Reasons for not repairing
The old OSAGO insurance policy, in which the driver chose between the repair and the cash equivalent, is valid only for policies until April 28, 2017. In other cases, the motorist is set up in front of the fact: the repair is performed by a service partner at the specified address. However, there are a number of exceptions in which you are entitled to receive compensation:
- If the insurance payment is not satisfactory to the driver and the cost of repair exceeds 400,000 rubles, the victim has suffered moderate and severe injuries; the car is not subject to reconstruction after the damage; the insurance company has not carried out repairs within the period set by the Central Bank's rules (within 30 days of the victim's primary application for compensation); the injured party has a disability; the maintenance station does not meet the legislative requirements.
- If the insurance payment is not satisfactory to the driver and the cost of repair exceeds 400,000 rubles;
- The victim suffered moderate and severe injuries;
- The vehicle shall not be recovered from the injuries sustained;
- The insurance company did not organize repair work within the period set by the Central Bank's rules (within 30 days of the primary treatment of the victim for compensation);
- The injured party has a disability;
- The maintenance station is not in compliance with the legislative requirements.
The situation, which the owner of the car owner can confirm, is also a reason for replacing the natural recovery with money. In this case, the statement and documents for the payment of the OSAGO will be considered by the special commission of the Russian Union of Motor Insurers.
TDB requirements
There are legitimate requirements for maintenance stations where the need for repair can be challenged by court or by filing a complaint with the RSA. All STs must meet such criteria:
- Location at a distance of less than 50 km from the place of accident or place of residence of the victim; the presence of a vehicle with guarantees (machines of not more than 2 years of age are only repaired in authorized dealer centres); only new parts, assemblies and spares (installation of elements formerly used to be used, may be agreed with the car owner) shall be used for the repair of not more than 30 days from the moment of the transfer of the car to the STO (in accordance with the paragraph). 21 No. 40-FZ "OSAGO").
- Location less than 50 km from the place of accident or place of residence of the victim;
- The location of the car on the guarantee (machines not older than 2 years are repaired only in authorized dealer centers);
- Only new parts, sites and spare parts are used to repair the new parts (the installation of previously used elements may be agreed with the car owner);
- The period of refurbishment shall not be longer than 30 days from the moment of the transfer of the car to the STO (in accordance with the paragraph). 21 No. 40-FZ "OSAGO").
According to experts, no more than 30% of Russians can take the natural compensation. This is due to the fact that there are no modern STs and that a significant proportion of the vehicles in the country are older than 10 years. It is practically impossible to find new spare parts for up to 30 calendar days.
Peculiarities of the receipt of cash payments
Insurance payments may be calculated on the basis of damage to non-vehicles. The payment shall also be made in the event of a disability or death of the victim as a result of the accident. If the "Europrotocol" was issued, the repair cost more than 50,000 rubles. Also, the payments are due to motorists in the processing of insurance policy through the international insurance system (art. 31 NO. 40-FZ).
Value of insurance benefits:
- 50,000 rubles ($1,450) in the event of the death of the victim in the event of a loss of life and health, up to 50,000 rubles ($1,450);
- Up to 500,000 rubles in the event of damage to the life and health of the victims;
- Up to 475,000 rubles on death of the victim;
- Up to 50,000 rubles in documents without the participation of the staff of the FSC;
- 50,000 rubles to attend the victim's funeral.
The amount of payments is calculated in accordance with the Unified methodology developed by the Bank of Russia. The deadline for submission of documents for the receipt of payments under the OSAGO is 5 days from the moment of the accident (earlier, the preparation of the package was allocated 15 days).
Such documents will be required for the insurance to be used:
- A statement of the installed specimen; a copy of a civil passport certified by a notary; a certificate and a notification of the accident; copies of the accident documents, drawn up with the participation of the officers of the traffic police.
- A statement of the prescribed specimen;
- A copy of the ordinary passport, notarized;
- Help and accident notification;
- Copies of the accident documents, drawn up with the participation of the staff of the traffic police.
The injured party and the perpetrator shall be jointly notified of the accident notification. On the back side of the document, each motorist fills it on its own. If the perpetrator does not speak of the OSAGO policy and refuses to submit its data, the injured party may complete its notification form and indicate the reason for the separation of the documents. This will not be the cause of the denial of insurance, but will only increase the time frame for consideration of the application. Under the law, the insurer is required to provide a response of up to 10 days, and the insurance coverage for OSAGO is 20 working days.