Is it possible to receive CASCO payments without certificates from the traffic police?

One of the documents required when receiving insurance payments is a certificate from the traffic police. But, for various reasons, it may not be issued: for example, a State Traffic Inspectorate employee hurried to an urgent call, or the motorist himself did not want to waste his time after a minor accident. In any case, the car owner is faced with the question of whether it is possible to receive CASCO payments without a certificate.

Why do you need a traffic police certificate?

A certificate from the traffic police in form F-154 is needed so that the insurance company can begin considering the driver’s application for CASCO. This paper indicates basic information about the accident: circumstances of the incident, participants, etc.

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The certificate is issued directly at the scene of the accident by a traffic police officer (his data is also recorded). He must issue it without fail (there are exceptions, but more on that later). Subsequently, the paper is transferred by the participant in the accident to the insurance company along with the main package of documents.

After receiving the certificate, the driver must make sure that it contains only reliable information about the accident. Even if there are only slight distortions, it is advisable to clarify them with a traffic police representative.

If payment is not made on time

Now, having received a receipt from the insurer for receipt of the papers, you can simply count down the allotted period for receiving compensation and receive insurance in one form or another. To be more confident, you can visit the insurance company once or twice a week and remind them of themselves.

If the payment was not made on time, then under no circumstances wait and do not get your hopes up. They are obliged to do this within the time period established in the rules or send the car owner a reasoned refusal. If neither of these things happened, take a piece of paper, write a claim and take it to the insurance company, and later to the court.

Remember: insurers treat the client as he puts himself at the very beginning of the dialogue. Therefore, study the rules of insurance and we wish you no nails, no wands, no insurance events!

Registration of a certificate for CASCO insurance

So, the form indicates key information about the accident, the details of those involved, the damage caused, as well as the title, name and telephone number of the inspector. He will have to put his signature.

A traffic police representative can refuse to issue a certificate from the traffic police for CASCO insurance only in three cases.

• The vehicle had to be evacuated as soon as possible.
• The traffic police officer had to go to the scene of another incident and did not have time to complete the filling.
• The vehicle was needed to provide assistance to the victims.

In all of the above situations, the paper must be issued within 24 hours of the accident. Therefore, it is necessary to clarify in advance which branch the issue will be carried out.

If the inspector evades, refers to the lack of forms, etc. - his actions are illegal. In this case, you can file a complaint with his superiors.

Payments under CASCO without a certificate from the traffic police

If for any reason it was not possible to obtain a certificate from the traffic police, you must proceed as follows.

1. The first thing you need to do is check your CASCO insurance contract. Quite often, it indicates possible situations when paper from the traffic police is not required to receive compensation.
2. Next, you need to make sure that the consequences of the accident actually fall under the terms of the contract. If this is the case, then you can move on to the next point.
3. It is necessary to contact the Insurance Company office with a package of necessary documents and clarify whether receiving compensation is really possible.
4. The company will conduct an examination, and its representatives will be able to say with certainty whether payments will be made.

If the certificate was simply lost by the driver, then you can take a photocopy of it from the traffic police department. The document is drawn up in two copies, so there should be no problems with this. For issuance, you need to take your passport with you. The validity period of a certificate from the traffic police for payments under CASCO is not limited, so there is no need to worry about it.

As already mentioned, sometimes an agreement with an insurer allows for the provision of payments without a certificate from the traffic police. However, this possibility is often limited by the maximum amount of damage. A list of specific injuries may also be highlighted. Most often it includes:

• Damage to glass elements (a sunroof usually does not apply here).
• Damage to only one body element or two adjacent parts (the bumper may not be included here).
• Damage to paintwork.

Sometimes insurance companies indicate an additional condition that compensation without a CASCO certificate can be paid only once in a certain period of time (most often once a year). This also needs to be taken into account.

How to file an insurance claim without an accident under CASCO to receive compensation for damage

If your car is damaged, you need to collect evidence of what happened and contact the insurance company to notify about the incident. The treatment procedure must be as specified in the contract. How to use CASCO correctly without an accident is described below.

Deadlines for applying

The period within which an application must be filed with the insurance company is usually specified in the contract. In most companies it is three days.

It is important to provide information to the Investigative Committee as soon as possible. The delay may be interpreted by her as a desire to take advantage of the delay to hide the circumstances of what happened.

In order to send a damaged car for examination, five days are allotted. The insurer may independently extend the period during which you can contact the insurance company. This is usually due to the following circumstances:

• not all documents have been collected;
• mistakes have been made that need to be corrected;
• there are still controversial issues in what happened and additional investigations are required;
• the driver began to carry out repairs on his own without the consent of the insurer, which raised suspicions of an attempt to hide the circumstances of the case.

The deadline for submitting documents starts from the day the company admitted that an insured event occurred.

Application and package of necessary documents

To contact an insurance company, you must prepare the following set of documents:

1. Application requesting payment of insurance compensation.
2. A copy of the driver's passport.
3. A copy of your driver's license.
4. Documents that confirm the registration of the car and ownership of it.
5. The contract with the insurance company is provided in the original.
6. A copy of the receipt confirming payment for the CASCO insurance policy.
7. Documents confirming the occurrence of an insured event.

In case of theft, it is required to provide copies of the application to initiate a criminal case and the resolution to initiate it.

To apply, you can use the form provided by the company. It requires you to indicate the following:

1. The last name, first name, patronymic and passport details of the victim are indicated.
2. Contact details are provided.
3. Provides detailed information about the vehicle.
4. A detailed description of what happened is made, the damage received is described.
5. The remaining essential circumstances of the case are indicated.
6. A request is made for the issuance of insurance compensation.

At the end of the document they put the date of the document, the signature and its transcript. The legislation does not provide for a mandatory form for applying to the Investigative Committee. Typically, each company develops its own application form in accordance with its own requirements.

Car repair

In any case, you need to check all the conditions directly in the contract with the insurance company that issued CASCO. Basic information will be provided here. It is also necessary to check the document in order to ensure its legality in case of refusal by the insurer.

So, the driver must find out exactly what damage can be covered by insurance without a certificate from the traffic police. Typically, insurance companies give a positive answer if the amount of compensation does not exceed 3-5% of the total insurance amount. Sometimes the amount itself may be limited (for example, 15,000 rubles).

The agreement may have additional conditions. Insurance companies refuse compensation under CASCO when two cars were involved in an accident, and the driver of his own free will refused to call the traffic police.

Repair under CASCO and nuances

The greatest importance in car insurance services is the insurance contract and its clauses. You must carefully study its terms and conditions. It is also necessary to clearly understand what damages are covered by the policy, and what situations the company classifies as non-insured events.

The main thing is to identify minor damage that can be compensated without a document from the traffic police. In practice, this amount does not exceed five percent of the total sum insured, and may also be limited to a certain maximum.

The need for a document is also influenced by the subtleties of drawing up accident reports. In case of an accident involving more than two cars, you cannot do without a protocol.

The repair process is completed quickly. You need to contact the insurance company, provide a statement with a detailed description of the damage to the car and the circumstances of its receipt, and then submit the car for examination. After this, you will know whether a supporting document will be needed or whether you can do without it.

Appealing an insurance company's CASCO refusal

The insurance company may well refuse to make payments to the driver under CASCO insurance without a certificate from the traffic police. If the motorist has carefully studied the terms of the contract and believes that the refusal is unlawful, it is necessary to contact higher authorities.

First, you need to contact the RSA and/or the Central Bank (you will need to prepare the same documents as for receiving insurance payments). These organizations closely monitor the activities of insurance companies. If violations are discovered in the activities of the insurer, its license may be revoked. Therefore, if the company is obliged to carry out repairs, the problem will be solved as soon as possible.

If the appeals did not help, and the driver still believes that he is right, it’s time to appeal the decision through the court (although, usually, the matter does not reach this authority). In this case, you need to prepare a written refusal from the insurance company to pay under CASCO, a description of the accident with the signatures of the participants, documents for the car, insurance policy and passport. If the court determines that the motorist is right, the insurer will have to pay for the repairs and also pay a penalty.

Compensation for severe damage to the car

The severity of the resulting defects is determined by the examination. When it comes to receiving a payment under CASCO, it is carried out by an organization (specialist) collaborating with the insurance company.

To ensure that the insurer does not refuse payment, the car owner must comply with the terms of the contract and the Insurance Rules, collect all the necessary documents and promptly contact the company that sold the policy. He will be asked to write a statement in the prescribed form and provide documents. Their list does not differ from that provided for minor damage. We talked about it above, so I won’t repeat it.

A car owner whose vehicle is lost as a result of an insured event will have to go through a similar procedure. This can be not only an accident, but natural disasters, fire, illegal actions of third parties.

In conclusion, I would like to say a few words about the research. In case of significant damage to the car, its owner is entitled to significant compensation. Insurers do not always want to part with such amounts. They use various tricks, including colluding with an expert organization. If you have any doubts about the correctness of the amounts announced by the appraiser, you should contact an independent expert. A third-party specialist will conduct an inspection and issue his opinion.

Possible nuances

There are some seemingly insignificant details that few people pay attention to. However, it is precisely because of such nuances that a motorist may be left without insurance payments. Here are the main pitfalls of receiving CASCO payments:

• If two cars were involved in an accident, you will definitely have to obtain a certificate from the traffic police. Such an accident is processed in the standard manner, so you have to call the traffic police and collect a full package of documents. Compensation for damage falls on the culprit's insurance company. If the culprit has CASCO insurance, then the damage to his car can also be compensated (except for cases provided for by the contract).
• A similar situation arises if the damage was caused by third parties, and the owner of the vehicle did not want to call the police.
• Perhaps the contract contains a restriction on the maximum amount of compensation under CASCO without a certificate from the traffic police. Typically, it is 3-5% of the cost of the car. That is, if it is estimated, for example, at 400,000 rubles, then the driver will be able to receive no more than 12,000-20,000 rubles.
• Damage to some elements may not be included in the contract by insurers. This should also be remembered.
• Sometimes, after an accident, it can be difficult for a driver to accurately assess the extent of the damage. However, if the amount exceeds the established limit, compensation will be denied. If you have any doubts, it is advisable to obtain a certificate.
• Often, insurance companies limit the maximum number of cases when compensation can be issued without a certificate from the traffic police during the period of validity of the contract. This point should also be taken seriously.
• There are a number of situations when receiving CASCO payments is generally impossible. For example, repairs will have to be carried out at your own expense if the accident occurred outside the insurance coverage region, the driver was not included in the policy or was intoxicated, traffic rules were seriously violated, the damage was caused intentionally, etc.

The motorist needs to know the terms and conditions of the insurance in detail when taking out the insurance. You also need to re-read the contract immediately after an accident to make sure that the case falls under its scope.

Insurance companies with CASCO registration without certificates

In order to better navigate the terms of contracts with various insurance companies, below is a comparative table of the work of the main companies.

There is one general rule for all insurance companies: the car must not be involved in an accident with other vehicles. If another vehicle is also damaged, calling the traffic police, obtaining a certificate and collecting the necessary documents is mandatory. Regardless of the amount of damage, compensation will not be made without a certificate.

So, if the question arises about whether it is worth paying extra for the opportunity to receive insurance payments without a certificate from the traffic police, then the answer will definitely be positive (if, of course, the budget allows). However, you should always remember that the amount of damage allowed is limited. The insurance company may also include additional conditions in the option at its discretion. Therefore, it is imperative that you carefully study the contract. By showing excessive arrogance, the driver may end up without compensation at all.