How to get MTPL payments

A feature of compulsory auto insurance insurance is that OSAGO insures not the car, but the liability of its owner to third parties. That is, the policy will reimburse the harm caused to other participants in the movement. The cost of repairing a car caught in an accident is not compensated for by this type of insurance. The money from the insurance will be received only by the injured party, and not the culprit of the accident. The only exception, when as a result of the accident, he can receive payments for OSAGO, is a mutual fault.

On April 19, 2013, the State Duma passed a bill on which payments for OSAGO will increase. Increase of insurance sums will occur in stages from 160 to 500 thousand rubles per victim. Also, payments for damages to property will increase from 120 to 400 thousand rubles. The victims will have the right to choose - to take compensation with money or to repair it at the service station.

It is necessary to understand that in order to quickly and surely receive payments on OSAGO from the insurance company, it is necessary to start acting immediately after the accident. First of all, it is required to correctly draw up an accident, write a statement competently, collect all the references and successfully pass the examination. The more serious the accident, the more time these procedures will take. Any mistake in the execution of documents can be a reason for refusing compensation.

In the case of a serious accident it is important to immediately find the witnesses of the accident. Immediately call traffic police. Before they arrive, inspect the car yourself to know what damage must be documented. If any of them are not reflected, payments for OSAGO in your favor will be lower.

When waiting for the crew to arrive, call your insurance company. Explain the situation to the operator and follow his recommendations. You also need to fill out a second document with a document entitled "Notification of an accident". Do not forget to put the signatures (your own and the second participant) on all copies.

On the day of the accident, you need to receive a certificate form number 748 (on participation in an accident). If a protocol on an administrative offense was drawn up, it is necessary to take a copy of it for submission to the insurer (certify all documents with seals).

As a result, you must appoint a date for the visit to the investigator, who will determine the culprit of the accident. You will be given a ruling on the offense. Do not forget about the timing of payments for OSAGO. Within 15 days after the event, you will need to visit the insurance company payment center, draw up an application and leave the full package of documents (reference number 748, protocol on offense, PTA, vehicle inspection certificate, certificate of registration and passport of the owner of the vehicle, driver's license, bank details for Receipt of compensation). Payments must be made by insurance within 30 days after receiving the documents (or you will be sent a motivated refusal).

According to the legislation, there are always payments on compulsory motor TPL insurance taking into account depreciation. This means that the older the car, the lower the amount will be assessed damage. That is, the amount indicated in the examination is likely to be greater than the one that you can actually get from the insurance organization.