Payment - the most painful part of the relationship with the insurance company. Just because the payments can not wait for. Ideally - by law - you will have to wait for compensation for a maximum of 15 working days from the date of application and submit all necessary documents. The countdown starts when you give the final paper, but you are not obliged to submit all the documents - the rules allow installment.
After submitting your application within five working days of your car is subjected to review. From the decision of a commission of experts directly depends how much you get, so if the insurer to put the law for not udosuzhilsya assess the damage, then you may require examination «at home», or giving the car insurer.
When 15 days have expired, but «Herman all there», you may send a pre-trial claim. Remember that the delay time due to the fault of the insurer carries additional compensation, which should be required, regardless of the amount of payments. Pre-trial claim is forwarded to the insurance company, a copy - in the Russian Union of Motor (SAR) and the Federal Office of Insurance Supervisors (FSNN). Usually, it helps resolve the issue, but if the money you have not waited for - send directly to the court.
There is originality and the other scenario. Suppose you received an insurance amount, only an order of magnitude smaller than stated in the expert report. The insurer will be absolutely right, if not an expert said the percentage of wear of the car. And it is not right, if it is to adjust the expert, for example, about the need for repair work. Otherwise, why, asked the experts needed!
Amendments «independent evaluations» - not uncommon, and one method of struggle - the court. However, you must first try to resolve the issue peacefully, and pre-trial claim to the insurer.
Unable to obtain justice? Send a lawsuit - or the insurance company, or the perpetrator of an accident at his place of residence in order to recover the difference between what exists and what should have been. Practice shows that the culprit is easier to get money.
If the insurance company is unreasonable to refuse to pay, there is a need to deal directly with the insurer. The algorithm of action is the same: pre-trial claim - a statement of claim in court. Only the first is necessary once again to examine carefully the rules of insurance your insurance company - perhaps your «typical» event was not considered. Then, count, crying your money.
