Insurance of civil liability. Claim to the insurer (insurance)
You suffered and contacted the insurance company in order to compensate damage for you. You expressed desire to receive money for insurance, representatives of the insurer examined your vehicle and called and offered a certain sum of money or didn’t even call, but sent SMS. What should you do? Should you agree with the offered payment? Should you tell the account number? Maybe you think, that they calculated too little. Maybe they already have paid and sent the documents, confirming payment.
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KNOW, that disagreeing with the payment, offered by the insurer, you can execute your own independent assessment of damage and write a claim to insurance company.
Basis for writing of legal claim is disagreement with the insurer’s position because of execution or inadequate execution of its obligations, an assessment of the size of damage and inadequate or only partial compensation of damage according to the contract of insurance. The assessment of damage, independent of insurance company, can be based on several sources or even several techniques of assessment, making a legal claim, addressing to pre-judicial and legal institutions for legal protection. The first step – drawing up a legal claim to insurance (insurer). It is possible to challenge the calculated amount of damage by insurer, making the reasoned claim and listing, what procedural violations were made by the insurer’s representatives, assessing damage, done to the vehicle. It is necessary to pay attention to criterion of compliance of the size of damage and compensation of damage. But don’t be afraid to ask questions in insurance company, it should explain damage assessment methods, factors, by which it was guided and why calculated such an amount of damage. Disagree with such answers at all, as: “our program doesn’t count such damages, and what sum would satisfy you and etc”. The answer has to be clear, concrete and argumentative. Were there ambiguities? Ask, we will provide the most important information for you FREE OF CHARGE or we will help to prepare necessary documents.
The assessment of damage, independent of insurance company, can be based on several sources or even several techniques of assessment. It is especially actual, if the vehicle is distinctive and unique in the local market of motor transport. When the same or similar analogs are practically not present or very little. In other cases, as a rule, it is enough at least one reasonable proof or only the reasoned claim. For example, the insurer for same according to the destination or even appearance auto parts counts various insurance payments though it is obvious, that the damage is done adequately the same. In this case even special knowledge isn’t required. You can write such claim.
Along with a legal claim it is always recommended to provide the report of the car expert, independent appraiser of cars, conclusions of the specialist of cars or at least the estimate of car from auto repair service (s).
Ask, we will provide the most important information for you FREE OF CHARGE or we will help to estimate previously expenses and to make the decision on expediency of dispute with insurance company.
DAMAGE ASSESSMENT. Casco insurance
Unlike obligatory insurance of civil liability this insurance is voluntary insurance of the vehicle. What is it worth knowing and what people, having Casco insurance, do not know sometimes? The damage of deformation character to the vehicle is not necessary in order to apply for insurance payment or even on car repairs on the basis of the contract of Casco insurance (exceptions can be depending on conditions of the signed contract). Sometimes people don’t attach significance to damages of door near shopping centers or in completely filled yards, but it is also the damage and cost of your car decreases. We know, that people don’t contact the insurer because of damage assessment as then the insurance company will increase a contribution next year. Do you believe, that it is the truth? Do you believe, that all insurance companies will do like this? Then it has to be included in terms of the contract of insurance. Ask, that at least one broker would confirm in writing this thesis. Probably, there will be no such. If you really abuse, then risk factor can be taken into account.
General council. If you acquired a product, use it. After all you don’t buy a bed in a bedroom not to sleep on it.
Assessing damages on Casco insurance also there are some nuances, when refuse to assess damages according to obligatory insurance of civil liability and demand, that you would use the Casco insurance protection. If you got to similar or other not clear situation and you don’t know, how to behave, ask.