They pay money or make repairs on hull insurance. Everything you need to know about casco payments: terms, amount and other useful information. Casco repair

Buying a CASCO policy today is almost the only way to get it when insured event money, not referrals to the workshop. As you know, after an accident, as part of a car liability insurance, insurance companies in most cases issue customers a referral for repairs.

Yes, there are exceptions listed in clause 16.1 of article 12 of the Federal Law "On OSAGO". In particular, you can get money instead of repairs in the event of total loss of transport, in the event of the death of the victim, in the event of moderate and serious harm to the health of the victim. In the last two cases, it is assumed that the victim is the owner vehicle.

Under the CASCO policy, the client almost always has the right to choose. And only he decides how the damage will be compensated, in money or in kind, that is, by repairing the insured vehicle at the service station. And here the question arises, which form of compensation for damage is more profitable for the car owner.

Advantages of repair at the workshop

This form insurance compensation - ideal for owners of new cars that are under warranty. True, only if the insurance company has an agreement with a dealer who is the official representative of the automaker.

At the stage of calculating the cost of the policy, it is necessary to find out whether the auto insurer has an agreement with the workshop where the car undergoes warranty service.

Repair in third-party car services is fraught with the subsequent removal of the vehicle from the warranty, therefore, if the insurance company does not have a contract with the right dealer, it is better to choose it as a form of insurance compensation cash payment.

When the vehicle warranty period has passed, the criteria for choosing a workshop become less stringent. It is enough to make sure that the insurance company has contracts with auto dealerships. At the same time, it will be useful to visit a service station to ask if the service station has any problems in cooperation with the insurance company.

For example, some insurers tend to delay the approval of the list of necessary work and are late in transferring money for repairs. It is better to stay away from such companies, but if the owner of the car is very much attracted by the price of CASCO or insured in a certain company at the request of the bank, then instead of repair, you need to choose a cash payment.

If the employees of the dealership service station have no claims against the chosen insurance company, then you can safely choose repair instead of payment.

In this case, you must definitely familiarize yourself with the rules of voluntary car insurance.

They should not contain a condition that, in the event of repairing a vehicle, the insurer applies the wear rates. If there is such a clause, the owner of the car will have to pay the difference in price between the used damaged part and the new spare part.

Benefits of Cash Payout

This option of insurance compensation is suitable for used cars without a factory warranty, as well as for those car owners who live far from large cities, therefore, they do not have the opportunity to use the services of an authorized dealer's service station.

For example, in the same Republic of Crimea, there are practically no top car brands, so residents of the peninsula should seriously think about which insurance compensation option to choose when signing a voluntary car insurance contract.

Residents of remote Siberian settlementswhere car owners carry out any repair of transport on their own or through "garage" car services.

Accordingly, the main motive for choosing money instead of repair is the absence of dealerships within reach.

It is problematic to deliver the car to a car service located one hundred to two hundred kilometers from the place of residence of its owner, especially when the vehicle cannot move on its own. Of course, some insurance companies pay for the services of a tow truck, but usually only for the delivery of the car from the accident site to the parking lot or to the service station.

And even if the insurer undertakes the costs of delivering the car to a remote car service, it is time-consuming. That is, repairing a car will take more time compared to a situation when the owner of the vehicle receives insurance compensation in cash and organizes repairs on his own.

Why do insurance companies prefer repairs over payments?

Everything is very simple. In the last decade, insurance fraud in Russia has become so widespread that the state was forced to add a special clause to the Criminal Code concerning this particular type of crime. With an insurance indemnity in the form of car repair at a service station, the risk of fraudulent actions on the part of the client is minimized.

It is problematic to engage in fraud when the contract involves car repair. In this case, the crooks need not only to competently falsify the incident that led to the damage to the car, but also to negotiate with the workshop staff, which seems unlikely when it comes to an official dealer of any car brand.

Accordingly, managers of insurance companies always treat with some suspicion those clients who insist on including in the contract the possibility of receiving a cash payment. As a rule, such contracts are more expensive than contracts providing for the repair of insured vehicles.

This is another disadvantage of choosing a cash payment as a form of insurance compensation.

In addition, upon the occurrence of an insured event, the experts of the claims settlement department more carefully examine the cases for which the payment of monetary compensation is pending. Often they order a traceological examination, which leads to an increase in total term consideration of the payment case.

Thus, if there are official dealers near the place of residence of the owner of the car, it is better to choose repair instead of payment. This will help you to get a repaired car in the least amount of time.

Every driver concerned about the safety of his car is looking for any opportunity to protect it or at least reduce the risks or damage in an accident. Of course, there is an OSAGO insurance policy, but it cannot always compensate for damage in an accident - its upper limit of payments is only 400,000 rubles.

One of the best solutions for the owner of an expensive car will be the issuance of a CASCO policy. CASCO is an additional voluntary insurance agreement that is fully aimed at a vehicle. And, as a rule, in the event of an accident, the driver receives compensation for it. However, the insurance company often insists on repairs and does not give money. What to do in this situation and is it worth agreeing to repairs? Find out the answer from this article.

When can you expect compensation and when not?

This issue is still being resolved at the stage of registration of the CASCO insurance contract. The client and the insurance company in the process of preparing the contract decide for themselves how the client will receive compensation in the event of an insured event. Standard wording implies payment of money as the main scenario and repairs as an alternative. Moreover, this alternative can be very convenient and profitable, especially with a vehicle.

remember, that it is the contract that defines insurance rules, and only in it can the conditions for receiving compensation be spelled out. At the same time, its conditions can be changed only in one case - if both the client and the insurance company agree to make changes. So if monetary compensation is not prescribed in your contract, then you cannot receive it in the standard manner.

Why do insurance companies insist on car repairs?

Most clients of insurance organizations after accidents are faced with the fact that they actively impose repairs instead of paying money. Moreover, this is possible even when the repair is not even mentioned in the contract itself. A natural question may well arise - why is this happening?

In fact, the answer is very simple - the insurer wants to save on payments. And with the help of auto repair at his own expense, he can do it as quickly and easily as possible. This is due to the following factors:

• When repairing CASCO independent expertise is not always required. Rather, the insurer can convince the client that she is not needed. In this case, when repairing under CASCO, mechanics can not eliminate all the damage caused by the accident;
• When repairing under CASCO insurance, insurers (or rather mechanics cooperating with him) order and install spare parts themselves. This can lead to the fact that the actual price of the parts will be lower than that indicated in the documents;
• When repairing CASCO at insurance has more leeway for insurance fraud. In this regard, if you decide to repair, you should carefully check receipts, receipts and the condition of your car before and after the repair.

How to get compensation in cash for CASCO?

Before claiming monetary compensation, read your agreement carefully. If it states that in the event of an insured event you are entitled to a payment, then you have the right to receive it without any problems. If, in addition to payments, the contract also contains other types of compensation, then you yourself can refuse the money.

In order to receive money, you first need establish the exact amount of compensation. You can learn it. You can carry it out either independently from an independent expert, or with the help of employees of an insurance organization. Which way to choose is up to you: checking with an independent expert costs money, and when checking with an insurance company, you can only rely on its honesty.

After you are given a sheet with a detailed calculation of the amount required for repairs, you will need to transfer it to the insurance company. With its help, you will be able to receive compensation for CASCO. Please note that although repairs are not provided for in some contracts, they can still be offered as an alternative.

It should be remembered that insurance Company has no right to insist on repairs if there are some alternatives in the contract. Refusal to pay compensation in connection with a repair request may become a reason for filing a claim in court. Remember that the main document that all parties must comply with is the contract, and it is in it that all the conditions are indicated.

How to get compensation if it is not mentioned in the contract?

Even if compensation under the CASCO policy is not provided for by the contract itself, you can expect to receive money... The easiest way to get money is claim them for insured events in which repair is not required (eg, ). Usually such situations are discussed in advance, and receiving payments on them does not cause problems.

The second way is much more problematic. You can get money instead of repairs under the CASCO policy if the repair did not eliminate the problems, was performed poorly or not in full. To establish such problems, you will need to re-examine the vehicle after it has visited the insurer's service station. If you are unhappy with the repair, then submit a request for compensation, accompanied by an expert opinion.

Step-by-step instructions on how to get money from the insurance company if the CASCO policy contains a direction for repairs.

1. Submit the damaged car to the insurance company. Not necessarily, you can immediately call for an independent examination.

2. Submit the damaged car for an independent examination. The expert makes a calculation of the cost of the repair.

2. Repair the car.

3. Provide an independent expert (or an insurance company) for an inspection of the repaired car, so that he would draw up an inspection report and record that the car has been repaired.

4. You collect money from the insurance company according to the calculation of an independent examination. If there are documents for the repairs performed, then work orders from the service can be used as a justification for the costs incurred.

We are ready to help you not only in collecting from the insurance company, but we can also pay for the repair instead of the insurance company.

Previously, there was no such provision in the law and the victim could demand payment in money and the chance to get money without going to court was great.

For all contracts concluded after January 21, 2014, cash payments can only be received through the courts.

This means that under all CASCO agreements concluded after January 21, 2014, the repair of damaged property can be legally provided as an insurance payment, but on one condition.

The law clearly states: "may provide for the replacement of the insurance payment ... organization ... repair of damaged property." To replace the insurance with something you need to have it. To replace the payment with a referral for repairs, it is necessary to provide for the possibility of payment in the CASCO policy.

If the CASCO policy provides only a referral for repairs, then you can demand payment in money because this is not a replacement, but if payment in money and referral for repairs are provided, then you have the right to choose one of the two.

If a referral for repairs has been received, but for some reason beyond the control of the victim (queue for service, refusal to agree on the scope of repairs, etc.), for reasons the repair has not been completed, then you have the right to demand a cash payment due to violation of the terms of the contract by the insurer.

Warranty vehicles must be repaired only at the workshop of authorized dealers. If the insurance company sends the warranty machine for repairs not to the authorized dealer, then insurance payment you can get money.

The victim has the right to independently repair the damaged property and recover the amount spent as losses from the insurance company.