How to get insurance

Casco Insurance will make compensate for losses if the trouble has happened to your machine - damage as a result of accidents or natural disasters, theft of individual elements or hijacking. To receive insurance compensation will not be difficult if you will be responsible for all stages on the way of obtaining insurance.

Examine the Casco Contract. Sometimes car owners conclude a contract without reading the conditions. Specify which situations are insurance and how the insurance company pays compensation.

Some insurance companies allow one to pay non-essential damage to cars without registration of the protocol in the traffic police. This is a small fixed amount or percentage of the sum insured. But there is a nuance here - if you have incorrectly determined the amount of damage and when calculating the cost of repairing the insurer, the designated limit will be significantly exceeded, you may refuse to pay.

Upon arrival of traffic police officers do not wait for the execution of the protocol aside. Make sure that all the circumstances of the event are reflected in the document and all external damage to the machine are recorded. Of great importance is the mark that there are hidden damage. Without this entry, insurance may refuse to replace parts not specified in the protocol.

Upon receipt of documents, check the indicated data on correctness - whether the date and place of the incident, the name of the participants of the accident, brand of cars, registration signs, contact details are indicated correctly.

Send into the insurance package of documents. The list of different companies may differ, but usually included:

Protocol (certificate) decorated by a traffic police officer;
TCP, certificate of registration of the vehicle;
Applicant passport;
The application that is filled in when submitting documents;
Casco Polis;
Receipt of payment of the next insurance premium;
Statement of collateral - for the credit machine;
The key and keychain of alarm system - with hijacking.

The traffic police certificate and statement are provided in the original, other documents - photocopies. Take the insurer to receive a complete set of documents.

Provide a car insurer to inspect. Make sure that all the identified damages are specified in the inspection act, as well as the mark of hidden damage. Based on the act, the amount of repair will be calculated.

Get insurance compensation. Depending on the terms of the CASCO contract, the reimbursement is possible by different options:

The insurance company itself pays repair in the service station selected by you from the list by the insurer.
The insurance company lists the calculated amount of compensation to your bank account, the car service you are looking for yourself.
You choose a car service at your discretion, receive an account for repairs and give it to insurance for approval. Pay the bill, and at the end of the repair, the insurer compensates for your costs.

If you do not agree with the calculated amount of compensation and you can confirm its bias, feel free to contact the court. Practice shows that the courts more often support insurers, not insurers.