There is a new method of fraud when repairing cars under insurance

Issues discussed in the material:

2 types of compensation for damages under compulsory motor liability insurance
Direct compensation for damages under compulsory motor liability insurance
Car repair under OSAGO
What is better to choose: repairs or money
3 steps what to do if you don’t have enough money for compulsory motor liability insurance
Filing a claim due to underestimated compensation for damages under compulsory motor liability insurance
Nuances of compensation for damage under compulsory motor liability insurance
Compensation for damage under the European protocol
Further actions in case of refusal of the insurance company to comply with the European protocol

Compensation for damages under compulsory motor liability insurance seems such a hassle for many drivers that some want to repair everything themselves, just to avoid the hassle of authorities. And the amount that the insurance company allocates is sometimes so meager that it is not enough for anything, which again means wasted time and nerves to sort it out. The result is that we fix everything with our own hands.

But you shouldn’t give up in advance, you need to think through everything to the smallest detail. Let's start with the fact that starting this year, the procedure for compensation has been simplified. The registration of a European protocol has also been introduced, which significantly reduces the time both for recording an accident and for further payments. The main thing is to know what documents to fill out and within what time frame to submit them to the insurance company.

Insurance for dental services

As a rule, dental services abroad are expensive, so when planning a trip, do not forget about the need to take out an insurance policy. Dental services may be needed at the most unexpected moment, and it is good if an insurance policy is taken out. The insurance company will cover the costs associated with emergency dental care in case of injury or acute inflammation of the tooth and tissues surrounding the tooth within strictly defined limits. Usually it is 100-300 USD. Emergency care includes: examination by a doctor, imaging, medications, removal or filling.

Insurance of costs associated with the treatment of dental diseases while abroad is kept to a minimum, regardless of the status and authority of the insurance company.

But it is toothache that often takes tourists vacationing at resorts by surprise.

Exacerbation of dental diseases can be caused by changes in climate and diet, hypothermia while swimming or skiing, injury to the jaw during a fall (diving) and other factors.

Most tourists strive to cure their teeth before leaving on a tour package, but not everyone succeeds, especially if traveling abroad is on a last-minute tour.

Unfortunately, Russian citizens planning a trip abroad can only insure emergency dental services to relieve pain and eliminate the source of pain. All other dental procedures will have to be paid for yourself.

The minimal participation of insurance companies in covering the costs of dental care is due to the fact that dental diseases cannot cause serious harm to health. At the same time, treatment costs in popular tourist countries are extremely high. That is why insurers only include emergency services.

How victims received insurance payments before

During the first 6 years of the MTPL system in Russia (since 2003), victims were ordered to apply for payments to the insurance company (IC) of the person responsible for the insured event.

In theory, there should have been no problems here, but they began to arise due to the large difference between insurers - some diligently fulfilled their obligations, others did not.

And if the culprit was insured in a dubious establishment (and at that time there were many of them), then the victim began to have problems with payments because of this, which he could do little to influence. The victim’s own insurer just shrugged his shoulders.

Introduction of an alternative direct insurance compensation procedure

After understanding the current situation, in 2009, the authorities decided to give policyholders the opportunity to choose an insurer to receive compensation.

The victim could choose:

The classic option is with payment from the culprit’s insurance company;
An alternative option is direct payment from your own insurance company (PVU).

The idea was good and initially brought some positive results, but not for long. Irresponsible companies quickly got their bearings and realized that they had got their hands on a legal tool for “footballing” victims to their colleagues.

And if a person applied for payment to the insurer of his choice, then, under various pretexts, they convinced the victim of his “wrong” choice and “reasonably” pointed to the second company associated with this case. The new rules allowed this.

This is what the insurers of both the perpetrators and the victims did, often repeatedly sending the applicant for compensation to each other. The economic crisis aggravated the situation and even decent insurance companies began to commit such trickery. And quite a few drivers were caught cheating - they submitted claims for compensation to both insurers at once.

As a result, the government decided to put an end to this absurdity and, 5 years after the first reform, introduced a procedure for non-alternative direct compensation of losses.

What dental services are included in the travel insurance policy?

Dental care programs offered by Russian insurance companies have minor differences. However, before taking out a policy, it is advisable to compare offers from reliable insurers in order to choose the most acceptable reimbursement option.

The standard “dental package” includes:

– pain-relieving treatment of teeth and gums after injury (first aid measures);
– tooth filling in case of acute inflammatory process (elimination of the source of infection);
– anti-inflammatory drugs;
– X-ray examination;
– removal of a diseased tooth according to indications;
– anesthesia.

The emergency care package does not include tooth restoration, installation of fillings made of light-composite materials, treatment of gingivitis, periodontitis. Insurers also do not provide clients with the opportunity to increase the dental risk limit.

It is no coincidence that companies emphasize to policy buyers that emergency care (within the limits of insurance) applies to natural teeth. Treatment of acute inflammation that has developed in the area of the crown or implant is not covered by insurance.

Many insurers do not reimburse costs if an aggravation of an untreated tooth occurs during a trip (that is, if there has been a long-standing presence of a carious cavity and inflammatory processes in the gum area).

Standard compensation amounts are 100-250 USD. e. for most companies. Considering that dental services in the USA and Europe are the most expensive type of medical care, the amount of insurance compensation is disproportionately small compared to possible expenses.

However, tourists have the right to expect compensation for expenses within the specified limits if they provide the insurer with medical documents (receipts, statements, doctor’s report, prescription sheet). The traveler pays for standard (non-emergency) treatment abroad on his own or postpones a visit to the dentist until he returns home.

What is better to choose repair or money?

Since insurers offer two options for compensation after an accident under compulsory motor liability insurance, we will consider which method will be the most profitable.

In order to understand this issue, we will consider the positive and negative aspects of each option.

Type of compensation	pros	Minuses
Repair	There is no need to independently look for a station that can carry out repair work.	A new vehicle may be sent to an unofficial dealer station or a location that is geographically far away.
Money	The right to choose, since in practice drivers fix minor damage themselves and save on repairs.	There may not be enough to pay for repairs, as a result of which you will have to invest your own money.

It turns out that each client must decide for himself what is more profitable for him. As practice shows, for new cars the more profitable option is payment at the station. Thanks to this, car enthusiasts can carry out repairs at an official dealer station and maintain the warranty.

For those clients who have opened their own service station or have cars repaired at a friend’s station at minimal prices, the option is payment in cash. Such car enthusiasts, in most cases, spend money only on spare parts.

How to act upon the occurrence of an insured event

If your tooth hurts, immediately call the assistance company (the numbers are indicated in the policy). You will be told which clinic you should go to for help, how to get there, and what documents the medical facility will require. You must have a copy of your insurance policy and passport with you.

Remember that the insured amount may not be enough to carry out full treatment, so make sure you have additional finances in advance. Ask for all documents related to assistance.

Despite the minimum coverage for dental risk, always include this service in your policy - if an insured event occurs, you will receive medical care in a reliable medical institution.

Select a set of risks in the Konti.travel database, indicating priority ones, and issue an insurance policy with a 20% discount using promo code 000750396

In just a few minutes you will receive a policy that best suits your requirements.

Source of the article: https://konti.travel/services/vidy-strahovaniya/strahovka-dlya-stomatologicheskih-uslug/

What is the difference between aggregate and non-aggregate insurance amounts?

While we strive to deliver orders within the timeframe stated on our customer service page, delivery may take longer due to unforeseen circumstances. If delivery is delayed for more than 30 days, you may cancel your order.

Here, when determining losses, the prices that existed in the place where the obligation was to be fulfilled on the day the debtor voluntarily satisfied the creditor’s demands are taken as a basis. And if the demand was not satisfied voluntarily - on the day the claim was filed (although the court will take the prices existing on the day the decision was made).

According to the latest amendments to the legislation on compulsory insurance, the amount of coverage has increased several times. Insurance payments under compulsory motor liability insurance for damage to a car currently amount to 400,000 rubles, and for life and health – 500,000 rubles.

The first option is the only case when the injured party can receive compensation for a loss under compulsory motor liability insurance from its insurer (or RSA, if the organization in which the policy was issued went bankrupt or lost its license).

But just 20 minutes spent reading the manual would be enough to extend the life of the equipment by years. The most common failure in washing machines is the failure of the drain pump. It can be damaged by any small debris that has fallen out of pockets, fragments of metal and plastic clothing decorative elements, coins, or small items of clothing that have fallen into the drain.

In just one minute you can calculate and compare rates for cargo, liability, property, transport, life and much more insurance.

The amount of the first and subsequent losses will be deducted from the deductible amount determined by the parties to the transaction until it is equal to zero.

If you need additional advice or assistance in drafting written documents, you can contact my chat; according to the rules of the site, chat services are paid.

OSAGO on Audi RS Q8

E-MTPL for Audi RS Q8 without extra charges from leading insurance companies

On our website you can apply for compulsory motor liability insurance for the Audi RS Q8 online. OSAGO insurance allows the car owner to cover losses in the event of an accident. Registration of MTPL is mandatory for all vehicles: cars and trucks, buses, tractor-trailers, motorcycles, minibuses.

The MTPL policy covers:

Material damage sustained in an accident.
Reimbursement of costs for treatment and recovery of victims of an accident.
Compensation to the relatives of the victims.

Coverage for moral damages and lost profits is not provided. You can take out an E-MTPL policy for the Audi RS Q8 without leaving your home. The cost of the policy is calculated based on the following data:

Power of the Audi RS Q8.
Age and driving experience of the driver (if several drivers are included in the policy, the cost is calculated for the smallest age and driving experience).
Number of drivers.
Number of road accidents for the previous period.

You can issue an insurance policy in paper form at the office of our insurance company and remotely in electronic form with the policy delivered to your home or by e-mail.

Our website provides an online MTPL calculator. Using the calculator, you can perform an online calculation of the OSAGO price for the Audi RS Q8. After receiving the calculation results, you can apply for a policy online.

General issues

If you find a typo or erroneous data entry when receiving an insurance policy, you must immediately notify a specialist. It is enough to send documents in any convenient way: via e-mail or during a personal visit to the office of the insurance company. The papers can also be sent by registered mail to the address of the insurance company.

Experts remind you that when sending applications by email, you must submit them as scanned copies. You should adhere to certain recommendations from experts:

Fill out the application form in accordance with the template provided by the insurance company;
Enter the relevant information in all empty fields;
Sign the application with your own hand;
Enter all information in legible handwriting that the insurance company specialist can read;
Send documents from an email address to which only the applicant has access;
Attach to the application a photo of the applicant directly, in whose hands there is an identity document, in open form.

To terminate the contract, it is enough to send a corresponding application to the insurance company in any way available to you: via e-mail or during a personal visit to the office of the insurance company. When transmitting papers via email, you should adhere to several rules:

Use the application provided by the insurance company;
Enter information in all free columns;
Place the personal signature of the applicant under the application;
Use an electronic mailbox to send documents that is not accessible to unauthorized persons;
Attach to the application a photograph of the applicant holding an unfolded identification document in his hands.

The standard procedure for action in the event of an insured event involves the following:

Complete and submit an application to the insurance company. If there are illegal actions on the part of third parties, an application must first be submitted to law enforcement agencies;
Carrying out examination, audit and other activities that allow us to highlight the extent of damage;
Calculating the amount insured that will need to be paid. It is carried out within the framework of the current agreement;
Receipt of the insurance amount within a strictly specified period;
In case of divergence of opinions on the amount of payment or its complete refusal, contact the judicial authorities to appeal the decision of the insurance company.

Insurance compensation is a payment that is expressed in money or in kind. It is paid in cases where it is necessary to compensate for damage caused that was insured. Such payment is made when an insured event occurs.

How insurance compensation is made:

Submitting a statement about the occurrence of an insured event;
Carrying out damage assessment;
Calculation of compensation;
Payment of compensation.

There are several options for calculating the amount of insurance compensation:

First risk. Real damage is revealed. It will be compensated by the insurance company;
Proportional. The insured amount is divided by the value of the property. The result is multiplied by the damage;
Franchise. Partial payment of damage.

Payments are made in about 3 weeks. The payment period may increase up to a month.

After receiving a complete set of documents confirming the occurrence of an insured event, its cause and the amount of loss, the insurance company makes a decision on payment within 10-15 business days.

You can clarify this information personally in each specific case. It is necessary to contact an employee of the insurance company's contact center to obtain more detailed information about the decision made.

If a negative decision on payment is made, a representative of the insurance company will contact you within two days and tell you in detail about the reasons for the refusal.

OSAGO

According to current legislative norms, having an MTPL policy is mandatory for every car owner. The conclusion of a compulsory insurance contract is carried out when purchasing a vehicle. Driving a car without a policy is strictly prohibited. If it is discovered that there is no insurance, the car owner will be subject to an administrative fine.

A valid policy guarantees the driver that the damage caused to him will be compensated by the insurance company. The car owner will not have to resolve these issues on his own.

An electronic MTPL policy is an analogue of a paper document and has full legal force. If desired, the car owner can independently print out the contract on paper and store it along with other documents for the vehicle. The electronic policy can be printed in both monochrome and color.

From 2021, paper forms of compulsory insurance policies are pink. As for the electronic policy, it can be of any color - not only pink, but also black and white, blue or green. At the moment, there are no strict requirements regarding the issuance of an electronic MTPL policy. The document does not require certification; it does not have to be printed on paper. When checking documents, it is enough to show the policy form in electronic form on the smartphone screen or name the series and number of the document.

For the first time, E-MTPL registration became available to car owners in 2015. Drivers received a unique opportunity to conclude an agreement with an insurance company remotely, without visiting the office. In January 2021, insurance companies were required to issue electronic policies. From now on, companies cannot refuse a request to issue an electronic form.

The finished document is received electronically to the email address specified by the client, and it also becomes available in the client’s personal account on the official website of the selected insurance company. The client can always access the document, use it digitally or print it on paper.

There are significant differences between the CASCO and OSAGO programs. Insurance companies strongly recommend having both policies to eliminate as many risks as possible. OSAGO is mandatory, and CASCO is a voluntary type of insurance. CASCO can be mandatory only in the case of car loans. The presence of a CASCO policy does not relieve the car owner from the need to enter into an MTPL agreement.

The two insurance programs have fundamental differences in several respects. First of all, this is the object of insurance itself. With OSAGO, the driver insures his motor third-party liability, and CASCO protects the vehicle from destruction, damage and theft. Auto insurance experts highly recommend having both auto insurance policies to ensure you are as protected as possible.

Cost calculation is also carried out in different ways. When purchasing compulsory motor liability insurance, the final price of the policy is determined by the client’s driving experience, the car’s engine power, the driver’s region of registration and his accident-free driving experience. When calculating the cost of CASCO, you should focus on the make and model of the vehicle, the year of its manufacture and cost. The experience and age of drivers matters. CASCO always costs more than compulsory motor liability insurance.

Another important factor is the amount of payments in case of an accident and the recipient of compensation. The CASCO program limits the maximum amount of compensation to 500 thousand rubles, and the money is awarded to the injured party. With CASCO insurance, compensation will be paid to the policyholder - the car owner who issued the policy. The amount of compensation is determined by the terms of the contract with the insurance company.

Source of the article: https://asccenter.ru/avto/audi/rs-q8/

Types of compensation for damage under compulsory motor liability insurance

OSAGO is a mandatory product that provides a guaranteed payment to the party injured in an accident. As for the guilty party, it will repair the car at its own expense.

The maximum amount of payment is provided for at the legislative level and is for each victim:

no more than 160 thousand rubles if harm is caused to life and health;
no more than 400 thousand rubles if damage to the vehicle is caused.

The insurance company will be able to compensate for damage under compulsory motor liability insurance in cases specified in the rules:

Complete destruction. In this case, the market value is paid. If the payment exceeds the agreed limit within the framework of a mandatory product, then the culprit is obliged to pay the difference.
Partial damage. If partial damage is received, the company pays the funds necessary for repair work.
Additional expenses. This group includes additional expenses that the victim incurs as a result of an insured event: expenses for evacuation or storage of belongings.

Refund of funds from the Social Insurance Fund

Each company monthly transfers a certain percentage of the organization's payroll to the Social Insurance Fund. This money is accumulated in the Fund’s accounts and goes towards compensation payments in case of accidents at work or when occupational diseases are detected. The amount of funds transferred to the Social Insurance Fund depends on the presence (number) of harmful and dangerous factors in the organization (VF and PF, respectively), i.e. depending on the “danger” of the work, the Social Insurance Fund may receive funds from 0.2% to 8.5% (the maximum possible % of deductions) of deductions from the wage fund. Below is a small visual diagram of this mechanism.

If in production the number of insured events is large, and this amount is spent almost completely during the year, then for “office” companies it almost completely remains in the Social Insurance Fund of the Russian Federation. According to the Order of the Ministry of Labor of Russia dated December 10, 2012 No. 580n (hereinafter referred to as Order No. 580n) “Rules for financial support of preventive measures to reduce occupational injuries and occupational diseases of workers and sanatorium and resort treatment of workers engaged in work with harmful and (or) hazardous production factors ", the employer has the right to return up to 20% of the amount remaining in the Fund, using it to finance preventive measures to reduce occupational injuries and occupational diseases of workers and sanatorium-resort treatment of workers engaged in work with harmful and (or) dangerous production factors. For large companies, the amount of compensation from the Federal Social Insurance Fund of the Russian Federation can amount to millions. But in order to save this much, it is important to fill out all the necessary documents on time and correctly and know what you can spend these funds on.

What should and should not be done when receiving a referral for rehabilitation work?

When issuing a referral for repairs under compulsory motor liability insurance, the insurer usually requires you to sign certain papers. All you need to sign is your application and notification of the accident at the stage of submitting the document. For your safety, even on the organization’s letterhead, it is better not to enter information in fields that are not required to receive a referral.

Often, insurers resort to tricks and provide clients with additional contracts or indicate the fields required for them in the application. These may be the following:

agreement to pay additionally at your own expense an amount that will not be enough for a full repair (the result of an underestimated damage assessment);
consent to the installation during repair of parts that were already in use;
consent to the use of any car service of the insurance company's choosing, although in certain cases the service station is obliged to send the car exclusively to the dealer station.

There may be other conditions. If there is something alarming about the document, do not enter information in such fields and do not sign such additional papers. A similar situation can be encountered at a service station. In this case, you need to be especially careful, since you can sign an assignment agreement, which determines the assignment of the right of claim from the insurance company. As a result, the car owner sells the service station the right to demand compensation to eliminate damage caused to the vehicle. As a result, the repair will be carried out as usual. If the owner of the car signed the document without reading it first, secondary parts may be installed, restoration under compulsory motor liability insurance may be partial, and the work may be performed poorly.

Under no circumstances should you agree to any additional payments; you should not sign anything other than the insurance statement and notification of the accident at the stage of sending the documentation to the insurer. The driver is not required to pay anything extra, and the organization is obliged to restore the car to the condition in which it was before the accident.

How to return funds from the Social Insurance Fund

Key steps that an employer needs to take to compensate for funds spent on mandatory payments:

Submitting a package of documents to the Social Insurance Fund office at the place of registration of the enterprise:
A copy of the calculations in accordance with Form 4 of the Federal Tax Service of the Russian Federation.
Copies of documents justifying and confirming the correctness of payments.

Waiting for approval from the Social Insurance Fund.
Receiving funds from the Social Insurance Fund.
Reflection of the received amount in the reporting.

A very important aspect of refunds is the deadline for submitting documents. Documents for reimbursement of funds from the Social Insurance Fund are submitted until July 31 of the current year, after which the acceptance of documents ends.

It is very important to start preparing a package of documents in advance

(even if your events are scheduled for the end of the year - a medical examination or a special assessment of working conditions) and submit it as early as possible - for example, May-June. This action is due to the possibility of collecting additional documents for the Social Insurance Fund and in this case you will have time to provide them.

Most employers assume that they should accrue benefits only after receiving funds from social insurance. Is their opinion wrong or not?

Payment terms

The periods of payment to employees of various types of benefits on the basis of supporting documents are regulated by federal legislation and are made:

From the first day of payment of wages in the presence of sick leave.
Within a ten-day period from the date of filing an application for payment of benefits, if there are documents indicating registration in the early stages of pregnancy, the birth of a child and disability due to pregnancy and childbirth.
Every month on the day of salary payment if there is a child care application.
On the day of application based on the application for burial.

These are mandatory payments that are made by the employer regardless of transfers to the Social Insurance Fund. The absence or untimely payment of these benefits entails the accrual of interest in the amount of 1/300 of the refinancing rate of the Central Bank of the Russian Federation on the total amount of benefits for daily delays, which are not reimbursed by the Fund.

Moreover, in accordance with Part 1 of Article 5.27 of the Code of Administrative Offenses of the Russian Federation, such negligence may result in penalties and inspections by inspection bodies for the employer.

According to the order of the Ministry of Labor of Russia dated December 10, 2012 No. 580N, the employer has the right to return up to 20% of the amount remaining in the fund.

Documentary details

What are the main documents submitted by the employer to return money from the Social Insurance Fund:

Application - filled out by the employer in any form and contains the desired refund amount, detailed for each individual type of benefit. Clearly defined expenses are convenient for both social insurance and the policyholder. An application form of a specific form is used if it is applied to the Social Insurance Fund at the place of registration of the enterprise.
A copy of the calculations in accordance with Form 4 of the Federal Tax Service of the Russian Federation. The refund amount is entered in lines 9 and 10 of Table 1 of the first section. According to Art. 10 FZ-212, the calculation can be made on any day of the month at the time the expenses appear. In the case under consideration, an interim calculation is required in Form 4 of the Federal Tax Service of the Russian Federation, covering the period from the beginning of the year to the current date. To do this, enter the following into the “Reporting period” cell of the intermediate form:
in the second two - the number of the application for reimbursement of the debt amount.
Copies of documents justifying and confirming the correctness of benefit payments. The clause applies to enterprises receiving benefits that either do not pay contributions or pay them in the minimum amount.

Additional Documentation

In addition to basic documents, social insurance may require additional information:

a register of expenses with details of the accrual of benefits;
copies of payment slips indicating payment of contributions to the Social Insurance Fund for the period of refund.

Application forms for offset and compensation of funds

Order of the FSS No. 49 dated February 17, 2015 approved seven forms of applications for offset and reimbursement of funds (from 21-FSS to 27-FSS), each of which is filled out for a specific type of accrual, including:

act of joint reconciliation of calculations for contributions, fines and penalties in the Social Insurance Fund;
offset of funds paid in excess to the Fund;
refund of the amount of excess social security contributions;
reimbursement of excessively collected fees, fines or penalties;
act on offset of excess paid amounts of contributions, fines or penalties;
decision on compensation of excess amounts paid, penalties or fines;
act on offset of excess collected amounts of contributions.

Why are rules No. 171 needed?

It is this paragraph of the rules that concerns cases related to direct compensation for damage. Factors on which the amount of compensation directly depends are also listed here.

What repairs need to be carried out for the vehicle? The driver chooses the service, or Rosgosstrakh employees are responsible for it.
How many people are allowed to drive this car?
In what city was the original contract concluded?
What is the cost of the vehicle?
When was it released to the market?
Description of brand and model.

Innovation in 2021 – reference calculation

Based on the order of the Ministry of Labor of the Russian Federation, employers applying for a refund of funds from the Social Insurance Fund, from January 1, 2021, will be obliged

, along with the standard package of documents, provide a certificate of calculation. The innovation is associated with the transfer of control over insurance payments to the tax authorities.

The following information is included in the certificate:

the total amount of outstanding payments at the beginning and end of the required period
amount to be paid
additional charges
expenses not accepted for offset
amount reimbursed by social insurance
offset payments
amount spent on compulsory insurance payments
paid contributions
amount of debt written off.

About insurance with deductible

This is an opportunity that will save you on additional costs. The higher the deductible, the lower the cost of CASCO. But in this case, the driver simply takes on a large number of risks.

When including a franchise in CASCO, it is important to have with you the entire necessary amount to cover the cost of this program.

Franchise with CASCO.

Return Features

If the amount of contributions accrued in a certain month does not exceed the amount of benefits accrued to employees, money can be returned from the Social Insurance Fund in several ways:

Reducing the amount of contributions in subsequent months by the amount of overpayment of benefits until the difference is finally eliminated. Relevant for companies on OSNO that have made mandatory payments from their own funds.
Refund of expenses. The most acceptable option is when, according to first estimates, the total amount of benefits paid cannot be repaid through the payment of contributions, as well as for enterprises using a special regime.

Steps that an employer needs to take to receive “real” money from the Social Insurance Fund:

Within 10 days from the date of formation of the debt for the Social Insurance Fund, contact the branch of the Fund at the place of registration of the enterprise.
Submit an application written in any form or according to the model used in this social insurance department.
Submit a complete set of required documents, including calculations in Form 4 of the Social Insurance Fund.

Social insurance is obliged either to transfer the amount indicated in the application to the enterprise within 10 days, or to give a refusal within 3 days, followed by a check to clarify the information provided.

What to do when your car is damaged in an accident

According to the law, only the injured party will be able to receive compensation under the compulsory motor liability insurance agreement. The culprit will have to compensate for all costs with restoration repairs at his own expense. To prevent this from happening, experienced experts advise immediately entering into a CASCO agreement when applying for compulsory motor liability insurance.

Thanks to voluntary protection, all expenses that arise even through the fault of the policyholder will be compensated. As practice shows, the cost of the contract is much cheaper than the cost of restoration repairs.

You can find out the cost of CASCO insurance without even leaving your home. To do this, you need to use the calculator on our portal and specify several required parameters. All information is provided not only quickly, but also free of charge.

OSAGO “with repair” - how to choose insurance and service? legal advice

Since April, those insured under MTPL in the event of an accident have been offered car repairs instead of money. This means that now you need to approach the choice of an insurer differently than before, paying special attention to the list of service stations with which the insurance company cooperates. The main selection criteria were formulated by Sergei Smirnov.