red tape and a long wait
Posted: Tue Dec 17, 2024 5:35 am
no one admits responsibility for the incident;
incorrect design;
the owner did not provide the vehicle for examination;
one of the drivers does not have a license;
the person at fault in the accident was drunk or under the influence of drugs at the time of the incident.
Sometimes the company delays the transfer of funds for a while, in other cases the refusal will be final. The insurer explains the basis for the refusal, how to correct errors in the application.
If you disagree with the company's decision, file a claim with the director of the institution. In the claim, note that the policy was purchased legally, the validity period has not expired, and the company is saint vincent and the grenadines business email list obliged to pay compensation under it. Claims are considered within one week. If there is no response, go to court.
What if the person at fault in an accident does not have an MTPL policy?
The law prohibits using a car without a civil liability policy. A driver who gets behind the wheel without "autograzhdanka" will be fined 800 rubles. If you drive without accidents, the price is low, even if you are caught for this violation 2-3 times a year. But if you are the culprit of an accident, you will have to compensate for the damage out of your own pocket: car repairs, treatment of the victim if he is on sick leave. Through the court, the victim can obtain compensation in excess of 400 thousand for repairs, as well as compensation for moral damage.
The court will calculate the amount of compensation without taking into account the age of the car - the person found guilty will pay for the purchase of replacement parts at the price of new ones. Insurers use the services of partners - services, suppliers of spare parts, the cost of repairs for them is cheaper than private repairs.
What other expenses.
incorrect design;
the owner did not provide the vehicle for examination;
one of the drivers does not have a license;
the person at fault in the accident was drunk or under the influence of drugs at the time of the incident.
Sometimes the company delays the transfer of funds for a while, in other cases the refusal will be final. The insurer explains the basis for the refusal, how to correct errors in the application.
If you disagree with the company's decision, file a claim with the director of the institution. In the claim, note that the policy was purchased legally, the validity period has not expired, and the company is saint vincent and the grenadines business email list obliged to pay compensation under it. Claims are considered within one week. If there is no response, go to court.
What if the person at fault in an accident does not have an MTPL policy?
The law prohibits using a car without a civil liability policy. A driver who gets behind the wheel without "autograzhdanka" will be fined 800 rubles. If you drive without accidents, the price is low, even if you are caught for this violation 2-3 times a year. But if you are the culprit of an accident, you will have to compensate for the damage out of your own pocket: car repairs, treatment of the victim if he is on sick leave. Through the court, the victim can obtain compensation in excess of 400 thousand for repairs, as well as compensation for moral damage.
The court will calculate the amount of compensation without taking into account the age of the car - the person found guilty will pay for the purchase of replacement parts at the price of new ones. Insurers use the services of partners - services, suppliers of spare parts, the cost of repairs for them is cheaper than private repairs.
What other expenses.