Are you a participant of accident on the road? All formalities behind and all necessary documents executed, according to the norms of law? The expert of insurance company already has all documents and examination is conducted? It would seem, that all terms are observed, what’s next and how long to wait the transfer of money? The machine isbroken, you want to repair immediately, but you would like to know, for how an insurance company must recover to you a damage?
What does the Law of Ukraine say?
Every victim expects to get quikly the treasured payment: in practice separate insurance companies without ambages compensate a damage, other insurers intentionally tighten time and does not hurry to translate the money to you or refuse to pay a complete sum. The basic terms set by Law are:
- Payments by agreement of OSAGO. A legislation obligates insurance companies to accept a statement for the concordance of insurance compensation during 15 working days from the moment of accident. Then, an insurance company must make a decision, about the sum of payment or to say no in payment on reasonable reason during 90 days from the moment of receipt of notification about an accident. During the same time the injured in accident person have to get money. If finances do not enteron your account through fault of insurer, you can count on a fine that is paid for every twenty-four hours of expiration.
- Payment by insurance agreement of КА Procedure of calculation of compensation on voluntarily insurance includes the submission of documents, examining, consideration of affair and decision-making. A process occupiesup to 30 working days, after you get an act where is indicated the sum of payments or argued refuse.
How to get a money compensation from an insurance company: algorithm of actions
To did not stretch procedure of payment on months, and to get money quickly and without difficulties the lawyers of Insurance Concierge recommend:
- after road traffic accident don’t do anything with a machine before arrival of traffic inspectors : don’t change her location, don’t take away fragments;
- notify a road patrol about an incident, exchange with the second side of incident contacts;
- take from the representative of police a certificate about the credible culprit of accident on a form 748 or 154, write down data of employee of Police;
- call an insurance company, give protocol from the scene of accident, documents on an auto and number of bank card, where compensation must be enumerated;
- coordinate the day of examination of place of accident and auto with the experts of insurer;
- wait till decision of insurance company, if you are not satisfied by the size of payments and you do not agree with reasons of opponent – apply in a court.
Register all statements and reports of insurance company. A consultant have to name the date and incoming number on all given documents. If during specified by a law 10 days the appraisers of insurer did not appear, the injured person had a right to do own examination. “Insurance Concierge” will help you to carry out independent own examination adequately and operatively.
Law is on the side of the injured person, it is needed only to interpret him correct, and you will get a necessary sum from an insurer, to compensate expenses on repair-restoration works. Take into account, than more solid reputation has an insurance company, the quicker a money compensation will be enumerated to you, and small companies can detain payments a few months.
The specialists of our company will conduct all necessary events, will collect an evidential base and will professionally protect your rights in insurance argues.
