Documents for insurance

Insurance provides compensation for losses caused by different circumstances. In terms of insurance, two parties are involved - a firm providing services and customers - legal entities and citizens. Insure you can life, health, property, risks, responsibility. The payout fund is formed on the basis of participants contributions.

Reimbursement of insurance occurs when an insured event occurs. It is prescribed in the insurance contract and determines the type of insurance. The Law on Insurance of the Russian Federation describes 23 subjects of insurance and provides for others enshrined by federal laws. What papers are needed to recover insurance compensation, about this below, in our article.

1

Documents required for payments

They can classify them:

1. On general - provided in any case;
2. Depending on the type of insurance.

They also depend on the insurance entity - he is a physical or legal person.

General documents

1. Written appeal to receive compensation;
2. Conscribing:
   For citizens - the passport of the insured;
   For JUR Persons - Charter (1 and last pages confirming the rights of managers), registration certificate and formulation in the tax office for accounting, the appointment of the head, excerpt from the Incorption, Inn, for the attorney - the power of attorney and a copy of the passport (1 and last pages );
3. Insurance policy;
4. Original court decision on the payment of the sum insured;
5. Settlement account number for money.

Next, consider what additional documents are needed in the most common insurance cases.

Document (2) (17)

2

Osago

This is the insurance of the responsibility of transport owners (does not apply to rail). It is mandatory. To obtain compensation, it requires:

• Driver's license guided by the vehicle victim;
• Vehocport of both participants of the accident;
• Certificates of car registration (for each participant);
• Paper for the right of ownership of damaged property (if the loss is not only shipped).

All documents are copies.

For the organization (Jurlitz), the travel sheet of the driver appointment is additionally necessary.

3

Compensation for the harm of the life or health of citizens

1. Certificates # 31, 12, 154;
2. Protocol on the administrative administration;
3. Decision on the case;
4. The protocol and the decision replaces the definition of the refusal to excite the administrative administration;
5. Receipt issued on the admin penalty;
6. The concluding paper is a sentence, a court decision, a decree on refusal to initiate a criminal case.

All papers, with the exception of certificates, sentence, court decision, refusal decisions - copies certified in the traffic police. Exceptions can be presented both in the original and copies.

4

Lost earnings as a result of injury injury

• Honey concluding about the birth of injuries, their complexity, the period of rehabilitation (inoperativeness);
• Resolution honey examination on the degree of performance loss expressed as a percentage;
• Information on average monthly income at the time of what happened, over the past year;
• If disability is established - the document is confirming;
• Copies of disability leaves, confirmed by the employer, indicating the payments for temporary disability.

5

Costs for treatment

1. Exposure from the honey of the institution about prescribed by the physician drugs;
2. Checks, receipts on payment of services clinic, confirmation of the cost of buying drugs, payment of prescribed manipulations, such as massage.

6

Loss of the breadwinner

1. A statement, indicating the deceased persons who were previously held;
2. Certificates: about death, the birth of children, marriage;
3. Proof of disability, if the deceased contained a person with disabilities;
4. If the child is from 18-23 years old, studying in full-time - a certificate from the educational institution;
5. If there were persons who require care - confirmation from the organs of custody, honey institutions;
6. If compensation under the contract should receive a guardian - confirmation of its guardianship;
7. Permission from the guardianship authority to transfer cash to the account of the guardian;
8. Troubleshooting on the content of the deceased in the life of a particular circle of persons.

Listed the most frequent insurance cases and necessary paper to receive payments on them. When insuring, with your copy of the signed agreement, the insurance company is obliged to issue the insured monument. It is step-by-step described actions when an insured event occurs, the procedure for receiving the payment, incl. The list of documents required for this.