How to get comprehensive insurance. Casco payment procedure, step-by-step instructions on how to get money
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CASCO for everyone
You can buy the following policies online without a preliminary inspection of the car:
We also offer several AutoCASCO insurance programs available at our offices:
What documents are needed to apply for hull insurance?- Passport or military ID (for military personnel);
- Vehicle Passport (TCP);
- Vehicle Registration Certificate;
- Driving permits for persons authorized to drive a vehicle;
- If the vehicle is credit / pledged - relevant documents;
- Sales contract (if any).
To change CASCO terms, it is enough to draw up an additional agreement to the contract with our company.
How to save on hull insurance
How to keep within the budget
Use installment plan! You can insure a car today, and pay - within six months.
Payments are made on schedule, even if an insured event occurs.
If you have delayed the next installment for AUTOCASCO, you will need to re-present a clean car for inspection. Insurance will resume after the next installment and inspection of the car.
What does the Rosgosstrakh insurance policy protect from?
Examples of insured events from which CASCO protects:- Traffic accident (accident).
- Hit (hit) on motionless or moving objects (constructions, obstacles, animals, birds).
- The fall on the car of any objects (trees, snow, ice, etc.).
- The ejection of gravel, stones and other objects from under the wheels of the vehicle and subsequent damage.
- Falling car in the water.
- Disaster.
- Fire (including as a result of an accident).
- Explosion.
- Illegal actions of third parties.
The CASCO policy of PJSC IC Rosgosstrakh also protects against the risk of loss of a car and additional equipment as a result of theft, robbery or robbery.
More details about all insurance risks and insurance benefits can be found in.
CASCO insurance payments
Insured events, depending on the terms of the concluded contract, may be partial damage, theft, complete destruction, and so on.
Compensation for CASCO damage
There are two ways to compensate for CASCO damage after an accident:
- repair of a damaged vehicle at a service station;
- cash payment to the owner of the damaged vehicle.
To receive insurance payments under CASCO in case of an accident, it is necessary to comply with all the rules for registration of an insured event.
At the scene. Immediately after the accident, you need to call law enforcement officers in those cases for which payment without police certificates is not provided for by the insurance contract. In no case should you move the car. It is also undesirable to touch it after an accident, so as not to accidentally remove characteristic damage. Do not try to negotiate with your opponent yourself. Read the protocol carefully before signing it. If the section of the road on which the accident occurred falls into the field of view of the surveillance cameras, it should be noted in the protocol indicating the model and camera number.
After the incident. After completing all the documents, contact your insurance company representative and report the occurrence of the insured event. Then collect a package of documents about this incident and send it to the insurer. You will also need to bring a car for inspection and fixing damages by an insurance company representative. When you transfer all documents to the insurer, specify the registration date, number and time frame in which your case will be considered.
What is the value of CASCO insurance payments formed from?
Insurance option. There is partial (from damage) and full (from damage and theft) insurance. CASCO from damage will cost much cheaper - the cost of the policy for such a program can be 20–40% lower than the price of a full insurance policy.
Sum insured. Reduced (aggregate) and irreducible (non-aggregate). When choosing the aggregate amount, you should consider that each subsequent insurance payment will reduce the size of the entire insurance amount. The irreplaceable insurance amount after car repair will not change.
Wear. Payments can be made both with this factor in mind and without it. If the agreement states that the amount of payment will be calculated taking into account depreciation, then the motorist must remember that the greater the depreciation, the lower the amount of insurance payment.
What determines the price of the CASCO policy?
Driving experience and age. The younger the driver and the less his experience, the more expensive the CASCO insurance policy will cost him.
Insurance period. The shorter the validity of the insurance policy, the more expensive it will be every month if recounted. Therefore, for many motorists it is more profitable to take out insurance for a long period of time.
Installment payment. Installment can increase the cost of the CASCO policy. This is a popular service, but since it contains certain risks, installment policies will be more expensive than those that provide for a one-time payment of the insurance premium.
Insurance history. If the vehicle owner has a break-even insurance history under CASCO or CTP, then the price of the policy will be less.
Anti-theft system. When signing the contract, you must indicate whether the car is equipped with a theft protection system. If yes, then it is necessary to register the name of the model and the manufacturer's company. The more reliable the system, the cheaper the policy will cost you.
Contractual coverage. If you want to protect your car to the maximum, and when purchasing a policy, indicate that you need maximum coverage (theft, damage in all cases, etc.), then insurance will cost more. But at the same time, a CASCO refund will fully cover your costs.
Franchise availability. If, when purchasing a policy, you decide to include a franchise in it, then in the end it will cost you less. But if an accident occurs, the final payment will be equal to the amount of damage minus the deductible.
If the insurance company refuses to apply for CASCO, then there are several reasons for this. Perhaps the policyholders misunderstood the terms of the contract, began to act on their own with good intentions - all this often leads to a negative result. Why can an insurance company refuse to pay?
Reasons for refusal of payment under CASCO
Traffic violation. A number of insurance contracts may indicate that an accident that occurred due to the fault of the insured is not an insured event. Such traffic accidents may include those that occurred due to a significant speeding, driving under the influence of drugs or alcohol, driving at a forbidding traffic light, crossing a double solid and driving into an oncoming lane. According to traffic rules, drivers are allowed to go on the road only with a working car.
Incorrect actions in case of an insured event. It often happens that people lose the opportunity to receive insurance payments under CASCO due to a number of errors. The following are the most common.
- Independent full or partial repair of the vehicle. Many motorists prefer to repair their car on their own, so as not to drive a broken car. They then provide the insurance company with checks or photographs of the repaired damage and consider that such measures are sufficient. But this is not so: when examining a car, an expert will not be able to assess the degree of damage. As a result, payment will be denied. Therefore, do not repair the car yourself before an assessment is carried out by a representative of the insurance company.
- Untimely police contact. Compensation for damages under CASCO can not be obtained if you do not report damage to the car immediately after they are discovered. If you left the scene, the police will not be able to restore the course of events and the process of damage. Therefore, the protocol will not reflect the reason for their appearance. As a result, insurance coverage is most likely to be denied. That is why it is necessary to call representatives of law enforcement bodies immediately after an accident or the detection of damage to a car.
Questions and answers about CASCO
We have collected for you answers to frequently asked questions about CASCO car insurance.
Conclusion of an agreement
Is there a discount on CASCO for a satellite anti-theft system, do I need a garage, secure parking?
According to the terms of insurance, you can choose any place for night storage of a car in our company. We do not require paid secure parking, and our company does not provide discounts for installing a satellite anti-theft system. However, we have some prerequisites at the time of insurance for some car models. You can find out in more detail by making the correct calculation on our website or in the sales office. Yes it does. However, by law, you must register your car with the traffic police within 10 business days after purchase. There are no general restrictions on accepting insurance by type of engine, however, your region may have its own restrictions. You submit for inspection as much as you have, this is recorded in the inspection certificate. No, you can insure a car only for 1 year. Yes, we can take such a car for insurance, but damaged parts will not be insured until you repair them and provide a car for inspection, where we will note that everything is now in order with them.
When do I need to provide a car for inspection with CASCO insurance?
An inspection is not required if you renew with us the CASCO insurance contract under the same conditions as in that year, while you did not have any insured events for the past year.
Is it possible to apply for CASCO for six months for a credit car?
Cost calculation
Why the cost of hull insurance increased, I was not responsible for the accident?
According to the CASCO insurance contract, your car is insured, and not the driver’s liability to the victim of an accident, therefore we indemnify for the damage regardless of whether you are the culprit or the victim, respectively, when calculating the cost of the CASCO policy for the next year, each insurance event that occurred during validity of the previous contract.
Why has my car become cheaper, but hull has become more expensive?
Each year, the car loses a certain percentage of its value, therefore, the insurance amount under the contract is reduced annually. But, if you want depreciation depreciation not to be taken into account, it is possible to draw up a GAP (non-indexable insurance amount). The average market value of the vehicle can either be increased or reduced by only 5%.
Insurance case
If the driver is not included in the CASCO policy, will there be a reimbursement upon the occurrence of an insured event?
Only those drivers who are inscribed in the CASCO policy are insured. But you can always make a policy without restrictions on the number of drivers.
Does PJSC IC Rosgosstrakh reimburse the costs associated with renting a car during the repair of my car?In accordance with the rules of voluntary insurance of a vehicle, PJSC IC Rosgosstrakh will compensate the Insured for car rental for a limited period while the insured vehicle is being repaired. The procedure, conditions and terms for the provision of a car are established by the insurance contract.
What is the% depreciation for the year?The insurance contract establishes an unconditional deductible for theft “Damage” and “Damage”, for cases of complete actual and constructive loss of the vehicle, in the following amounts, in% of the sum insured: in relation to the vehicle 1 year of operation - 20% per year; in relation to vehicles of the 2nd and subsequent years of operation - 12% per year.
What is total and how much is it?The complete loss of a car is causing the vehicle such damages in which its repair is not economically feasible. This means that the cost of restoration repair is equal to or exceeds 65% of the actual value of the insured vehicle at the date of conclusion of the insurance contract, unless otherwise provided by the contract.
If the TS is a credit and the policy is drawn up for the loan balance, at the time of the insured event, what amount will the payments be made?Payments will be made in proportion to the sum insured.
Is it possible to pay money, not repair?The priority form of compensation is vehicle repair. In this case, the form of insurance compensation (payment in cash or repair at a service station) may depend on the conditions of the insurance contract, the risk that is being addressed, and other features of the settlement process provided for by the Insurance Rules.
Is it necessary to show a car repaired after an insured event, if the policy continues?It is not necessary if the policyholder repaired the car in our direction. If in cash the payment was received as compensation, then in accordance with the Rules: “After the restoration (repair) of the vehicle, the policyholder shall provide the vehicle for inspection to the insurer. If the vehicle is not submitted for inspection at the next insured event for the “Damage” risk (in the event of damage to the vehicle), damage is not indemnified for damage to the same parts, components, units of the vehicle, and for “Theft” risk and “Damage” risk in the event of complete of actual or constructive loss, the amount of insurance payment determined in the manner prescribed by the Rules shall be reduced by the amount of insurance payment made by the insurer in respect of a previous event. ”
24/7 customer support
In the event of an insured event, we will advise you by phone at any time of the day or night without breaks and weekends. Remember our free short number (for calls from mobile phones) or call 8-800-200-99-77 . Rosgosstrakh experts will tell you how to insure your car under CASCO and answer all your questions.
The CASCO voluntary car insurance policy, drawn up by the car owner, involves the protection of movable property from most of the possible problems.
Dear readers! The article talks about typical ways of solving legal issues, but each case is individual. If you want to know how solve your problem - contact the consultant:
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However, practice shows that receiving a payment, especially on a large scale, can be problematic.
What situations are recognized as insured events, and what is required to receive a payment on a car insurance, read on.
Legal basis
Currently, there is no separate law on voluntary car insurance, therefore, parties to the CASCO agreement must be guided by:
- The rules developed by the insurance organization and are binding on all employees;
- Civil Code, on the basis of which individual rules are developed.
No accident
If the damages were not received as a result of a road accident, then the registration of the insured event occurs according to the standard scheme.
The main difference is in the set of documents provided:
- if the damage was received as a result of the actions of third parties, then a notification of the occurrence of the insured event will be required, as well as a certificate with a list of damages (documents can be obtained from the department of internal affairs, whose employees filed the accident);
- in case of natural disaster, the package of documents is supplemented by a certificate from the Hydrometeorological Center;
- in case of explosion or fire, employees of the insurance company require the conclusion of a fire inspection.
How many times can I get paid
CASCO insurance policy payments can be received many times. The only condition is that the amount of payments should not exceed the insurance amount established by the contract.
For example, the contract establishes an amount of 560,000 rubles. The car owner has the right:
How to get the maximum amount
The maximum payout, as mentioned earlier, is fixed by the insurance contract and cannot be more than the real value of the vehicle.
It is quite difficult to get the maximum amount of insurance compensation, since:
- when a car is stolen, depreciation will be deducted, which is determined monthly or daily (depending on the rules of the insurance organization). Thus, in case of car theft a few months after insurance, the amount of compensation will be reduced;
- the maximum amount is reduced by the size of previous compensations;
Insurance Compensation Methods for Casco
Important! It should be borne in mind that:
- Each case is unique and individual.
- A thorough study of the issue does not always guarantee a positive outcome. It depends on many factors.
To get the most detailed advice on your issue, you just need to choose any of the proposed options:
CASCO is a voluntary insurance of any vehicle. When drawing up the contract, employees of the insurance company will assure you that if you enter into a documentary insurance union, you can avoid any problems associated with your car. CASCO will protect the driver even when you yourself become the culprit of the damage. Any damage, theft and even complete destruction of the car - all this can be covered by your CASCO insurance. However, why often do people with insurance get it?
Here are a few nuances.
The first of them is a certain procedure for providing payments. There are two options for insurance compensation:
- car repair with damage at the service station (service station);
- compensation payment.
The second nuance is the conditions for issuing insurance, and the third is the time of accrual of funds covering losses.
How to get a refund on CASCO?
The vehicle owner must comply with the following rules:
- The first step is to call the employees of the organs. They can become not only employees of the traffic police, but also employees of the Ministry of Emergencies and the police.
- Try not to change the picture of the accident: do not touch the car, do not wash off the brake lanes and other traces.
- Do not enter into a discussion with the person who turned out to be an accomplice in a traffic accident. If you make attempts to negotiate with an opponent, then CASCO will regard this step as a deception of insurers and will immediately refuse you.
- Follow the correct compilation of the traffic police protocol. It should reflect all the details of what happened so that the insurer does not have additional questions. No lengthy and twofold formulations are needed.
- Inspect the place of emergency for the presence of surveillance cameras. They will help clarify the situation. The name and number of such a camera should also be recorded in the incident report.
- After drawing up the protocol, you need to notify the company. You must be the first to report that an insured event has occurred.
- Provide documents for processing payments, the full list of which is specified in the contract, as well as and a certificate issued to you by the police or other government agencies, such as the Ministry of Emergencies. In this paper it will be noted that the fact of the insured event was recorded. Copies of documents and a receipt on the date of acceptance by the insurer must be kept.
- Release access to the car so that CASCO employees can conduct an appropriate examination. The best option would also be to obtain a copy of the certificate of this procedure in person at hand, so that you have written evidence of all the damage that insurance should cover.
- After completing the documents, you need to know the number of your case, date of registration and deadlines.
- Do not forget to periodically find out about your business so that the insurer does not delay the payment.
If something does not suit you, then you can conduct another examination, naturally having a copy of the certificate of damage from the insurer on hand. How to get a refund on CASCO in this case? If the payment is delayed, you can send a claim to the company. If CASCO has paid you monetary compensation, the amount of which is less than what is required by the contract, then you can challenge this decision in court.
In what cases can a refund be refused?
An insurance company can refuse only within the framework of a drawn up contract. That is why it is important to read every paragraph of this legal document. Failure can be obtained if:
Situation Failure conditions Output Violation of traffic rules The insurance contract may contain a clause in case of a serious violation of traffic rules that occurred due to the fault of the insured. Follow the rules on the road and carefully read the clauses of the contract. Misuse of vehicles The driver can only ride in a working car, which must be confirmed by MOT. If you did not pass the technical inspection on time, then most likely you will not be able to recover the damage. Timely monitor the condition of your car. Invalid car owner actions CASCO will not be able to compensate you for damages if you write a voluntary waiver of the damage done. In this case, there will be no criminal cases open, so the insurer will not be able to recover funds from the person responsible for the accident. Do not succumb to panic and fear, as well as pressure from the opponent. Your rash statements can lead to a denial of damages, because there are no culprits, legally. Deferred Statement The car owner can be accused of fraud if he does not report in time about the damage to the car when he found them. For example, that a car’s wing was scratched in the morning, and not now, when the owner was able to pack up and inform the insurer. Call the traffic police immediately at the scene of the accident or at the moment when you find damage. You have already repaired the car It is impossible to collect money from insurers upon the fact of already carried out repairs. They will refuse you, because there will now be no opportunity to assess the entire amount of damage done. Do not repair before examination Double wording of the contract In an already drawn up contract, you should know all aspects of insurance. You can ask to include or exclude from the contract the items you need. For example, the phrase in the contract: the reimbursement for the car theft and the traffic police wrote in the traffic police report “the car was stolen”, the insurer will interpret in different ways, since theft and theft are not identical concepts. It is important to immediately clarify all interpretations and incomprehensible points. For example, it may be written there that "you have not taken all necessary and reasonable measures for operation." Write down everything specifically, as your compensation in the event of an emergency depends on this. Amount and terms of payment according to CASCO
The size and terms of payment of insurance compensation under CASCO depend on the contract you have drawn up, since they are dispositive. This means that you and the insurer yourself agree on these figures, and no legislation regulates them.
The terms can be found in the insurance policy of the company or CASCO policy. Usually it all depends on the nature of the insured event. For example, in the Ingosstrakh company under the CASCO policy, in case of an accident, the car owner can submit an application within 7 days, and the payment and consideration deadlines will be 15 days. Alfastrakhovanie gives 5 days to file an application and 15 days to pay and consideration, etc.
Obviously, the average value is as follows: 15-20 days after the policyholder transfers the entire package of documents. The amount of the CASCO payment is also dispositive, and its amount can be found in the CASCO policy itself.
Important! CASCO policies have a compulsory insurance indemnity limit. For example, if the amount of damage to the car owner is 200,000 rubles, and the limit is 120,000, then CASCO will pay 80,000 rubles, which means no more than 66%.
Therefore, the amount of payment depends on the examination and the amount of the limit established by the policy.
For various emergency situations that occur in the life of motorists, insurance companies do not always readily pay the necessary amounts to cover the damage. CASCO insurance indemnity payment sometimes becomes an impossible task. How to avoid the tricks of the insurance contract and get the necessary funds? Find out more from our review.
CASCO payment terms
CASCO insurance indemnity payment conditions:
- damage recognized as an insured event;
- the policyholder himself declared the incident to the company, or it was done by the heirs or the insured person's agent who has documents certified by a notary;
- the car owner complied with all clauses of the contract;
- the contract is still valid.
Thus, in order not to receive a refusal, you must not only carefully read the terms of this document, but also exclude from it those points that will make you the culprit of what happened. Consider situations of sudden disasters, or emergency situations where your car may be damaged. And also be sure to take care of that clause of the contract that will protect you in case of your violation of the rules of the traffic rules. And, of course, never take any action until the traffic police arrive and call your insurance company.
Lawyer of the College of Legal Protection. He specializes in administrative and civil cases related to traffic violations, compensation for damages, disputes with insurance companies, appeal of decisions and decisions of the traffic police, protection of consumer rights.
Insured the car for hull insurance. Recently got into an accident, went to the insurance to apply for payment. I would like to receive money, but insurance employees said that this is not possible. Only directions for repairs can be given. Is this legal? Can I ask for money instead of repairs?
Unfortunately, it is far from every case that it is possible to receive a CASCO payment in monetary terms instead of being sent for repairs. Let's try to figure out what’s the matter.
The law “On the organization of insurance business in the Russian Federation” says:
Property Insurance Terms and (or) civil liability within the insured amount insurance replacement may be provided (insurance compensation) by providing property similar to lost property, and in case of damage to property that did not result in its loss, - organization and (or) payment by the insurer against insurance compensation for repairs damaged property
That is, the procedure for making insurance payments - in cash or by repair - will depend primarily on the conditions of your CASCO policy and the insurance rules of your insurance company.
Carefully study your policy. In the section “Insurance Compensation Payment Options”, a specific method for resolving the insured event should be indicated. For example:
- repair of the service station in the direction of the Insurer (that is, at the choice of the insurance company in the car service with which it has an agreement);
- repair at the service station at the option of the Insured (that is, at your choice);
- payment for the calculation of an independent examination authorized by the Insurer (in cash).
The specific form of insurance compensation is determined at the conclusion of the CASCO contract and, of course, affects the cost of your policy. Therefore, be careful when buying a CASCO policy and choose not just the cheapest policy, but the method of obtaining insurance payment that is most convenient for you.
Important:
When applying for a CASCO policy, also pay attention to the method of reimbursement - with or without depreciation. If the policy states that the payment is made without depreciation, the insurance company cannot underestimate the size of the payment by subtracting the depreciation from it.If you initially agreed that if the car is damaged, the insurance company will refer you to the service station from your list for repairs, you will not be able to claim a cash payment in most cases, alas. There is an exception to this rule. In clarified:
42. If the voluntary insurance contract provides for the repair of the vehicle at the service station, carried out at the expense of the insurer, then in case of non-fulfillment of the obligation to carry out restoration repairs within the terms established by the insurance contract the policyholder has the right to entrust the repair to third parties or make it on his own and demand from the insurer the reimbursement of expenses incurred within the insurance payment.
That is, you can demand insurance compensation in cash if the insurance company has violated the terms of the organization of repair of your car stipulated by the contract and insurance rules. However, there is a nuance here: the above explanation of the Plenum of the Armed Forces of the Russian Federation implies that you can exact incurred repair costs. Even our personal jurisprudence on this issue is contradictory: sometimes in case of violation of the deadlines for sending repairs, the courts collect insurance payments according to the report of an independent appraiser, and sometimes they refuse with reference to the absence of confirmed actual costs of repairs.
Output: Before making an independent assessment and going to court, take an interest in existing jurisprudence in your area. If the payment is recovered only at the actually confirmed costs, first you have to do the car repair at your own expense, collect all the contracts, checks, repair orders, and only then demand the reimbursement of these amounts from the insurance company.