Practice shows that procedure of reception of compensation under the policy or the insurance contract is connected with loss of time and weight of difficulties. As it is necessary to arrive at road accident that the insurance company did not have occasions to refuse to you in payment and what to do, if it nevertheless shirks performance of the obligations.
Practically all offer the client the blessing — insure and live easy. But practice shows that procedure of reception of compensation under the policy or the insurance contract is connected with loss of time and weight of difficulties. Moreover, many insurers in contracts leave to themselves possibilities to “move down” with duties — to pay partially or in general to refuse payment.
However, for the sake of justice, it is necessary to tell that the driver who has broken treaty provisions is in certain cases guilty, for example, has not caused on a place of accident of GAI or with delay has informed the insurance company on the happened.
We have learnt, how it is necessary to arrive at road accident that the insurance company did not have occasions to refuse to you in payment and what to do, if it nevertheless shirks performance of the obligations.
WHAT TO DO, TO RECEIVE THE INSURANCE
Rules of behaviour of the driver who has got to road accident.
1. As soon as possible inform on failure in the insurance company. The matter is that the timely notice on insured event, that is failure, — the basic requirement in insurance. The matter is that the law (item 5 p.1 articles 991 of the Civil code) allows the insurance company to refuse insured in payment if he has not informed the company about happened in due time.
2. Do not shift the car before arrival of GAI and emergency commissioners. It is impossible to do it even in the event that you seriously disturb to movement of other transport. After all, if to get cars moving forward and to break road accident conditions, GAI or to the emergency commissioner it will be impossible to restore an incident picture, and you will not manage to prove correctness of the actions and absence of fault of you. It is fraught with troubles and with the insurance company, both with the insurer, and with the second party-participant of road accident. And change of conditions of failure threatens not only refusal, but also charge in attempt of insurance swindle. But if all the same you are compelled to get cars moving forward road accident — do not despair. The legislation allows to issue road accident without GAI. It is possible in that case when iron has suffered only and there are no disputes between participants of failure. It is possible to make to this road accident independently, on it all interested parties should subscribe and at once it is necessary to approach on the nearest post or branch of GAI for failure registration. The GAI officer in this case will give out the inquiry on road accident.
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