arrange for the victims to be transported to a medical facility on a ride. If there is no passing transport, deliver the victims with your car (this is allowed by traffic rules). At the medical institution, provide your last name and license plate number of your car, presenting supporting documents.

IMPORTANT: after this you must return to the scene of the incident.

If there is NO threat to the lives of the victims, Call an ambulance and report the incident to the police. Take all possible measures to provide first aid to victims.

2. Ensure road safety:

• IMPORTANT: prompt assistance to victims is a priority over traffic rules. In such situations, it is allowed to move the car a couple of meters to provide access to the victim, as well as provide assistance to the victims until a warning triangle is installed.
• Turn on your hazard lights.
• If someone involved in the accident behaves aggressively or inappropriately, or if they are intimidating or threatening you, call the police. Wait for the police to arrive in your car, locking the doors from the inside.
• Place a warning triangle on the roadway. The distance from the sign to the nearest damaged vehicle should be 15 meters in a populated area and 30 meters outside the city. Be extremely attentive and careful on the road so as not to get hit by the wheels of other cars.

3. Record the circumstances of the accident:

• IMPORTANT: do not change the location of cars and objects related to the accident.
• Record the location and damage of vehicles in photos or videos. Take pictures of the accident scene from at least four sides.
• Also take close-up photographs of brake marks, torn off car parts and other objects associated with the accident.
• Record information from eyewitnesses to the incident. This is a requirement of the Road Traffic Rules.

4. Do not move damaged vehicles. If possible, keep traces and objects associated with the accident intact.

Take measures to organize a detour to the accident site.

5. Wait for the police to arrive and follow their instructions.

6. Report the accident to your insurance company.

Most often, CASCO rules oblige you to provide your insurer with information about the place, time and circumstances of the accident. It is better to do this from the scene of the accident to avoid possible problems when settling the loss.

The insurer's telephone number is indicated on the policy form. Write down the time of the call and the name of the operator who answered the call. If possible, obtain information regarding further settlement of the loss.

7. Fill out the accident report.

In most cases, this document can be filled out at the insurer's office when submitting documents for payment or at home. However, ideally, you should fill out an accident report directly at the scene of the accident. It is often difficult to subsequently find other parties to the incident to fill out their part of the notice. Without this document, the insurance company will refuse to compensate for the damage.

For example, it is extremely important to comply with the deadlines specified in the insurance contract and/or CASCO rules.

Yes, sometimes insurers pay even if these insurance conditions are violated (of their own free will or by court decision). However, meeting the deadlines for submitting documents in any case will greatly simplify the receipt of insurance compensation.

Receiving payment

Remember that the actions described in this section must be correlated with the insurance rules and requirements of the insurer. Nevertheless, two possible algorithms of action can be distinguished when settling an accident under CASCO insurance.

If the accident is registered WITHOUT the Europrotocol

2. PObtain police documents confirming the fact and circumstances of the damage to the car. The specific list of documents depends on the circumstances of the accident.

IMPORTANT: when receiving documents, make sure that their contents are true. Any corrections must be certified by an official’s signature and seal.

3. Send an application for payment to the insurance company with the attached documents. The procedure and deadlines for submitting documents are regulated by the CASCO insurance rules of a particular company. To facilitate the settlement of a loss, try not to violate the terms specified in the contract and/or insurance rules.

A typical list of documents required for consideration of an application for payment:

• Supporting documents from competent authorities.
• Passport.
• Insurance policy.
• Diagnostic card.
• Bank details for payment transfer.

IMPORTANT: This list is not exhaustive. A complete list of documents required for payment must be obtained from the insurer.

Don't wait until all the necessary paperwork is completed. If any documents are missing, attach to the application documents confirming the fact of the complaint regarding the incident. This could be a police notification ticket.

If the accident is registered according to the European Protocol

1. Don’t be rude or rude to the insurer’s employees. Representatives of the insurance company often deliberately delay the settlement of losses if the policyholder behaves inappropriately when submitting documents.

Attach your copy of the “Notice of Road Accident” and the necessary documents to your application. Obtain a complete list of documents required for payment from the insurer. Send the documents within the period specified in the CASCO Rules of the insurer, but in any case no later than five working days from the date of the accident.

IMPORTANT: if you are at fault for an accident, your copy of the “Notice” must be sent within five days to the company where you purchased the MTPL. If CASCO was purchased from another company, the issue of providing notice to both organizations can be resolved in one of two ways:

1. Make a copy of the notice certified by a notary.
2. CASCO insurers often accept a copy of the notice certified by the MTPL insurer. IMPORTANT: check with your CASCO insurance company to see if they will accept such a document.

It is important to remember that this situation is not covered by law. In addition, you cannot begin repairing (disposing of) a car within fifteen days (not counting non-working holidays) without the written permission of the MTPL insurer.

3. Standard list of documents required for consideration of an application for payment:

• Notification of an accident.
• Vehicle registration certificate.
• Passport.
• Insurance policy.
• Documents confirming payment of the insurance premium.
• Diagnostic card.
• Bank details for payment transfer.

Accordingly, the course of action directly depends on the nature of the incident.

Correct registration of an accident is critical to receiving a CASCO payment. However, do not forget that collecting and submitting documents also require special care.

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Some motorists believe that by receiving a CASCO policy, they have insured their car against all troubles. However, such a belief is a serious misconception. Each insurance event under CASCO is specified in detail in the insurance contract, which must be signed when applying for a policy. If the event that caused the damage to the vehicle is not mentioned in this document, you will not be able to receive compensation for material damage. It is for this reason that you should carefully read all clauses of the contract before signing.

What is CASCO

Every motorist who decides to voluntarily insure his car wants to receive guarantees and confidence that in the event of damage or loss of his vehicle, he will receive compensation for damage. However, in order to avoid serious disappointments, you should understand what CASCO covers and what troubles it can protect against.

If the conditions for payment of compensation under compulsory motor liability insurance are the same in all cases, then under voluntary CASCO policies each insurance company has the right to enter into the contract its own list of risks that are subject to compensation and to provide for various important nuances.

Legislative regulation of CASCO

Currently, there is no special federal law regulating the list of insurance cases under CASCO. The activities of participants in the voluntary vehicle insurance market are regulated by the Law of the Russian Federation No. 4015-1 of November 27, 1992 “On the organization of insurance business in the Russian Federation.” According to this document, insurers and their associations have the right:

• independently establish rules for voluntary property insurance;
• determine the list of insured events and risks;
• establish the procedure for determining the amount of damage, the insured amount, premium and tariff;
• approve the procedure for concluding and terminating an insurance contract;
• determine the procedure for payment of compensation;
• draw up a list of grounds for refusing compensation for damage.

The rules of insurance companies regarding what CASCO covers and in what order damages are compensated must be drawn up in such a way that they do not contradict the Civil Code of the Russian Federation, other federal and local laws. The conditions for drawing up an insurance contract are regulated by Articles 929 and 943 of the Civil Code of the Russian Federation. The rules of a particular company must be public in nature and be in the public domain for those who wish to familiarize themselves with them.

Even before concluding an agreement with a representative of the insurer, you should find out in detail what is included in CASCO insurance cases, so as not to be left alone with your problems in the event of damage or loss of the vehicle. Depending on the approved rules of a particular company, the following situations may be considered insurance:

• damage to the car as a result of a traffic accident, even if it was caused by the policyholder himself;
• fire or explosion of a vehicle;
• hitting an obstacle or animals;
• damage caused by natural disasters - floods, hurricanes, landslides, heavy hail, etc.;
• falling of heavy objects or objects - trees, poles, fragments of the facade or roof of buildings, icicles, etc.;
• car theft;
• constructive loss of the car, when it has received serious damage and cannot be restored;
• damage to the vehicle by large or wild animals;
• vandalism by third parties;
• damage to the car while in the parking lot.

A vehicle can get damaged in a variety of ways and for a variety of reasons.

When studying the terms of the contract, it is important to pay attention not only to the list of insured events, but also to the reasons for their occurrence.

For example, if the document states that only spontaneous combustion of a car due to faulty electrical wiring is compensated, then in case of arson no compensation will be paid. Some companies only reimburse for car theft if it was committed from a garage or secure parking lot.

Depending on the company’s rules, the policyholder may receive compensation for some damage without providing certificates from the traffic police or the Ministry of Emergency Situations. How to get insurance without an accident, or rather, without registering one, you need to ask the insurer’s manager before concluding a contract. Most often, you can do without unnecessary red tape when it comes to minor damage - dents, scratches, broken glass, etc.

Circumstances excluding the possibility of receiving compensation under CASCO

The rules of each company must clearly list non-insurance cases under CASCO. They differ from one insurer to another, but most often these are the following situations:

• the traffic accident was caused by the driver whose data was not included in the CASCO policy;
• the policyholder did not promptly report a change in the degree of risk - a change in personal information, registration data of the vehicle and a change in the conditions of its operation, a breakdown of the security and monitoring system;
• car theft along with title and registration certificate;
• lack of one set of keys;
• minor scratch on the car without deformation of parts;
• damage to wheels and tires, if other parts are not damaged;
• violation of the operating conditions of the car that were specified in the contract (for example, use as a taxi);
• participation in races;
• causing damage outside Russia;
• driving while under the influence of alcohol or drugs;
• intentional damage for the purpose of obtaining compensation (for example, the owner himself scratched the car’s bumper or broke the windows);
• theft committed through the driver’s fault (for example, he forgot to close the doors, left the key in the ignition, did not ensure the safety of the keys and alarm fob);
• the owner of the vehicle did not report the fact of theft to the police, as a result of which no criminal case was initiated;
• movement not on roads (for example, a car went under water while driving on the ice of a lake);
• making changes to the design of the machine without approval from the traffic police;
• theft of wheels or other property located inside the car;
• the damage was caused by a machine malfunction;
• loss of a vehicle as a result of its confiscation by court decision.

What to do when an insured event occurs is a logical question for every CASCO policy owner. When concluding a contract, the company manager is obliged to explain to the policyholder his rights and obligations, as well as the procedure for action in the event of damage. The procedure depends on the nature of the insured event:

• If an accident occurs and, according to the terms of the contract, it must be formalized, it is necessary to call the traffic police inspectors, and then receive from them copies of procedural documents. When you are a victim of an accident, it is better to apply for compensation under the MTPL of the culprit, which will allow you to avoid increasing the tariff the next time you apply for CASCO.
• If the car is damaged by unauthorized persons or stolen, you must call the police.
• When it comes to a vehicle fire, emergency personnel must be involved. After extinguishing the fire, they issue a conclusion about its causes. In case of arson, the police must also be involved.
• Damage due to weather or natural disasters must be certified by the local weather service.
• The insurance company must be notified of the fact of damage in accordance with the deadlines specified in the contract. This usually needs to be done within three business days.
• After submitting documents for compensation, you must provide the car for inspection and damage assessment. Repairs cannot begin until compensation is received.

Required documents

The list of necessary documents, depending on the event that occurred, to receive compensation under CASCO is as follows:

• policyholder's passport;
• application for compensation;
• registration certificate and vehicle registration certificate;
• a valid CASCO policy;
• a copy of the protocol and resolution of the traffic police on the fact of the accident;
• fire report and expert opinion from the Ministry of Emergency Situations;
• resolution to initiate a criminal case from the local police department;
• certificate from the weather service about unfavorable weather conditions.

Application for compensation

An application for compensation can be written in any form or filled out a ready-made form provided by the insurer. The document must contain the following information:

• name of the insurer, full name head of the department;
• FULL NAME. the policyholder and his registration address;
• request to compensate for the loss;
• description of the event that caused the damage;
• participants in the incident if there was an accident or encroachment by third parties;
• nature of damage;
• list of documents attached to the application;
• bank details of the policyholder if compensation is expected to be paid in cash.

The application must be written in two copies: keep one, and give the second to the policyholder, noting the time of its delivery from the secretary or manager of the company. This will help in the future, if necessary, to prove that the application was actually provided to the policyholder on a given day.

The policyholder should find out in advance how to file an insured event to receive compensation, so that after the occurrence of an unpleasant event, they can correctly draw up and collect all the necessary documents. If the damage was sustained while the car was moving or parked as a result of a collision with another vehicle, then traffic police officers must be involved in the process of registering the incident. A copy of the protocol and resolution must indicate the types of violations of the guilty party that caused the collision.

Illegal actions of third parties, falling of heavy objects, damage to a car by animals, damage as a result of natural phenomena are recorded by employees of the local police department. The facts of fires are within the competence of the Ministry of Emergency Situations, and if arson is detected, they themselves will notify the police.

Immediately after the occurrence of an insured event, it is advisable to photograph the scene of the incident and write down the contact information of eyewitnesses.

The protocols and resolutions of the traffic police or police department must indicate:

• date, time and place of incident;
• vehicle identification data – license plate number, VIN code, make and model;
• owner details;
• circumstances of the incident and description of the damage.

When filing a statement with the police, it is very important to avoid the wording “I have no complaints against anyone, I applied for a certificate only to record the damage received” and “the damage received is insignificant.” Based on such testimony from the victim, police officers may decide not to initiate criminal proceedings, and this will become a reason for the insurance company not to compensate for the damage.

Damage compensation procedure

Payments under CASCO, depending on the contract, can be made in cash, or the insurance company will issue a referral for car repair at a specialized service station. The deadlines are not established by law, so they must be indicated in the text of the contract (approximately 15 - 30 days). Only in case of theft, compensation will have to wait for two months, if during this time investigative measures do not lead to a positive result.

Compensation if there is a franchise

The cost of a CASCO policy hits the pockets of motorists, so many people take out insurance with a deductible in order to save money. In this case, part of the cost of eliminating the damage must be borne by the policyholder. The higher the deductible, the lower the price of the policy. The motorist must decide for himself which part of the expenses to pay at his own expense.

Sometimes insurance companies, under various pretexts, try to underestimate the amount of CASCO payments in the hope that the client will not challenge their decision.

If you disagree with the amount of compensation received, the policyholder has the right to conduct an independent examination and demand to pay the difference in pre-trial or judicial proceedings.

If the court takes the plaintiff’s side, the insurance company will have to not only compensate for the damage in full, but also cover the costs of its client for the examination.

In some cases, insurance companies look for reasons to refuse compensation. For example, they may refuse when the person who damaged the car is not identified. In this case, the insurance company loses the opportunity to present its financial claims to the direct culprit and regards this fact as a basis for refusing to pay damages. The court will help resolve the situation.

Conclusion

In order to minimize the likelihood of refusal under CASCO, you should carefully study all the clauses of the contract, and clarify any unclear points with the manager of the insurance company. The vehicle must be used only for its intended purpose, provided with a reliable alarm and security system. You must notify your insurer of your intention to travel outside Russia in your car and purchase an additional policy.

List of insurance cases under CASCO: video