To break your motorcycle can everyone - from the "makers" on creditwhere to the worker on the bus. To repair the damage, according to the letter of the law, is called CTP, for which each of us pays not the smallest money. Let's talk about what pitfalls there are in receipt of compensation for damage to property, and how to get around them.
In order to achieve justice, it is necessary not only to persist in calls and visits, but also to be scrupulous in the posting of the boxes in the documents. Obtaining damages to property after an accident can be a combination of several options: obtaining from the insurance company (hereinafter the SK) of the perpetrator; obtaining from the perpetrator of the damage exceeding the limits of the OSAGO; obtaining damage from the perpetrator to the perpetrator of the Civil Liability Policy (DPP); obtaining harm from the perpetrator in the absence of OSAGO. The most common option is to get money from the blame. Since March 2009, the victim may apply to his insurance company (where he bought the OSAO) if there were only two participants and no health victims. In other cases, you must contact the culpriate. So, you've got all the documents from the HYDRA, the guilt of the second participant, the certificate of damage to the property. (Be careful: Help from HYDRA must be signed and printed.) Then you are going to the insurance company (I recommend that you call first, as some take on the record). Take all the documents: accident notification, policies, receipts, motorcycle documents, rights, passport, help, power of attorney, if there are receipts for the tow truck and cash transfer details. I remind you that if the damage to you is set at RUB 25,000. , you don't need help from the HYDRA, you only need a properly filled accident notification. In the insurance company, take the act confirming the date of transfer and the title of the documents provided. This will be insurance for the loss of documents by non-broadcast employees. If the motorcycle is on the move, it is possible to visit it for inspection (otherwise the expert will leave) if something else is affected, it is necessary to take the property with them to be inspected. In the UK you will be offered "independent expertise", from which you can withdraw and apply to truly independent. The UK will have to make a calculation, but most likely will not pay for the cost of carrying out the expertise. The expert is better able to find common ground, show him all the damage, to give it the details, to recall that according to the technology of the manufacturer, any details of the motorcycle are to be replaced only and there is no painting or repair. Unfortunately, the evaluators are not always aware of the nuances of motorcycle repair, so be careful. I have seen the calculations that specify the repair of the petrol tank, although for fire safety reasons, any damage to the gas tank is replaced by this part. It's also a series of damage assessment "on average at the hospital." This is the real case of the practice of the "Moto" edition: details of the one-year-old Malaguti Madison 250 was assessed by the price list from the Chinese scooters, getting the amount of compensation 3.5 times less than necessary. The other thing is not new motorcycles. For the CICL, the cost of the "killed" sites and parts is calculated on the basis of the wear and tear on the special formula that can be found on the Internet based on the distance and the year of the TC release. The hours are laid based on average service hours in services in the region. But the depreciation rate cannot be more than 80% even if you have grandparent Ural with a mileage of 500,000. km on the speedometer. There is also an entire list of spare parts that are not taken into account (parts of the braking system, some refraction elements and so on). In some cases, the insurance company even under the OSAGO may offer repairs on a common service, as large companies have their partner services and the cost of repairs to the UK on them is significantly lower, but it is unlikely to be offered on a motorcycle. Under the law on OSAGO, the insurance company is required to pay damages within 30 days of the provision of all documents. Do not let yourself forget the UK-than you are more insistable, the quicker you get the compensation. In the case of a number of victims, 160 000 rubles will be received in traffic accidents. are going to be divided, and who used to be, that person will get the compensation, and the others will get the blame. Few people know that at the request of the victim, he may receive an act on the insurance case from the SC-the conclusion of an independent expert examination, if the calculation made an expert examination in the direction of insurance. When you receive a calculation, you can verify that all the defective parts are in use, whether wear and tear is correct, and whether the manufacturer's repair technology is in use. If something is wrong, write a claim with details of the deficiencies, well, if the order of the dealer is attached as an argument, there are often trivial errors in the calculation due to the peculiarities of motorcycle repair and the low qualification of experts. If you were not insured in the first "gazelle" about the HYDRA, your agent or broker, who is interested in maintaining his client, will help you; many of them have contacts with the UK's management-and the levers of pressure, such as reducing the volume of newly issued policies or abandoning the partnership completely. I have experience of helping my clients get money from insurance, even with big financial problems. I had to go to the CEO of one of the companies, make a couple of times without an invitation, and then remind me to call my cell phone a few times a day, and soon it became clear that we wouldn't leave, and we'd better pay them as soon as possible. Sometimes it was necessary to refuse to cooperate with insurance companies after inadequate action with regard to my clients. This season there was a sharp increase in the cases of failure to pay the motorcyclists on the OSAGO. The reason is the initiative of some UK, whose leadership hopes that not everyone will go to court. So always be prepared for the worst-that is, "awake" in court. In the event of a violation of the time frame before the courts, write a complaint to the FSFR (Federal Financial Markets Service), which supervises the insurance companies and the RSA (Russian Union of Motor Insurers) with the application of the documents and detailed the essence of the problem. These organizations have leverage over insurance companies and the issue is being addressed. Write a pre-trial claim to which you will attach copies of these complaints. In the end, the good news. According to st. 1 p.m. In case of delay, two federal law on OSAGO starts to be charged at a rate of about 128 rubles. for the day of delay, regardless of the amount of damage caused.