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Insurance policy allows you to get compensation for damage in case of accident and theft of a vehicle. However, if the theory is simple - enough to fix the damage and apply to the insurer, in practice Motorists may encounter unforeseen circumstances. Consider a few examples of fairly disputes. Example number 1: unreasonable expectations

After the accident the insurance company conducted the calculations by which damage estimated at a much lower price than you expected. This happens for several reasons, first of all, take into account the wear replacement parts, second, taken as a basis the average market price of spare parts and repair service operating in a particular region (Ubezpieczenie Olsztyn). What to do?

The first step is to seek independent experts who will conduct a thorough examination. If the expertise to assess the damage in a serious amount, you can go to court. If a positive decision all the costs of the procedure compensates for the insurance company. Obviously, for your protection, you should choose a professional firm that has experience of similar work. Example number two: the policy - the key to confidence

You become the owner of a new car, but buy hull insurance policy had not yet. Then you get into an accident, but the culprit is not CTP. This is one of the most common situations today: motorists often do not attach great importance to purchase insurance policy, and in fact it can solve many problems. What to do?

If fault motorist is obvious, then the difficulty is minimal. Insuring third party liability, the company takes care of all of reparation, even if the policy is lost. If the relem sat car owner, or do not fit into the policy people, the insurer may apply recourse. This means that the culprit must reimburse the amount it paid for the insurance case. Also among the grounds for recourse following circumstances:

The accident occurred due to the intent, The driver was drunk or drugged, The culprit fled the scene, Insured event took place in the period not covered by the policy (the policy has ended.)

Example number three: Waiting for an answer

You have filed all the necessary documents to the insurance company, but the solutions have not yet received. The company carries a date, make a determination on your case. Typically, the insurance companies are trying to create the most comfortable conditions for cooperation, allowing quickly resolve disputed cases. However, there are exceptions. What to do?

Try to find out the situation first at a particular company: write a complaint to the Director General of the company, specify your requirements and indicate the date of payment. If the answer is still not - feel free to contact the court. According to the Law on CTP for each day you may require payment of a penalty in the amount of 1/75 CBR refinancing rate of the amount of damage. Example number four: the attention to detail

Getting help from the traffic police does not contain information on the details that have been damaged, according to the conclusion of the service center. Thus, the insurer is to reimburse the cost of replacing these parts. What to do?

There are two options:

When it comes to hidden damage that can not be detected without the use of specialized equipment (eg, stand similarity collapse), damages are recoverable, If there are any external damage, dents, scratches, cracks, not recorded by the traffic police, it is likely to be denied compensation. This is connected with the fact that there is a risk of misuse of funds received from the insurer before, in earlier accidents.

Example number 5: Evroprotokol - pros and cons

In the event of an accident victim's vehicle owner assessed the damage, notification of accidents are prepared on the spot, in the absence of traffic police. Subsequently, the insurance company paid the amount of damage, but the service center in detecting hidden damage put well over the amount of compensation. What to do?

The settlement of an insurance case without calling the traffic police called Evroprotokola mechanism, it can be applied only if the parties have established accident culprit and agreed to the amount of damage within a 25 000. Thus, the maximum co-payment will be just up to that amount. Simplified design accidents (Evroprotokol) subject to the following conditions:

The accident involved only two vehicles, both drivers are no signs of alcohol or drugs, effects of drugs, Damage is caused only property Participants agree with the description of the circumstances of the accident.

Example number 6: If the wheel was empty

In your car crashed car, which was empty. This is possible if the vehicle has been put on the handbrake, or the device does not work. The participants of the accident paperwork and sending the necessary information to the insurer. The company said the amount of compensation, but the victim, without waiting for the transfer of funds, vehicle repaired at his own expense. What to do?

Do not put the car on the parking brake did not control or faulty mechanism, the car owner violates the rules of operation of the vehicle. Consequently, he is fully responsible for the damage. In the case to court, the decision will be made in favor of the insured. Example number 7: some errors

Being denied compensation on the basis of errors in the policy, for example, contains incorrect VIN-code. What to do?

Error in the VIN-code does not prevent the identification of the car, so can not be a ground for refusal to pay. However, if the policy is not valid number units or admitted any errors, complicating the identification of the issue should be resolved in court. To avoid further problems, it is recommended to carefully check all the data that you provide when you make an insurance contract. Example number eight self buying parts

You received from the insurance company for repairs to the direction of an authorized dealer, but it has delayed delivery of necessary parts. Because you need to have parts available for sale, you want to buy them at his own expense, to convey to the service center and then get the money from the insurer. What to do?

Rather, in compensation for the costs you will be denied. The reason is quite obvious: the direction of the repair involves the provision of a range of services, including the purchase of spare parts. In addition, the parts purchased by the customer, dealership can not give a guarantee.

There are many conflicting situations, the resolution of which may require both financial and time costs. To your interests are always protected encouraged to cooperate only with reliable insurance companies. Specialists always ready to advise you on any issues of the settlement of insurance claims.

We provide the opportunity to purchase an insurance policy on favorable terms in a reliable company and get expert legal support in solving disputes.