Repair of MTPL

More recently, insurance companies have begun to offer not only an insurance premium payment in the event of a road accident, but also an opportunity to repair a car in a specialized workshop with which insurance companies enter into agreements. Thus, the owner of a damaged car gets rid of the need to look for a service point, choose spare parts and monitor work. Everything that concerns such repairs will be described in the article.

Pros and cons of MTPL repair

Repair carried out in the framework of OSAGO has its own shortcomings and advantages. Advantages are:

• Short repair time (this is due to the fact that the maintenance station will receive money only after the repair of the car and will try to execute it as quickly as possible);
• No need for an independent repair organization.

Among the shortcomings noted:

• Impossibility of personal receipt of insurance premium;
• The likely low quality of the repair work (insurance payments, as a rule, do not suffice for the production of repairs completely);
• Inconvenience in choosing SRT (only a few stations work with this kind of repairs, and not all of them are located in convenient places).

Evaluation of a car after an accident

This service is carried out to assess the cost of damage caused to the car as a result of a traffic accident. The evaluation is carried out in several stages.

• Preparatory. It provides for the resolution of all controversial issues arising during the evaluation, the formation of possible issues.
• Inspection of a damaged vehicle by an expert technician with the preparation of a photoreport. Then an inspection report is drawn up .
• The specified expert calculates the cost of repair repairs and specifies the specific amount to be paid to the injured car owner.
• If a car with an "age" of less than five years has fallen into an accident, it also calculates the loss of its market value. It must be paid for separately.
• Also, the expert should calculate the cost of the car in the whole state. This is in order to see whether it is expedient to repair it with large-scale damage.
• Calculate the leftovers in the event that the car is not subject to repair. This is calculated in this way. If the cost of an entire car is one hundred thousand, and repairs cost ninety thousand, then, accordingly, repair is inexpedient. The leftovers of the car for the sum of forty thousand. That is, sixty thousand will be paid.

To assess the car, you need the following documents:

• Certificate of Incident on Form 748;
• Certificate of registration of the vehicle or vehicle;
• Documents showing previous repairs.

Insurance payments after an accident

Until now, not all car owners understand the meaning of this insurance. The bottom line is that the insurance company undertakes to compensate for damage to third parties, which the owner of the insured car caused . That is, the insurance premium is paid directly to the victim. If there is a fault of both parties, the OSAGO is paid proportionally to the harm caused.

Insurance is paid in strictly defined amounts. If the amount paid is not enough to cover the repair, the remaining part must be paid by the culprit of the accident. In this case, the expertise of the vehicle is best done with the participation of the latter, so that later there are no disputable situations.

After an accident, you should not hesitate to contact the insurance company. Those who believe that it is simple enough to call there and the company will make a payment of damage are naive.

Immediately after the incident, it is necessary to carefully inspect the site of the collision and to find witnesses who write down all their contact details. If possible, it is best to photograph the specified territory.

Then you need to call the police. After alerting law enforcement officers, proceed to a thorough inspection of your vehicle. If a police officer does not indicate any damage in the completed report, then in the future it will be difficult to prove his presence.

After the inspection, inform your insurance company about the occurrence of the insured event and fill in the notification of the accident. Having received the certificate, you can leave.

Then you need to collect all the documents on the road accident, including the protocol and notice, take the documents for the car and provide them to the insurance company. She will also need the bank account details to transfer the payment. Missing documents can be brought later, but it is important to observe the date of writing the application - fifteen days from the time of the accident.

Terms of repair of a car after an accident

As already mentioned, the owner of the car may not receive payment, and repair his car for the amount of insurance, that is, perform repairs on OSAGO. But here it is worth considering that it will not be possible to select the maintenance station personally and to control the repair process. But you do not have to wait long for your turn.

After the insurance company receives an application for payment of the insurance premium, it must give the victim direction for car repairs. In this direction, the maintenance station is indicated. After that, he needs to arrive at this station, where the car will be inspected and the deadline for the production of repair work is determined. A mark is also made about this in the direction. As a rule, it does not exceed seven days. The term can be changed by agreement of the parties and with the obligatory notification of the insurance company.

Thus, only the owner of the car can decide whether to pay him an insurance premium or repair the OSAGO. In all there are pluses and minuses.