What insured events are included in the comprehensive insurance policy. Features of insurance claims for comprehensive insurance without an accident: a list of situations, registration and methods of obtaining. Terms of payment of compensation

What needs to be done in the event of an insured event under CASCO?

The general procedure for actions in the event of an insured event and all the necessary phone numbers are set out in the "Rules for CASCO insurance" and "Memo to the policyholder", which are handed over to the insurance company along with the policy.
It is imperative that you have the contacts of your insurer with you.
Regardless of what kind of insured event occurred, you must do the following:
1. Report the incident to the competent authorities: to the police (by city phone 02 or by mobile 112); to the "Ambulance", if there are victims (by city phone 03 or by mobile 112), to the fire department, if an explosion or fire has occurred (by city phone 01 or by mobile 112).
2. Report the incident to the insurance company by phone.
3. As soon as possible after the occurrence of the insured event, apply to the insurance company with a statement about the incident.

What documents are submitted to the insurance company in the event of an insured event under CASCO?

In the event of any insured event under CASCO, it will be necessary to provide the following documents to the insurance company:
original insurance policy;
documents confirming the payment of the policy (receipt, payment order, cashier's check, etc.);
a copy of the vehicle pre-insurance inspection report (if any);
insured passport;
general power of attorney (if the owner and the policyholder are different people); original certificate of registration of the vehicle (STS);
technical inspection (MOT) coupon.
Depending on what kind of insured event occurred, several certificates are added to this standard package of documents.

How to act if the vehicle was hijacked (stolen)?

If a vehicle insured under CASCO insurance has been hijacked / stolen, you must do the following:
1. Call the police and report the incident (you must name the make, model, registration number, color and special features of the car).
2. If a satellite anti-theft system is installed on the vehicle, report the incident to the dispatcher. In this case, it is necessary to record the name of the dispatcher and the time of the call.
3. Report the incident to the insurance company by phone.
4. As soon as possible after the occurrence of the insured event, contact the insurance company and write a statement about the occurrence of the insured event.
5. If the car was purchased on credit, it is necessary to send a written notification about the theft to the bank.

What are the actions in case of an accident?

1. Stop the car and turn on the hazard warning lights.
2. Install a warning triangle. Within the city - at a distance of 15 m, outside the city - at a distance of 30 m.
3. If people have been injured in an accident, it is necessary to help them and call an ambulance. If the situation is urgent, measures should be taken to deliver the injured by passing transport to the nearest medical facility. An ambulance can be called from a city phone number 03, from a mobile phone - 112.
4. Write down the full name, passport and contact details of the other participant in the accident, as well as the data of his insurance policy for OSAGO. If he is not the owner of the car, it is necessary to rewrite the information about the owner from the vehicle registration certificate and find out the contact details of the owner.
5. Write down the full name, passport and contact details of the accident witnesses.
6. In the presence of witnesses and another participant in the accident, conduct a video or photograph. It is necessary to record: all damage to the vehicle involved in an accident, the position of the vehicle relative to each other, the position of all objects and traces related to the accident. 7. Call the traffic police inspector (from a landline phone number 02, from a mobile phone - 112).
8. The traffic police inspector who arrives at the scene of the accident must, together with the participants in the accident, draw up a diagram of it and record all visible damage caused by the vehicle. Also, the traffic police inspector must point out the possibility of internal damage to the car.
9. Participants in an accident must receive all the necessary documents from the traffic police inspector.
Important: Do not move cars that have been involved in an accident, or items related to the accident, until the arrival of the traffic police inspector or before drawing up an accident diagram. If, as a result of an accident, a traffic jam has formed on the roadway, you can move the vehicle, but only after drawing up a road accident diagram.

What documents should a traffic police inspector draw up at the scene of an accident?

The traffic police inspector must draw up the following documents at the scene:
protocol on an administrative offense;
certificate in the form No. 748 indicating all received damages;
road accident diagram;
inspection protocol indicating damage to the vehicle;
testimonies of all participants and eyewitnesses of the accident.

What documents need to be obtained from the traffic police inspector at the scene of the accident?

Each participant in an accident must obtain the following documents from the traffic police inspector at the scene of the accident:
a copy of the protocol on an administrative offense;
certificate in the form No. 748 indicating all received damages.
In case of withdrawal of a driver's license from a traffic police inspector, you need to obtain a temporary permit for the right to drive a vehicle

What should the client do after the arrival of the police officers, if his car was damaged as a result of the actions of third parties?

It is necessary to wait for the arrival of the police officers and make sure that all circumstances are correctly reflected in the protocol of the inspection of the scene of the incident.
Important: The protocol should clearly state that the damage occurred precisely as a result of the actions of identified or unidentified (unknown) persons.

What documents should a client write / receive at the police station if his car was damaged as a result of actions of third parties?

It is necessary to submit an application for damage to property to the Department of Internal Affairs. After it is registered, it should be given a notification coupon, which is confirmation of the acceptance of the application. Then in the Department of Internal Affairs it will be necessary to obtain a copy of the order to initiate a criminal case / to refuse to initiate a criminal case. Also, the client must receive a certificate of the fact of illegal actions of third parties.

What should you do if your car is damaged by a natural disaster or falling object?

If the car was damaged by a natural disaster (hail, flood, hurricane, earthquake) or any object (tree, icicle) fell on it, the client needs to:
1. Stop the car, turn on the hazard warning lights and put up an emergency stop sign (if this happened while driving).
2. Call the police officers (from the city phone - 02, from the mobile - 112).
Since this incident is not an accident, it is not necessary to call the traffic police.
3. Report the incident to the insurance company by phone.

What documents need to be written / received at the Department of Internal Affairs if the car was damaged as a result of a natural disaster or falling object?

It is necessary to submit an application for damage to property to the Department of Internal Affairs. After it is registered, they must issue a notification coupon, which is a confirmation of the acceptance of the application. Then you need to get a certificate of the fact of damage to property (according to form No. 3).
Important: If the certificate states that "Damage was caused under unknown circumstances", this may serve as a basis for refusing insurance payment.

What documents should be obtained from the Hydrometeorological Service if his car was damaged in a natural disaster?

It is necessary to obtain a certificate from the Hydrometeorological Service stating the date and time of the natural disaster.
Important: This certificate is paid, you can submit a payment receipt to the insurance company.

What documents must be submitted to the insurance company in case of theft / theft of a vehicle?

When an insured event occurs, the insurance company must be provided (in addition to the documents specified above):

a certificate in the form No. 748 indicating all the damages received (the participant of the accident must receive this document from the traffic police inspector);
a copy of the protocol on an administrative offense (this document must be obtained from the traffic police inspector by the participant of the accident);
a copy of the decision in the case of an administrative offense (the participant in the accident must receive this document from the Analysis Group);
a determination to initiate an administrative offense case (the participant in an accident must receive this document from the Analysis Group);
the result of a medical examination (if any).

What documents must be submitted to the insurance company in case of damage as a result of the actions of third parties?

When contacting the insurance company in case of damage as a result of actions of third parties, it is necessary to provide (in addition to the standard package of documents):
statement of an insured event in the form of an insurance company;

a copy of the order to initiate a criminal case / to refuse to initiate a criminal case (this document must be obtained from the Department of Internal Affairs).

What documents need to be submitted to the insurance company in case of damage caused by a natural disaster?

When contacting an insurance company for damage caused by a natural disaster, you must provide (in addition to the standard package of documents):
statement of an insured event in the form of an insurance company;
a certificate of the fact of damage to property (this document must be obtained from the Department of Internal Affairs);
a copy of the decree on the initiation of a criminal case / on the refusal to initiate a criminal case (this document must be obtained from the police department);
a certificate from the Hydrometeorological Service.
Then you need to get a referral from the insurer to inspect the car. The inspection can take place both in the insurance company itself and in an appraisal or expert company authorized by the insurer. At the appointed time, provide the car for inspection.

What documents do I need to submit to the insurance company for fire damage?

When contacting an insurance company on the risk of "Fire", you must provide (in addition to the standard package of documents):
statement of an insured event in the form of an insurance company;
MOT pass;
a certificate of appeal to the State Fire Inspection Service indicating the cause of the fire and the decision taken (in the case of sending the investigation materials to another law enforcement agency - a document from this agency).

What documents must be submitted to the insurance company in case of damage to life and health?

When contacting the insurance company for the risk "Accident in the vehicle cabin", you must provide (in addition to the specified documents):
a copy of the traffic police protocol indicating the harm to the life and health of the victim;
a copy of the traffic police protocol indicating the victim;
the conclusion of the medical institution indicating the date and nature of the injuries and injuries received by the victim;
the conclusion of the VTEK (Medical and Labor Expert Commission) in the event of a disability;
a copy of the death certificate (in the event of the death of the driver or passenger).

CASCO, actions in case of an insured event CASCO

Go back to Insured event

The situation in the car insurance market at the moment is ambiguous. CASCO insurance policy has risen in price literally at times. At the same time, many insurance companies with a seemingly impeccable portfolio have ceased their activities in this market. All this leads to more frequent refusals of the consumer from hull insurance. But there are situations when one cannot do without this type of insurance: a car loan, the inability to put a new expensive car in a guarded parking lot, etc. Naturally, when paying for an expensive service, the insured must know about his rights and be most fully informed about all the nuances of insured events. Often insurance companies do not explain the "full layout" to the client. The reason for this is simple: any payments are unprofitable for the insurer, the company should remain in the black. But any sane person, insuring a car under CASCO, always thinks how to "recoup" the money invested in the policy. Therefore, it is important to know the algorithm of actions, the necessary documentation and your rights when an insured event occurs under CASCO. And, in fact, what exactly can be considered an insured event.

Standard list of insurance claims for comprehensive insurance:

Road accident;
Theft (vehicle theft);
Damage to the car, as well as additional equipment as a result of collision with an obstacle, actions of third parties (illegal or negligent).

The list of additional equipment (for example, wheels, disks) is usually prescribed when drawing up an insurance contract.

As a rule, the price of insurance increases with more insured additional equipment;
Complete destruction of a vehicle as a result of intruders or natural disaster. But, if you consider the elements, you should carefully re-read the contract with the insurance company. Often natural disasters fall under the circumstances of force majeure. In this case, the insurer does not make payments.

The following are considered insured events under comprehensive insurance without an accident:

Hitting an obstacle (for example, a parking post, a fence) without prejudice to third parties;
Damage to the car without the participation of another vehicle (for example, damage to the paintwork with a sharp object, punctured tires, broken glass, etc.);
Accidental damage to glass elements of the car (headlights, windshield): as a rule, chips from flying off the road surface, etc.

An insured event under CASCO without certificates is usually minor damage (for example, glass elements). In this case, it is enough to drive up to your company to inspect the vehicle and the damage is recorded in place. Sometimes, if the company's expert decides, damage to the paintwork can be included in the list of insignificant ones. As a rule, if there are no obvious consequences of a collision with another vehicle.

In other cases, it is necessary to call the emergency commissioner. Acts of vandalism or theft against a vehicle must be recorded by the police.

Actions of the owner of the comprehensive insurance policy in case of an accident and other insured events

What to do when an insured event under CASCO has occurred is a natural question for the owner of the policy. The algorithm is fairly standard. But the insurer does not always describe it in detail when issuing a CASCO policy.

Therefore, here is a list of necessary actions in case of an insured event:

Calling an inspector or emergency commissioner to record the incident.

Do not rush to call the commissioner if you do not admit guilt. Payment for his services usually falls on the initiator of the call;
If you do not plead guilty, do not rush to file an accident as a CASCO insurance event. With subsequent insurance, each request for CASCO automatically increases the personal rate. Therefore, if there is an opportunity to compensate for the real damage under the OSAGO of the culprit of the accident, it is better to use it;
Under the new rules, the emergency commissioner submits an accident plan with the signatures of all participants to the traffic police. But the participant in the accident should take the documents and hand them over to the insurance company;
If there is no dispute about guilt among the participants in the accident, the scheme of the incident can be drawn up independently;
Notify the insurance company about the accident within the terms specified in the contract. As a rule, no more than 3 working days are allotted for notification;
The car is provided for inspection by the insurance company. The insured participates in the inspection together with the agent, writes a statement, provides documentation on the incident;
Within the terms established by the contract, the insurance company must provide the insured with a document on the direction of the car for repair or monetary compensation (at choice), or the conclusion of the expert commission on the refusal of compensation for damage.

Required documents in case of a CASCO insured event:

Identity document;
Originals and copies of the driver's license and vehicle registration documents;
CASCO policy, CTP policy (usually, they look at the validity period);
Accident scheme, certified by the traffic police;
In case of theft, you must provide the remaining vehicle keys, chips, alarm key fobs;
In case of hijacking, a copy of the statement on the initiation of a criminal case is also required.

It should be noted that the insurance company may additionally require its own package of documents if such a need arises.

Do you need a CASCO policy or you can do without it: each driver weighs his own risks himself.

But the car owner who decides to insure the vehicle under CASCO must remember the simple rules:

Choose a company that has been operating in the insurance market for several years and has a reliable reputation;
Carefully read the insurance contract, discuss all the nuances before signing the contract;
Remember the algorithm of actions in the event of an insured event. Do not hesitate to contact your company if in doubt;
Pay close attention to the clauses of the agreement, which indicate the cases in which insurance is not paid for CASCO (the list is fairly standard, but companies have their own characteristics).

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Insurance companies strive to minimize losses and the number of litigations with clients. To do this, in the CASCO rules, they indicate an exhaustive list of exclusions from insurance coverage. What exactly will the insurance company not pay for?

Each company forms such a list based on its own practice, therefore it is impossible to list all the existing reasons for refusing to pay. However, there are a number of cases where the insurance company is guaranteed not to compensate for the damage.

Standard List

First of all, it is worth mentioning standard exceptions. By the way, they are regulated not only by the terms of insurance of a particular company, but also by insurance legislation. No auto insurer will compensate for any damage caused by the events below.

Exposure to radiation.
Popular unrest.
Military activities.
Nuclear explosion.

In addition, you should not expect to be paid when the vehicle has been requisitioned or confiscated by government authorities. If the representative of the state had sufficient powers, and his actions do not contradict the law, the insurer will refuse to compensate for the damage resulting from such actions.

This also includes cases of lost profits and commercial losses of the car owner, for example, due to the downtime of a damaged car.

Along with the events described, it is worth mentioning cases of damage to a technically faulty transport. If the policyholder has violated the rules for operating the car or has not passed the mandatory technical inspection, he will be denied compensation for damage.

The same result will be in the case of transfer of the car for rent or lease without the knowledge of the insurer. In addition, the car owner will not be reimbursed for damage when using transport in competitions or trials, if such an opportunity is not provided for by the terms of the contract.

Policyholder actions

An unconditional basis for refusal to compensate for damage is deliberate damage to the car by the insured or his representative. In other words, the car owner will definitely be denied payment if he deliberately provoked the accident. True, this requires strong evidence, in particular the conclusion of the trace examination examination and testimony.

If the car is damaged due to the fault of third parties, you should not abandon claims against such citizens, because otherwise the insurer loses the right to subrogation. If the insurance company is deprived of the opportunity to make a claim to the perpetrator of the accident, the insured will have to pay for the repairs on their own.

In addition, the insurer will refuse to compensate the client for damage if the car is damaged under the following circumstances:

Using the car for criminal purposes.
Using an open flame when warming up the car.
Driving a car without a driver.

Some insurance companies classify as exceptions cases of gross violations of traffic rules, for example, going to a railway crossing with a prohibitive traffic light.

Another reason for refusal is the abandonment of the road accident site. If the policyholder made a collision with another vehicle or with an obstacle, and then fled from the scene of the accident, he should not count on compensation under the CASCO agreement.

Loading and transportation

The car owner is not compensated for damage caused by damage to the car when loading onto other vehicles and unloading. In addition, accidents during the evacuation or towing of a car are not covered by the insurance coverage under the CASCO agreement.

Special attention should be paid to cases of damage to transport during loading, unloading or transportation of any things. Such damage is non-refundable. In other words, the car owner will not be paid anything if the car was damaged due to the spontaneous movement of bulky cargo inside the cabin or trunk.

Theft and theft

Many companies consider the theft of certain elements of the car as an exception to the scope of insurance coverage.

In particular, the insurer will refuse to recognize the theft of parts as an insured event if they were stored separately from the vehicle.

In addition, theft of the following items is not an insured event:

First aid kit, tool kit, fire extinguisher.
Mud flaps, wiper blades.
License plate, car emblem.
Keys, trinkets, documents.
External spare wheel.
Warning triangle.

Along with this, the insurer will not pay compensation for the stolen awning. Damage to this element of the machine due to the actions of intruders is also not an insured event. Accordingly, if a long-term parking of the car is expected, it is worth taking care of the safety of the awning.

It is noteworthy that insurance companies do not compensate for theft or theft of the anti-theft system. However, in some cases, payment is still possible, but only if the car owner has insured such a system as an additional equipment.

Poor service

Exceptions include all incidents resulting from errors in the repair or maintenance of the vehicle. Therefore, the reputation of the car service must be carefully checked before starting repair work. After their completion, if possible, it is necessary to check the operation of all units and components of the machine.

Also, damage to the vehicle during the washing process cannot be recognized as an insured event. True, the car owner will be paid compensation if it is known for certain which of the car wash employees damaged the car.

Moreover, such a citizen must fully admit his guilt.

In addition, it is worth mentioning factory defects. If the insurance company proves that the damage to the car was the result of a manufacturing defect, the policyholder will not be paid anything. In this case, claims should be made to the automaker, because it is he who is guilty of damaging the car.

Normal wear and tear

Policyholders often complain about the refusal to repair certain minor damages. Meanwhile, they forget about the normal wear and tear of the car. Continuous use of the machine will inevitably lead to minor damage to the paintwork and glazing. In particular, most insurers do not pay for the repair of the following defects:

Small chips and scratches on the body and glass.
Corrosion of metal parts.
Thermal destruction of body elements.

Accidents due to the penetration of various objects, animals or water into the internal cavities of the car are equally assessed. In the latter case, it is worth highlighting the water hammer. Such an accident is not an insured event, even when it happened during a natural disaster.

In addition, you should not count on a payment for parts breakage. In particular, if the battery, generator and power supply circuit are damaged due to a short circuit. The insurer will pay for such damage only when it is a consequence of an insured event, such as a traffic accident.

Wheels and tires

As a rule, damage to tires and rims is not a basis for payment when there is no other damage. In addition, if the car owner uses a winter set of tires, it should be insured as an additional equipment. Otherwise, the insurance company will refuse to pay for new tires, even when other elements of the car are damaged in addition to the wheels.

For example, when driving through a forest plantation, field or ice of a reservoir. In the latter case, the car owner will be refused to repair any damage, because a failure under the ice outside the roadway does not apply to insurance events.

The answer to all questions

The above exceptions are typical for most insurance companies, but in any case, you should focus on the CASCO rules of a particular insurer. Each company can change the list of exclusions at its own discretion.

Consequently, some of the exemptions described may not be included in an individual's insurance policy. At the same time, the insurer has the right to add to the insurance terms and conditions additional reasons for refusing to pay. Thus, only a study of the CASCO rules will help to fully understand when an insurance company can legally refuse to compensate for damage.

Also, no insurance company will compensate for moral damage.

Also, the payment will be refused if at the time of the accident the driver was under the influence of alcohol, drugs or drugs, when using which it is prohibited to drive.

Also, all cases of damage to wheels outside the roads are included in the category of exceptions.

Many insurance companies today are ready to provide you with CASCO payments without certificates of the incident from the competent authorities. However, in this case, the client needs to know a number of essential subtleties in order not to get a rejection. In this material, we will talk about the rules of CASCO insurance, which simply need to be taken into account in order not to be left without insurance payments.

A good car has long ceased to be a luxury. The modern car market offers many options: used budget cars, new cars from showrooms, including on credit, imported from abroad. Given the quality of the roads and the driving style of some road users, damage is now the norm, even for very experienced drivers.

A broken mirror, scratches on the body - it is not so expensive to fix all of this separately, but if you calculate the approximate amount that follows in a year, the car can turn gold. CASCO insurance is offered by almost all insurance companies - Renaissance, VSK, Allianz, RESO-Garantia, VTB-insurance, Alfa-insurance and others.

Of course, if you have a minor nuisance on the road, the matter was done with minimal damage, then there is no desire to run around the authorities and collect the necessary pieces of paper. It takes a lot of time and effort.

Most insurance companies are well aware of this, therefore they propose to apply for payment without reference.

Before insuring a car under CASCO, a natural question arises, will such an action entail further problems? And who benefits from the lack of certificates, clients or insurers?

How not to be left without payments?

Before calculating CASCO for a car, you must carefully read the terms of the contract and clearly understand for yourself all the conditions under which the insurer is obliged to compensate you for damage. It is important to understand that without certificates and documents from the competent authorities, the company will only be able to reimburse you for the cost of those damages, the amount of repair of which does not exceed the established limit.

For instance:

Glazing replacement
Headlight repair
Minor damage to the body (up to two parts).
What does Minor Damage mean?

The amount of money paid to the client should not exceed 3-5% of the total cost of the car's hull insurance. In this case, the insurer can also limit it in the total amount (for example, no more than 30,000 rubles).

In addition, the nature of the damage is also taken into account. Some companies can compensate for the chips of the coating without a certificate, but for the body they require special documentation.

The quantitative component also matters. This means that without help, only one element of damage can be repaired (scratches on the body or on the door).

And finally ...

As soon as you can calculate CASCO using an online calculator and choose the most acceptable conditions for yourself, clarify one important nuance. There are seemingly minor damage caused by another car. Most likely, they can be paid without a certificate. If at the same time another car did not disappear from the scene of the accident, but you did not consider it necessary to call the traffic police, you will be denied payment! The CASCO policy contains a clause that the policyholder should not deprive the company of the possibility of filing a regressive claim.

This memo only explains interactions with the insurance company. There is no guidance here on measures aimed at ensuring safety, preserving the health and property of one's own and other participants in the events.

Be sure to keep these steps in mind when following the steps in this checklist.

If damage has occurred as a result of an accident, you must:

Call the traffic police. If the other party offers to “settle the matter among themselves,” and the damage is insignificant, some policyholders do it. But if later hidden damage is found in the car, or the situation worsens in another way, the policyholder will no longer be able to contact the insurance company for compensation.
Notify the insurance company about the occurrence of the insured event. Round-the-clock telephones by which you can contact the representative of the insurance company are always indicated in the policy. It is not uncommon for a driver to experience shock or confusion after an accident. Therefore, tips from an employee of an insurance company regarding actions to register an accident will come in handy. Most importantly, do not forget to write down the name of the employee of the insurance company who accepted the call. This will help in the event that the employee refuses to provide assistance or gives incorrect instructions. The policyholder is obliged to notify the insurer of the accident within a few days from the moment of the accident (most often within 72 hours). The specific period is set by the insurer (specified in the insurance contract). However, if possible, it is better to notify the insurance company directly from the accident scene.
Make a note of the required information. License plates of cars of other participants in the accident, their names and phone numbers, as well as the names and contacts of eyewitnesses. If the policyholder considers himself a victim, it is necessary to find out CTP policy number the culprit of the accident (usually indicated in the certificate of the accident), and also clarify in which company he is insured. Subsequently, the victim in an accident has a choice of which insurance company is more profitable to apply for compensation for damage.
Fill in the "Accident notice"... It is imperative that you complete it correctly and carefully. Failure to fill in the "Traffic Accident Notice" may result in a refusal to pay for an insured event. If other participants in the accident are ready to make contact, it is better to fill in the draft "Notice" together with them. If the other party refuses to jointly fill in this document, you must ask the traffic police officer to make a note about the refusal to cooperate in filling in the "Notice of an accident" in the incident report.
Do not change anything at the scene of the accident until the arrival of the traffic police for no very good reason. Do not remove glass, fragments, debris, various items related to an accident. If possible, arrange a detour around the scene. If for any compelling reason something has to be changed, it is necessary to fix the original location, draw up a diagram, photograph, sketch and describe in the presence of witnesses. The insurance company always carefully treats the description of the place of the accident, the scheme of the accident, as proof of the occurrence of the insured event.
Fix the accident scene with a camera or phone camera. Even if there is no need to change anything at the scene of an accident, it can happen by accident. Therefore, it is necessary to photograph the accident scene from at least four sides. It is imperative to record the position of the vehicles, as well as the injured persons (if any).
After the arrival of the traffic police officer it is advisable to actively participate in the registration of an accident. This will serve as a guarantee that the documents will be drawn up correctly, and the necessary nuances will be included in the protocol and there will be no problems with obtaining the insurance payment. It is necessary to observe how the traffic police officer draws up an accident scheme and what he writes in the protocol. If the policyholder has witnesses to his innocence, their testimony must be entered into the protocol.
You can sign the protocol only after making sure that the scheme, the testimony of witnesses and the explanations of the participants in the accident are recorded correctly. The documents must be completed legibly. If there are corrections, then there should be a note "to believe corrected" with a signature and seal. The documents do not have to be filled in with different handwritings. The accident certificate should not have any stamps (except when corrections have been made). But it must be on a numbered self-copying form. The protocols must include data on the place and time of the accident. Incorrect paperwork can lead to difficulties with compensation for damage.
If the policyholder does not agree with the protocol, he should write “Disagree” on it.
Subsequently, he can bring arguments about his correctness in court when appealing the protocol.
At the scene, it is necessary to obtain the following documents from the traffic police inspector: a copy of the protocol on an administrative offense, a certificate of an accident, a scheme of an accident, a decision on an administrative offense case, explanations of the participants in the accident, testimony of witnesses. In practice, traffic police inspectors often refuse to draw up the listed documents on the spot, and the insured receives them only a few days after the accident has been analyzed. Obtaining insurance compensation is possible only after the above documents have been submitted, in accordance with the rules of CASCO insurance of a particular company.
Hidden damage. Previously, traffic police inspectors could enter the phrase "possible hidden damage" in the vehicle damage certificate if the condition of the car made it doubtful that all damage could be identified on the spot. At the moment, traffic police are prohibited from using this phrase. The insurance company will be guided by this certificate when assessing the damage. Thus, the policyholder should take care of the most thorough examination of the insured vehicle at the scene of the accident. Otherwise, when re-examining the car by an expert, it will be extremely difficult for the car owner to prove that the newly discovered damage relates to the declared insured event. In the worst case, the insurer may refuse to compensate for them.
In case of intimidation, threats, coercion move a vehicle or items related to an accident, pay money on the spot or in any way violate the rules of insurance, you must consult a lawyer of the insurance company.
Come personally to the insurance company and write a claim for damages. The policyholder can do this within the period specified in the insurance contract. At the insurer's office, the policyholder can receive a list of documents that must be collected to compensate for damage. This list may be different for a specific insured event. Documents can be submitted as they become available. Most often, the deadline for submission of documents is not regulated by the insurance company.
The minimum list of required documents for submission to the insurance company:
- Accident notification;
- A copy of the protocol on an administrative offense;
- A copy of the decision in the case of an administrative offense;
- Accident certificate;
- Vehicle registration certificate;
- Driver's license;
- Insurance premium payment receipt;
- Original insurance policy;

Often, we think about the correct procedure for registering an accident only after the incident. Post-emergency stress and ignorance of the simplest rules lead to errors, and the result of such errors is often a refusal to pay. Meanwhile, the algorithm of primary actions after an accident is extremely simple, it is only important to clearly define the circumstances of the accident.

Primary actions depend on the nature of the accident

Depending on the circumstances of the incident, four types of road accidents can be distinguished:

Accident with one participant.
Accident with two participants (Europrotocol).
Accident with two or more participants (NOT Europrotocol).
Traffic accident with the injured.

The last point is made separately, because in the event of a real threat to the life or health of people, action must be taken immediately. In such situations, only human life is a priority.

Accident with one participant - hitting a fence, a lamp post, a wild animal, etc.

1. In no case leave the scene without registering an accident.

Remember that a fence, post, wild animal and other objects are someone's property. If the accident is not properly filed, you may subsequently be presented with a recourse claim. In addition, without police documents, the insurer will almost certainly refuse to repair the car under CASCO.

Do not change the location of the car and objects related to the accident.

IMPORTANT: do not change the location of the car and items related to the accident.
Record the location and damage of the vehicle in a photo or video. Capture the scene of the accident from at least four sides.

4. If an obstacle is created for the movement of other vehicles, remove the car from the roadway.

IMPORTANT: Failure to comply with this provision is punishable by an administrative fine of 1,000 rubles (clause 1 of Article 12.27 of the Code of Administrative Offenses of the Russian Federation). However, before you remove the car, it is useful to coordinate your actions with the police over the phone. Call the traffic police for further instructions.

Depending on the circumstances of the accident, the order of subsequent actions may differ. It is therefore important to obtain further instructions from the competent authorities. Possible directions from police officers:

Remove the car from the road if an obstacle is created.
Or go to the traffic police post or to the police department to complete the documents.
Or wait for the arrival of the traffic police.

6. Fill in the accident notice.

Ideally, you should fill out an accident report directly at the scene. True, in most cases this document can be filled out at the insurer's office when submitting documents for payment or at home.

Accident with ONLY two participants (Europrotocol)

Turn on hazard warning lights.
Remember that you cannot leave the scene of the incident (clause 2 of article 12.27 of the Code of Administrative Offenses of the Russian Federation). If you are not sure where exactly the accident occurred, turn on the navigator and check your location. Alternatively, find out the address of the nearest house and find the nearest highway kilometer sign on the highway.
Place an emergency stop sign on the road.
The distance from the sign to the nearest damaged car must be 15 meters in the village and 30 meters outside the city. Be extremely careful and careful on the road so as not to fall under the wheels of other cars.

Also take a close-up photo of the traces of braking, torn off parts of cars and other items related to the accident.
Find out if there are witnesses to the incident. Ask them to leave their details (phone number, passport details, or something else).

An obstacle is considered to be the occupation of a lane, regardless of the possibility of a detour.

4. Report the incident to the insurance company.

Most often, the CASCO rules oblige you to inform your insurer about the place, time and circumstances of the accident. It is better to do this from the scene of the accident in order to avoid possible problems in the settlement of the loss.

The insurer's phone number is indicated on the policy form. Record the time of the call and the name of the operator who answered the call. If possible, obtain information regarding further settlement of the loss.

5. Issue a "Accident Notice" together with another participant in the accident.

When filling out the "Notice", each driver fills in his own column of the front part (any of his choice - left or right):

IMPORTANT: when issuing a "Notice", it is recommended to use typical road accident schemes, as well as the RSA Instruction.
Use a ballpoint pen.
Write with pressure so the words will print well on both copies of the Notice.
Enter the general data for the traffic accident.
Draw up a road accident diagram with another participant in the accident.
Next, disconnect the "Accident Notice" sheets.
Drivers sign the sheets on the completed side in the corresponding columns at the bottom of the form. Each of them puts two signatures in the corresponding columns at the bottom of the form. In total, each driver puts four signatures: two on the front of each of the severed forms. Only your signature is put on the reverse side.
After that, the participants in the accident fill out separately each part of the set from the reverse side of the "Notice of road accident".

Accidents with two or more participants (NOT Europrotocol)

1. Ensure road safety:

Turn on hazard warning lights.
Do not change the location of vehicles and items related to the accident.
Remember that you cannot leave the scene of the incident (clause 2 of article 12.27 of the Code of Administrative Offenses of the Russian Federation). If you are not sure where exactly the accident occurred, turn on the navigator and check your location. Alternatively, find out the address of the nearest house and find the nearest highway kilometer sign on the highway.
In case of aggressive or inappropriate behavior of one of the participants in the accident, as well as intimidation or threats from him, call the police. Wait for the arrival of the police officers in your car, blocking the doors from the inside.
Place an emergency stop sign on the road. The distance from the sign to the nearest damaged car must be 15 meters in the village and 30 meters outside the city. Be extremely careful and careful on the road so as not to fall under the wheels of other cars.

2. Record the circumstances of the accident:

Record the location and damage of vehicles in a photo or video. Film the accident scene from at least four sides.
Also take a close-up photo of the traces of braking, torn off parts of cars and other items related to the accident.
Find out if there are witnesses to the incident. Ask them to leave their details (phone number, passport details, or something else).
Write down the details of another participant in the accident (passport data, driver's license number, OSAGO policy number, contact phone number).

3. If an obstacle is created for the movement of other vehicles, remove the car from the road. An obstacle is considered to be the occupation of a lane, regardless of the possibility of a detour.

IMPORTANT: Failure to comply with this provision is punishable by an administrative fine of 1,000 rubles (cl.

1 article 12.27 of the Code of Administrative Offenses of the Russian Federation). However, before you remove the car, it is useful to coordinate your actions with the police over the phone. Call the traffic police for further instructions.

Possible directions from police officers:

If there is no disagreement regarding the circumstances of the accident: go to the nearest traffic police post or to the police department to register an accident.
If there is disagreement regarding the circumstances of the accident: wait for the arrival of the traffic police at the scene of the accident or go to the nearest traffic police post or to a police unit to register an accident.

4. Report the incident to the insurance company.

5. Fill in the accident notice.

Traffic accidents with victims

1. If there is a threat to the lives of the victims, arrange for the delivery of victims to a medical facility on the way. If there is no associated transport, deliver the victims with your car (this is allowed by the traffic rules). In the medical institution, provide your last name and license plate number of your car, presenting supporting documents.

IMPORTANT: after that, you must return to the scene.

If there is NO threat to the lives of the victims, call an ambulance and report the incident to the police. Take all possible measures to provide first aid to the injured.

2. Ensure road safety:

IMPORTANT: prompt assistance to victims is more important than traffic rules. In such situations, it is allowed to move the car a couple of meters to provide access to the victim, as well as provide assistance to the injured before installing an emergency stop sign.
Turn on hazard warning lights.
In case of aggressive or inappropriate behavior of one of the participants in the accident, as well as in case of intimidation or threats from him, call the police. Wait for the arrival of the police officers in your car, blocking the doors from the inside.
Place an emergency stop sign on the road. The distance from the sign to the nearest damaged car must be 15 meters in the village and 30 meters outside the city. Be extremely careful and careful on the road so as not to fall under the wheels of other cars.

3. Record the circumstances of the accident:

IMPORTANT: do not change the location of vehicles and items related to the accident.
Record the location and damage of vehicles in a photo or video. Capture the scene of the accident from at least four sides.
Also take a close-up photo of the traces of braking, torn off parts of cars and other items related to the accident.
Record eyewitness accounts of the incident. This is a requirement of the Road Traffic Regulations.

4. Do not move damaged vehicles. If possible, keep the traces and objects associated with the accident unchanged.

Take measures to organize a detour of the accident site.

5. Wait for the arrival of the police and follow their directions.

6. Report the incident to the insurance company.

7. Fill in the accident notice.

In most cases, this document can be completed at the insurer's office when submitting documents for payment or at home. However, ideally, you should fill out an accident report directly at the scene. It is often difficult subsequently to find other participants in the incident to complete their part of the notice. And without this document, the insurance company will refuse to compensate for the damage.

For example, it is extremely important to comply with the terms prescribed in the insurance contract and / or CASCO rules.

Yes, sometimes insurers pay even if these insurance conditions are violated (of their own free will or by court order). However, compliance with the deadlines for submitting documents in any case will greatly simplify the receipt of insurance compensation.

Receiving payment

Remember that the actions described in this section must be correlated with the insurance rules and the requirements of the insurer. Nevertheless, it is possible to distinguish two possible algorithms of actions in the settlement of an accident under CASCO.

If the accident is formalized WITHOUT Europrotocol

2. PObtain police documents confirming the fact and circumstances of the damage to the car. The specific list of documents depends on the circumstances of the accident.

IMPORTANT: upon receipt of the documents, make sure that their content is true. Any corrections must be certified by the signature of the official and the seal.

3. Submit your claim with the accompanying documents to the insurance company. The procedure and terms for submission of documents are governed by the rules of CASCO insurance of a particular company. To facilitate the settlement of the loss, try not to violate the terms specified in the contract and / or insurance rules.

Typical list of documents required for consideration of an application for payment:

Supporting documents from the competent authorities.
Passport.
Insurance policy.
Diagnostic card.
Bank details for transferring payments.

IMPORTANT: this list is not exhaustive. A complete list of documents required for payment must be obtained from the insurer.

Do not wait until all the necessary paperwork is completed. If some papers are not enough, attach to the application documents confirming the fact of contacting the incident. This could be a police slip.

If the accident is registered according to the Europrotocol

1. Do not be rude and do not be rude to employees of the insurer. Representatives of the insurance company often deliberately delay the settlement of losses if the policyholder behaves inadequately when submitting documents.

Attach your copy of the "Accident Notice" and the required documents to the application. Get a complete list of documents required for payment from the insurer. Submit the documents within the time period specified in the Insurer's CASCO Rules, but in any case no later than five working days from the date of the accident.

IMPORTANT: if you become the culprit of an accident, your copy of the "Notice" must be sent to the company where you bought the OSAGO within five days. If CASCO is purchased from another company, the issue of providing a notice to both organizations can be resolved in one of two ways:

Make a copy of the notice, certified by a notary.
Often, CASCO insurers accept a copy of the notice, certified by the OSAGO insurer. IMPORTANT: check with the CASCO insurance company if they will accept such a document.

It is important to remember that this situation is not stipulated by law. In addition, you cannot start repairing (scrapping) a car within fifteen days (not counting non-working holidays) without the written permission of the OSAGO insurer.

3. A typical list of documents required for consideration of an application for payment:

Accident notification.
Vehicle registration certificate.
Passport.
Insurance policy.
Insurance premium payment documents.
Diagnostic card.
Bank details for transferring payments.

Accordingly, the order of actions directly depends on the nature of the incident.

Correctly filing an accident is critical to receiving your CASCO payment. However, do not forget that the collection and submission of documents also require special care.

The main purpose of buying a CASCO policy is to protect yourself and the car in the event of a traffic accident. But an accident is not the only insured event under voluntary insurance. The contract specifies a very wide list of situations in which the policyholder is entitled to compensation. The insurance also covers damage that was caused to the car without an immediate accident.

Insured events include any circumstances in which the insurance company must reimburse losses under CASCO. Their full list and terms of compensation are indicated in the contract.

The risks from which the car is insured are divided into two groups: those that are the result of an accident and those that are not the result of an accident. An insured event without an accident involves causing damage to the car not as a result of an emergency.

The list of such risks is also specified in the contract, and the insurance company in this case has no right to refuse compensation.

List of possible situations

Insured events without an accident involve damage to the car owner and the vehicle.

These may include the following situations:

Illegal seizure of a car and other illegal actions of third parties in relation to transport.
Theft or theft of a car.
Natural disasters. These include various natural disasters: hurricanes, floods, earthquakes.
Fire, combustion or spontaneous combustion.
Falling animals on the car.
Anything falling onto the car that could damage it (stones, icicles, etc.).
Explosion regardless of its cause.

In these situations, the policyholder is entitled to receive compensation. The insurance company cannot refuse to cover damage if the car owner observes all the conditions for registering an insured event.

How to get and get insurance?

If an accident happened, then everything is clear. It is necessary to immobilize the car and fix objects that are related to the accident.

In case of an insured event without an accident, you first need to contact the competent authorities as soon as possible - the Ministry of Emergency Situations, the Ministry of Internal Affairs or the police. You also need to immediately call the insurer at the phone number specified in the contract and report what happened.

The insured event must be completed within three days. The next step is the preparation of documents. In the absence of an accident, protocols of violation, resolutions, numerous certificates, and so on will not be required.

For the correct registration of such an insured event, the following papers are needed:

insured passport;
photos and videos from the scene;
vehicle passport (must be with the owner) or a copy of the vehicle registration certificate;
CASCO insurance policy (issued upon conclusion of the contract);
an application for compensation for damage.

In some cases, other documents may be needed.

In case of a natural disaster, you will need a certificate from the meteorological service, in case of a car fire - from the fire service, in case of theft of a car, you will additionally need to provide keys, an alarm key fob and a chip.

An employee of the insurance company can make copies of documents, as the originals may be required in other instances. The procedure also involves the transfer of documents against signature to an IC employee. The policyholder is left with a list of documents signed by the agent and stamped by the insurer.

If the insurance company, for some reason, refuses to accept the documents, you can send them by registered mail, which will include an inventory and a request for a written response.

It is important to write your application correctly. This is done in any form, or a special form is filled out, offered by the insurance company. The policyholder draws up the document with his own hand. The main condition is the presence in it of all the necessary information, the share of the insurer's consideration of the insured event.

The application must contain:

name of the company (insurer);
Name of the applicant;
contact information;
CASCO policy number;
information about the car;
request for the accrual of funds.

It is important that the document describes all the details of the insured event: time, place, reasons for the occurrence, participants - if any. You also need to indicate the damage to the car and the details of the applicant, if it is supposed to calculate compensation with payment according to the calculation. At the end of the application, the policyholder must indicate the date and sign.

After submitting the documents, you need to provide the vehicle to the insurance company for its inspection. It can be carried out by an emergency commissioner or an auto expert. If the applicant does not agree with the conclusion of the inspection, he must write about it in the act, clearly indicating the reasons for this. After the examination, the insurance company must issue an appropriate document that confirms the amount of damage.

There are two ways to pay out insurance:

Financial compensation. Possible in case of theft or complete destruction of the vehicle. The amount of damage is assessed by an expert examination. The amount is transferred to the policyholder according to the specified details in the way he has chosen. Coverage of the costs of third-party services is usually also considered a cash payment.
Payment for the restoration of the car. In this case, the company representatives take the car to a service station, where it is restored and handed over to the owner. The insurer pays the bills for the services rendered.

The terms of compensation are indicated in the insurance contract and may differ depending on the specific company. On average, they are 15-30 days.

Large insurers usually make payments within two weeks. Smaller companies do this for about a month. It is also worth considering that there may be cases when the insurer will drag out for time until the client begins to demand compensation in a legal manner.

When is it possible to refuse compensation for damage?

Not every case falls under the concept of insurance. The insurance company has the right to refuse compensation for losses in the following situations:

If the driver himself is guilty of deliberately causing damage to the car in order to obtain insurance funds.
If he drove a car in a state of alcoholic or drug intoxication, without a license or with their inappropriate category.
If the driver violates the rules of the contract. For example, if he did not call the employees of the relevant services, provided inaccurate information about what happened, or a receipt was written that he had no claims to the participants in the accident.
If the car owner has committed maintenance violations that have led to critical changes in the operation of important vehicle structures.

An additional reason why a request may be rejected is ambiguous language, including the following:

stealing a car instead of stealing it (these are different concepts);
if the policyholder has not attempted to minimize damage;
when the driver changes the storage conditions of the car without notifying the insurance company;
if the damage was caused by a burning or explosion of a car nearby;
when carrying out special work that provoked defects in the car due to its proximity to it.

Often, controversial situations arise without road accidents. A careful analysis of all clauses of the contract before signing it, clarification of incomprehensible wording and compliance with all the rules for contacting the insurance company will help to achieve a favorable outcome in relation to compensation.

In contact with

Since the introduction of "car insurance", a lot of companies have appeared that offer their services in this area. At the same time, CASCO, which is included in the insured event, describes very vaguely, and the lists of leading insurers are very different from each other.

The controversial aspects associated with this lead people to court, where the proceedings can drag on for a long time. From our experience, we know which insured events are included in the CASCO insurance, and for which you may be denied. At the same time, it is recommended to pay attention to additional options that significantly increase the attractiveness of insurance.

What is included in CASCO for a car

The insurance system is quite complex and has a number of specific subtleties. Most of the companies offering such services allow the client to independently choose, assuming a specific percentage of compensation for this or that damage. That is why the insurance contract must be approached very responsibly, even if it is the so-called "full CASCO". It may have its own additions that are absent in similar documents from other companies.

Everything that is included in CASCO for a car can be presented in the form of a specific list. However, it must be remembered that there are several insurance programs even for one company, which means that some items may change or be absent.

Road traffic accident (RTA). It is a general concept that deals with a specific situation. Some types of damage in an accident are specially carried out in separate points, since other insured events occur on them.
Collision with another car. We are talking about road users in different types of vehicles.
Hitting or hitting an object that can be both static and moving. This item also includes animals and birds.
Car rollover. A separate insurance item that assumes a specific type of damage in an accident.
Fire. Even fire as a result of an accident falls under this paragraph.
Falling objects onto a vehicle. This refers to trees, ice, snow, etc.
A dip under the ice.
Falling into the water.
Ejection of gravel. A separate type of damage resulting from stones or other objects falling from under the wheels of another car.
Unlawful actions of third parties. Asking the question of what is included in CASCO for a car, this item interests people most of all. It includes a number of actions that can be regarded as illegal or violating private property rights.
Explosion.

Important! It should be noted that all of these clauses usually have a standard contract. However, their presence and the percentage of compensation must be negotiated separately so that later there are no controversial issues.

What is not an insured event

In order for the program to start working, an insured event must occur. Legally, there are a number of factors that correspond to the type of damage, but at the same time, money is not paid for them. They are worth considering separately.

Theft cases

theft or damage to the radio;
theft of a license plate, as well as damage to it;
loss or theft of additional equipment outside the vehicle;
theft of a car with open doors, windows and deactivated alarms;
theft of a vehicle with documents, ignition keys, alarm key fobs.

No harm to the car itself

point damage to the paintwork, these include small scratches and chips;
damage to the tire, decorative cap;
theft of any type, if the car is not affected;

Malfunctions

breakdown of parts of components and assemblies;
identification of factory defects;
malfunction of electrical equipment;
failure of the brake system.

External factors

fraud or extortion;
exposure to a nuclear explosion or radiation;
hostilities;
non-return from leasing or rent.

Negligence of the insured

It is this point that is very important to consider when studying what is included in CASCO insurance.

Vehicle use outside the insurance territory.
When using a fire to heat a car or engine.
Damage caused by the transport of dangerous goods, if we are not talking about special equipment.
Using the car in races, trials, competitions, or when teaching driving.
Damage resulting from loading or other means of transportation.
Rough handling of fire or cigarettes that damaged the passenger compartment.
Intentional damage caused by both the driver and passengers.
Driving while under the influence of alcohol or drugs.
Transfer of the vehicle to a third party who is not included in the policy, does not have a driver's license of the corresponding category, drives the car illegally (without appropriate documents).
When leaving the scene of an accident.

Additional CASCO options

Considering what is included in CASCO insurance, it is very important to take into account the additional benefits of certain programs offered by the company. Some of them simply increase the attractiveness of the offer, but there are those whose presence is sometimes considered a must.

The additions include: tow truck services, roadside assistance, collection of documents and certificates, replacement car, for repairs from the accident scene, delivery of directions for repairs, free taxi, 5% payment without certificates, replacement of glass and headlights without certificates, and much more. Each option has specific terms of use and is selected individually.

The CASCO registration process looks quite simple. However, there are many subtleties, additional options and other factors that not only complicate the choice of a particular policy, but also increase its cost. Therefore, sometimes it is better to use the services of professionals who will tell you how it is profitable and easier to purchase what is needed specifically for your purposes.

Standard List

The standard exceptions are worth mentioning first. They are regulated not only by the terms of insurance of a particular company, but also by insurance legislation. No auto insurer will compensate for any damage caused by the events below.

Exposure to radiation.
Popular unrest.
Military activities.
Nuclear explosion.

In addition, you should not expect to be paid when the car was requisitioned or confiscated by a decision of one of the government agencies. If the representative of the state had sufficient powers, and his actions do not contradict the law, the insurer will refuse to compensate for the damage resulting from such actions.

In addition, no insurance company will compensate for moral damage.

This also includes cases of lost profits and commercial losses of the car owner, for example, due to the downtime of a damaged car.

Along with the events described, it is worth mentioning cases of damage to a technically faulty transport. If the client has violated the rules for operating the car or has not passed the mandatory technical inspection, he will be denied compensation for damage.

The same result will be in the case of transfer of a car for rent or lease without the knowledge of the insurance company. In addition, the car owner will not be reimbursed for damage when using transport in competitions or trials, if such an opportunity is not provided for by the terms of the contract.

Driver actions

The unconditional basis for refusal to compensate for damage is deliberate damage to the machine by the client or his representative. In other words, the car owner will definitely be denied payment if he deliberately provoked the accident. This requires strong evidence, in particular the conclusion of the trace examination examination and testimony.

If the car is damaged due to the fault of third parties, you should not abandon claims against such citizens, because otherwise the insurer loses the right to subrogation. If the insurance company is deprived of the opportunity to present a claim to the perpetrator of the accident, its client will have to pay for the repairs themselves.

In addition, compensation for damage will be refused if the car is damaged under the following circumstances:

using the car for criminal purposes;
use of open fire when warming up the car;
driving a car without a driver.

Some insurance companies classify as exceptions cases of gross violations of traffic rules, for example, going to a railway crossing with a prohibitive traffic light.

Also, the payment will be refused if at the time of the accident the driver was under the influence of alcohol, drugs or drugs, when using which it is prohibited to drive.

Another reason for refusal is the abandonment of the road accident site. If the driver made a collision with another vehicle or with an obstacle, and then fled from the scene, then he will not be paid compensation under the CASCO agreement.

Loading and transportation

Theft and theft

Many companies consider the theft of certain elements of the car as an exception to the scope of insurance coverage. In particular, the insurer will refuse to recognize the theft of parts as an insured event if they were stored separately from the vehicle.

In addition, theft of the following items is not an insured event:

first aid kit, tool kit, fire extinguisher;
mud flaps, wiper blades;
license plate, car emblem;
keys, key fobs, documents;
external spare wheel;
warning triangle.

Along with this, the insurance company will not pay compensation for the stolen awning. Damage to this element of the machine due to the actions of intruders, again, is not an insured event. Accordingly, if a long-term parking of the car is expected, it is worth taking care of the safety of the awning.

Poor service

In addition, it is worth mentioning factory defects. If the insurance company proves that the damage to the car was the result of a manufacturing defect, the car owner will not be paid anything. In this case, claims should be made to the automaker, because it is he who is guilty of damaging the car.

Normal wear and tear

Clients of insurance companies often complain about the refusal to repair certain minor damages. Meanwhile, they forget about the normal wear and tear of the car. Continuous use of the machine will inevitably lead to minor damage to the paintwork and glazing. In particular, most insurers do not pay for the repair of the following defects:

small chips and scratches of the body and glass;
corrosion of metal parts;
thermal destruction of body elements.

In addition, you should not count on a payment for parts breakage. In particular, if the battery, generator and power supply circuit are damaged due to a short circuit. The insurance company will pay for such damage only if it is the result of an insured event, such as a traffic accident.

Wheels and tires

All cases of damage to wheels off-road are also included in the category of exceptions.

For example, when driving through a forest plantation, field or ice of a reservoir. In the latter case, the car owner will be refused to repair any damage, because the failure under the ice does not apply to insurance events.