Statement of an insured event for a civil liability insurance sample. Statement of the insured event. "Renaissance" - a list of documents for receiving payments

On the territory of the Russian Federation, receiving insurance policy OSAGO is a mandatory action for every driver. This is dictated by the rules prescribed in Law No. 40 - FZ, which must be followed in order not to be fined.

However, not every driver knows the procedure for obtaining it, the rules for filling out and submitting an application. Let's take a closer look at this.

Application for insurance under OSAGO

An insurance application is a document required to obtain an MTPL policy. Clause 3, Article 15 of the Federal Law No. 40 About compulsory insurance civil liability of vehicle owners is also regulated by this document, which is necessary for registration of OSAGO.

The application contains the information that insurance firms need to calculate the cost and correctly issue your policy. Without this, you will not be able to get OSAGO on terms favorable to you.

The procedure and documents required for its passage, as well as the procedure for filling it out, are strictly regulated. The state controls their observance, and it will not be possible to do without this process with all the desire.

Information required to fill out an application

Each driver who is going to apply for an OSAGO must prepare the following certificates and documents:

1. Identification. On the territory of the Russian Federation, such a document is a passport.
2. A passport issued for your vehicle is also required for presentation. Also, do not forget about the car registration certificate.
3. Next, you should decide on the type of insurance. If this is a closed insurance - prepare driver's license all people allowed to operate the machine. Holders of open insurance can skip this point.
4. If your car has passed MOT, it means that you need to take a diagnostic card with you. This rule applies to all drivers whose car is more than 3 years old from the date of assembly.

Note! You can familiarize yourself with the form and download a sample form of an application for OSAGO on the website of the insurer.

Sample application form

When filling out the CMTPL application form, pay attention to the presence of the following points:

1. Driver identification data.
2. Availability of vehicle data, including its number.
3. The form must indicate the duration of the insurance.
4. The purpose for which the car will be used must be indicated. This can be both personal use and exploitation for government needs.
5. Check if there is a specified period during which the policy will be valid.
6. All drivers allowed to drive the vehicle and their driving license data must be listed.

These and many other items will be filled in and checked, including with the participation of the insurer. However, it is better to check everything in person. Also pay attention to filling in the coefficients that affect the price of your policy.

By the way, the applicant in the application form has the legal right to indicate the preferred technical stations in case of refurbishment.

Sample completed application

You can see a sample of filling out an MTPL insurance policy on the website of any insurance company. There you can also find a template for filling out a CTP policy.

How and where to fill out an auto insurance application?

This can be done at any insurance company you choose. There is an opportunity to fill. However, not every driver can figure out how to do it right on the first try. If you have any questions about this, check out the order of its implementation:

1. First of all, enter your personal information.
2. Next comes. One year is the standard.
3. Information about your car also needs to be entered.
4. The application will need to indicate the presence or absence of a trailer.
5. If this is not your first policy, indicate the details of the old one.
6. When filling out the application, you will need to indicate the name of the service that you will use in case of an emergency. You can choose it from the list of services offered by the insurance company, or specify your own. If it meets all the requirements, the insurance company will approve it and enter it in the application form.
7. The rest of the sections are filled in by employees of the company. It contains the information necessary to calculate the cost of the policy.

Who needs to apply?

This can be done by handing over the completed document to any insurance company representative of your choice. According to the law, they are obliged to take it into consideration, and they cannot deny you this without a good reason.

The state does not specify any specific time frame for its consideration. However, this is usually done immediately after all the necessary procedures have been completed. If during the registration of the policy you are offered, you can safely refuse them. Forcing the introduction of additional clauses into the contract without the customer's desire is prohibited.

Important! Please review all the information you provided before submitting your application. Make sure everything is filled out correctly and clearly.

Insurance, reinsurance contract → Sample. Life insurance policy

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Under the insurance compensation under OSAGO, we mean a certain amount of money that, under the compulsory transport insurance contract, the insurer is obliged to pay to the injured party upon the occurrence of the risk provided for by law. This sum of money must cover the damage caused to the life, health and property of the injured party.

Important! The law on compulsory motor third party liability insurance restricts. The maximum amount paid for damage to property is 400 thousand rubles, for damage to life and health - 500 thousand rubles, to each victim (?).

Cases when it is required to send an appeal to the insurer

An application for receiving an insurance claim under a motor third party liability contract is always submitted upon the occurrence of an insured event.

In fact, the statement is an official notification to the insurance company that it must make compensation for the damage received by the injured party in the road traffic accident. Read about whether it is possible to receive a payment if the car burned down or was stolen.

The procedure for drawing up an appeal

First, you need to understand that each insurance company uses its own application form to receive compensation under the OSAGO agreement. This form can be obtained either at the territorial office of the insurer, or downloaded from the official website of the insurance company.

At the same time, all application forms have the same filling fields and, in fact, only the design differs. Below is the step-by-step instruction on filling out such an application in general.

What documents do I need to attach?

According to clause 3.10 of the rules for car insurance without fail, the following package of documents must be attached to the application for insurance compensation:

1. The original passport of the driver who was driving the car during the accident.
2. Documents for the insured car: STS or PTS. If the car is in long-term lease or lease, then a copy of the contract confirming this fact.
3. A4 sheet with bank details, to which the compensation should be transferred, certified by the applicant's signature.
4. Certificate of a road traffic accident, if the accident was registered by the traffic police.
5. Notification of a road traffic accident, if the participants in the accident have independently issued it. It must be signed by all participants in the accident.
6. A copy of the decision to initiate proceedings on the fact of an administrative offense.
7. A copy of the refusal to initiate a criminal case by law enforcement officers.

If the application is submitted by power of attorney, then the original of this document is added to the package of documents (how?).

In addition to the above documents, in case of harm to the victim's health, it is required to additionally complete the statement with the following documents:

1. Help from the ambulance team that provided the first medical assistance to the victim on the spot.
2. A certificate from the hospital if the victim independently sought medical help.

Also, if the victim has temporarily lost the ability to work, then he should attach to the set of documents a certificate with the conclusion of the medical commission, as well as a certificate from the place of work on the average income.

The package of documents on the most unpleasant outcome of a traffic accident stands apart: when the victim died. In this case, the set of documents should be supplemented with the following:

1. A copy of the death certificate.
2. Information on the composition of the family of the deceased.
3. Birth certificates of minor children.
4. References from the bodies of social protection of the population.
5. Documents confirming the costs of the burial procedure of the deceased.

From all original documents, the insurer's employee must make copies, independently certify them and return the originals to the applicant.

You can find out more about what documents you need to provide in order to receive insurance payments for OSAGO.

Where should you go?

The question posed in the title of this section of the article does not have a direct answer, since everything depends on the circumstances of the incident.

Only people suffered

Passengers and pedestrians to receive insurance benefits must apply to insurance company the culprit of the traffic accident. More nuances about how the payment of OSAGO to victims is carried out can be found in.

Damaged car

In this variant, two developments are possible:

• if 2 or more cars were involved in a road accident, all participants in the accident have OSAGO insurance and the accident itself occurred as a result of a collision of vehicles, then the victim must submit an application to his insurance company;
• if at least one of the conditions described above is not met, then the victim should contact the insurance company of the perpetrator of the accident.

Human life is associated with risks. An accident can happen suddenly and lead to unpleasant consequences. Human property can suffer up to complete destruction. He himself is at risk. For this reason, it is very important to protect yourself from the spectrum of cases that can pose a danger to life, health and property.

Insurance is a type of protection that is able to protect a person and his belongings from most accidents. If the incident falls under the list of risks, the owner of the policy will be able to count on compensation. Its size can fully cover the damage incurred or only partially compensate for the damage.

Dear Readers! The article talks about typical solutions legal issues but each case is different. If you want to know how solve exactly your problem- contact a consultant:

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Today, there is a wide range of proposals that allow you to protect a person's property and his life and health. The reliability and amount of compensation depends on the package of services that was purchased.

Regardless of the chosen tariff, when an insured event occurs, a person will have to contact the company and report the incident. Any institution will ask the policyholder to complete a claim requesting compensation.

The paper must be composed correctly. The presence of errors can cause rejection, and lost time will lead to the fact that a person will not have time to contact the company in time and will lose the opportunity to count on a refund. For this reason, it is important to figure out in advance how to write a statement, and what rules must be taken into account during the procedure.

Procedure

A sample statement of the occurrence of an insured event will be required after the occurrence of the risk, which was included in the service package. The completed paper is fed to the company that provided the policy. Before starting to figure out what to write in the statement of the insured event, you must contact the representatives of the institution.

The action must be performed immediately after the incident. Depending on what bonuses are included in the purchased policy, the organization can send its representative to the scene of the accident, who will analyze the incident and help draw up documentation for applying for compensation. The specialist also helps in filling out the application.

The paper must indicate:

• the form of the damage received;
• the circumstances that led to the incident;
• the reasons for the event.

The person who bought the policy should not completely surrender to the authority of the insurance company, but it is necessary to control the actions of the institution

In the event of a risk, the insurance provider is obliged to:

• Send your specialist to the scene of the incident, who must inspect and assess the damage, and then draw up an insurance report. All actions are performed in the presence of the person who bought the policy.
• Calculate the amount of damage done.
• Determine if the case falls under the category of insurance, and find out if the owner of the policy can count on compensation.

Often, the insurance company may require you to provide proof of what happened. In this case, she must independently make a request to government agency, who is responsible for a particular area of ​​human activity. Employees of the institution that received the appeal must provide information about the incident and indicate the reasons that led to the occurrence of this event.

How to fill out an insurance claim form correctly

If a person is involved in an accident that belongs to the category of insurance, he must immediately contact the company that provided the policy. A certain amount of time is allotted for the action.

Usually, the interval allocated for circulation does not exceed 30 days... After completing the action, you need to draw up a notification. It will be a statement of the incident.

The application form can vary significantly depending on the company with which the person works. However, the essence of all forms is the same.

In order for the organization to accept the application, it must indicate:

• data of the owner of the policy;
• passport information;
• policy number;
• date when the incident occurred;
• time of the event;
• description of the insured event.

Application forms also differ depending on what insures a person and from what incidents. This is done in order to reflect the most complete information about the event. The features of the form allow you to enter all the data that may have a significant impact on the possibility of obtaining compensation.

You can significantly save time by contacting the company by submitting an application through the official website. To perform the action, you need to find the section "Insured event has occurred" and enter all the data, following the prompts of the system. Most programs work in a question-and-answer format.

This greatly simplifies the procedure for filling out the application and minimizes the likelihood that the information will not be indicated in full. Most companies have an online chat on their website. If a person encounters difficulties in filling out the form, he can contact a consultant.

It should be remembered that the insurance company requires the applicant not only to report the incident, but also to document its occurrence. Scroll necessary papers is contained in the Policy Terms and Conditions.

Documentation can also be submitted over the Internet. To do this, all papers must be scanned and attached to the application. It should be remembered that the possibility of remote access is not provided in all institutions. Its availability must be clarified in advance.

When the documents are submitted, the applicant must continue to monitor the situation using the company's website. Expertise may be required depending on the type of event that has occurred. It is necessary to prepare in advance for what will have to be provided to the insurer required material to complete it.

When the company has checked and recognized the event as insurance, it will be necessary to draw up additional statement to receive payment. It is necessary to indicate the details, using which, the company will be able to transfer money to the owner of the policy.

The paper can be drawn up in advance. If a person decides to take advantage of this opportunity, he must attach an application for receiving payment to the notification of the occurrence of the insured event.

Compromise terms

It is necessary to submit an application to the company strictly set time... However, there may not be enough time to complete the action. For example, the owner of the policy is on a long business trip, and the event happened without his participation. However, this does not affect the timing. It is necessary to submit an application within the period that was previously prescribed in the terms of the contract.

The term may vary significantly depending on the type of insurance and may be from 3 to 30 days... During this period, it is necessary to notify the insurer in any available way. A person who is away during this period can use the means of communication.

Usually, in the event of a delay, insurance owners begin to fear that the insurance company will refuse to provide the payment. However, practice shows that not everything is as bad as it seems at first glance. Not all institutions refuse to provide compensation if the deadline has expired.

If there was a delay, it is necessary to state in writing the reasons for non-compliance with the conditions. Then the company's specialists will analyze the paper with explanations and decide whether to refuse to provide Money or not.

Other factors are also taken into account, the list of which includes:

• the amount of compensation that the policyholder should have received;
• the duration of the delay;
• financial condition of the client.

However, not all companies will begin to delve into the problems of the insured. Institutions of this type will refuse to grant payments without proceeding.

The actions of such firms are designed so that the owner of the policy will feel guilty and will not go to court. The refusal of the company was dictated by the provisions of the regulatory legal acts. However, there is a list of conditions that the institution must fulfill.

The person who purchased the policy is obliged not only to contact the institution in a timely manner, but also to take into account the method of transferring information. If it is proved that the company was notified of the incident in time, or that the time of notification could not affect the obligation to pay compensation, the refusal will be declared illegal and the insurance company will be obliged to compensate for the damage suffered by the person.

Court

If a person did not have time to apply for compensation for damage in time, or the company refuses to recognize the case of disability when protecting health insurance, the person has the right to go to court. The action begins by collecting a package of documentation.

The owner of the policy will need to provide papers confirming the legitimacy of the claims and draw up statement of claim on the recognition of the case as insurance. You can expand the evidence base in advance. To confirm that a person contacted the company to receive a payment, but he was refused, he can record the conversation on a dictaphone.

Although this opportunity is present for all citizens, few use it in practice. For this reason, if a person reports an incident by phone, they should ask the responding employee for their details. This will help to confirm that the owner of the policy timely informed the company about the incident, although he could not personally submit the application.

The provision of photographs of damage to the insured property in court will also help to increase the chance of receiving a payment. The presence of such evidence will increase the weight of the applicant's words.