Advertising and slogans of insurance companies meet us at every step. Almost all of them guarantee the blessing to the client - insure and calmly live. Where is the goodwill and friendliness, when the insured is trying to honestly pay damages after an accident? As a rule, the procedure for obtaining money on the policy is associated with a mass of lost time, finance and nerve cells. In addition, insurance companies are always trying to leave free paths for retreat, making up a contract. But we will explain to you how to behave after the accident so that the insurer did not have the reason to refuse you.
1
The main requirement of insurance is a timely message about the happening accident. Otherwise, the insurance company has a legal basis to refuse to pay you. There is no need to pull the time. If a nuisance and happened, sign up to this immediately.
2
No way, do not change the position of cars before the emergency commissioners and traffic police arrived. Even if they interfere with the normal movement of other vehicles. If you break the surroundings of an accident, you expect the following consequences: the inability to restore the picture of the incident, the lack of evidence of your innocence, conflicts with the insurance company, the accusation of insurance fraud.
3
There are cases when moving the machines are still necessary. In this way, it is possible to issue an accident without the presence of the employee of the traffic police. It is necessary to draw a circuit of the incident, take signatures of all interested parties and take the scheme to the nearest department of the traffic police. As a result, employees will give you a certificate of incident. This option is possible only in the case when only iron is damaged, and the opposite side has no complaints.
4
Call traffic police or consult a police if you are not afraid to lose rights. Alas, this is necessary in any case. Even despite the fact that the insurer can confine you in the opposite. Sometimes they work for themselves. In some cases, CASCO provides insurance payments without a certificate from the traffic police. But only in the time when the damage does not exceed 10-15% of the amount of insurance.
5
Considering the fact that the employees of the auto inspection are massively selected for the creation of emergency situations on the roads, some drivers prefer to go tricky through. They agree on the spot with the opposite side and drive the damaged car to the parking lot at the supermarket. Further refer to the statement that the car is damaged by unauthorized persons. The problem with unnecessary issues of the police is solved by a bottle of brandy or the like.
6
If you still called traffic police, but they don't ride for a long time, call the emergency commissioner, so that he recorded the scene and put the signature. Similar "Commissioners" can be both employees of the insurance company and independent experts. Invalid not worth reminding that the commissioner from the insurance is not the best assistant. He will definitely find a number of important reasons why you will not get your pay. From their services, it is not possible to deliberately refuse, in order not to cause unnecessary suspicions, but not to insist.
7
In no case, do not refuse a medical examination. Do not think to recognize your guilt and give up complaints about the opposite side. Do not shift the medical inspection for the presence of blood alcohol. All these factors can not play your favor.
8
If the insured person correctly performs all actions, then the CK cannot be no reason for refusing. But there are situations where insurers refuse their obligations or delays the payment of funds. So it's time to act radically. Write letters, not communicate with the insurance company. In this case, the SC will not be able to refute the fact that the appeals took place. You can also terminate the contract. By law, you will receive money for the remaining period. You do not get refunds for an accident, but you will return the car repair facilities. Contact the court. Most cases are permitted in favor of the client. Or refer to the insurance company by the method of application to the State Commission of Regulation of Financial Services Markets.
Whatever the situation is turned on on the road, do not try to smoke hot. Then it will be very hard to prove that you acted in a state of affect. And the insurance company will take advantage of your inexperience in personal interests.
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