Problems getting car insurance payments

In addition to the compulsory insurance CTP, many car owners have now become a policy and Hull. It gives them confidence that in the event of an emergency related to an accident or causing other damage to the car, they can rely on the indemnity which will cover the damage done. Regardless of whether the fallen tree to your car or unknown stole a car tire as soon as you have purchased expensive wheels, you can safely rely on the indemnity. But it is in theory but in practice, unfortunately, sometimes things happen differently. Uncommon situation where the car owner, turned to the insurer when the insured event, if you do not get rejected, then intentionally delaying payments owed him money. As an option - he gets paid, but the amount it is much lower than it should be. In practice, this variant is the most common - the insurer pays a much lower amount than that claimed by the insured to be received. However, it is worth saying that in such situations are often guilty of unscrupulous motorists. Uncommon practice, when the enterprising owner of the car got in an accident by trying to solve their insurance company's long-standing problems and to repair the damage that does not result from an accident. It is worth noting that all the damage to the vehicle at the time the insurance contract required it fixed, but it does not stop the car owners looking to cash in wherever possible. Situations where insurance companies refuse to pay directly, are much smaller. Most often the basis for such denial serves alcohol or drugs in which there was a driver at the time of the accident. Another case - for driving a car in the time of the loss was a person, not a refinement of an insurance policy. There is also a list of events that relate to non-insurance, and payments for which no provision is an insurance contract. This car factory marriage, as well as damage caused by a car as a result of careless actions of the owner or his family. Grounds for rejection may be more, especially when it comes to affordable types of insurance. At this necessarily should pay attention to signing a contract. The information set forth in paragraph for exceptions in cases that relate to insurance. Special care should be taken to acquire the policy, which does not recognize the insurance case an accident that occurred due to violation of traffic rules by the insured. In fact, the policy, which has a similar restriction, protects its owner from theft of the vehicle only. However, there are a lot of cases where the policyholder has the right to payment and still get rejected. What to do in this situation? The first step in this case, the motorist should be to get out not only verbally but also in writing. Further, the insurer may write a letter to the insurance company, in which he clearly outlined the claims and he will describe in detail the subject matter. The letter must also set out the requirements of the insured for compensation for damages. If the insurer believes he is right, he may also file a complaint with FSNN (Federal Insurance Supervision Service), which supervises the execution of the insurance companies of commitments. Apply to FSNN can also personally. It should be understood that FSNN has no authority to bind the insurance company to make payment in full, but if the validity of claims of the insured may revoke the license of the insurer. In order to get the attention of state authorities, civil appeal on violation of his rights relating to car insurance, is sent to Rosstrakhnadzor, in writing, to an established pattern. The letter should contain not only reliable data about the insured, but also a list of documents which were sent them to the insurance company. You can send it by registered letter or by using a courier. Often these actions are enough to resolve the issue of payment to the great satisfaction of the insured. It is worth noting that the leading insurers who value their reputation, as a rule, prefer not to go to court and resolve all disagreements in the pretrial order. In this case, a legally competent actions of the insured would help him to avoid loss of time associated with litigation.